ACCA FINALIST 10/13
Accountant & Financial Operations Specialist
Clean, accurate, and compliant financial operations for UK, US, and multi-entity businesses with clear reporting, disciplined month-end control, and actionable insights that support confident decision-making.
Top Rated on UpWork
ACCA FINALIST 10/13
Accountant & Financial Operations Specialist
Clean, accurate, and compliant financial operations for UK, US, and multi-entity businesses with clear reporting, disciplined month-end control, and actionable insights that support confident decision-making.
Top Rated on UpWork
ACCA FINALIST 10/13
Accountant & Financial Operations Specialist
Clean, accurate, and compliant financial operations for UK, US, and multi-entity businesses with clear reporting, disciplined month-end control, and actionable insights that support confident decision-making.
Top Rated on UpWork
Join
+
satisfied clients
Join
+
satisfied clients
Join
+
satisfied clients
About Bilal Kareem
About Bilal Kareem
Bilal Kareem is an ACCA Finalist and senior accounting professional with deep experience across UK, US, and
multi-entity finance environments. He specialises in
full-cycle accounting, financial reporting, tax compliance,
cash flow management, and operational finance.
Bilal Kareem is an ACCA Finalist and senior accounting professional with deep experience across UK, US, and multi-entity finance environments. He specialises in full-cycle accounting, financial reporting, tax compliance,
cash flow management, and operational finance.
How I Strengthen Your Accounting Operations
Practical, accurate, and reliable accountancy practice to give you clarity, growth, compliance, and confidence.
Accounting & Compliance
Clean, accurate accounting aligned with UK GAAP. Includes bookkeeping, year-end accounts, reconciliations, and audit-ready files.
Accounting & Compliance
Clean, accurate accounting aligned with UK GAAP. Includes bookkeeping, year-end accounts, reconciliations, and audit-ready files.
Tax Preparation & Reporting
Corporate tax (CT600), personal tax (SA100), VAT (Standard, Flat Rate, MTD), sales tax, and withholding tax submissions.
Tax Preparation & Reporting
Corporate tax (CT600), personal tax (SA100), VAT (Standard, Flat Rate, MTD), sales tax, and withholding tax submissions.
Financial Operations Management
Month-end close, cash flow management, forecasting, budgeting, supplier scheduling, and recurring financial operations for SMEs and multi-entity groups.
Financial Operations Management
Month-end close, cash flow management, forecasting, budgeting, supplier scheduling, and recurring financial operations for SMEs and multi-entity groups.
Analysis & Financial Advisory
Data-backed financial analysis to support confident decisions. Includes margin analysis, performance reviews, cash flow diagnostics, forecasting, and strategic advisory tailored to your business model.
Analysis & Financial Advisory
Data-backed financial analysis to support confident decisions. Includes margin analysis, performance reviews, cash flow diagnostics, forecasting, and strategic advisory tailored to your business model.
Accounting
Bookkeeping
Multi-Entity Finance
Payroll Services
Quick Books
VAT
Xero
Cash Flow
Financial Planning
Month-End Close
Financial Advisory
Let’s Bring Clarity to Your Numbers
Why Businesses Trust Bilal Kareem
My approach blends disciplined accounting, structured analysis, and strategic guidance giving businesses the clarity they need to operate with confidence.
Accurate & Reliable
Your accounts, reconciliations, and filings are handled with precision and full compliance. No shortcuts just disciplined, audit-ready work delivered on time.
Clear Communication
You get consistent updates, clear explanations, and transparent reporting. Complex accounting made simple, without delays or confusion.
Process Optimization
Xero, QuickBooks, Sage, Dext, Clockify I build structured financial systems that reduce errors, speed up month-end, and improve reporting accuracy.
Accurate & Reliable
Your accounts, reconciliations, and filings are handled with precision and full compliance. No shortcuts just disciplined, audit-ready work delivered on time.
Clear Communication
You get consistent updates, clear explanations, and transparent reporting. Complex accounting made simple, without delays or confusion.
Process Optimization
Xero, QuickBooks, Sage, Dext, Clockify I build structured financial systems that reduce errors, speed up month-end, and improve reporting accuracy.
Accurate & Reliable
Your accounts, reconciliations, and filings are handled with precision and full compliance. No shortcuts just disciplined, audit-ready work delivered on time.
Clear Communication
You get consistent updates, clear explanations, and transparent reporting. Complex accounting made simple, without delays or confusion.
Process Optimization
Xero, QuickBooks, Sage, Dext, Clockify I build structured financial systems that reduce errors, speed up month-end, and improve reporting accuracy.
Accurate & Reliable
Your accounts, reconciliations, and filings are handled with precision and full compliance. No shortcuts just disciplined, audit-ready work delivered on time.
Clear Communication
You get consistent updates, clear explanations, and transparent reporting. Complex accounting made simple, without delays or confusion.
Process Optimization
Xero, QuickBooks, Sage, Dext, Clockify I build structured financial systems that reduce errors, speed up month-end, and improve reporting accuracy.
Accurate & Reliable
Your accounts, reconciliations, and filings are handled with precision and full compliance. No shortcuts just disciplined, audit-ready work delivered on time.
Clear Communication
You get consistent updates, clear explanations, and transparent reporting. Complex accounting made simple, without delays or confusion.
Process Optimization
Xero, QuickBooks, Sage, Dext, Clockify I build structured financial systems that reduce errors, speed up month-end, and improve reporting accuracy.
Accurate & Reliable
Your accounts, reconciliations, and filings are handled with precision and full compliance. No shortcuts just disciplined, audit-ready work delivered on time.
Clear Communication
You get consistent updates, clear explanations, and transparent reporting. Complex accounting made simple, without delays or confusion.
Process Optimization
Xero, QuickBooks, Sage, Dext, Clockify I build structured financial systems that reduce errors, speed up month-end, and improve reporting accuracy.
Accurate & Reliable
Your accounts, reconciliations, and filings are handled with precision and full compliance. No shortcuts just disciplined, audit-ready work delivered on time.
Clear Communication
You get consistent updates, clear explanations, and transparent reporting. Complex accounting made simple, without delays or confusion.
Process Optimization
Xero, QuickBooks, Sage, Dext, Clockify I build structured financial systems that reduce errors, speed up month-end, and improve reporting accuracy.
Accurate & Reliable
Your accounts, reconciliations, and filings are handled with precision and full compliance. No shortcuts just disciplined, audit-ready work delivered on time.
Clear Communication
You get consistent updates, clear explanations, and transparent reporting. Complex accounting made simple, without delays or confusion.
Process Optimization
Xero, QuickBooks, Sage, Dext, Clockify I build structured financial systems that reduce errors, speed up month-end, and improve reporting accuracy.
Accurate & Reliable
Your accounts, reconciliations, and filings are handled with precision and full compliance. No shortcuts just disciplined, audit-ready work delivered on time.
Clear Communication
You get consistent updates, clear explanations, and transparent reporting. Complex accounting made simple, without delays or confusion.
Process Optimization
Xero, QuickBooks, Sage, Dext, Clockify I build structured financial systems that reduce errors, speed up month-end, and improve reporting accuracy.
Accurate & Reliable
Your accounts, reconciliations, and filings are handled with precision and full compliance. No shortcuts just disciplined, audit-ready work delivered on time.
Clear Communication
You get consistent updates, clear explanations, and transparent reporting. Complex accounting made simple, without delays or confusion.
Process Optimization
Xero, QuickBooks, Sage, Dext, Clockify I build structured financial systems that reduce errors, speed up month-end, and improve reporting accuracy.
Accurate & Reliable
Your accounts, reconciliations, and filings are handled with precision and full compliance. No shortcuts just disciplined, audit-ready work delivered on time.
Clear Communication
You get consistent updates, clear explanations, and transparent reporting. Complex accounting made simple, without delays or confusion.
Process Optimization
Xero, QuickBooks, Sage, Dext, Clockify I build structured financial systems that reduce errors, speed up month-end, and improve reporting accuracy.
Accurate & Reliable
Your accounts, reconciliations, and filings are handled with precision and full compliance. No shortcuts just disciplined, audit-ready work delivered on time.
Clear Communication
You get consistent updates, clear explanations, and transparent reporting. Complex accounting made simple, without delays or confusion.
Process Optimization
Xero, QuickBooks, Sage, Dext, Clockify I build structured financial systems that reduce errors, speed up month-end, and improve reporting accuracy.
Worked With 1000+ Clients
Diverse Experience
Trusted Accountant
Worked With 1000+ Clients
Diverse Experience
Trusted Accountant
Worked With 1000+ Clients
Diverse Experience
Trusted Accountant
Trusted By Businesses Across the UK & US
From multi-company groups to founders and SMEs across multiple industries. here are some of the clients I’ve supported with accounting, tax, and financial operations.
TS Partners Ltd (UK)
I supported a wide portfolio of UK businesses with VAT submissions, CT600 filings, SA100 tax returns, management accounts, and year-end reporting. Worked directly with partners to improve cash flow, strengthen compliance, and migrate clients to cloud systems like Xero and QuickBooks.
Bluefox Books Ltd
Managed a portfolio of 40+ SME clients, delivering bookkeeping, VAT, year-end accounts, tax preparation, and management reporting. Played a key role in digital transformation projects, migrating legacy data to modern cloud-based workflows.
David Howard Chartered Accountants
Handled bookkeeping, VAT reviews, year-end financial statements, CT600 and SA100 preparation, reconciliations, and digital accounting migrations. Developed strong UK GAAP experience and became a go-to resource for technical review and compliance accuracy.
Cube Accountants
Supported day-to-day bookkeeping, ledger cleanups, VAT submissions, control account reconciliations, and draft financial statements under FRS 102/105. Strengthened process discipline and built a strong foundation in UK practice accounting.
Kodeark Pvt Ltd
Led their year-end accounting process, preparing financial statements, reviewing reconciliations, and supporting their tax compliance filings in alignment with UK GAAP.
UpTicker Ltd
Handled their bookkeeping, organized their financial records, and guided them through tax filings to keep the company compliant and investor-ready.
TS Partners Ltd (UK)
I supported a wide portfolio of UK businesses with VAT submissions, CT600 filings, SA100 tax returns, management accounts, and year-end reporting. Worked directly with partners to improve cash flow, strengthen compliance, and migrate clients to cloud systems like Xero and QuickBooks.
Bluefox Books Ltd
Managed a portfolio of 40+ SME clients, delivering bookkeeping, VAT, year-end accounts, tax preparation, and management reporting. Played a key role in digital transformation projects, migrating legacy data to modern cloud-based workflows.
David Howard Chartered Accountants
Handled bookkeeping, VAT reviews, year-end financial statements, CT600 and SA100 preparation, reconciliations, and digital accounting migrations. Developed strong UK GAAP experience and became a go-to resource for technical review and compliance accuracy.
Cube Accountants
Supported day-to-day bookkeeping, ledger cleanups, VAT submissions, control account reconciliations, and draft financial statements under FRS 102/105. Strengthened process discipline and built a strong foundation in UK practice accounting.
Kodeark Pvt Ltd
Led their year-end accounting process, preparing financial statements, reviewing reconciliations, and supporting their tax compliance filings in alignment with UK GAAP.
1000+
Satisfied Companies
1000+
Satisfied Companies
96%
Client satisfaction rate.
96%
Client satisfaction rate.
6+
Years of experience
6+
Years of experience
Case Studies (available upon request)
From financial cleanups to strategic advisory, here’s how my work creates lastinng value across different industries.
Common Questions
How I help, how we work, and what you can expect.
“My main goal is to turn complex challenges into clear strategies that drive growth.”
Bilal Kareem
“My main goal is to turn complex challenges into clear strategies that drive growth.”
Bilal Kareem
Do I really need a Virtual CFO/Advisor?
If you are generating revenue but still feel unsure about your actual profit margins or cash runway, then yes. Hiring a full-time CFO is expensive. I provide that same high-level financial clarity and strategic oversight on a flexible, fractional basis giving you the insight without the overhead.
What software and tools do you use?
I am platform-agnostic but specialize in modern cloud accounting stacks. Whether you use Xero, QuickBooks Online, or Wave, I can optimize your setup. I also build custom dashboards in Excel or specialized reporting tools so you have a real-time view of your business health.
Do you work with startups or established businesses?
Yes I support both. Whether you’re scaling a startup or refining operations in an established company, our process adapts to your stage of growth.
I’m behind on my books. Can you fix the mess?
Absolutely. "Catch-up and Clean-up" is a core part of what I do. I will audit your existing data, reconcile past months, classify uncategorized transactions, and get you tax-ready. You’ll go from chaos to clarity in the first 30 days.
How does the remote engagement work?
We don't need to be in the same room to be on the same page. I use secure cloud portals for document sharing and communication tools (like Slack or Zoom) for updates. You maintain full control of your bank accounts; I just need "Read-Only" access to pull the data I need to do the work.
Do I really need a Virtual CFO/Advisor?
If you are generating revenue but still feel unsure about your actual profit margins or cash runway, then yes. Hiring a full-time CFO is expensive. I provide that same high-level financial clarity and strategic oversight on a flexible, fractional basis giving you the insight without the overhead.
What software and tools do you use?
Do you work with startups or established businesses?
I’m behind on my books. Can you fix the mess?
How does the remote engagement work?
Do I really need a Virtual CFO/Advisor?
If you are generating revenue but still feel unsure about your actual profit margins or cash runway, then yes. Hiring a full-time CFO is expensive. I provide that same high-level financial clarity and strategic oversight on a flexible, fractional basis giving you the insight without the overhead.
What software and tools do you use?
Do you work with startups or established businesses?
I’m behind on my books. Can you fix the mess?
How does the remote engagement work?