The Product
One ledger. Five modules. Every record connected.
Pragma is not five tools stitched together. It is one system designed around the way a Bahraini SME actually runs.
Module 01
Accounting & Finance
A double-entry general ledger with Bahrain VAT, multi-currency, and bank reconciliation built in. Statements that close on the first of the month, not the fifteenth.
- Double-entry general ledger with audit trail
- NBR-compliant VAT returns and supporting schedules
- Multi-currency BHD, USD, and beyond with daily FX
- Bank reconciliation with Tarabut open banking feeds
- Cashflow forecasting and Business Health Score
- Tally bridge for businesses migrating in
- Multi-entity consolidation for group companies
- Customisable chart of accounts per industry
Financial Overview
June 2026
Outstanding Invoices
BD 36,600
42 open
Cashflow 30 days
BD 15,550
Positive
VAT Due 5 days
BD 1,830
Q2 return
Module 02
HR & Payroll
Every employee record carries everything the regulator asks for, and the system does the maths the same way the regulator does.
- Payroll runs with GOSI auto-calculated
- WPS file generated in the exact bank format
- LMRA documents and work permit expiry alerts
- End-of-service indemnity always current
- Bahrainization ratio dashboard by location
- Leave, attendance, and timesheet tracking
- Employee self-service portal in Arabic and English
- Offer letters, contracts, and onboarding workflows
People
Staff Directory
Module 03
CRM & Sales
A pipeline that ends in an invoice and a journal entry, not a spreadsheet someone has to retype.
- Lead and opportunity pipeline with custom stages
- Quotation and proposal builder with templates
- Contract lifecycle with e-signature support
- Invoicing direct from won deals
- Customer ageing and collections workflows
- Activity timeline across calls, emails, and meetings
- Salesperson performance and commission tracking
- WhatsApp Business integration for customer comms
Sales
Pipeline · Q2
Gulf Air Cargo
Seef Properties
Awal Dairy
Batelco Enterprise
Nass Contracting
Al Salam Bank
Mumtalakat SME
Tylos Shipping
Tamkeen Partner
Daily Tribune
Module 04
Operations & Projects
For service businesses, contractors, and consultancies that need to know whether a job actually made money.
- Project and job costing with budgets
- Timesheets linked to payroll and billing
- Resource and capacity planning
- Milestone billing and retention handling
- Sub-contractor management and approvals
- Document control and version history
- Real-time project profitability dashboards
- Field-team mobile access
Operations
Active Projects
Module 05
Inventory & Procurement
Stock that ties back to the ledger by the second, not by the month-end count.
- Multi-location stock with serial and batch tracking
- Purchase orders, GRNs, and three-way match
- Landed cost allocation across shipments
- Supplier scorecards and lead-time tracking
- Reorder points, safety stock, and demand forecasts
- Stock transfers between branches
- Barcode and QR support
- Wastage and shrinkage reporting
Inventory