Michael Cutajar

CPA, ACCA - Founder of Accora

I'm a warranted CPA and ACCA member offering accounting automation and fractional CFO services for businesses in Malta. I trained at PwC and founded Accora to use AI to deliver better accounting at a lower cost.

I'm also writing a book about what happens when AI meets professional services.

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Work With Me

Accounting Automation

Bookkeeping, VAT returns, and tax compliance - handled through AI-powered systems I built myself. You get accurate, up-to-date books without the manual overhead. All work reviewed and signed off under my personal CPA warrant.

Fractional CFO

Financial strategy, cash flow planning, and investor-ready reporting for startups and growing businesses. The financial leadership you need without the full-time hire.

Compliance & Tax

Income tax, provisional tax, VAT, and regulatory filings for self-employed individuals and companies in Malta.

Get in touch

What I'm Thinking About

Every accountant I know spends most of their time looking backwards - reconstructing what already happened from receipts, bank feeds, and documents. I think technology is changing how accounting services are delivered.

The repetitive work - data entry, categorisation, reconciliation - is increasingly something software can handle. What remains is the judgment: advising clients, spotting opportunities, the human decisions that actually matter.

I'm exploring this through Accora, a platform that uses AI to automate the repetitive parts of accounting so I can focus on what clients actually need - accurate books, clear financial insight, and someone who picks up the phone.

Go Self-Employed

I left my job in audit, 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. 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