Accountant in Laval, Quebec | Tax, Bookkeeping & Payroll Services

Laval — Greater Montréal's northern shore

Laval is Quebec's third-largest city, located on Île Jésus immediately north of Montréal. The city has substantial residential population serving as a Greater Montréal suburb, plus significant retail at the Carrefour Laval, manufacturing, biopharmaceutical research (the Laval Biotech City cluster), and small business.

Industries we serve heavily in Laval

• Biotech and pharmaceutical.
• Manufacturing.
• Small businesses and trades.
• Real estate investors.

How Quebec's tax structure affects Laval businesses and residents

Quebec is the only Canadian province that administers its own income tax separately from the Canada Revenue Agency. This affects every Laval resident and business: individuals file both a federal T1 General with CRA AND a Quebec TP-1 with Revenu Québec; corporations file both a federal T2 with CRA AND a Quebec CO-17 with Revenu Québec. The two filings are coordinated but require their own separate forms, schedules, and submissions.

Quebec sales tax is the Quebec Sales Tax (QST) at 9.975%, administered by Revenu Québec, combined with the federal 5% GST for a total of 14.975%. QST and GST registration is now generally combined for Laval businesses operating in Quebec, but the QST remains administered by Revenu Québec, not CRA.

For incorporated Laval businesses, Quebec's general corporate income tax rate is 11.5% and the small business rate is 3.2% on the first $500,000 of active business income. Combined with federal rates, Laval CCPCs pay 12.2% on small business income and 26.5% on general business income.

Quebec's distinct social programs for Laval employers and employees

• Quebec Pension Plan (QPP). Laval residents contribute to QPP instead of CPP. Rates and ceilings parallel CPP but are administered by Retraite Québec.
• Quebec Parental Insurance Plan (QPIP). Quebec employers and employees pay QPIP premiums in addition to federal EI for maternity, paternity, and parental benefits.
• Health Services Fund (FSS). Quebec employer payroll tax with rates that vary by total payroll size.
• CNESST. Combines several worker protection programs including the workers' compensation function (formerly CSST), labour standards (formerly CNT), and pay equity (formerly CES).

Quebec-specific tax incentives for Laval clients

Quebec offers some of Canada's most generous provincial tax credits:

• Refundable Tax Credit for R&D Salaries and Wages. Stacking with federal SR&ED at significantly higher effective rates than other provinces.
• Refundable Tax Credit for the Production of Multimedia Titles.
• Refundable Tax Credit for Film Production Services. Major incentive for Quebec film production.
• Tax Credit for the Development of E-Business (TCEB). Substantial credit for qualifying IT and e-business activities.
• Investissement Québec investment tax credits.

Quebec language compliance for Laval businesses

Quebec law requires certain businesses to comply with the Charter of the French Language. Laval businesses with employees may need a francization program if they exceed thresholds. Customer-facing materials, contracts with Quebec consumers, and certain professional services have French-language requirements. We coordinate with Quebec legal counsel where these issues affect tax filings or business structure.

Year-end tax planning specific to Laval

Year-end planning for Quebec businesses requires coordinating federal CRA filings with Quebec Revenu Québec filings: parallel T1 + TP-1 for individuals; parallel T2 + CO-17 for corporations; salary vs dividend modelling that considers both federal AND Quebec marginal rates (Quebec top marginal personal rate near 53.3%); QPP vs CPP contribution differences; FSS exposure management; review of any Quebec R&D, multimedia, film, or e-business credits accumulated during the year; and bilingual French/English compliance for required tax filings and labour standards.

Canadian tax compliance calendar that applies to Laval clients

The Canadian tax compliance calendar is the same regardless of where you live in Canada, but several deadlines are commonly missed or misunderstood by Laval businesses and individuals:

• January 31. T4, T4A, and T5018 information returns due for the prior calendar year. Late filing penalties start at $100 and escalate quickly for larger employers.
• February 28. T5 investment income slips due for the prior calendar year.
• March 1 or March 2. RRSP, FHSA, and similar registered plan contribution deadline for the prior tax year (60 days into the new calendar year).
• March 31. T3 trust return deadline (90 days after the trust's calendar year end).
• April 30. T1 personal tax return deadline for most Canadians. Balance owing is due by this date regardless of whether the filing deadline is extended.
• June 15. T1 deadline for self-employed individuals and their spouses (although any balance owing is still due April 30).
• Six months after corporate year-end. T2 corporate income tax return filing deadline.
• Two or three months after corporate year-end. T2 balance owing payment deadline (three months for CCPCs claiming the small business deduction throughout the year and meeting the taxable income threshold; two months otherwise).
• Quarterly: March 15, June 15, September 15, December 15. Personal tax instalment due dates for taxpayers required to pay instalments.
• Monthly or quarterly. CRA source deduction remittances and GST/HST remittances based on the assigned filing frequency.

What happens when CRA contacts Laval clients

Canadian taxpayers commonly receive several types of CRA contact each year. Knowing what each one means helps Laval businesses and individuals respond appropriately:

• Notice of Assessment (NOA). Issued after CRA processes a return. The NOA states the assessed tax, refund or balance owing, and any adjustments CRA made. Review your NOA carefully against your filed return.
• Notice of Reassessment. Issued when CRA changes a previously assessed return. You have 90 days from the date of a Notice of Reassessment to file a Notice of Objection if you disagree.
• Pre-assessment review letter. A request for documentation about specific items on a return before CRA finalizes the assessment. Strict response deadlines.
• Post-assessment review letter. Same documentation request, but after the NOA has been issued. Strict response deadlines.
• Demand to file. A formal demand that you file a return that CRA believes is overdue. Failure to comply can lead to a Notional Assessment (CRA estimates your tax, almost always at a higher amount than actual).
• Audit notice. The most serious form of CRA contact. Audits can be desk audits (by mail) or field audits (CRA officer reviews books in person or virtually).
• Collections letter. Issued when there is an unpaid balance. CRA collections has significant powers including garnishment and asset seizure.

If you receive any form of CRA contact, contact us immediately. Do not call CRA back yourself and do not send documents without professional review.

How BOMCAS Canada handles CRA representation for Laval clients

With your signed authorization on file (RC59 for businesses or AUT-01 for individuals), BOMCAS Canada can communicate with CRA on your behalf. This means: CRA calls about your file route to us; we can access your CRA My Account or My Business Account information; we respond to review letters, audit requests, and collections matters; we file Notices of Objection within the 90-day deadline if needed; we represent you in CRA audits virtually; and we coordinate with tax counsel for Tax Court of Canada appeals where required.

Common Canadian tax questions Laval clients ask

Why working with BOMCAS Canada makes sense for Laval

Laval businesses and residents work with BOMCAS Canada for several reasons that may matter to you:

• Fixed-fee transparency. Most engagements are quoted as a fixed monthly fee or fixed per-project fee, signed in writing before any work begins. No surprise hourly invoices for routine work.
• One-business-day response standard. We staff to a one-business-day response standard for client emails and calls during normal business hours. No multi-day voicemail backlogs.
• Year-round support. Most clients have unlimited email and phone support included in the engagement, not just during tax season.
• Same accountant year over year. You are not transferred to a new junior every year. The same person who knows your file this year will still know it next year.
• Secure virtual delivery. Encrypted client portal, e-signature, multi-factor authentication, and direct CRA representation under your written authorization. PIPEDA-compliant. No driving to a CPA office.
• Canadian-only tax expertise. We do not do US-only tax, UK tax, or other foreign jurisdictions in isolation. Our cross-border work is always anchored by deep Canadian compliance. Every member of the team works exclusively on Canadian files.
• Industry depth. We have specialized experience across trucking, real estate, medical professionals, contractors, restaurants, e-commerce, farms, nonprofits, and other Canadian industries.

Getting started — what Laval clients can expect

A typical engagement with BOMCAS Canada begins with a phone call or contact form submission. We respond within one business day to schedule a 15–30 minute discovery conversation by phone or video. The discovery call covers your current tax situation, accounting history, prior accountant relationship (if any), pain points, and goals. There is no sales pitch and no obligation. If we are a fit, we provide a written engagement letter with a fixed fee and clear scope. If we are not a fit, we are happy to suggest other Canadian professionals who might be.

Once the engagement letter is signed, you e-sign the CRA authorization (RC59 for businesses or AUT-01 for individuals), and we onboard you to the encrypted client portal. From that point forward, the relationship is structured around predictable monthly deliverables: bookkeeping, sales tax filings, payroll, and year-end financial statements plus T2 corporate tax (for incorporated businesses) — with proactive tax planning conversations throughout the year.

Services available to Laval clients

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Talk to a Canadian accountant serving Laval

Call 780-667-5250 or submit the contact form. We respond within one business day.

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