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.
Every engagement is delivered in line with ACCA's Code of Ethics and professional requirements, ensuring your financial information is handled with care, independence, and transparency. This regulatory oversight gives you the assurance that our advice is not only practical and commercially sound, but also reliable and responsibly delivered. For us, professional standards aren't a statement—they're the foundation of how we help businesses make better decisions and grow with confidence. At Moracle, we don't view regulation as a burden—we embrace it as a framework that helps us deliver exceptional service. Our ACCA regulation isn't just about compliance; it's about demonstrating our commitment to you through independently verified professional standards. When you choose Moracle, you're choosing a firm where quality, integrity, and accountability aren't just values we talk about—they're standards we're professionally obligated to uphold, monitored to ensure, and disciplined if we fail to meet. That's the Moracle difference. That's the ACCA standard.
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.
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 — in conversations, decisions, and the way we support each other through complexity and growth. 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.
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.
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.
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.
The gap between knowing something and doing it matters. We examine our habits and beliefs, we're willing to change course, and we actively seek smarter, more effective ways to work.
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.
Business Development Manager
Head of operations at Moracle Foundation
Trainee Accountant
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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.
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.
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.
