The potential for creating composite cements by incorporating fly ash is demonstrated. Analysis revealed that the fly ash examined consists of 69.66 wt. % silicon oxide, 21.34 wt. % aluminum oxide, 1.57 wt. % calcium oxide and 2.78 wt. % iron oxide. Fly ash mainly consists of quartz (SiO₂), goethite (FeO(OH)) and mullite (3Al₂O₃·2SiO₂). The properties of the cement composition containing 5 to 25 wt. % fly ash were studied. Incorporating fly ash enhances system dispersion, promotes mixture uniformity, and stimulates the pozzolanic reaction. Compositions of composite cements consisting of 90% CEM I 42.5 and 10% fly ash were developed. The cement stone based on the obtained composite cement had a compacted structure with a density of 2.160 g/cm³, which is 9.4% higher than the control sample. It is shown that when composite cement containing 10% fly ash interacts with water, hydration reactions of cement minerals (C₃S, C₂S, C₃A and C₄AF) begin first. This is accompanied by the formation of hydrate neoplasms, such as calcium hydroxide (Ca(OH)₂) and calcium hydrosilicates (C-S-H). Fly ash particles containing amorphous silica progressively participate in a pozzolanic reaction with Ca(OH)₂, leading to the formation of additional calcium hydrosilicates phases. This process enhances structural densification and reduces the porosity of the cement matrix. After 28 days of curing, the compressive strength of the resulting composite cements ranged from 42.1 to 54.2 MPa, aligning with the strength classes 32.5 and 42.5 as specified by GOST 31108-2020.