Notes on finance, systems and the Kingdom
What I have learned running finance and building the systems it runs on, written for founders, family groups and finance teams in Saudi and the GCC. No theory I have not used.
ZATCA Wave 25: the threshold just halved, and the deadline is 1 February 2027
ZATCA announced Wave 25 on 24 July 2026, cutting the e-invoicing integration threshold to SAR 187,500. What Phase 2 actually requires, what it costs to be late, and the failure modes I have watched teams hit.
ReadWhat a fractional CFO actually costs in Saudi Arabia
Nobody publishes a straight answer, so here is the arithmetic: what drives a fractional fee, what a full-time CFO really costs once GOSI and end of service are in, and how to compare them honestly.
ReadFractional, interim, or full-time CFO: which one do you actually need?
The three ways to buy senior finance leadership in Saudi Arabia, what each one costs you in practice, and the questions that tell you which one fits.
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