Headquartered in London, Moracle is a chartered accountancy and tax advisory firm offering a wide range of professional services, from audit and assurance, taxation and outsourcing to business advisory and corporate finance.
Founded in 2008, Moracle was born from a conviction that accountancy could be more than compliance and number-crunching. Our founder, Morlai Kargbo FCCA, brought together 11 years of experience at a leading London firm—including service as Audit Manager—with a passion for transformational thinking, creating what we call ‘Mindset Accountancy’.
We operate entirely remotely, bringing together a team of chartered certified accountants and finance professionals who share a commitment to excellence and a belief in continuous growth. Our daily mindset warm-up sessions aren’t just team building—they’re the foundation of how we approach every client relationship.
Whilst based in the UK, our impact extends across borders. Through Moracle Foundation and Global Impact Foundation, we work with aspiring professionals across African markets—including Sierra Leone, Nigeria, Ghana, and Kenya—delivering skills development that creates opportunity at home.
Our clients range from ambitious start-ups to established SMEs, from local charities to international not-for-profits. What unites them is a commitment to growth and a readiness to think differently about what’s possible.
We operate entirely remotely, bringing together a team of chartered certified accountants and finance professionals who share a commitment to excellence and a belief in continuous growth. Our daily mindset warm-up sessions aren’t just team building—they’re the foundation of how we approach every client relationship.
Our approach has been recognised at the highest levels. Morlai Kargbo, FCCA received the ACCA UK Outstanding Contribution Award in 2019, and formerly chaired the ACCA North London Members Network. We're proud partners of leading technology platforms including QuickBooks, Xero, Sage, Spotlight Reporting, Digita Thomson Reuters, and Myworkpapers.
Moracle Limited is an ACCA- regulated accountancy practice, giving you the confidence of working with professionals held to the highest global standards.
We operate with integrity, objectivity, and professional independence, ensuring our advice is always honest, unbiased, and in your best interest.
Our work is subject to independent oversight and regular quality reviews by ACCA, ensuring consistent, high-quality service across all engagements.
We treat your financial information with strict confidentiality, supported by robust systems and professional safeguards.
As a regulated firm, we maintain professional indemnity insurance, providing you with added financial protection and peace of mind.
We follow rigorous UK anti-money laundering (AML) requirements, protecting both your business and the integrity of the financial system.
Every interaction matters. We listen, we respect, and we create environments where clients and colleagues feel supported, understood, and empowered.
Integrity isn’t optional. Transparency, honesty, and professionalism guide every decision especially when no one is watching.
Good is never enough. We challenge ourselves to think better, work smarter and deliver work that sets a higher benchmark for the industry.
Collaboration beats competition. We share knowledge, celebrate progress and build genuine partnerships that help everyone move forward.
Innovation comes from willingness to learn, adapt and question the old way of doing things. We embrace change and use it to create better solutions.
Our work is more than numbers. We support organisations that change lives, and we’re committed to making a meaningful difference in every community we touch.
These aren’t abstract ideals. They shape real decisions every day. When a client faces a complex problem, it means we don’t just give them the answer—we work alongside them to understand their world and find solutions that actually fit. When a colleague is struggling, it means we notice, we listen, and we help. When we get something wrong, it means we own it, learn from it, and move forward better. We invest in development because we know our people are our strongest asset. We create space for learning, we encourage questions, and we celebrate both success and the lessons that come from trying something new.
We are a firm that elevates organisations by empowering exceptional people—our clients and our team—with clarity, expertise and the confidence to make better decisions. We commit to delivering accounting and advisory support that is grounded in high standards, strengthened by innovation, and always centred on real human impact.
At Moracle, culture isn’t something we talk about once a year. It’s woven into how we show up every single day.
We believe that exceptional work comes from exceptional people who feel seen, heard, and genuinely supported. So we’ve built a culture around five daily standards that guide everything we do. They’re not rules on a wall. They’re a living framework that shapes how we think, collaborate, and improve.
Setting goals aligned to Moracle's vision and purpose
Clarity matters. We set goals that align with Moracle's purpose and our clients' needs. We know what we're aiming for and why, and we take deliberate action to get there.
Leaving everyone with the impression of an increase.
Every interaction counts. We listen more than we speak, we challenge ideas not people, and we leave everyone feeling valued and understood—whether that's a client, a colleague, or a member of the community we serve
Our internal self-image sets the boundary for our business.
Good enough isn't our target. We challenge our own thinking, we stay curious about who we're becoming, and we invest in our own growth so we can better serve others.
Leaving everyone with the impression of increase.
Every interaction counts. We listen more than we speak, we challenge ideas not people, and we leave everyone feeling valued and understood—whether that's a client, a colleague, or a member of the community we serve
Creating freedom beyond fear and procrastination.
We don't shy away from difficulty. We see challenges as invitations to grow, we push past fear and procrastination, and we celebrate the progress we make—individually and as a team.
Role/Position
CEO, Moracle Africa| Virtual CFO | Digital Transformation Advocate.
Head of Non-finance Operations
Business Development Manager
Practice Executive
Consultant
Accounting Associate
Deputy Practice Executive
Accounting Associate
Accounting consultant & AAT- Certified Professional
Running a business comes with important decisions — and you don’t have to navigate them alone.
Whether you’re preparing for what’s ahead, responding to change, or refining your financial strategy, Moracle offers the insight and structure you need to move forward securely.
Leave your details and we’ll be in touch to discuss how we can support your business journey.
Managing Director and CEO
Morlai Kargbo is the founder and Managing Director of Moracle Limited, a chartered certified accountancy and audit firm established in 2008. As a Fellow of the Association of Chartered Certified Accountants (FCCA) and Registered Auditor, Morlai brings extensive expertise in serving both corporate and charitable sectors across the UK and internationally.
Expertise & Specialisation
Morlai specialises in the private and not-for-profit sectors, working with charities, churches, Community Interest Companies (CICs), and other charitable organisations. His services include statutory and internal audit, accountancy, business consultancy, and advisory on financial systems, processes, and controls. He provides expert guidance on SORP implementation, best practice development, and governance matters, ensuring board members are fully briefed on their roles and responsibilities through bespoke training programmes.
Recognition & Impact
In 2019, Morlai received the prestigious ACCA UK Outstanding Contribution Award in recognition of his exceptional work within his local community and dedication to the profession. As former Chair of the ACCA North London Network, he has been instrumental in developing professional programmes and mentoring the next generation of accountants.
Foundation Work
Morlai is co-founder and Chair of Moracle Foundation, which has supported over 70 young people from disadvantaged backgrounds through accountancy training and career development. He also co-founded Africa Transformation Centres Foundation (ATCF), which delivers transformative mindset training programmes for 18-25 year-olds across Africa, empowering young entrepreneurs to overcome barriers and achieve their potential.
As an ACCA Practical Experience Supervisor and sought-after speaker, Morlai regularly presents at universities and professional conferences on charity accounting, governance, and the importance of mindset in professional success.
CEO, Moracle Africa| Virtual CFO | Digital Transformation Advocate.
A fellow member of ACCA, and seasoned finance professional with nearly two decades of experience across Ghana and the United Kingdom. I am champion of digital transformation in finance, currently a consultant with Moracle UK, providing Independent Examination and audit support to charities and non-charitable organizations.
Miriam and Morlai co-founded Moracle in Africa in Ghana delivering virtual CFO services supporting small and medium-sized enterprises, startups, and NGOs using smart, tech-driven accounting solutions and online banking.
This service is digital, online, and paperless.
I have demonstrated consistent success in establishing, restructuring, and strengthening finance functions, ensuring that businesses operate with transparency, accountability, and strategic control.
As member of Women in Digital business WIDB a group of women entrepreneurs, I provide training on how to use digital tools for book keeping and management information systems.
I am currently enrolled in the No Code AI Machine Learning NCAIML, Programme by MIT professional education a no-code data science programme designed to equip professionals with the skills to apply AI and Machine Learning in developing innovative business solutions.
Head of Non-finance Operations
Linda plays a pivotal role in the smooth operation of Moracle Limited as Head of Non-Finance Operations. She provides high-level executive support to the Managing Director, delivers essential IT assistance, and ensures effective coordination between the accounting team and clients—making her an integral part of the company’s day-to-day success.
With a strong background in IT, Linda navigates the digital landscape with ease, consistently driving efficiency, productivity, and operational excellence across the organization. Her commitment to her role is strengthened by the inspiration she draws from Morlai Kargbo, the Managing Director, whose dedication to excellence and service motivates Linda to perform at her best each day.
Deeply aligned with Moracle Limited’s mission, Linda is dedicated to creating meaningful impact by supporting both staff and clients, actively contributing to the company’s ongoing transformation and sustainable growth.
Quote
“I am the master of my fate, the captain of my soul because I have the power to control my thoughts.”
Business Development Manager
Setareh Shirazi-Zand plays a key role in driving Moracle Limited’s growth and strengthening its relationships across the accounting and charity sectors. As Business Development Manager, she leads the firm’s strategic outreach, partnerships, and client engagement activities—ensuring organisations understand how Moracle’s expertise can support their financial governance, compliance, and long-term sustainability.
With a strong commitment to service, Setareh focuses on connecting clients with the right solutions across the Moracle Accountancy Formula, from management information systems to statutory reporting. She works closely with internal teams to align Moracle’s services with the evolving needs of charities, SMEs, and mission-driven organisations, helping them gain clarity, confidence, and control over their finances.
Known for her professionalism, reliability, and people-centred approach, Setareh is passionate about creating meaningful collaborations that drive impact. She is also deeply involved in strengthening Moracle’s brand presence, leading initiatives that highlight the firm’s values, thought leadership, and commitment to empowering clients through accurate, timely, and value-adding financial support.
Practice Executive
Ritika plays a key role in delivering high-quality accounting, audit, and taxation services at Moracle Limited. As a Practice Executive, she brings over two years of professional experience, including prior exposure at a Big Four firm, where she worked with international clients and gained valuable insight into global accounting and audit practices.
An ACCA Affiliate and MBA in Finance, Ritika combines strong technical expertise with a strategic, big-picture approach. Her experience includes Financial Reporting, Budgeting and Forecasting, Cash Flow Management, and the preparation and Review of Management and Statutory accounts, as well as involvement in Audits, Independent Examinations, and Tax Compliance.
Ritika works closely with internal teams and clients, supporting engagement delivery, guiding team members, and maintaining strong client relationships. Known for her professionalism and client-focused mindset, she is committed to delivering accurate, timely, and value-adding financial solutions that support Moracle Limited’s continued growth.
Quote
“Believing in yourself, staying true to your dreams, and working hard for them is what turns ambition into achievement.”
Consultant
Robert Ssebaggala is an ACCA-qualified accounting and auditing professional and a Consultant with Moracle. Adheres to the highest international standards of ethics, professionalism, and technical competence.
He supports organisations to strengthen financial governance, enhance internal controls, and achieve compliance with regulatory and reporting requirements. Robert works closely with businesses, charities, and growing organisations, helping them build transparent, reliable financial systems that support informed decision-making and long-term sustainability.
Within Moracle, Robert contributes to the delivery of high-quality advisory and assurance services, combining technical rigour with a practical understanding of clients’ operational and strategic challenges. His calm, analytical approach and strong attention to detail enable him to translate complex financial information into clear, actionable insights for stakeholders.
Robert is also deeply committed to mentoring and inspiring young accountants, encouraging them to pursue professional qualifications, uphold ethical standards, and view accounting as a career of impact, leadership, and service. He believes that strong accountants play a critical role in building trust within organisations and across society.
Clients who work with Moracle benefit from Robert’s professionalism, integrity, and dedication to excellence.
Quote
“Accounting is not just about numbers; it is about trust, clarity, and enabling sustainable growth.”
Deputy Practice Executive
Sukesh is a Deputy Practice Executive with 2 years of experience in finance, audit, and taxation, and an ACCA Affiliate. He supports the delivery of compliant and high-quality financial services, with expertise in financial reporting, budgeting, cash flow management, and the use of accounting and audit software including QuickBooks, Xero, Sage, and Digita.
He has worked with a diverse client base, preparing management and statutory accounts, handling corporation tax and self-assessment filings, and supporting audits and independent examinations. Sukesh has a particular interest in audit, where he focuses on accuracy, transparency, and strong financial governance.
Quote
“Strong governance begins with transparent financial reporting.”
Accounting Associate
Jessica Roberta Kallay is a Finance Trainee at Moracle Limited, where she supports day-to-day finance work across a wide range of clients. Her role includes handling postings and reconciliations, assisting with accounts and payroll, and communicating with clients about their business finances in a clear and professional way.
She works with organisations from different sectors, including charities, CICs, and limited companies, which has helped her build a broad understanding of how different businesses operate and what they need financially.
Jessica is known for being detail-focused, organised, and reliable. She takes pride in getting things right, supporting her team, and continuing to learn as she grows in her finance career.
Quote
“Getting the details right today creates clarity and confidence for tomorrow.”
Accounting consultant & AAT- Certified Professional
Quote
“Never give up!”
Consultant
A fellow member of ACCA, and seasoned finance professional with nearly two decades of experience across Ghana and the United Kingdom. I am champion of digital transformation in finance, currently a consultant with Moracle UK, providing Independent Examination and audit support to charities and non-charitable organizations.
Miriam and Morlai co-founded Moracle in Africa in Ghana delivering virtual CFO services supporting small and medium-sized enterprises, startups, and NGOs using smart, tech-driven accounting solutions and online banking.
This service is digital, online, and paperless.
I have demonstrated consistent success in establishing, restructuring, and strengthening finance functions, ensuring that businesses operate with transparency, accountability, and strategic control.
As member of Women in Digital business WIDB a group of women entrepreneurs, I provide training on how to use digital tools for book keeping and management information systems.
I am currently enrolled in the No Code AI Machine Learning NCAIML, Programme by MIT professional education a no-code data science programme designed to equip professionals with the skills to apply AI and Machine Learning in developing innovative business solutions.
Finalist ACCA Africa CFO ACFO awards MSME category .
Quote
“Never give up!”
Accounting Associate
Noah Dumbuya is a highly skilled and dedicated accounting professional with extensive expertise in data capture, analysis and reconciliation. He involves in the preparation of payroll, VAT, budgeting and financial procedure manuals, he plays a pivotal role in ensuring accuracy, compliance and efficiency within the firm. His understanding in accounting principles and systems has enable him to seamlessly integrate and optimize accounting software such as QuickBooks, Xero, Sage, Digita and Spotlight Reporting enhancing operational workflows and client satisfaction.
In addition to my technical expertise, I am a passionate mentor and leader. I take a pivotal role in guiding and managing ACCA advantage students, helping them master the Moracle Accountancy formula and achieve certifications in accounting software, including Spotlight Reporting, QuickBooks and Xero. My commitment to fostering personal growth and development in others has made me an invaluable resources for both colleagues and students alike.
I consistently prioritize building strong relationship with colleagues and clients, fostering a positive and productive working environment, my ability to empower others to achieve their full potential has earned me a widespread respect and admiration within the firm.
With a passion for continuous learning and a dedication to excellence, I am driven to deliver exceptional results while supporting the growth and development of both my team and the firm.
Quote
“We do what we have to do, so we can do what we want to do”
Head of Marketing
A fellow member of ACCA, and seasoned finance professional with nearly two decades of experience across Ghana and the United Kingdom. I am champion of digital transformation in finance, currently a consultant with Moracle UK, providing Independent Examination and audit support to charities and non-charitable organizations.
Miriam and Morlai co-founded Moracle in Africa in Ghana delivering virtual CFO services supporting small and medium-sized enterprises, startups, and NGOs using smart, tech-driven accounting solutions and online banking.
This service is digital, online, and paperless.
I have demonstrated consistent success in establishing, restructuring, and strengthening finance functions, ensuring that businesses operate with transparency, accountability, and strategic control.
As member of Women in Digital business WIDB a group of women entrepreneurs, I provide training on how to use digital tools for book keeping and management information systems.
I am currently enrolled in the No Code AI Machine Learning NCAIML, Programme by MIT professional education a no-code data science programme designed to equip professionals with the skills to apply AI and Machine Learning in developing innovative business solutions.
Head of operations at Moracle Foundation
Sepide holds a degree in Industrial Engineering from Iran and began her journey at Moracle Foundation as an intern. Today, she proudly serves as the Head of Operations and Administration. Her background in administration, coordination, personal assistance, and graphic design has equipped her with the skills to manage and streamline operations efficiently. Moracle’s mission to support young, disadvantaged individuals has become her own passion.Sepide is committed to helping students and aspiring professionals thrive in finance and accounting, and feels honored to be part of a team making a meaningful impact.
