Your questions, answered plainly

Software your company subscribes to. You connect or upload your receivables and payables ledger, and the engine gives you back an analysis of your own ledger and your own counterparties: a score for every customer and supplier with its reasons, the status of every invoice after the checks, payment behaviour, concentration, and what changed since last time. It supports your decision and never takes it for you.

Companies that buy or sell on credit and want to read the risk in their receivables and payables, from small and mid-size businesses to large groups. And financial institutions that want to read their own portfolio, with data their clients provide with their consent.

A credit information report tells you what lenders have reported about a company. The engine tells you what your own ledger says about how that company deals with you: how it pays, how late it runs, and how much of your exposure sits with it. Two different questions. The engine is not a credit information service and doesn't try to be one.

Every customer and supplier gets a score from 0 to 100 and a word you understand at a glance: Strong, Sound, Moderate, Weak or Needs attention. Under it are the reasons that moved it up or down, line by line, so anyone on your team can see what is behind it.

No, and that's deliberate. The engine never produces a credit limit, a percentage, or an approve or decline. It gives you the score, the reasons and the evidence behind them, and your team or credit committee decides on its own authority. Analysis for you; the decision is your team's.

With a reading of their own. When a government body pays late, that is usually timing tied to the approval cycle, not default. So the engine reads the delay as timing, shows the government share of your ledger on its own, and doesn't mark it down like a company that won't pay.

Customer, supplier and sector reports, in Arabic and English. PDF reports come with every tier, and Excel reports with Professional and above.

Your receivables and payables ledger: invoices, credit notes, payments and their dates, and the counterparty on each one. E-invoice files add the stamp check. The engine needs no bank login and no access to your accounts.

Your data, its processing and its backups all stay inside Saudi Arabia. Every client is isolated from every other in the database, and sign-in uses multi-factor authentication. The trust page has the details.

You and the people on your team you give access to, and a small number of Fkah staff who run the service. Your ledger is read for you alone: never merged with other clients' data, never used to score another company, never sold, and nothing derived from it is shown to anyone else.

No. No AI model reads your files. The reading follows fixed rules, and PDF financial statements are read deterministically and reviewed by a person.

That's normal: duplicate counterparties, different names for the same company, payments that don't match an invoice. The engine doesn't hide it. The integrity checks show you what it couldn't read, and what's missing shows as missing, never filled in with a guess.

Yes. When you upload e-invoice files (XML), the engine checks the stamp and hash chain on our side, with no live connection to ZATCA. The stamp proves the document is authentic and the seller's sequence is intact, but not that the invoice hasn't been presented elsewhere.

Yes. Your ledger is yours and you can export it whenever you like. When the subscription ends we delete your data and give you a deletion certificate, under the Personal Data Protection Law.

A subscription, by the package you choose and its tier. The package sets what you read: receivables, payables, both, or both with external assessments. The tier sets the size of your work: Starter, Professional or Enterprise. For details, contact the team.

There are connectors for Microsoft Dynamics 365, Odoo, Zoho Books, QuickBooks, Xero and SAP Business One. They are in Beta today, validated with each client's first pulls. Connectors and the data pool come with every tier, and the integrations page has the details.

A file is enough to start: Excel, CSV or e-invoice files in the data pool. Connectors keep your data updated without anyone exporting anything. None of these gives the engine access to your bank.

Yes. The ingestion API comes with Professional and above, with scoped keys, so your systems can send the data directly.

In the fourth package: Wathq from the Ministry of Commerce gives you your counterparties' commercial registration status, name and expiry, using your own Wathq subscription, and it is in Beta today. Ministry of Investment licence status for foreign-owned companies, and the Qawaem audited financial statements platform, are coming soon.

Yes. We start with a demo on a sample company's data, so you see how the score reads before any of your data goes in. After that we agree in writing on a trial on part of your ledger.

A programme we are setting up, coming soon. If you read your analysis and want an introduction to a licensed financial institution, you ask for it, with your written consent. Fkah doesn't lend, doesn't arrange finance and never shares your data without your consent, and the institution decides on its own authority and under its own licence.

A Saudi technology company, a limited liability company registered in Riyadh. Its commercial registration, with the unified national number anyone can check, is on the About page.

From the complaints page. You get a reference number the moment you submit, an acknowledgement within two working days, and a published date for the reply.