The problem it solves
Most small businesses in Zambia track this work across WhatsApp, spreadsheets, email and a folder of PDFs. That works until a deadline is missed, and the regulator is the one who reminds you — with a penalty. Bumara replaces that with:Who it is built for
Business owners
You wear several hats and mostly work from your phone. You want one screen showing money
due, filings due, and what is at risk — and the ability to approve things without training.
Bookkeepers and accountants
You post invoices and receipts daily, reconcile payments, and prepare statutory packs.
You want validations, evidence attached to every entry, and a clean month-end.
Compliance consultants
You handle several clients. You want per-client separation, one obligation calendar
across the portfolio, and proof of every submission.
How the pieces fit together
1
You set up your business
You tell Bumara what kind of entity you are, which regulators you are registered with,
and what your financial year end is. See Set up your business.
2
Bumara works out what you owe
Based on your entity type and regulators, Bumara creates your obligations — the
recurring things you must file. Each obligation produces a filing for every period,
with a due date calculated for you.
3
Each filing comes with a checklist
A filing is not just a deadline. It arrives with tasks — enter these figures, upload
that document, confirm these details — and a list of required documents. When the checklist
is complete, the filing becomes ready to submit.
4
Your operational work feeds the filings
Run payroll and your PAYE, NAPSA and NHIMA figures are ready. Issue invoices and your
turnover tax figures are ready. You are not re-typing numbers you already entered.
5
Bumara submits on your behalf
When a filing is ready, you request submission. The Bumara team takes it to the regulator,
files it, and returns the acknowledgement to your vault. See
Submitting to a regulator.
What each part of Bumara covers
What Bumara does not do
Being clear about the boundaries saves surprises:- Bumara is not your accountant. It prepares and files what you tell it. It does not give tax advice or decide what is deductible.
- Bumara does not invent figures. If your payroll is wrong, your PAYE return will be wrong. Every calculated figure is shown for you to review before it is submitted.
- Bumara does not act without you. Nothing is filed with a regulator until you request submission for that specific filing.
Ready to begin? Start with Create your account, then
Set up your business.