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Modern Office

Reliable and Clear Accounting for Small Businesses

Tilipalvelu Zafar Oy provides straightforward, reliable, and personalized accounting services, allowing you to focus on what matters most—growing your business.

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About Us

Tilipalvelu Zafar Oy is a customer-focused accounting firm based in Finland. We help sole traders, limited companies, small businesses, and micro-enterprises manage their finances with confidence, clarity, and reliability.

Our services are designed for entrepreneurs who value personal service, practical advice, and straightforward financial management without unnecessary bureaucracy. We use trusted Finnish cloud-based accounting and payroll systems to provide secure, digital, and cost-effective financial solutions.

Through our professional network, we are able to support both start-up businesses and growing companies. When needed, we collaborate with other accounting firms and financial professionals to ensure our clients receive high-quality, flexible, and reliable services tailored to their business needs.

At Tilipalvelu Zafar Oy, our goal is to build long-term relationships based on trust, transparency, and professional expertise—allowing you to focus on growing your business.

Gulfam Zafar

As a financial administration graduate specializing in Accounting and Auditing, I established Tilipalvelu Zafar oy with a clear vision: to make accounting simple, transparent, and valuable for entrepreneurs.

Our goal is to build long-term relationships with our clients by providing professional guidance, responsive service, and practical financial solutions, allowing entrepreneurs to focus on growing their businesses with confidence.

Gulfam Zafar

CEO/Accountant
firstname.lastname(at)tilipalveluzafaroy.fi +358 40 186 6863
100%
Digital & Modern
Reliable
Finnish Partner
Tilipalvelu Zafar Oy Financial Management
Tilipalvelu Zafar Oy
Professional Accounting & Tax Services

Our Services

Bookkeeping

We handle your monthly bookkeeping, official reports, and VAT calculations on time and with expertise.

Financial Statements

We prepare your annual statements, income reports, balance sheets, and tax filings with precision.

Payroll

We manage your payroll duties reliably, so you can focus on your business—not paperwork.

Entrepreneur Support

We offer strategic advice and tax planning for growing your company long-term.

Price List

Transparent, reliable accounting packages tailored to your business

Essential

Essential

€49/month for Sole Traders
€59/month for Companies

Includes

  • Monthly bookkeeping
  • Up to 5-15 receipts per month, depending on the nature of business
  • One Bank Account
  • VAT returns
  • Basic accounting and tax advice

Additional Charges

  • Additional receipts will be charged separately.
  • For Annual Financial statements and Tax Return billed separately.
  • Services outside the package are charged according to the Service Price List.
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Flexible Hourly Rate
Flexible

Flexible

€69/hour

Minimum charge: €69

Billing is based on actual time worked.

All company accounting, tax, and financial management services billed based on actual hours worked (€69/h), including:

  • Monthly bookkeeping
  • VAT returns
  • Financial statements
  • Annual tax return
  • Payroll services
  • Accounting and tax advice
  • Other accounting and financial administration services
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Custom

Custom

Fixed monthly fee agreed in advance

Designed for businesses requiring comprehensive, ongoing accounting support.

Includes

  • Fixed monthly fee agreed in advance
  • Prices remain the same throughout the year
  • No unexpected charges for services included in the agreement
  • Monthly bookkeeping
  • VAT returns
  • Payroll services
  • Financial statements
  • Annual tax return
  • Accounting and tax advice
  • Dedicated accounting support
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Please Note
  • Accounting software subscription and monthly software fees are not included, unless otherwise agreed.
  • All prices are exclusive of VAT. The applicable VAT will be added to all prices.
  • The initial consultation for new clients is free of charge.
  • Other service prices can be found in a separate service price list.

Our Partners

We collaborate with leading Finnish organizations and digital financial platforms to deliver seamless, secure, and reliable bookkeeping services.

Suomen Yrittäjät
SimplBooks
Nocfo

Let's Make Your Financial Management Easier

Contact us for a free assessment—no obligation. We offer remote services throughout Finland.

Email
info@tilipalveluzafaroy.fi
Phone
+358 40 1866863
Facebook
Tilipalvelu Zafar Oy
Send a Message or Request a Quote
Remote services throughout Finland

Useful Links

Essential resources and official portals for Finnish entrepreneurs and businesses.

Blog

Blog & Insights

Practical accounting, tax, and financial tips for Finnish entrepreneurs and businesses.

Entrepreneurship & Business Growth Published: July 2026 • Reading time: Approx. 8 minutes

Growing Your Business in Finland – Common Accounting Challenges and How to Overcome Them

Tilipalvelu Zafar Oy
Tilipalvelu Zafar Oy
YOUR RELIABLE ACCOUNTING PARTNER

📈 Yrityksen kasvu on hieno saavutus – mutta se tuo mukanaan uusia vastuita

Many entrepreneurs start their business on their own. As a company grows, its financial and accounting obligations also increase. Keeping your accounting up to date helps you make better business decisions.

"Kasvava yritys ilman ajantasaista kirjanpitoa on kuin auto ilman mittaristoa – matka jatkuu, mutta et tiedä kuinka pitkälle pääset."

💼 Mitä tapahtuu yrityksen kasvaessa?

  • Myynti kasvaa
  • Ostolaskujen määrä lisääntyy
  • Pankkitapahtumia kertyy enemmän
  • ALV-velvoitteet kasvavat
  • Työntekijöiden palkkaaminen lisää velvollisuuksia
  • Kassavirran suunnittelu korostuu

Yleisimmät haasteet

1. Kirjanpito jää jälkeen
2. ALV ja verotus monimutkaistuvat
3. Työntekijöiden palkkaaminen
4. Kassavirran hallinta
5. Kannattavuuden seuranta
6. Rahoituksen hakeminen

Miten Tilipalvelu Zafar Oy auttaa?

Sähköinen kirjanpito
ALV-ilmoitukset
Palkanlaskenta
Kuukausiraportit (tuloslaskelma ja tase)
Tilinpäätös ja veroilmoitus
Budjetointi
Kassavirran suunnittelu
Talousennusteet
Yritys- ja veroneuvonta

Milloin kannattaa ottaa tilitoimisto mukaan?

Kun kirjanpito vie liikaa aikaa, liiketoiminta kasvaa, palkkaat työntekijöitä, tarvitset kuukausiraportteja tai suunnittelet investointeja.

Keskity yrityksesi kasvattamiseen

Anna Tilipalvelu Zafar Oy:n hoitaa taloushallintosi, jotta voit keskistyä yrityksesi kehittämiseen.

info@tilipalveluzafaroy.fi • www.tilipalveluzafaroy.fi
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