Michael Cutajar

CPA, ACCA - Founder of Accora

I'm a warranted CPA and ACCA member building Accora - a smarter way to handle accounting for self-employed professionals in Malta. I trained at PwC and spent years inside the traditional accounting model before deciding to build something better.

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

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Work With Me

I provide bookkeeping, VAT, and tax compliance services for self-employed individuals in Malta.

I built my own AI-powered system to handle the repetitive work, which means I can offer a professional service more affordably than most people expect.

All work is reviewed and signed off under my personal CPA warrant.

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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 where self-employed people can get their bookkeeping, VAT, and tax handled without needing to learn accounting. AI does the heavy lifting. I review the work and sign it off. Clients just live their lives and stay compliant.

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