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liabilities keeps your Balance Sheet accurate and helps you plan repayments and cash flow. It also makes it easier to see how debt and equity contribute to your business’s growth.",[],{"_key":1041,"_type":578,"children":1042,"markDefs":1047,"style":596},"8c7e928085ea",[1043],{"_key":1044,"_type":582,"marks":1045,"text":1046},"9379757a7017",[593],"Good to know",[],{"_key":1049,"_type":578,"children":1050,"level":9,"listItem":624,"markDefs":1063,"style":586},"8b4ecae7b7b8",[1051,1055,1059],{"_key":1052,"_type":582,"marks":1053,"text":1054},"65e60df49df1",[],"You can view all liabilities under ",{"_key":1056,"_type":582,"marks":1057,"text":1058},"d2fed7f86cec",[593],"Filter → Journal → Liabilities",{"_key":1060,"_type":582,"marks":1061,"text":1062},"ffe733503852",[]," in your General Ledger.",[],{"_key":1065,"_type":578,"children":1066,"level":9,"listItem":624,"markDefs":1071,"style":586},"e20e9f70f67d",[1067],{"_key":1068,"_type":582,"marks":1069,"text":1070},"f6b8f13a9dcb",[],"You can’t delete liability accounts that already have entries, but you can archive them.",[],{"_key":1073,"_type":578,"children":1074,"level":9,"listItem":624,"markDefs":1093,"style":586},"e3c3b1a60e3d",[1075,1079,1082,1085,1089],{"_key":1076,"_type":582,"marks":1077,"text":1078},"f63c67c8923c",[],"stub automatically creates key liability accounts like ",{"_key":1080,"_type":582,"marks":1081,"text":838},"d88cb8beea8c",[593],{"_key":1083,"_type":582,"marks":1084,"text":858},"2257e1589620",[],{"_key":1086,"_type":582,"marks":1087,"text":1088},"43ab449d3e64",[593],"Income Tax",{"_key":1090,"_type":582,"marks":1091,"text":1092},"34686c8eac93",[]," for you.",[],true,"\u003Cp>Liabilities are what your business owes to others. These include things like loans, VAT, and supplier balances. Recording them correctly keeps your Balance Sheet accurate and shows how your business is financed through debt or credit.\u003C\u002Fp>\u003Ch2 id=\"what-are-liabilities\">\u003Cstrong>What are liabilities\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cp>Liabilities are accounts that track what your business owes and to whom.\u003C\u002Fp>\u003Cp>They can be:\u003C\u002Fp>\u003Cul>\u003Cli>\u003Cstrong>Current liabilities\u003C\u002Fstrong>: due within a year, like VAT or supplier payments\u003C\u002Fli>\u003Cli>\u003Cstrong>Long-term liabilities\u003C\u002Fstrong>: due over a period longer than a year, like shareholder or bank loans\u003C\u002Fli>\u003C\u002Ful>\u003Cp>Every time you record a transaction that affects a liability, stub updates the right accounts in your General Ledger automatically.\u003C\u002Fp>\u003Ch2 id=\"how-to-add-a-loan\">\u003Cstrong>How to add a loan\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cp>You can create loan accounts in your \u003Cem>Loans\u003C\u002Fem> settings.\u003C\u002Fp>\u003Col>\u003Cli>Go to \u003Cstrong>Settings → Loans.\u003C\u002Fstrong>\u003C\u002Fli>\u003Cli>Click \u003Cstrong>+ Loan.\u003C\u002Fstrong>\u003C\u002Fli>\u003Cli>Add the name of the loan, such as “Absa loan”.\u003C\u002Fli>\u003Cli>Add a reference or account number if you want to.\u003C\u002Fli>\u003Cli>Click \u003Cstrong>Save.\u003C\u002Fstrong>\u003C\u002Fli>\u003C\u002Fol>\u003Cp>Your new loan will now appear in your \u003Cstrong>Liabilities\u003C\u002Fstrong> list and will be available to use in the \u003Cstrong>General Ledger\u003C\u002Fstrong>.\u003C\u002Fp>\u003Ch2 id=\"how-to-record-a-liability-manually\">\u003Cstrong>How to record a liability manually\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cp>You can add or adjust liability entries directly in your \u003Cstrong>General Ledger\u003C\u002Fstrong>.\u003C\u002Fp>\u003Col>\u003Cli>Go to \u003Cstrong>General Ledger.\u003C\u002Fstrong>\u003C\u002Fli>\u003Cli>Click \u003Cstrong>+ Entry.\u003C\u002Fstrong>\u003C\u002Fli>\u003Cli>Add a short description, such as \u003Cstrong>Loan opening balance\u003C\u002Fstrong> or \u003Cstrong>VAT adjustment\u003C\u002Fstrong>.\u003C\u002Fli>\u003Cli>Under \u003Cstrong>Account\u003C\u002Fstrong>, select your liability (for example, \u003Cstrong>ABSA loan\u003C\u002Fstrong> or \u003Cstrong>VAT\u003C\u002Fstrong>).\u003C\u002Fli>\u003Cli>Enter the \u003Cstrong>Debit\u003C\u002Fstrong> and \u003Cstrong>Credit\u003C\u002Fstrong> amounts.\u003C\u002Fli>\u003Cli>Click \u003Cstrong>Save.\u003C\u002Fstrong>\u003C\u002Fli>\u003C\u002Fol>\u003Cp>Your new entry will show up under Filter → Journal → Liabilities in your General Ledger.\u003C\u002Fp>\u003Cp>\u003Cstrong>Example: loan opening balance\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp>Let’s say you start your year with an outstanding ABSA Loan of R70,000 that was used to buy a company vehicle.\u003C\u002Fp>\u003Cul>\u003Cli>\u003Cstrong>Debit:\u003C\u002Fstrong> \u003Cstrong>Motor Vehicles (Asset)\u003C\u002Fstrong> R70,000\u003C\u002Fli>\u003Cli>\u003Cstrong>Credit:\u003C\u002Fstrong> \u003Cstrong>ABSA Loan (Liability)\u003C\u002Fstrong> R70,000\u003C\u002Fli>\u003C\u002Ful>\u003Cp>This increases your assets and liabilities equally, showing that the vehicle was financed through debt rather than owner funds.\u003C\u002Fp>\u003Cp>stub records this automatically in your General Ledger and updates your Balance Sheet.\u003C\u002Fp>\u003Ch2 id=\"common-liability-accounts-in-stub\">\u003Cstrong>Common liability accounts in stub\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cul>\u003Cli>\u003Cstrong>Accounts Payable:\u003C\u002Fstrong> money owed to suppliers\u003C\u002Fli>\u003Cli>\u003Cstrong>Shareholder Loans:\u003C\u002Fstrong> money lent by an owner or to the company\u003C\u002Fli>\u003Cli>\u003Cstrong>VAT (Standard, Exempt, or Zero-rated):\u003C\u002Fstrong> VAT due to SARS\u003C\u002Fli>\u003Cli>\u003Cstrong>Income Tax:\u003C\u002Fstrong> tax owed to SARS\u003C\u002Fli>\u003Cli>\u003Cstrong>Dividends:\u003C\u002Fstrong> profits owed to shareholders\u003C\u002Fli>\u003C\u002Ful>\u003Ch2 id=\"why-it-matters\">\u003Cstrong>Why it matters\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cp>Tracking your loans and liabilities keeps your Balance Sheet accurate and helps you plan repayments and cash flow. It also makes it easier to see how debt and equity contribute to your business’s growth.\u003C\u002Fp>\u003Ch2 id=\"good-to-know\">\u003Cstrong>Good to know\u003C\u002Fstrong>\u003C\u002Fh2>\u003Cul>\u003Cli>You can view all liabilities under \u003Cstrong>Filter → Journal → Liabilities\u003C\u002Fstrong> in your General Ledger.\u003C\u002Fli>\u003Cli>You can’t delete liability accounts that already have entries, but you can archive them.\u003C\u002Fli>\u003Cli>stub automatically creates key liability accounts like \u003Cstrong>VAT\u003C\u002Fstrong> and \u003Cstrong>Income Tax\u003C\u002Fstrong> for you.\u003C\u002Fli>\u003C\u002Ful>",[1097,1099,1101,1103,1105,1107],{"id":1098,"text":594,"style":596},"what-are-liabilities",{"id":1100,"text":652,"style":596},"how-to-add-a-loan",{"id":1102,"text":752,"style":596},"how-to-record-a-liability-manually",{"id":1104,"text":962,"style":596},"common-liability-accounts-in-stub",{"id":1106,"text":1030,"style":596},"why-it-matters",{"id":1108,"text":1046,"style":596},"good-to-know"]