The Product

One ledger. Five ERP 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

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

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

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

—

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

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

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

pragma.bh / operations

Operations

Active Projects

4 in progress

Project

Progress

Due

Seef Tower Fit-out

78%

28 Jun

Bahrain Bay Wiring

54%

10 Jul

Riffa Villa Phase 2

32%

22 Jul

Almoayyed Showroom

91%

18 Jun

Next 30 days

Jun 10Jun 20Jun 30Jul 10

Seef Tower

Bahrain Bay

Riffa Villa

Almoayyed

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

pragma.bh / inventory

Inventory

Asset Register

5 of 47 assets

Asset

AI-assisted hiring

From an open role to a signed, onboarded employee, without the spreadsheet in between.

Define the role once
AI finds candidates
CVs saved and ranked in a searchable talent pool
Contract generated from your approved templates
Onboarding checklist created automatically: documents, accounts, first tasks

HR and hiring in Bahrain

1Role defined
2Candidates found
3CVs ranked
4Contract
5Onboarding

Sample data for illustration.

Feature

Payroll

Payroll that already knows Bahrain, and posts itself to the books.

WPS file ready to upload
GOSI with separate Bahraini and expatriate rates
Leave requests flow straight into pay
Loans and advances with automatic instalment deductions
Payslips with employee history
Payroll journals posted to accounting with no re-entry

Payroll software for Bahrain

Employee	Type	GOSI	Net
Ahmed Al Khalifa	Bahraini	BD 84.000	BD 1,116.000
Rajesh Menon	Expatriate	BD 9.000	BD 641.000
Fatima Janahi	Bahraini	BD 70.000	BD 930.000

Sample data for illustration.

Feature

Documents and discipline

Expiries caught early, and rules applied the same way to everyone.

Work permits, visas, CPRs and contracts tracked with alerts well before expiry
Attendance rules you define, late or absent, applied consistently
Warning letters generated and filed automatically

HR software for Bahrain

HR keeps a human in the loop: letters can send automatically or wait for approval.

Document	Holder	Expires
Work permit	Rajesh Kumar	17 days
CPR	Sara Ali	142 days
Visa	John Mathew	96 days

Sample data for illustration.

Feature

Project management by chat

Assign work in a sentence. Every task stays linked to the client, the invoice and the people.

To do, In progress and Done board
"Assign the audit prep to Ravi, due Friday."
Tasks linked to clients, invoices and staff records

Projects for professional services

To do

VAT schedule

Client onboarding

In progress

Audit prep, Ravi

Done

September close

Sample data for illustration.

Feature

CRM

One pipeline, one history per customer, and a won deal that sets the rest in motion.

Lead, Qualified, Proposal, Negotiation, Won
Activity history per customer
A won deal can create the project, the invoice and the stock movement

ERP software for Bahrain

1Lead
2Qualified
3Proposal
4Negotiation
5Won

Sample data for illustration.

Feature

Inventory

Stock and the ledger move together, at the same moment.

Every sale, purchase and adjustment moves stock and posts to the ledger at once
Variants and units
Multiple locations and transfers
Reorder alerts that draft a purchase order for approval
Stock valuation in the ledger

Inventory for automotive businesses

Item	Location	On hand	Status
A4 paper, box	Sitra	12	Reorder
Toner, black	Manama	40	OK
Safety boots, 42	Sitra	18	OK

Sample data for illustration.

Feature

Sales and invoicing

From quote to reconciled payment, in one chain.

Quote, Order, Invoice, Collection, Reconciled
Branded bilingual English and Arabic documents
Recurring billing for retainers and subscriptions

VAT and invoicing for Bahrain

1Quote
2Order
3Invoice
4Collection
5Reconciled

Sample data for illustration.

Feature

Accounting

Double-entry by design. Every transaction balances, or it does not post.

Posted entries are permanent; corrections are made by new entries, so the audit trail stays intact
BHD to three decimals, with multi-currency
Trial balance, P&L and balance sheet on demand

Accounting software for Bahrain

Account	Debit	Credit
Bank, BBK	BD 1,250.000
Accounts receivable		BD 1,250.000
Total	BD 1,250.000	BD 1,250.000

Sample data for illustration.

See it for yourself

A thirty-minute walkthrough against your workflow.

Book a Demo