Usman Zafar & Co., Chartered Accountants

What Usman Zafar & Co., Chartered Accountants does

Usman Zafar & Co., Chartered Accountants (DBA: UZCO-CAs) is a privately-held partnership chartered accountancy firm registered and headquartered in Pakistan, operating through three physical offices in Lahore, Islamabad, and Bahawalpur. The firm delivers a broad portfolio of professional services across six core lines: Audit & Assurance (internal, efficiency, forensic audits and agreed-upon engagements), Tax & Corporate Consulting (planning, compliance, governance, foreign corporate law), Accounting Outsourcing (book-keeping, BPO, payroll, fixed assets), Financial & Business Advisory (feasibilities, enterprise valuation, due diligence), ERP & Automation Solutions (built around Odoo open-source implementation and process automation), and Virtual CFO Services (startup consultancy, wealth/portfolio management). Technology assets are modest and conventional for the sector — primarily the Odoo ERP stack for client delivery and a free Salary Tax Calculator 2026-27 web tool that provides a 5-year Pakistan tax comparison. No proprietary software, API, or AI/ML capability is evidenced.

The firm sells exclusively through a sales-led, quote-based model — clients request customized packages via the website contact form, with no publicly disclosed pricing tiers. Its core customer base is segmented vertically across healthcare, education, NGOs, construction, logistics/trading, manufacturing, hospitality, and startups, and it extends service delivery internationally to clients in the USA, Saudi Arabia, Portugal, Spain, and South Africa through remote/digital engagement. Leadership comprises Managing Partner Usman Zafar (Fellow member of ICAP and PIPFA) and Director Umair Danish (Chartered Certified Financial Consultant from Canada, EY alumnus from Pakistan and Qatar offices). Revenue is not publicly disclosed; the firm is founder-controlled with no external institutional investors.

Name

Usman Zafar & Co., Chartered Accountants

Legal name

Usman Zafar & Co., Chartered Accountants

Website

https://uzandco.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

1–10 employees

Short description

UZCO-CAs is a Pakistan-based chartered accountancy firm operating from Lahore, Islamabad, and Bahawalpur, delivering audit, tax, accounting outsourcing, ERP (Odoo), financial advisory, and virtual CFO services to SMEs, NGOs, and startups locally and internationally.

Ownership category

akta.pro rank

Headquarters

HQ city

Lahore

HQ country

Pakistan

HQ region

Asia

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Audit & Assurance Services: Comprehensive audit services including internal audit, efficiency audit, forensic audit, and agreed-upon engagements for businesses to ensure compliance and enhance trust
2. Tax Advisory & Compliance: Tax planning, compliance services, corporate governance advisory, and foreign corporate law consulting to help businesses navigate tax complexity
3. Accounting Outsourcing: Book-keeping, BPO services, payroll management, employee funds administration, and fixed assets management outsourced to the firm
4. Financial Advisory: Financial feasibilities, enterprise valuation, due diligence, project appraisal, and financing support services
5. ERP Solutions: Open-source ERP implementation, process automation, information system audit, system integration, and ERP health check services
6. Virtual CFO Services: Financial consultancy for startups, accountancy outsourcing, feasibility studies, and wealth/portfolio management

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core offering

UZCO-CAs is a chartered accountancy firm delivering professional services across audit & assurance, accounting outsourcing (book-keeping, payroll, BPO, fixed assets management), tax and corporate compliance, financial and business advisory (feasibilities, valuation, due diligence), HR services, and ERP & automation solutions based on Odoo. The firm also offers a free online Salary Tax Calculator for Pakistani taxpayers and provides Virtual CFO services tailored to startups.

Product overview

UZCO-CAs is a chartered accountancy firm offering a comprehensive portfolio of professional services. The core offerings include Accounting Outsourcing Services (book-keeping, BPO, payroll, fixed assets), Audit & Assurance (internal, efficiency, forensic audits), Financial & Business Advisory (feasibilities, valuations, due diligence), Tax & Corporate Consulting (planning, compliance, governance), HR Services, ERP & Automation Solutions (open-source ERP implementation, process automation), and Virtual CFO Services (startup consultancy, wealth management). Additionally, the firm provides a Salary Tax Calculator tool for Pakistani salary income tax computation. The services are delivered through a team of chartered accountants and finance professionals, with ERP solutions specifically approved for Odoo implementation.

Differentiator

Problem solved

Functional benefit

Products and services

• Accounting Outsourcing Services
• Audit and Assurance
• Financial and Business Advisory
• Tax and Corporate Consulting
• HR Services
• ERP and Automation Solutions
• Virtual CFO Services
• Salary Tax Calculator 2026-27

Quantifiable outcome

• Professional certifications from ICAP and ACCA UK demonstrate compliance with internationally recognized accounting standards
• +1 more outcomes

Named customers8 records

Segments8 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Three partnerships are on record, tiered core and strategic.

• Institute of Chartered Accountants of Pakistan (ICAP)coreOthersProfessional membership and regulatory affiliation with Pakistan's premier accounting body. The firm is both a member and an Approved Training Organization, demonstrating deep integration with ICAP's professional standards and CA training programs.
• Association of Chartered Certified Accountants (ACCA), UKcoreOthersAuthorized Employer status with ACCA UK, indicating compliance with international accounting education standards and authorization to employ and train ACCA affiliates/members.
• OdoostrategicTechnology or IntegrationOdoo Approved Accounting Firm status enables the firm to implement, customize, and support Odoo ERP solutions for clients. This partnership provides access to Odoo's open-source ERP platform for business automation.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• BDO Ebrahim & Co. Mid-tier Pakistani chartered accountancy firm affiliated with BDO Global, offering audit, tax, and advisory services to mid-market clients. Closest comparable in scale and service mix to UZCO.
• RSM Pakistan: Pakistan member of RSM International providing audit, tax, and consulting services to mid-market businesses. Comparable mid-tier network firm targeting similar client segments as UZCO.
• Grant Thornton Pakistan: Pakistan member of Grant Thornton International providing audit, tax, and business advisory to mid-market companies. Closely comparable mid-tier international network firm to UZCO.
• Baker Tilly Pakistan: Pakistan member of Baker Tilly International providing audit, tax, and advisory services to mid-market and SME clients. Comparable in scale, service mix, and mid-market focus to UZCO.
• Crowe Pakistan (Haroon Zakaria & Co.): Pakistan member of Crowe Global offering audit, tax, and advisory services to mid-market clients. Similar size tier and service orientation as UZCO.

Broad incumbents

• KPMG Taseer Hadi & Co. Pakistan member firm of KPMG providing audit, tax, and advisory services to enterprise clients. Operates in the same professional services category as UZCO but with substantially larger scale and global brand backing.
• A.F. Ferguson & Co. (PwC Pakistan): Pakistani member firm of PwC providing audit, tax, and advisory services to enterprise and mid-market clients. Directly comparable professional services offering; larger scale and global network make it a broad incumbent rather than a direct mid-tier peer.
• Deloitte Yousuf Adil & Co. Pakistan member firm of Deloitte offering audit, tax, consulting, and risk advisory. Comparable chartered accountancy core with far broader consulting portfolio and global brand positioning.
• Ford Rhodes Sidat Hyder & Co. (EY Pakistan): EY's Pakistan member firm offering audit, tax, transaction, and consulting services across industries. Highly overlapping service portfolio; UZCO's director started career here, making it a key talent lineage and competitive reference point.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/uzandco
• LinkedInlinkedin.com/company/usmanzafarco

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Usman Zafar & Co., Chartered Accountants