What we deliver
AJB & Associates is a fully fuctional and behind the scene office outsourcing in the full sense: Fractional CFO services, bookkeeping, month end close, tax preparation, payroll, audit working papers and management reporting, executed by Chartered Accountants, CPAs and ACCAs, and reviewed by senior professionals before anything reaches you.
Fractional CFO Advisory
Executive-level financial guidance across financial planning and analysis, cash flow management, budgeting, forecasting, profitability analysis, business performance, risk management, and strategic decision-making, helping businesses strengthen financial control, improve performance, and scale sustainably.
- Financial strategy, annual budgets and rolling forecasts tied to your business plan
- Cash flow forecasting, working capital analysis and liquidity planning
- Board packs, management reporting and KPI dashboards
Finance and Accounting Operations
Outsourced bookkeeping services, month end close, accounts payable and receivable outsourcing, and management reporting.
- Day-to-day bookkeeping and transaction coding
- Bank, credit card and balance sheet reconciliations
- General ledger maintenance and intercompany reconciliations
Financial Due Diligence and M&A
Quality of earnings, net debt and working capital analysis, and financial modelling for buyers, sellers and their advisors.
- Quality of earnings analysis and normalized EBITDA
- Net debt, debt-like items and working capital analysis
- Revenue, margin and customer concentration analysis
Business Valuation
Enterprise and equity valuations, purchase price allocation and impairment testing, built to stand up to auditors.
- Enterprise and equity valuations using income, market and asset approaches
- Discounted cash flow modelling, including WACC build-up and terminal value analysis
- Comparable company and precedent transaction analysis
Tax Preparation and VAT Compliance
Tax preparation outsourcing for CPA firms, individual and business return preparation, and VAT and sales tax compliance.
- Preparation of individual and business income tax returns
- Supporting workpapers, tie-outs and organizer review
- Sales tax and VAT computation, reconciliation and return preparation
Payroll Outsourcing
Managed payroll services for businesses and white label payroll for CPA firms, reconciled to the general ledger every cycle.
- End-to-end payroll processing, calculations and payslips
- Statutory deductions, filings and year-end payroll reporting
- Starters, leavers, bonuses and adjustments
FP&A and Financial Dashboards
Budgeting and forecasting, variance analysis, integrated financial models and automated dashboards in Power BI and Tableau.
- Annual budgets and rolling forecasts, built bottom-up and reconciled to strategy
- Three-statement integrated financial models with scenario and sensitivity logic
- Driver-based forecasting and what-if analysis for pricing, headcount and capacity
Audit and Assurance Support
Working paper preparation, lead schedules and substantive testing for licensed audit firms, on your methodology.
- Audit working paper preparation and documentation
- Substantive testing, vouching and reconciliations to engagement methodology
- Lead schedules and supporting analyses
Technical Accounting
IFRS advisory and US GAAP accounting services: revenue, leases, financial instruments, business combinations and conversions.
- Financial instruments: classification, measurement and impairment under IFRS 9 and ASC 326 (CECL)
- Business combinations and consolidation under IFRS 3 and IFRS 10, ASC 805 and ASC 810
- Revenue recognition under IFRS 15 and ASC 606, including multi-element arrangements and contract modifications
ERPs & Accounting Softwares
The finance workstream of NetSuite, SAP S/4HANA, Quickbooks, XERO & ODOO implementations: chart of accounts, data migration and parallel validation.
- Chart of accounts design, configuration and standardization across entities
- Mapping and crosswalks between legacy and target systems
- Opening balance migration, data cleansing and ledger rollovers
Add capacity without adding headcount
Book a 30-minute scoping call and we will propose a pilot file within the week.