Art Galleries, Artist Studios, & Nonprofits
With Anne's background in blue-chip Chelsea galleries and as an artist herself, Substrata understands creative businesses. We provide specialized bookkeeping and compliance for the arts sector and nonprofits.
The Specialized Pillars
Managing sales tax setup, reporting, and compliance within New York State (inquire for sales tax services in other states).
Payroll setup and ongoing administration for W-2 gallery, nonprofit, or studio staff.
Managing year-end Form 1099 issuance and reporting for independent contractors, freelancers, and art fabricators.
Financial organization and tracking structured around specific exhibitions, grants, or artistic projects.
About

Substrata is a small team led by Anne Percoco, providing specialized bookkeeping, payroll, and compliance management for small businesses. Based in Jersey City, New Jersey, we serve clients remotely with dedicated expertise in the arts and medical/therapy practices.
Anne began her bookkeeping career in 2009. She spent years working for local firms, managing accounts across a diverse range of industries before launching her own freelance practice in 2014. That practice has since grown into the Substrata team.
Beyond keeping your records accurate and secure, we act as a consulting partner to help you interpret your numbers and make informed business decisions. Anne remains directly available to our clients for all advisory support.
Client Stories
Finding someone who genuinely understands the financial intricacies of running an artist cooperative gallery is rare, but we found exactly that. For years, Anne and her staff have seamlessly managed our books, payroll, sales tax filings, and member dues, providing peace of mind through ups and downs. Anne also provides us with crucial strategic support: from building us a custom cash flow forecasting tool to helping with our annual budget. Even through internal leadership changes, she has been our constant, reliable financial anchor. We couldn't manage without her!
I can honestly say I wouldn't know where Arts Gowanus would be without Anne Percoco! When I stepped into my role as ED, knowing the financial operations were fully handled by someone who understands an arts nonprofit was a huge relief for me, and Anne's knowledge and organized approach to bookkeeping is a huge asset. As Arts Gowanus continues to grow it is a huge relief to know that our bookkeeping is off my plate. The best part about working with Anne is the peace of mind I get from having her on top of the financial comings and goings.
As working visual artists, my husband and I were juggling multiple inconsistent self-employment income streams, including art sales, construction work, Airbnb rental income, and arts administration work with no real bookkeeping system in place. Like many creatives, we pushed bookkeeping aside until tax season, which eventually caught up with us after an IRS audit made it clear we needed professional support. Anne completely transformed the way we manage our finances. She helped us build a clear system for tracking income and expenses across our many revenue streams, giving us the ability to quickly understand where we stand financially at any point in the year. The peace of mind this provides is invaluable. We've worked with Anne for nearly 15 years, and I can't imagine navigating self-employment without her. She has always adapted her services to fit our changing needs and budget, and it's clear that she genuinely cares about helping creative, self-employed clients succeed.
Account reconciliations, income/expense categorization, asset/liability tracking, and compiling and storing essential financial documentation.
Setting up and troubleshooting payroll systems, employee onboarding and offboarding, and ongoing payroll administration.
Manual setup and compliance for low-frequency corporate officer payroll, including retirement contributions.
Budgeting, setting up internal systems for cash flow forecasting, project and KPI tracking, and helping you understand your financial reports.
Contact
If you would like to discuss bookkeeping, payroll, or financial consulting for your gallery, studio, or organization, fill out the form to schedule an introductory call.