01
Building Material Distribution
Before
Loss-making
After
Turned around, now profitable.
VIRTUAL CFO · SAUDI ARABIA
Virtual CFO for growing businesses in Saudi Arabia.
CFO-level thinking that every business deserves: an experienced CFO working with you on a fractional basis, with a clear view of cash, margin, cost and growth, and twenty years of Saudi experience behind it.
Three seats. Different responsibilities.
What a CFO really adds value
01 / Bookkeeper
Records what happened
- — Invoices and payments posted
- — Bank reconciled
- — VAT and e-invoicing filed
02 / Accounts Team
Reports it and keeps you compliant
- — Month-end close and management accounts
- — Financial statements and audit
- — Zakat and IFRS handled
03 / CFO
Navigates the strategy with you
- Sets the plan and keeps cash visible 13 weeks ahead
- Manages growth, margin, pricing and cost structure
- Owns bank, financing and investor relationships
- Works hand-in-hand with the CEO when decisions are taken
Saudi business experience
Proven case studies
02
Steel-Related Manufacturing
Before
Needed internal restructuring
After
Profits in the millions when the market grew.
03
Agricultural Chemicals
Before
Demand falling
After
Right-sized, now profitable.
04
Building Materials
Before
Needed internal restructuring
After
Turned profitable as the market grew.
05
Chemical Manufacturing
Before
Over-built for current volume
After
Right-sized, new product launched, set for profit.
06
Virtual Finance Team Setup
Outcome
Built an offshore/virtual finance team operation that saved significant costs and accelerated reporting.
~20
years in Saudi Arabia
12
years leading group finance
150+
companies advised on IFRS
5
years in audit at EY
One-time assignments
If you have a one-time problem to fix
These are the specific areas where I have most often been brought in to fix something concrete. A clear scope, a defined timeline, practical action. If your problem isn't on the list, tell us anyway.
- Cash flow forecast
A 13-week view of cash and the actions needed now.
- Pricing & margin review
Find where profits leak and where pricing can improve.
- Cost & business restructuring
Align your cost structure with current demand.
- Budget & growth plan
Test the numbers behind your next stage of growth.
- Bank facility preparation
Prepare forecasts and financial packs for funding discussions.
- Reporting & month-end reset
Get management accounts and decision-ready reporting in order.
- Compliance & audit readiness
Resolve gaps in ZATCA, VAT, Zakat and IFRS readiness.
- Virtual finance team setup
Structure an offshore team and streamline reporting workflows.
Ongoing partnership
Monthly CFO support
A CFO working alongside you and your leadership team, month after month — the strategic finance leadership a growing company needs, without a full-time CFO's cost.
Finance strategy for the next 12–24 months
Turn your business plan into a costed roadmap: targets, milestones, funding needs and the decisions that unlock each stage.
Cash, margin and cost command
A rolling 13-week cash view, a clear read on where margin is won or lost, and early warning before a problem reaches the bank.
Growth, pricing and investment decisions
Test the numbers behind expansion, new markets, new products, acquisitions and capital spend before you commit.
Banking, financing and investor relationships
Own the lender conversation: structure the facility, prepare the financial pack, negotiate terms, and keep investors informed.
Board-grade reporting and KPIs
Monthly management packs and a small set of KPIs that you, your board and your partners can act on.
Risk, controls and compliance oversight
Keep your ZATCA, VAT, Zakat, IFRS and audit position in order, with the risks that could hurt the business surfaced early.
Finance team leadership and AI enablement
Structure, coach and lead your finance function, with AI applied to reporting and workflows so your team moves faster.
A CFO in the room when decisions are taken
Regular working sessions with you and your leadership team, present at the moments that actually matter.
About
Aabid Nezam
Almost two decades in Saudi Arabia, from auditing companies to sitting beside the CEO who runs one.
Virtual CFO · Saudi Arabia
After all those years inside one group, I've seen how much a CEO gains from a finance head who thinks like a partner in the business. Most growing companies in the Kingdom never get that. They have accountants who record the past, but nobody who helps the owner decide what to do next. I want to change that.
Ernst & Young, Al Khobar
Five years in audit, across a wide range of Saudi businesses.
Group Finance Leadership
Twelve years leading finance for a group, on the senior management team and working directly with the CEO and Board.
Signity Consultancy WLL, founded 2018
Advised more than 150 companies on IFRS and actuarial valuation.
Virtual CFO
Bringing group-level finance leadership to the CEOs of growing Saudi companies.
Let's see where a CFO would make the biggest difference.
In 20 minutes we'll look at where your finance function is today and whether a Virtual CFO is the right next step. No obligation.