Bilal Zia & Co.

Finance practice, Pakistan

We make the numbers reconcile.

Bilal Zia & Co. advises on finance, builds the software that runs it, reports on it with Power BI, and tests it with controls and internal audit.

Write to us See our software running
Receivables reconciliation 30 June 2026
Customer subledger, 214 accounts 4,87,52,300
General ledger, control account 4,87,52,300
Difference 0
Agreed, with no adjusting entries. Figures are illustrative.

Services

Four kinds of work, each with two sides.

Every entry in the books has a debit and a credit. Our engagements are built the same way: on the left, the work we do. On the right, what stays with you after we leave.

Financial consulting

For owners and finance heads who need a decision backed by figures.

We do

  • Feasibility studies and financial models for new projects and bank financing
  • Budgets, forecasts and cash flow planning
  • Business valuation and support during due diligence
  • Costing and profitability by product, project or site
  • Month-end close and management reporting design

You keep

  • A model your own team can change and rerun
  • A budget tied to your chart of accounts
  • A report pack that management reads every month
  • Workings that a bank or auditor can follow

Financial software development

For companies whose accounts have outgrown spreadsheets and patched systems.

We do

  • Design and build ledgers, subledgers, vouchers and approvals
  • Move data from old systems without losing history
  • Payroll, attendance and leave linked to the accounts
  • Connections to Microsoft 365, banks and messaging
  • Access rules that follow your reporting lines

You keep

  • Working software, with its source and documents
  • Opening balances that agree to your last accounts
  • An audit trail on every change
  • Screens written in your own policy language

Business intelligence

Power BI and related tools, for management that wants one version of each number.

We do

  • Data models built over your accounting and operations data
  • Power BI dashboards and paginated reports
  • Measures in DAX, with each definition written down
  • Scheduled refresh and row-level security
  • Excel and Power Query packs for month-end

You keep

  • Dashboards that agree to the ledger
  • One definition for revenue, margin and cash
  • Reports that refresh without manual work
  • Each person seeing only their own division

Accounting controls and internal audit

For boards and owners who want to know the figures can be trusted.

We do

  • Map processes and the controls inside them
  • Authority limits and separation of duties
  • Internal audit plans, fieldwork and testing
  • Reconciliations of banks, parties, stock and fixed assets
  • Follow-up until each finding is closed

You keep

  • A controls register with a named owner for each control
  • Audit reports with findings ranked by risk
  • An action list with dates
  • Evidence files that stand up to review

Our running project

Fincountant

Fincountant is the finance and operations system we design and build ourselves. It runs every working day at a construction and real estate group in Pakistan.

It is also where we prove our own ideas. Controls and reports are tried there, in daily use, before we recommend them.

Open fincountant.app

The link opens the sign-in page of the live system.

Ledger and vouchers
General ledger with cash and bank vouchers and posting controls.
Attendance, leave and payroll
Machine and web punches, duty rosters, approvals and work-day calculation.
Correspondence register
Letters in and out, with serial numbers, scans and subject files.
Mail and communications
Company mail inside the system, with tasks, calendar and conversations.
Organisation and access
Six-part structure, appointments, reporting lines and rights granted by name.
Document pool
One store for every file, linked to the letter, party or project it belongs to.

Approach

Three rules we do not bend.

A thin ledger, detailed subledgers

The general ledger stays short and balanced. Detail lives in the subledgers, and they agree to the ledger without plug figures.

Stop at the first failed check

We work in small steps and test each one. When a check fails we stop and fix the cause, not the symptom.

History is kept, never overwritten

A correction is a new entry with a name and a date. What was recorded before stays on the record.

We work within the Companies Act, 2017 and the financial reporting standards that apply in Pakistan, and to the filing calendars of SECP and FBR. Figures are presented the way local management reads them: in rupees, lakhs and crores.

Contact

Start with a question.

Tell us what is not reconciling, or what you need to decide. We reply with what we would look at first.

info@bilalziaco.com
Firm
Bilal Zia & Co.
Country
Pakistan