FZM Solutions

Corporate compliance

UAE compliance services, ESR, UBO and AML, handled.

Economic Substance, Ultimate Beneficial Owner registers and anti-money-laundering rules carry real penalties when they slip. One advisor works out exactly what applies to your company, files it with the right authority, and tracks every deadline.

  • ESR assessment and back-filing
  • UBO registers built and lodged
  • AML and goAML set up
  • Every deadline tracked for you
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GoogleReviews★★★★★4.8/ 5 · 85+
Your compliance status
On the record
  1. Economic SubstanceStep 1Assessed and back-filed where due
  2. UBO registerStep 2Lodged and kept current
  3. AML and goAMLStep 3Registered, with policies in place

We file with the right authority

Ministry of FinancegoAMLMinistry of EconomyDET / DEDFree Zone registrars

We file with the right authority

  • Ministry of Finance
  • goAML
  • Ministry of Economy
  • DET / DED
  • Free Zone registrars
  • FTA

What we cover

Three regimes, one compliant company.

Most UAE companies face the same three regimes. We work out which ones apply to you, prepare each filing correctly, and keep them all current, so a small oversight never turns into a penalty.

Economic Substance (ESR)

The Economic Substance Regulations required companies carrying on a Relevant Activity to file a notification and, where in scope, a report. We handle the assessment and any back-filing for the years it applied.

Cadence
Annual, 2019 to 2022
Applies to
Relevant Activities

Best for: Companies with prior-year ESR exposure

  • Relevant-activity assessment
  • Notification and report filing
  • Back-filing for missed years
Applies to most

Ultimate Beneficial Owner (UBO)

Almost every UAE company must keep a register of its real owners and file it with the licensing authority. We build the UBO register, lodge it, and keep it current whenever ownership changes.

Cadence
On setup, plus changes
Applies to
Almost all companies

Best for: Every Free Zone and Mainland company

  • UBO and shareholder registers
  • Filed with your registrar
  • Updated on any ownership change

Anti-Money Laundering (AML)

Designated non-financial businesses (DNFBPs) must register on goAML, the UAE's anti-money-laundering reporting portal, and run an AML programme. We set up the registration, the risk assessment and the KYC (Know Your Customer) policies, and support your reporting obligations.

Cadence
Ongoing
Applies to
DNFBPs

Best for: Real estate, dealers, advisers, corporate services

  • goAML registration
  • Risk assessment and KYC policies
  • Suspicious-transaction reporting support

We also keep your corporate tax registration, annual returns and MoA (Memorandum of Association) filings current.

The workload, split

You share the details, we do the filings.

What you provide

  • Trade license and company structure
  • Shareholder and beneficial-owner details
  • Activity description and any Relevant Activities
  • Financial information where a report is due
  • Existing registers and prior filings

What we handle

  • Assess which regimes actually apply to you
  • Prepare and lodge the UBO register
  • File ESR notifications and reports where due
  • Set up goAML registration and AML policies
  • Track every deadline and file on time

How it works

From assessment to filed and tracked.

  1. Step 1

    Compliance assessment

    We map your activity and ownership to the regimes that apply, ESR, UBO and AML, so nothing is missed or over-done.

  2. Step 2

    Prepare the application

    We prepare the registers, notifications, reports and AML policies your company actually needs.

  3. Step 3

    File with the authority

    We submit to the Ministry of Finance, your registrar and goAML, with the correct evidence attached.

  4. Step 4

    Monitor and renew

    We track the deadlines, refresh registers on changes, and keep you compliant year after year.

Fewer penalties

Where companies get caught out, and how we prevent it.

Most compliance fines come from a handful of avoidable mistakes. We screen for every one of them and keep your registers and filings current, so a small slip never becomes a penalty.

Run a compliance check

  • Missed deadlines

    Late or skipped filings bring fixed penalties. We diarise every regime and file on time.

  • Stale UBO register

    Ownership changed but the register did not. We update it within the filing window.

  • No AML programme

    A DNFBP with no goAML registration or policies. We put the programme in place.

  • Wrong scope call

    Assuming a regime does not apply, or filing when it does not. We make the right call.

The FZM Solutions team that keeps UAE companies compliant
Setup, tax and compliance, one team

Why FZM

Compliance that stays on top of the rules.

After fifteen years and more than 1,500 companies set up and supported, we keep ESR, UBO and AML in step with your accounting and tax, so every filing draws on the same accurate records.

1,500+
Companies set up and supported
15+
Years of UAE regulatory experience
3
Core regimes: ESR, UBO, AML
1
Advisor for every filing

Keep going

Everything around your compliance.

Corporate taxRegister and file 9% UAE corporate tax with us.
Value Added Tax (VAT)VAT registration, quarterly returns and refunds.
Accounting and auditingBooks and audits that keep you compliant.
Corporate bankingOpen a business bank account in the UAE.
Free Zone company setupForm the company these filings sit under.
Cost calculatorEstimate setup, banking and compliance costs.

Good to know

UAE compliance, answered.

What are Economic Substance Regulations (ESR) in the UAE?
ESR required UAE companies carrying on a Relevant Activity, such as holding, headquarters, distribution, shipping or IP business, to file an annual notification and, where in scope, an economic substance report. The UAE cancelled ESR obligations for financial years beginning on or after 1 January 2023, but notifications and reports for 2019 to 2022 still matter, and authorities can review or penalise those periods. We assess your exposure and handle any back-filing.
What is a UBO register and who needs one?
A UBO register records the Ultimate Beneficial Owners, the real people who ultimately own or control the company. Almost every UAE company, Free Zone or Mainland, must maintain one and file it with its licensing authority, then update it whenever ownership changes. We build the register, lodge it and keep it current for you.
Who needs to register for AML and goAML in the UAE?
Designated Non-Financial Businesses and Professions, known as DNFBPs, must comply with UAE anti-money-laundering rules. That includes real estate brokers, dealers in precious metals and stones, auditors, and corporate service providers. They must register on the goAML portal, run a risk assessment, keep KYC policies and report suspicious transactions. We set the whole programme up.
What are the penalties for non-compliance?
Each regime carries its own fines. Failing to maintain or file a UBO register, missing an ESR deadline in the years it applied, or operating as a DNFBP without an AML programme can all trigger fixed penalties, and repeated breaches escalate. The cost of compliance is far lower than the fines, which is exactly why we track every deadline for you.
Do Free Zone companies have to comply with ESR, UBO and AML?
Yes. These are federal regimes that apply across the UAE, including the Free Zones, though the filing portal and the registrar differ by jurisdiction. A Free Zone company still maintains a UBO register, had ESR obligations in the years it applied, and must run an AML programme if it is a DNFBP. We tailor the filings to your specific zone.
How do I know which regimes apply to my company?
It comes down to your activity, your ownership and your jurisdiction. UBO applies to almost everyone, AML applies if you are a DNFBP, and ESR applied to companies with a Relevant Activity in the relevant years. We run a short assessment of your license and structure and tell you exactly what applies, with no scaremongering.
Can you handle ongoing compliance and deadlines for me?
Yes. We do not just file once and walk away. We diarise every recurring obligation, refresh your registers whenever ownership or activity changes, and remind you well ahead of each deadline, so your company stays in good standing year after year.
Does compliance connect with my tax and accounting?
Closely. UBO data, ESR reporting and AML KYC all draw on the same company records that feed your VAT, corporate tax and audited accounts. Keeping compliance, tax and bookkeeping under one roof means the information stays consistent across every filing. See our accounting and corporate tax pages for the full picture.
GoogleReviews
4.8
85+ Reviews

  • Highly recommended. A professional team, prompt on every detailed query and seamless on every requirement, trade license, corporate tax, bank account, residence ID, medical.

    Maha Badr

  • Simply impeccable. They didn't just meet deadlines, they anticipated them, with quick and effective solutions even in complex situations.

    Largo Home

  • Very efficient. Company formation, employment contract, residency visa, and all the prerequisites handled. Friendly and professional throughout.

    Maciej Kolodziejczyk
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