The Firm Dissolves. The Best Accountants Remain.

I'm building an AI accounting firm for Europe's 28 million self-employed. ACCA qualified. Former PwC. Writing the playbook for what happens when professional services dissolve into code.

The Thesis

Every accountant in the world spends most of their time looking backwards -reconstructing what already happened from receipts, bank feeds, and documents. This is a tragedy of misallocated human intelligence.

I believe accounting should be infrastructure, not a profession you hire. Always on, always correct, invisible. The firm as we know it -offices, junior staff, manual processes -is dissolving into software. What remains is the judgment: advising clients, spotting opportunities, the human decisions that actually matter.

I'm building Accora to prove this thesis. We're an AI accounting firm -not software for accountants, the firm itself. AI handles the reconstruction. Certified local accountants handle the judgment. Freelancers just live their lives and stay compliant.

One country done. Twenty-six to go.

Go Self-Employed

I left my job in corporate accounting, took the leap into self-employment, and built something I believe in. It was the best decision I ever made.

I think more people should do it. Europe has 28 million self-employed people, but there should be more. The tools exist now. The barriers are lower than ever. The only thing most people lack is someone to tell them: you can do this, and here's how to start.

If you're thinking about going out on your own, I'm happy to help - completely free. No catch, no pitch. I just believe the world is better when more people bet on themselves.

Send me a message on LinkedIn

Writing

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Speaking

Michael Cutajar speaking at SiGMA Summit about AI in Decision-Making
SiGMA Summit -AI in Decision-Making
Michael Cutajar presenting at AI for Accounting Conference
AI for Accounting Conference
Accora team at TechXpo Malta
TechXpo Malta -Accora

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"The Firm Dissolves. The Best Accountants Remain."

A book about what happens when AI dissolves professional services into infrastructure. Coming soon.