JS Morlu Ghana

Inflated valuations, fictitious contractors, and rent diversion are more common in real estate than most firms admit.

We trace funds across complex property transactions.
We verify contractor and supplier legitimacy.

JS Morlu Ghana's Forensic Audit team investigates financial irregularities with discretion and rigour.

Reach out today, we're here to help: [email protected] | https://jsmorlu.com.gh/

The ERP launch had banners. Refreshments. A speech about "digital transformation."

Three months later, someone's still emailing "the master sheet."

You know the one.

The system went live. The behavior never did.

Here's the flip: software doesn't fail because it's bad. It fails because nobody redesigned the process underneath it — so the same slow approvals and same broken habits just got a shinier login page.

Excel isn't the problem. It's the symptom.

Be honest — is there still a spreadsheet somewhere quietly running your company?

https://jsmorlu.com.gh/blog/business/excel-still-running/

Your NGO just finished a funded project.

The donor comes back with disallowed costs.

You have the receipts. But the allocation method wasn't documented.

Now you're absorbing expenses that should have been recoverable.

Most NGOs don't lose funding because they misused it.

They lose it because the paperwork didn't hold up.

Cost recovery isn't just an audit term — it's the difference between financial sustainability and quietly bleeding your operational budget dry.

What's the weakest link in your cost recovery process right now — documentation, allocation, or the donor agreement itself?

https://jsmorlu.com.gh/blog/audit/cost-recovery-audits-ngos/

A multinational sets up in Ghana. The board back at headquarters is pleased a new market, a new opportunity.

But here is what often gets missed: the subsidiary in Accra has its own legal identity. Its own obligations. Its own directors who carry fiduciary duties under Ghanaian law whether or not headquarters is watching.

We have seen subsidiaries run like remote offices instead of companies. No independent board oversight. No clear separation between parent instruction and local governance. Directors who do not fully appreciate that their duties run to the Ghanaian entity not just to the group.

That gap is where risk lives.

Good governance for a subsidiary means understanding where the parent's authority ends and local accountability begins. It means having directors who are not simply messengers but stewards.

If you sit on a subsidiary board or advise one, ask yourself: does the governance structure here reflect a company or a department?

That distinction matters more than most people realise.

Same employee handles approvals, reconciliations, and never takes leave.

Everyone calls them "dedicated."

Nobody calls it a red flag.

Fraud doesn't usually announce itself. It hides inside the things that look normal — the invoice that's "always been that way," the inventory gap "probably just a counting error."

Here's the flip: the fraud playbook is different for every industry — but the blind spot is the same everywhere. We stop looking once something feels routine.

Which of your "normal" processes have gone unquestioned the longest?

https://jsmorlu.com.gh/blog/business/industry-fraud-signs/

It's Tax Tuesday!

Leasing commercial property in Ghana? VAT at 15% applies, and getting it wrong attracts penalties.

Businesses with taxable supplies above GHS 200,000 must register for VAT.
VAT must be charged on qualifying commercial leases once registered.

Our tax advisory team reviews lease agreements to confirm full VAT compliance.

Reach out today, we're here to help: [email protected] | https://jsmorlu.com.gh/

The training sessions happened. The photos were taken. The report got submitted.

But nobody can say if it actually worked.

Sound familiar?

Most donor-funded projects don't fail because the money ran out. They fail because nobody was tracking whether the money was working.

Here's the flip: monitoring isn't a compliance box to tick after the fact — it's the difference between "we spent it" and "we know what it produced."

Donors aren't just funding activities anymore. They're funding evidence.

If a donor asked you right now to prove your last project's impact — could you, in one sentence?

https://jsmorlu.com.gh/blog/economy/donor-funding-risk/

Property acquisitions can hide more than they reveal, from undisclosed liens to inaccurate ownership records.

We verify legal title and ownership history. We flag regulatory and compliance issues before they become yours.

JS Morlu Ghana's Due Diligence service gives real estate investors and developers a clear picture before they commit. Reach out today, we're here to help: [email protected] | hhttps://jsmorlu.com.gh/

Your sales report says one thing.

Your gut says another.

Guess which one wins most Monday morning meetings?

Most businesses aren't short on data — they're short on the habit of actually looking at it before deciding.

The inventory sits wrong for months. The marketing spend keeps going to the same underperforming channel.
The cash flow surprise arrives "out of nowhere" — except it wasn't out of nowhere, it was in the numbers weeks ago.

Here's the flip: the businesses winning right now aren't the ones with the most data. They're the ones who built the habit of reading it before it becomes a problem.

When did you last make a business decision purely on gut feeling — and how did it turn out?

https://jsmorlu.com.gh/blog/business/data-driven-decisions/

"Kwame knows how it works" is not a business system. It's a ticking clock.

Every business owner has met this company. Some of us have run it.

No reconciliations. No systems. Approvals happen over WhatsApp voice notes.

Then Kwame resigns, and suddenly nobody can find the invoice from March.

Here's the uncomfortable truth: most businesses don't collapse overnight. They quietly ignore the warning signs for years, then act surprised when the bill comes due.

Ghana has the opportunity. What it needs is the discipline to match it.

Which one of these "strategies" is secretly running your business right now?

https://jsmorlu.com.gh/blog/business/business-self-destruction/