January 27, 2023
Switching Service Providers: X Reasons for the Shift
The consistently growing Singaporean landscape is a playground for investors and a paradise for start-ups or established businesses looking into more ways than one to expand their market. This is because of Singapore’s competitive business environment, where one can generate more profit with the right strategy.
Starting a business in Singapore means having world-class infrastructure at arm’s reach. Not only that but also easy taxation policy, corruption-free government, high literacy rate, favourable geographical location, and good weather conditions all in one place.
However, behind all the goods are certain challenges a business may face while building a foundation in the business hub. Although these challenges are sometimes difficult to overcome, corporate service providers are fully equipped to help entrepreneurs make a mark through their businesses. Working hand in hand with a reliable business solutions provider will remove some of the burdens of managing a business.
While, most of the time, the significance of hiring a corporate service provider is always talked about, the possibilities brought by shifting from one provider to another have yet to be tackled. This article will highlight the reasons why some companies are switching services providers. Stay tuned and continue reading below.
Why Businesses Are Switching Service Providers
The benefits of partnering with corporate firms to businesses are non-debatable. They assist growth, promote compliance, and provide a competitive advantage to any company in Singapore. With all these advantages, it indeed becomes questionable when a specific enterprise has to make a leap of faith in changing a corporate firm partner. Here are some of the possible reasons for the big shift.
Price and Value Are Unmatched
Customers always want value for their money.
As a pro-business place, it is without a doubt that corporate firms are going above and beyond to make their way into Singapore. The more business solutions providers, the more options there are for businesses. Even if a company is already working with a service provider, the possibility of changing their minds until they reach the satisfaction is close to reality. When companies see potential corporate firms to work with, switching service providers becomes the first step because they think about their partner and their takeaway from working with them.
Moreover, the chances of businesses switching service providers are increased if they find similar services at a lower and more reasonable price. As soon as everything goes down to this phase, companies look at the new service provider as cost-effective and, if not equal, a better alternative.
Poor or Lacking Customer Service
Excellent customer service goes a long way in providing paths for new customers to engage in corporate services. It can also mean the difference between loyal clients and fair-weather ones. Besides pleasing customers, effective customer service creates a personal relationship with them. This encourages customers to return for business solutions they deem necessary for their businesses.
Preventing customers from switching service providers means setting up a chain of processes that scores as many resources as possible. Side by side with that is to employ the right group of people to decide what goes to customers without waiting for the green light.
Customers Suffer Brand Fatigue
While brand fatigue is more evident in the retail industry, business solutions can also fall victim to this phenomenon. It is not made up; overexposure can harm a service. When there is a surplus of new services competing for market share from many service providers, customers become tired of the brand. They will always find another one to have it replaced. What it means to corporate firms is to not rest on their laurels. They may be enjoying a significant market today, which can change overnight.
Not Understanding Customers Enough
Suppose a service provider does not know why customers avail of their services. In that case, they won’t also see the reason for switching service providers. Customers will always reach out to another corporate firm if their needs are not satisfied. The good thing is that this can be prevented in a couple of ways, and willingness to engage with customers directly is all it takes. Try these barometers of customer sentiment: conduct online and in-house surveys, listen and interact on social media, and always engage with customers.
Switching service providers is a real threat to corporate firms. After all, every company only wants the best for their business. It has to be done, if that means hiring another business solutions’ provider.
Call ContactOne Today for Reliable Business Solutions Services
Get the latest corporate services from ContactOne and bring your business to a different level of success. Visit our website at https://www.contactone.com.sg/ to learn more about us and what we do. You may also call us on +65 6333 0633 or +65 8666 3633.
If you need company incorporation, business formation, corporate secretarial, compliance management, accounting and taxation, payroll management, and corporate administrative services for startups and small to medium enterprises, don’t hesitate to reach out to us.
December 14, 2022
Debunking Common Myths About Corporate Secretarial Services in Singapore
Nothing could stop Singapore from being the best country to start a business in Southeast Asia. Because of that, the country has witnessed an influx of foreign investors getting ahead of each other in benefiting from the business hub’s economic strength. For a good reason, it is also easier to incorporate a business with enticing corporate tax laws.
However, the long list of requirements to fulfil does not end after the business has been incorporated. The truth is, it is just the start of an entirely different set of obligations to carry out. And believe it or not, the appointment of a corporate secretary or secretarial services Singapore is an essential requirement that gets less attention. The Accounting and Corporate Regulatory Authority (ACRA) mandates Singapore-incorporated companies to appoint a corporate secretary within the first six months of official incorporation.
The Role of a Corporate Secretary in Company Incorporation in Singapore
Before we get into an in-depth discussion about the common myths surrounding corporate secretaries in Singapore, let us take a step back and know more about the roles of secretarial service in company incorporation.
Under the Companies Act, the company registration process would not be fulfilled without hiring a certified company secretary. According to the law, a newly incorporated company in Singapore should hire a qualified secretary within six months from the date of incorporation. Otherwise, legal proceedings and penalties will be charged.
A corporate secretary’s job revolves around fiduciary functions of an organisation. To be accepted as a corporate secretary in Singapore, an individual must be a resident in the city-state, a natural citizen, or permanent resident (PR).
4 Misconceptions of Corporate Secretaries in Singapore
ACRA’s stringent requirements for the appointment of a corporate secretary may come off as strange for foreign business owners. Some of them may ask the same question: What is so special about a corporate secretary that its appointment must be mandated by law? To better under this, this article will debunk the common misconceptions of secretarial services Singapore. Continue reading below!
Myth 1: A Corporate Secretary’s Job Is Only as Good as of a Personal Assistant
Many assume that a corporate secretary only carries out administrative roles unless they understand the job better. And, believe it or not, some people see a secretary as a personal assistant with an office in the company business location.
Even if a corporate secretary’s duties involve coordinating and planning company meetings, sending notices, and taking minutes, it goes beyond these. As a corporate officer, a secretary bridges the gap between the company and ACRA by acting as a compliance officer.
Understanding corporate laws and different company policies is part of a corporate secretary’s statutory duties. They also advise executives about their responsibilities under the law. With all these responsibilities, anyone can say a secretary is more than just a PA.
Myth 2: Anyone Can Replace a Corporate Secretary’s Role
Replacing a corporate secretary’s role requires much more than just performing administrative duties. It also includes a basic understanding of accounting and more. Corporate secretaries in Singapore must fully understand corporate laws. They are required to have academic and professional qualifications to match. Being a corporate secretary is not for everyone. It takes the right skill set and knowledge to ace the job.
Myth 3: Corporate Secretaries Are Only Needed to Start a Company
The third myth is easy to understand how it has come this far. Every Singapore-starting company must hire a corporate secretary to fulfil its incorporation. However, having a secretary at every company’s helm goes beyond ACRA’s requirements. A corporate secretary plays a vital role in overseeing schedules and keeping the company on the right side of corporate laws, which are ever-changing.
That said, corporate secretaries and secretarial services in Singapore are crucial parts of a company, whether during incorporation or not.
Myth 4: Every Singapore-Incorporated Company Needs a Full-Time Secretary
It is indisputable that corporate secretaries are essential to business continuity. However, not all companies can afford to include them in the payroll unless they are large companies with enough resources. For a small business, it is practical to outsource secretarial services in Singapore instead of keeping an in-house officer. Outsourcing can still retain the function of a corporate secretary.
Know More Corporate Solutions from ContactOne
A company secretary does not have to hold a law degree to be an efficient officer. But they have to be tech-savvy and must be knowledgeable of the latest software that eases their job responsibilities. Companies can hire externally, but if they opt to outsource secretarial services in Singapore, ContactOne covers them.
At ContactOne we have an array of corporate solutions, including secretarial services. Our professional team will work hand in hand with you to achieve your goals in managing and growing businesses. Get in touch with us today and learn your options. Call us on +65 6333 0633 or +65 8666 3633, or visit our website at www.contactone.com.sg.
November 17, 2022
Benefits of GST Registration Services
Singapore is a business-friendly territory that motivates many investors to venture into the country. Along with that are the laws implemented by the government to regulate the business hub. Tax is the most common subject when the Singaporean business landscape is brought as a subject in a conversation.
Discussing Singapore’s tax scheme is only fair because business owners have many things to learn. The Goods and Services Tax (GST) is one of the most common taxes imposed on supplies of goods and services in Singapore. But what is it, and can it benefit all businesses?
Continue reading below and learn more about GST and GST registration services in this article.
All About the Goods and Services Tax (GST) in Singapore
All Singapore-based businesses know about the Goods and Services Tax (GST). In other countries, it is almost equivalent to Value-Added Tax, but with a few differences in features. GST’s nature can be defined as a wide-ranging consumption tax imposed on imported goods collected by Singapore Customs. More than that, there is GST levied on all other goods and services in the country.
On the other hand, according to the Inland Revenue Authority of Singapore (IRAS), some exemptions apply to the following: most financial services, supply of digital payment tokens, sale, and lease of residential properties, and importation and local supply of investment precious metal.
A GST-registered company in Singapore is mandated to collect GST from customers of goods and services rendered. This collection will be paid to the tax authorities to support public spending that benefits Singaporean. The expenditure includes healthcare, education, and security. Currently, GST is expressed as a 7% per cent tax charged on the consumers’ end.
What’s In It for You: Registering for GST in Singapore
Boost Brand Name
The Singaporean business hub is a saturated and competitive market where everyone goes above and beyond to acquire the positions of market leaders. A GST-registered company in Singapore has the impression of an established company. It entitles the right to rally alongside other market giants.
Enable Tailor-Made Business Policies
Registering to GST means making a pool of financial information accessible. With this information, the government can develop new policies to improve the existing ones. It will be beneficial to the growth of many businesses in Singapore.
Lessen Income Tax Rates
The favourable corporate and personal income tax scheme makes Singapore so appealing to most people, especially investors. When the government can keep track of the collected corporate income taxes, it can moderately maintain the personal income tax rates.
Encourage Savings and Investment
People are only taxed when they avail of consumer goods and services in Singapore. Because of this, individual tax rates are kept in check, encouraging citizens to save and invest. Since people are taxed every time, they purchase goods and services, it only makes sense to exempt their savings and investments from taxation.
Reduce Business Costs
Singapore’s tax regime not only benefits overseas investors like it has been lauded in the world, but the government’s cost of administration and collection also benefits from it. GST registration reduces business costs by handing down a portion of the responsibility to the consumer.
GST Registration of Singaporean Businesses
Some considerations need to be looked at more closely regarding GST registration in Singapore. While there is compulsory registration, there is also voluntary registration and exemption. Understanding the conditions governing GST registration in Singapore is crucial to be guided on your next moves.
Compulsory Registration
There are two bases when a company is compulsory to register for GST. First is a retrospective basis, in which the business turnover in the past 12 months is more than S$1 million. The second is prospective basis, in which the business is currently making sales and expecting to exceed S$1 million for the next 12 months. It includes various signed agreements or contracts and expected revenue.
Businesses with revenue exceeding S$1 million should apply GST to IRAS within a 30-day notice. Otherwise, penalties will be charged to non-compliant enterprises. To ensure proper declaration of turnover, anti-avoidance provisions are in place.
Voluntary Registration
Some businesses are not liable to compulsorily register. In this case, they may voluntarily register for GST, depending on their business operations. Qualified businesses are those with plans to make sales or have started making sales of taxable supplies in Singapore.
For additional conditions to voluntarily register for GST, do your research. Or turn to a reliable provider of GST registration services to be guided accordingly.
Exemption for Registration
Businesses that only make zero-rated supplies can apply for exemption even if they exceed the taxable turnover limit of the registration. It excludes a business from GST registration’s administrative requirement and subsequent quarterly filing. IRAS will assess and approve the exemption with the condition that 90% of the total taxable supplies are zero-rated. Input tax and output tax are also considered.
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For more corporate business solutions, like GST registration services, reach out to ContactOne. You may call us on +65 6333 0633 or +65 8666 3633. Our website is also full of exciting things to explore. Visit now!
November 17, 2022
All You Need to Know About Registered Filing Agents in Singapore
A business owner in Singapore must comply with certain legal obligations set out by the government to obtain orderliness from starting to growing a company. It includes submitting necessary documents to the Accounting and Corporate Regulatory Authority (ACRA) and more. Otherwise, penalties may be charged against the evading business.
The last thing you want for your business is to be penalised for non-compliance, which is preventable at the beginning. Avoid missing statutory filing dates, and ensure compliance with all regulatory obligations by engaging in a registered filing agent in Singapore. They are experts that conduct transactions on behalf of your business in Singapore
Managing a business is a handful of things. Before you even know it, you could be behind deadlines for legal filings. Don’t compromise; tap an expert like a registered filing agent. They will make your life easier and allow you to focus on growing your business. Continue reading below for more!
What Is a Filing Agent?
In Singapore, a registered filing agent is an individual or service provider that takes care of any transaction with ACRA on behalf of the customer engaging in the registered filing agent’s services. It includes the following:
- File or lodge any document, or submit, produce, deliver, provide, or send any document required by ACRA
- Make any application, submission, or request to ACRA
- Provide any legal undertaking or declaration to ACRA
- Extract, retrieve, or access any document, record, or information maintained by ACRA
Qualifications of a Filing Agent
Before engaging with a filing agent, it is crucial to assess their legitimacy. The agent must be a registered individual, or if the filing agent is a business entity, at least one registered individual must act as a qualified individual. Besides that, here are the criteria a filing agent should satisfy:
Filing Agent Is Any of the Following
- An advocate or solicitor (i.e., lawyer) of the Supreme Court of Singapore
- A registered public accountant under the Accountants Act
- A member of the Institute of Singapore Chartered Accountants
- A member of Singapore’s Association of Internal Accountants
- A member of Singapore’s Institute of Company Accountants
- A member of Singapore’s Chartered Secretaries Institute
- A corporate secretarial agent
A Filing Agent Is Fit and Proper According to the Following Considerations
- Has satisfactory previous conduct and compliance history as a registered qualified individual or registered filing individual
- Has a reputable record of whether the agent has committed or was involved in someone else’s professional misconduct, breach of fiduciary duty, or severe negligence
- Has the capacity and capability to fulfil the obligations of a registered filing agent under the terms and conditions of registration
- Should not have a registration contrary to the public interest or that individual’s expected standards to hold will be compromised
When to Hire a Registered Filing Agent in Singapore?
Although an appointed company officer, such as a director or secretary, may carry on various statutory obligations, a registered filing agent’s services may also assist the company with the obligation.
One of the primary duties of the filing agent is to file the documents on ACRA’s online portal, BizFile+, on behalf of the company in light of the legal requirements. With a registered filing agent, you can ensure that your business complies with the obligations on time. A filing agent can also help avoid incurring late lodgement fees or penalties.
Because of the many obligations businesses in Singapore have to abide by, being on top of them can be challenging. For example, companies are mandated to hold an Annual General Meeting (AGM) and subsequently file an Annual Return (an electronic form lodged with ACRA containing crucial specifications of the company). It includes the names of the directors and secretaries and the date when the company’s financial statements are created.
All this information takes time to handle. But with a filing agent at the forefront, you are a step ahead of statutory compliance filings and deadlines.
Qualified Registered Filing Agents
If you are looking for a registered filing agent to work with, examining their qualifications thoroughly is a must. The first thing that you should keep an eye out for is an agent’s registration with ACRA. It may be an individual or partnership registered under the Business Names Registration Act.
A business entity incorporated under the Companies Act, a limited liability partnership under the Limited Liability Partnership Act, and a limited partnership under the Limited Partnership Act is also qualified.
Besides the criteria mentioned above, a registered filing agent must have accomplished a mandatory training program comprised of an Anti-Money Laundering/Counter Financing for Terrorism (AML/CFT) course and an AML/CFT Proficiency Test.
In case the filing agent is a business entity rather than an individual, the individual directly or indirectly involved in the management should have completed the same mandatory training program.
However, it should take at least two years if the registered filing agent has previously cancelled registration due to a breach of a prescribed requirement. After that, an individual can reapply as a qualified registered filing agent.
Reach Out to ContactOne to Learn More About Registered Filing Agents
Learn more about registered filing agents with ContactOne. You may call us on +65 6333 0633 or +65 8666 3633. Our website is also full of corporate solutions and tips to discover. Visit now!
November 7, 2022
Everything You Need to Know About Deductible and Non-Deductible Expenses
A complete report of business expenses is expected when filing for corporate income tax in Singapore, as the Inland Revenue Authority of Singapore mandated. This covers resident and non-resident enterprises and requires them to declare all they have spent managing and growing their businesses. The declaration should include payments for advertising, renovation, wages, and CPF contributions, to name a few. But it is not something that you should be worried about. Do you want to know why? The IRAS does not allow deductions on all you have spent on your businesses. You are obliged to separate corporate costs into deductible expenses and non-deductible expenses. If you want to learn everything related to business expenses, specifically deductibles and non-deductibles, continue reading this article.
Check out more details regarding deductible and non-deductible expenses in Singapore below. The information is sourced from IRAS, meaning this content is reliable and created with business owners in mind.
What Does Tax Deductibility of Expenses Mean?
Before we delve deeper into the criteria of deductible and non-deductible expenses, let us take time to understand when taxes are charged on business expenses. To clear the air, tax-deductible or deductible expenses are business costs that IRAS allow for deductions from earned income, thus reducing a Singaporean company’s taxable income. In other words, the tax-deductible expenses would lower taxes to be paid.
Meanwhile, non-deductible expenses are not part of an enterprise’s income tax bill. To be more exact, non-deductible expenses are to be added back to your taxable income if you have accounted for them in your financial statements. The IRAS disallows the deduction of these business expenses and you will not be able to enjoy deductions from your taxable income.
For example: If your company’s annual income is S$100,000.00 and it declares business expenses with an amount equivalent to S$20,000.00 (with S$15,000 deductible expenses and S$5,000.00 non-deductible expenses), then the taxable corporate income will be S$85,000.00. To achieve this, you must subtract the S$15,000.00 deductible expenses from S$100,000.00 of your annual income.
Understanding Deductible Business Expenses
Now that you have a good grasp on the overview of what expenses are charged taxes on by IRAS, it is the right time to dig a bit deeper into what qualifies as deductible expenses. In case you are hesitating about what you declare your company’s deductible expenses, here is the cardinal rule. According to IRAS’s published policy on business expenses, deductible expenses encompass costs that entirely and exclusively incur from all the company’s income-generating activities.
Note the accompanying conditions of deductions for business expenses from the list as follows:
- Singapore’s Income Tax Act should not prohibit the deduction of the deductible business expenses
- The expenses must be generated from the revenue and not business capital
- No contingent liability of expenses, which means they should be incurred without the need to peg them on situations that may or may not happen in the near future
- All expenses must be incurred purely for the sole purpose of generating business income
Understanding Non-Deductible Business Expenses
On the other hand, non-deductible business expenses are the direct opposite of deductible expenses. In short, the costs to be categorised as non-deductible should be incurred outside income generation. What exactly does it mean? Capital expenses like the funds spent on fixing assets, company incorporation, and personal expenses incurred by employees, including entertainment and travel costs, are considered non-deductible expenses.
Deductible Expenses For Business
- Accounting fees
- Administrative expenses
- Advertisement costs
- Auditors’ remuneration
- Ad-hoc contributions to employees’ Medisave accounts
- Bank charges
- Cash spend in topping-up of Employees’ CPF Minimum Sums
- Costs for periodicals and newspapers
- Digital taxes imposed through turnover taxes (not income taxes)
- Directors’ fees
- Employee Equity-Based Remuneration (EEBR) Scheme payments
- Employee’s income tax paid by the employer
- Employment Assistance Payment (EAP)
- Exchange loss (trade and revenue in nature)
- Insurance costs for underwriting bad trade debts
- Interest expenses
- Interest incurred on late payment of fees to a Management Corporation for a Strata Title Plan (MCST)
- Interest incurred on loans intended for re-financing previous loans or borrowings
- Intellectual property (IP) licensing expenditure
- Legal and professional fees incurred in trade and revenue transactions
- Medical expenses
- Motor vehicle expenses – including upkeep, maintenance, plus running and financing costs of goods / commercial vehicles
- Office upkeep expenses
- Payments for Insurance premiums
- Statutory CPF contributions
- Voluntary cash contributions to self-employed persons’ Medisave Account
Non-Deductible Expenses For Business
- Acquiring fixed assets
- Amortisation
- Bad debts (non-trade debtors)
- Bills before the commencement of business
- Certificate of Entitlement (COE) for motor vehicles
- Digital taxes imposed as income taxes
- Dividend payments made on preference shares
- Donations
- Exchange loss (non-trade or capital in nature)
- Fines
- Goodwill payments
- Impairment loss on non-trade debts
- Interest incurred on late CPF contributions
- Interest expenses on non-income-producing assets
- Legal and professional fees for non-trade or capital transactions
- Motor vehicle expenses for S-plated and RU-plated cars
- Voluntary contributions to CPF
- Singapore’s income tax and any tax on income in a country outside of Singapore
- The installation of fixed assets
These are only a few of the costs under deductible and non-deductible business expenses. Should you wish to find the complete list, visit IRAS official website.
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For reliable corporate solutions in Singapore, turn to ContactOne. Our services have been designed to suit our customer base’s needs. Whether starting or growing a business, we have proper solutions for that. Call us on +65 6333 0633 today!
October 14, 2022
SME Accounting Services, Creating Significant Change to Your Enterprise
Business owners encounter many challenges in getting on top of their businesses—from outdated bank reconciliation and transactions to unbalanced accounts. You name it! Even though executives go above and beyond to avoid these scenarios, they occur more often than expected. The impacts of these uninvited guests include actual trading activity not reflecting on management reports, increasing risks of fraud, strained relationships between businesses, time-consuming workaround, and more!
The best solution is to hire the right workforce to work on your business, especially managing finances. If your business is a small- or medium-sized enterprise, SME accounting is an option worth considering. Either hiring an in-house accounting or outsourcing accounting services will work in your favour as long as you go through the extensive process of finding ideal partners to help grow your business.
Benefits of Good Accounting for SME in the Singaporean Business Landscape
Excellent accounting and bookkeeping are only the beginning. Your company can establish the foundation for accounting’s ultimate benefits when your accountant keeps accurate records. Suppose you want to reap what you sow. In that case, onboarding a competent corporate solutions provider or accountant is one thing you can utilise to make these things happen. Check out what you could take advantage of when working with qualified SME accounting services:
- Make informed decisions
- Manage your working capital
- Forecast accurately with built-in seasonal fluctuations
- Create budgets that are not just a wish list
- Compare current results with prior periods
- Perform strategic analysis with complete data
- Identify capital requirements for expansion with bank support justification
- Vastly improve the selling price of your business
Growing your business starts with essential record-keeping done by an experienced accountant. Although you have to spend for the services’ expenses, the value made in the long run will pay for the cost many times over. Singapore is a saturated market with competent businesses. If you want to achieve breakthroughs, make it a habit only to hire individuals who can work on the same phase as you. More than that, take time to undergo an extensive onboarding process and set out qualifications in the best interest of your enterprise.
Here are a few things to remember when hiring an accountant or accounting services.
What to Look for From Accountants/Accounting Services
Many references have covered what makes a good accountant. However, you should prioritise your business requirements when hiring an accountant or SME accounting services. Begin with determining your needs first and try to work your way around them. Having a full understanding of the essentials of your company will get you far in managing your enterprise. Continue reading below to learn more about the things to look out for when choosing accountants/accounting services:
Previous Experience
Commercial experience is a good start when hiring an accountant or a service provider of accounting services. A long list of previous experience in handling commercial businesses ensures that your company is in the right hands. It can be challenging to hire an individual or firm with little to no business experience. The result is that they will learn as they progress in their work, and this can cause delays and is time-consuming. Get the best results by partnering with established individuals or firms.
Accounting Skills
Hire an accountant or accounting service provider with the right skills to get things done. They should know how to perform a complete and thorough review of your systems, people, as well as processes. Besides that, a corporate accountant should be knowledgeable about documenting your company’s processes so that other employees can follow them. Another vital skill is creating checklists and timetables to guide the business in doing things.
While accountants have many duties and responsibilities, they should pay more attention to one of the essential parts of the job. An accountant should know how to pay your company’s dues. When this is not properly addressed, the possibility of more serious problems is high. Don’t wait for this to happen by meticulously choosing who manages your business’s finances.
Knowledge of the Law
Some businesses in Singapore hire an accountant or accounting services to ensure they comply with ACRA and the laws and regulations set out by regulating bodies. That is why it is important to hire someone knowledgeable about the country’s ever-changing business laws. If an enterprise fails to submit all the requirements in the given period, penalties will be on the way. This is the last thing you want to happen to your firm. Get a reliable accountant or provider of accounting services to keep your business afloat.
Partner with ContactOne Today for Reliable SME Accounting Services in Singapore
Turn to ContactOne today and discover an array of corporate solutions that work. Our services are tailored to client’s needs, ensuring effective and straightforward problem-solving. Call us on +65 6333 0633 or +65 8666 3633. You may also visit our website to get to know us better!