Galaxy Payroll review

Primary HK and Singapore EOR pages offer employment without client incorporation. Issuer F3 identifies direct employment in Hong Kong, Taiwan and Macau and in-country partner employment in mainland China, Japan, Australia, Thailand, Malaysia, Vietnam, India, Indonesia, Philippines and Bangladesh. Singapore marketing is not proof of a wholly owned local employer. End-user selects candidate, group/partner employs and seconds the worker back. Named local employer, role eligibility and onboarding dependencies need a country quote.

Immigration qualification

Singapore page advertises guaranteed work-visa/MOM compliance. This is an unverified provider promise, not an immigration approval guarantee. MOM November2023 answer confirms employee entitlements under a contract of service; it does not establish foreign-worker eligibility for a client without a Singapore entity. Obtain the lawful sponsorship route and individual eligibility in writing.

FY2025 issuer filing describes negotiated percentage-of-total-remuneration fees with a minimum monthly charge, sometimes a fixed fee. It may require a deposit of one month salary per newly hired employee; invoices payable on receipt to30days depending agreement. Salary, bonus, commission, insurance, social security and housing funds form remuneration. No numerical percentage, all-in quote or FX spread established. Interim note7 separates refundable employment-security deposits from payroll advances; note5 concerns deposits paid to partners, not customer refund timing.

Issuer filing describes employment payroll, tax/social filings and group/partner remittance. Interim notes identify customer payroll/retirement funds awaiting payment. Website markets timely accurate payroll, but no country cutoff, actual approval/reconciliation example, error correction SLA or late-payment liability schedule inspected.

Annual filing describes regular management contact by email, telephone and meetings with channel customers/end-users; selected website testimonials praise responsiveness and help with changing rules. No binding urgent incident escalation, language/availability coverage or resolution time found. Channel delivery may add a separate client relationship.

Customer evidence limits

Annual filing reports top-five customer concentration66.7%FY2025 and no material customer/end-user complaints in FY2023–25. The latter is an issuer statement, not an independent incident rate. Three provider-selected named testimonials retained; China payroll praise is adjacent to EOR. No attributable Trustpilot/G2/Capterra customer sample found. GLXG investor/stock posts are not service customer reviews.

Website describes HRIS/payroll technology and administration. Annual filing discloses reliance on its own/third-party data centres, cloud and processing systems and existence of continuity/recovery plans, while warning plans may fail. No tested employer/employee workflow, API specification, named integration, export sample, uptime record or RTO/RPO commitment inspected.

HK/Singapore EOR marketing includes benefits administration, statutory contributions and local employment support. Annual filing includes bonus, insurance and social/housing funds within remuneration. No insurer/rate schedule, nonstandard leave handling or expense reimbursement timetable inspected.

Annual filing describes direct-client service agreements and channel confirmations by letter/email; employing entity is group or in-country partner. Public website terms are site-use terms rather than an operative EOR MSA. No complete client indemnity/liability cap, authority to instruct counsel/partners or employee-to-client IP assignment established.

Annual filing describes initial one-year or indefinite terms, automatic or mutually agreed renewal depending agreement and material-breach cure periods of15working days to90days. Employee termination may use one-month notice/pay in lieu, mutual agreement or local law. Issuer says its deposit covers termination costs; this does not guarantee every client has no further liability. Reserve-release timing, EOR transfer fees and accrued-rights continuity remain unestablished.

The SEC copy corroborates the annual report already read via OTCMarkets. Guangdong Prouden’s24October2025 opinion covers financial statements and expressly excludes an opinion on internal-control effectiveness. Item15 separately reports financial-reporting and logical/privileged-access control weaknesses. An unqualified accounts opinion does not establish effective controls or prove a customer data breach. Existing later interim results and commercial findings remain applicable to their stated periods.

Security

Annual security policy classifies personal information as restricted, describes authorised access, disposal/backups and cloud encryption when feasible. Privacy policy describes cross-border group/service-party sharing and necessary retention; website consent is not a complete employee DPA or named subprocessor list. FY2025 Item15 discloses IT general-control design weaknesses in logical/privileged access and cybersecurity. No proof of a customer data breach, independent security attestation or contractual client notification deadline established.

The SEC copy corroborates the annual report already read via OTCMarkets. Guangdong Prouden’s24October2025 opinion covers financial statements and expressly excludes an opinion on internal-control effectiveness. Item15 separately reports financial-reporting and logical/privileged-access control weaknesses. An unqualified accounts opinion does not establish effective controls or prove a customer data breach. Existing later interim results and commercial findings remain applicable to their stated periods.

Resilience

Issuer F3 identifies BVI parent incorporated26August2021 and operating companies including HK2013, Macau2016 and Taiwan/Shenzhen2018. FY2025 filing discloses financial-reporting/IT control weaknesses and proposed formal control frameworks; remediation not established. May2026 interim filing reports six-month revenueHKD14,032,113 and net lossHKD1,147,010 for period ended31December2025; cashHKD33,195,112, up fromHKD32,188,711. A reported loss alone does not establish insolvency. These are historical issuer figures, not a current liquidity guarantee.