Compliance Infrastructure
GOSI auto-calculated. WPS files generated in one click. LMRA documents tracked. Work permit expiry alerts before they cost you. Bahrainization ratio visible at all times. End-of-service indemnity always current.
An ERP for the Kingdom of Bahrain
Built for the Bahraini SME.
An ERP system that understands GOSI, WPS, LMRA, NBR, and Bahrainization, because it was built here, for here.
- Built for Bahrain
- AWS Bahrain region
- Arabic and English from day one
- PDPL compliant
P
Search invoices, contracts, deadlines...
OwnerAccountantHR
Good morning
Wednesday, 10 June 2026
Outstanding invoices
BD 36,600
4 overdue
Cashflow · 30 days
BD 15,550
Net positive
Compliance score
78/100
1 item overdue
Business Health
A-
Bank ready
Work permit for Rajesh Kumar expires in 17 days. Renew now.
Compliance
Always current. GOSI, WPS, LMRA tracked without you asking.
Cashflow
Real-time. Invoiced, paid, and overdue all in one view.
Reporting
Investor-ready. Business Health Score, ESG, and bank-grade reports built in.
Running a Bahraini SME today means too many systems for too few people.
Payroll lives in a spreadsheet that one person understands. GOSI and LMRA each have their own login, their own format, their own deadline. The WPS file is rebuilt by hand every month, and the salary upload still goes wrong at least twice a year.
End-of-service indemnity is calculated by the accountant on a napkin, usually the week someone resigns. VAT returns are reconciled the night before they are due. Bahrainization ratios are a guess until the Ministry asks.
Cashflow is invisible until it is a problem. The bank wants financials but the financials are in three different places, the accounting software, the payroll sheet, and the owner's head. None of them agree.
None of this is anyone's fault. The software you are using was built for somewhere else, and you have been bridging the gap with your own time. Pragma is what happens when an ERP is designed for Bahrain from the first line of code.
The Pragma Framework
Three systems, one platform.
Financial Operating System
Accounting, payroll, invoicing, and bank reconciliation in one place. Multi-currency USD and BHD. VAT returns generated in NBR format. Tally bridge for businesses already on Tally. Open banking through Tarabut.
Business Intelligence
A Business Health Score your bank actually understands. People intelligence and retention risk. ESG reporting for Bahrain Bourse and PIF supplier requirements. A weekly AI briefing delivered to your WhatsApp every Sunday.
The Modules
Five modules. One ledger.
Accounting & Finance
Double-entry accounting, VAT, multi-currency, bank reconciliation, all from one ledger.
HR & Payroll
Payroll, GOSI, WPS, leave, indemnity, and Bahrainization tracked in a single record.
CRM & Sales
Pipeline, quotes, contracts, and invoicing connected to the ledger end to end.
Operations & Projects
Job costing, timesheets, and project profitability for service and contracting work.
Inventory & Procurement
Stock, suppliers, purchase orders, and landed cost across multiple locations.
The Product
This is what Pragma looks like.
Five modules. One system. Designed for Bahraini operations.
pragma.bh / accounting
Financial Overview
June 2026
Bahrain · BHD
Outstanding Invoices
BD 36,600
42 open
Cashflow 30 days
BD 15,550
Positive
VAT Due 5 days
BD 1,830
Q2 return
Monthly CashflowJan — Jun
Vendor
Reference
Date
Amount
Status
BBK
INV-2041
10 Jun
BD 4,250.000
Paid
Tarabut
INV-2040
09 Jun
BD 1,120.500
Paid
EWA
BIL-3318
08 Jun
BD 862.300
Pending
Almoayyed Motors
INV-2038
06 Jun
BD 9,440.000
Pending
Tamkeen
GRN-1129
04 Jun
BD 2,800.000
Paid
pragma.bh / hr
People
Staff Directory
26 active employees
GOSICompliant
WPSFiled · Jun
Bahrainization38%
Name
Role
CPR / Passport
GOSI
Work Permit
AAAhmed Al Khalifa
Operations Manager
850412345
Active
12 Aug 2027
FJFatima Janahi
Senior Accountant
920611201
Active
—
RMRajesh Menon
Site Engineer
A6781923
Active
02 Jul 2026expiring
MSMaria Santos
HR Coordinator
B3210984
Active
19 Mar 2027
KBKhalid Buhazza
Sales Lead
880229811
Active
—
pragma.bh / crm
Sales
Pipeline · Q2
10 open deals · BD 183,050
New3
Gulf Air Cargo
BD 12,4002d
Seef Properties
BD 8,9004d
Awal Dairy
BD 5,2001d
Qualified2
Batelco Enterprise
BD 24,0007d
Nass Contracting
BD 18,30012d
Proposal3
Al Salam Bank
BD 42,0009d
Mumtalakat SME
BD 16,7505d
Tylos Shipping
BD 9,80014d
Won2
Tamkeen Partner
BD 31,500won
Daily Tribune
BD 14,200won
pragma.bh / operations
Operations
Active Projects
4 in progress
Project
PM
Progress
Due
Seef Tower Fit-out
AK
78%
28 Jun
Bahrain Bay Wiring
FJ
54%
10 Jul
Riffa Villa Phase 2
RM
32%
22 Jul
Almoayyed Showroom
MS
91%
18 Jun
Next 30 days
Jun 10Jun 20Jun 30Jul 10
Seef Tower
Bahrain Bay
Riffa Villa
Almoayyed
pragma.bh / inventory
Inventory
Asset Register
5 of 47 assets
Asset
Category
Serial
Purchased
Value
Condition
Status
Assigned To
Toyota Hilux 2024
Vehicle
MR0FR22G8R0123456
12 Mar 2024
BD 8,950
Excellent
Assigned
Ahmed Al Khalifa
MacBook Pro 14
Laptop
C02XL0NTJG5J
04 Jan 2025
BD 1,180
Good
Assigned
Fatima Janahi
iPhone 15 Pro
Phone
F2LZH9X4PL
22 Oct 2024
BD 520
Good
Available
—
Dell Latitude 7440
Laptop
7XJ2YH3
08 Aug 2023
BD 780
Fair
Assigned
Rajesh Menon
Nissan Patrol 2023
Vehicle
JN8AY2NCXP9554102
15 Nov 2023
BD 14,200
Excellent
Available
—
Connected by design
One workflow. Five modules. Zero retyping.
No more manual copying between systems. The whole chain runs itself.
In-country
Built in Bahrain. For Bahrain.
NBR VAT compliance in the exact format the regulator expects. Native LMRA and GOSI integration. AWS Bahrain region hosting so your data does not leave the Kingdom.
PDPL compliant by design. Arabic and English UI from day one, right-to-left where it should be. Built by a team that knows the difference between a CR and a commercial registration certificate.
The most affordable purpose-built ERP for the Bahraini SME, because the system that knows your country should not cost what one designed for someone else's country costs.
The Difference
Why Pragma over a generic ERP.
Generic ERPs
Pragma
Calculates VAT for fifteen countries you do not operate in.
NBR VAT format, exactly.
Export a CSV, reformat by hand, hope the bank accepts it.
WPS file generated in one click, in the exact bank format.
GOSI is a separate spreadsheet your accountant maintains.
GOSI calculated automatically against every payroll run.
LMRA permits tracked in someone's email inbox.
LMRA documents and expiry alerts inside the HR record.
Bahrainization ratio reviewed once a year, in a panic.
Bahrainization ratio visible every day, by location.
ESG reporting is a consultant's project.
ESG reporting for Bahrain Bourse and PIF, built in.
Arabic UI is an afterthought, half-translated.
Arabic and English from day one, RTL throughout.
By industry
Built for the Bahraini SME, one industry at a time.
A Bahraini restaurant runs on margins thin enough that one missed VAT return can hurt for a quarter. Pragma handles the parts that take time away from the kitchen and the floor: NBR VAT in the correct format every cycle, GOSI for the team without spreadsheets, WPS files generated for the bank, stock and procurement linked to the menu, and a daily cashflow view that does not depend on the accountant being in.
- VAT in NBR format
- GOSI auto-calc per staff member
- WPS files for any Bahrain bank
- Ingredient-level stock tracking
- Supplier ageing report
- Daily cashflow dashboard
- Work permit and visa tracking
- Menu profitability reporting
The Group
Backed by a Bahrain holding company building for the long term.
Pragma is a product of Noor Al Qallam Group W.L.L., a Bahrain-registered holding company building Gulf-focused technology products with a long-term view. Founded by Goutham Krishna, Director of Legal Affairs at the Daily Tribune Bahrain, and led technically by Adesh Patra as CTO. Pragma is being built specifically for Bahrain first, with GCC expansion to follow.
Security & reliability
Built with the seriousness your data deserves.
Bahrain region hosting
Pragma runs entirely on AWS me-south-1 in Bahrain. Your client data, payroll records, and financials never leave the Kingdom unless you choose to export them.
PDPL compliant by design
Built from day one to comply with Bahrain's Personal Data Protection Law. Per-tenant data isolation, audit logging on every action, and right-to-erasure handled cleanly.
Role-based access, no exceptions
Every user sees only what their role allows. Salaries hidden from accountants, client lists hidden from staff, full visibility for owners. Configurable per company.
Integrations
Pragma talks to the systems your business already uses.
Tarabut Gateway
Live bank feeds and reconciliation
NBR
VAT return generation in approved format
GOSI
Contribution calculation and filing
LMRA
Work permit and Bahrainization tracking
Tally Prime
Bidirectional bridge for existing books
WhatsApp Business
Approvals and weekly briefings
Resend
Transactional email at scale
Bahrain Bourse
ESG report export
Ready to run your Bahraini business on one workspace?
Let us show you what Pragma can do. Twenty minutes, your business, your questions.
No card required.No long signup.Real product, real conversation.