Reliable Online Accounting
Made Simple and Affordable
Who is
AJAB Solutions?
AJAB Solutions is a professional accounting and bookkeeping firm delivering reliable, remote financial services to SMEs, startups, and established businesses across multiple jurisdictions.
Our strength lies in our team’s combined experience of over 50 years, developed across diverse industries and financial environments. This collective expertise spans bookkeeping, financial controls, operational accounting, payroll support, reporting, and strategic financial oversight—enabling us to support businesses at every stage of growth.
Led by hands-on, seasoned leadership, AJAB Solutions is built on strong governance, precision, and integrity. We focus on creating structured, scalable financial systems that ensure compliance, clarity, and confident decision-making.
Vision
To simplify accounting and financial management for businesses worldwide by delivering expertise-driven, affordable, and compliant remote solutions.
Mission
To help small and medium-sized businesses thrive by providing tailored bookkeeping, accounting, and financial oversight services aligned with international standards and best practices.
Why Choose
AJAB Solutions?
Transparent & Flexible Pricing
Accurate & Standards-Compliant Reporting
Timely Financial Insights
Global Mindset, Local Understanding
Confidential & Secure
Our
Key Services
for your
Financial Success.
Bookkeeping
Our bookkeeping service forms the foundation of everything we do. We deliver accurate, secure, and customisable bookkeeping solutions designed to suit your business size, transaction volume, and reporting needs—without unnecessary complexity or cost.
Fractional CFO
Executive-level financial leadership without the cost or commitment of a full-time CFO.
Our Fractional CFO services provide strategic financial clarity, stronger controls, and forward-looking insights for growing and complex businesses—helping leaders make smarter decisions, improve performance, and scale with confidence.
Our Comprehensive
Financial Support Services.
Financial Controller Support
We act as your trusted financial advisor, aligning financial decisions with your long-term vision—helping you scale smarter, faster, and with confidence.
Budgeting & Forecasting
Forward-looking budgets and forecasts that provide financial clarity, improve cash flow planning, and support confident strategic decisions.
Payroll Management
Accurate and compliant payroll processing that reduces administrative effort while ensuring timely and error-free employee payments.
Inventory Management
Structured inventory tracking and controls that improve stock visibility, reduce inefficiencies, and support profitability.
Small Business Consultancy
Practical financial guidance that helps business owners understand their numbers, strengthen controls, and make informed decisions.
Business Valuation
An objective assessment of business value that supports growth planning, funding discussions, and long-term strategic decisions.
Who
We Support
SME's & Growing Businesses
Startups & Founders
Business Owners
seeking financial clarity
Companies
transitioning to structured financial management
Our
Latest Financial Insights.
Financial Statements
Financial statements are formal records that summarize a business’s financial performance and position over a specific period. The income statement, balance sheet, and cash flow statement collectively provide essential information on profitability, financial stability, and cash management, enabling stakeholders to make informed economic and financial decisions.
Revolutionising Remote Bookkeeping: Inside the Mind of AJAB Solutions’ Founder
AJAB Solutions was founded to deliver affordable, remote bookkeeping and accounting services tailored to small and medium-sized businesses. Led by Chartered Management Accountant AJ “The Man,” the firm combines deep professional experience, integrity, and digital innovation to provide reliable, cost-effective financial solutions for clients in the UAE and globally.
Generally Accepted Accounting Principles (GAAP)
Tax planning involves strategically organizing finances to legally minimize tax liability. Common strategies include contributing to retirement accounts, using tax credits and deductions, investing tax-efficiently, and timing income and expenses wisely. Effective tax planning is personalized and often requires staying informed and seeking professional guidance.
Our
Client's Experience.
Our
Team of Professionals.
Founder & Managing Director
Mohamed Fazal Careem is the Founder and Managing Director of AJAB Solutions, providing strategic leadership and oversight to ensure strong governance, financial integrity, and long-term sustainability for client businesses.
A Chartered Management Accountant with over 35 years of international experience, Fazal brings deep expertise across financial control, accounting operations, reporting frameworks, and strategic financial management. His career spans multiple industries and jurisdictions, where he has led complex financial functions, built robust systems, and supported organisations through growth, transformation, and regulatory environments.
Fazal’s professional journey includes extensive experience in financial planning, operational controls, reporting structures, systems development, and executive-level decision support, enabling businesses to move from reactive accounting to structured, forward-looking financial management.
Driven by a strong belief in integrity, precision, and accountability, Fazal founded AJAB Solutions to offer businesses access to high-calibre financial leadership without the burden of full-time executive costs. His approach focuses on building scalable financial systems, strengthening controls, and translating financial data into meaningful insights that support confident, informed decision-making.
Under his leadership, AJAB Solutions serves as a trusted financial partner to SMEs, startups, and growing enterprises—helping them navigate complexity, maintain compliance, and scale sustainably.
Head of Operations
Shermana Mohamed is a key founding member and Head of Operations at AJAB Solutions, overseeing administration and operational frameworks. She also collaborates across AJ Global Group businesses to ensure processes are efficient, well-governed, and aligned with strategic and client delivery objectives.
With 40 years of experience in Administration and Operations, Shermana has developed expertise across diverse industries including Banking, Finance, Legal, Tourism, Education, Insurance, Telecommunications, IT, Event Management, and Digital Marketing. Her experience spans multinational corporations and established local conglomerates, providing a strong foundation in compliance, governance, and structured operational management.
At AJAB Solutions, Shermana plays a critical role in designing standardized procedures, developing operational documentation, managing remote teams, and supporting the firm’s fully digital service model. She ensures that workflows, internal controls, and timelines meet regulatory requirements while maintaining high standards of accuracy and professionalism for clients.
Known for her practical, solutions-oriented leadership style, Shermana thrives in dynamic environments and is recognised for bringing structure, clarity, and professionalism to growing businesses. She focuses on motivating and empowering her teams, fostering accountability, collaboration, and shared purpose. Her leadership approach reflects a commitment to operational excellence, continuous improvement, and teamwork, supporting AJAB Solutions’ mission to deliver dependable, high-quality accounting and bookkeeping services.
Manager Client Accounting
Holds a Bachelor’s Degree in Business Management – Specializing in Finance from Bangalore University and brings to the table a strong background with an active blend in finance operations and client service relations.
With over 7 years of experience across diverse industries, including telecommunications, finance, and outsourcing, Safaa is a valuable team player who helps uphold our service quality by closely managing the accounting team and maintaining clear client communication to align with AJAB Solutions’ commitment to excellence. With extensive experience in finance operations and client account management, Safaa has developed a strong foundation in end-to-end accounting processes, payroll administration, and financial reporting. Known for her actionable insights to support decision-making and strong communication skills, Safaa is able to balance both internal processes and client management responsibilities with accountability, efficiency, and trust in delivering reliable service.
Her dedication, collaborative spirit, and proactive mindset significantly strengthens our team’s capacity to provide consistent, high-quality accounting and advisory support to our clients.
Assistant Manager Accounting
Sharmila, an Associate Chartered Accountant of ICASL (ACA), and a Certified Corporate Accountant of ICASL (CCA), holding Membership of AAT Sri Lanka (MAAT), brings with her a strong foundation in accounting principles and is a valuable member of our accounting team.
With her extensive experience spanning in both audit and commercial sectors, Sharmila is committed to ensuring accuracy and efficiency in financial reporting, while adhering to regulatory compliance. Her proficiency extends to supporting accounting operations, from accounts payable and receivable to payroll processing, taxation, financial record-keeping, reconciliations, and data analysis.
Known for her meticulous approach and proactive problem-solving skills, she diligently contributes to accounting operations, streamlining processes and effective decision-making. With a dedication to professional growth and a collaborative mindset, Sharmila is poised to make a positive impact as a key member of our client accounting services team.
Accounts Executive
Hamra holds a BSc (Hons) in Accounting and Finance with First Class Honours from Canterbury Christ Church University, complemented by a Diploma in Digital Accounting and AAT Passed Finalist status. Her academic background provides a strong grounding in financial reporting, audit, taxation, and management accounting.
She supports the client accounting team in meeting deadlines and deliverables, ensuring smooth operations through the timely processing of invoices, payments, and financial reports. She brings a strong academic foundation and impressive early career performance, demonstrating proactivity, attention to detail, and a clear commitment to continuous learning.
A motivated and reliable team player, Hamra has quickly developed practical expertise in modern accounting systems and workflows. Her enthusiasm, strong work ethic, and dedication to excellence make her a valuable and promising contributor to the AJAB Solutions team.
FAQs
We know you’ve got questions!
What services does AJAB Solutions provide?
AJAB Solutions offers comprehensive remote bookkeeping and accounting services, including detailed tracking of income and expenses, managing invoices and payments, budget and cash flow planning, preparing management accounts, and handling payroll. Our tailored services are designed to meet the unique needs of start-ups and SMEs alike.
What makes AJAB Solutions different from other bookkeeping services?
Although our expertise is deeply rooted in the UAE offering unparalleled knowledge and specialization in this market, we bring with us extensive global experience in multiple industries. Our vision extends globally, welcoming clients from English speaking regions such as the United Kingdom and North America. Our commitment goes beyond our existing expertise; we are dedicated to adapting and learning the specific regulatory environments of our clients’ home countries.This flexibility, combined with our commitment to affordability, ensures that businesses of all sizes and in all locations can access top-tier bookkeeping and accounting services. Our approach is not just about managing numbers; it’s about fostering growth, ensuring compliance, and building lasting partnerships with our clients worldwide.
Why choose an external remote book-keeper like AJAB Solutions?
Opting for AJAB Solutions means choosing expertise, cost efficiency, and continuity. We eliminate the need for internal staffing and associated overheads, providing expert services around the clock. Our dedication ensures your financial management is smooth and allows you to focus on growing your business.
How can your remote accounting services benefit me against hiring an accountant?
When you outsource your financial and administrative tasks to a remote accounting service, you can enjoy increased efficiency, cost savings, and peace of mind, allowing you to focus on growing your business. By opting for AJ Solutions remote accounting service, you’re not just hiring an accountant; you’re gaining access to a team equipped to handle various financial operations and administrative tasks traditionally managed by a finance department.
Here’s how our remote services can serve you:
Cost Efficiency: Maintaining an in-house finance department can be costly. Our remote accounting services often offer competitive pricing structures, saving you money on salaries, benefits, office space, and equipment.
Expertise: Our remote accounting services typically employ professionals with diverse skill sets and expertise in various areas of finance. Whether it’s bookkeeping, tax preparation, financial analysis, or compliance, we have specialists to handle each aspect efficiently.
Scalability: Your financial needs may fluctuate over time. Our remote services offer scalability, allowing you to adjust the level of support you require without the hassle of hiring or firing employees.
Time Savings: Outsourcing your financial tasks frees up your time and resources, allowing you to focus on core business activities and strategic decision-making rather than getting bogged down in administrative work.
Access to Technology: Our remote accounting services often utilize cutting-edge accounting software and tools. By leveraging these technologies, you can streamline processes, improve accuracy, and gain valuable insights into your financial data.
Compliance and Risk Management: Staying compliant with ever-changing financial regulations can be challenging. Our remote accounting services stay up-to-date with legal requirements, reducing the risk of non-compliance and potential penalties.
Enhanced Security: Our trustworthy remote accounting services prioritizes data security and confidentiality. We implement secure measures to safeguard your financial information from unauthorized access or breaches.
Customized Solutions: Our remote accounting services tailor their offerings to suit your specific needs. Whether you require basic bookkeeping support or comprehensive financial analysis, they can design a solution that aligns with your goals and budget.
What are the qualifications of the AJAB Solutions Team?
AJAB Solutions is led by a Chartered Management Accountant from the UAE, bringing proven proficiency in managing financial accounts. Our team consists of qualified professionals, each experienced in handling comprehensive accounting records. Together, we ensure your financial operations are managed with the highest standards of professionalism and accuracy.
How can I get started with AJAB Solutions?
Getting started is simple – Click the Request for Consultation button on our website. Fill out the form provided, and our team will be in touch to discuss your specific needs and how we can customize our services to support your business’s objectives and goals/success. You can also contact us through our website, by email, or by phone. We will discuss your needs, explain our services, and outline how we can help your business achieve its financial goals. From there, we’ll provide you with a tailored proposal that aligns with your business’s needs and budget.
What is the role of the client in the Book-keeping service?
As our client, your role is straightforward: provide AJAB Solutions with all necessary financial documents, such as invoices, receipts, bills, bank statements, and petty cash statements. We handle the rest, simplifying your financial management process so you can focus on your business operations.
Does my business need to have an accounting software?
With AJAB Solutions, you won’t need any software; we believe in maximizing efficiency without unnecessary costs. We invest in and maintain state-of-the-art accounting software on behalf of our clients, ensuring each business has its own dedicated, secure, database. This approach allows us to offer tailored, flexible solutions without an added expense for our clients.
I already have an accounting system for my business. Are you prepared to use my existing accounting system?
By granting us access to your accounting system, we’re poised to streamline processes and seamlessly integrate with your current setup. However, to guarantee alignment with your financial needs, and compliance, we would require an assessment of your existing system to ascertain our capability to fulfill our scope of work.
How secure is my financial data with AJAB Solutions?
Client data security is paramount at AJAB Solutions. We employ robust cybersecurity measures to protect your information and comply with the latest data protection regulations. Your trust is our top priority, and we’re committed to maintaining the highest standards of confidentiality and security.
What kind of reports will i receive, and how often?
Clients receive detailed reports aligned with International Financial Reporting Standards, including Balance Sheets, Income Statements, Cash Flow Statements, and other required schedules. The frequency of these reports is tailored to your needs, ensuring you have timely insights into your financial status.
What support does AJAB Solutions provide for start-ups and entrepreneurs?
We offer specially tailored packages for start-ups and entrepreneurs, focusing on overcoming budget constraints and the challenge of understanding accounting and financial management. Our consultancy services are designed to educate and guide businesses through their financial journey, ensuring a smooth path to growth.
How does AJAB solutions customise srevices for diverse business needs?
Understanding that each business has unique needs, we offer various solutions ranging from offline workflows to real-time workflows, ensuring affordability, convenience, and compliance. Whether you’re just starting or looking to streamline existing processes, we tailor our services to suit your specific requirements and growth stage.
Can AJAB Solutions help my business with financial planning and analysis?
Beyond traditional bookkeeping, we offer services in budgeting and financial forecasting, variance analysis, and more. Our aim is to not just manage your accounts but to provide insights that help in making informed decisions for your business’s future.
