{
  "organization": "Tamem",
  "url": "https://tamem.co/",
  "updated": "2026-10-18",
  "pricing": "Quotation-based. No published prices.",
  "markets": {
    "primary": [
      "Saudi Arabia",
      "GCC"
    ],
    "secondary": [
      "Egypt"
    ]
  },
  "engagement_model": [
    {
      "stage": "Discovery",
      "duration": "2 weeks"
    },
    {
      "stage": "Engagement",
      "duration": "3 months"
    },
    {
      "stage": "Annual plan",
      "duration": "12 months"
    }
  ],
  "service_lines": [
    {
      "id": "cfo",
      "number": "01",
      "name": "CFO as a Service",
      "discipline": "Strategic planning",
      "tagline": "Finance leadership without a full-time hire.",
      "summary": "Team design, financial and strategic planning, governance, reporting and hands-on implementation. You get CFO-level judgment and the follow-through to put it into practice.",
      "best_for": "Companies that need CFO-level judgment before they can hire a CFO.",
      "url": "https://tamem.co/services#cfo",
      "quote_url": "https://tamem.co/contact#cfo",
      "services": [
        {
          "name": "Finance team design",
          "description": "The right team size, roles and finance org chart."
        },
        {
          "name": "Financial and strategic planning",
          "description": "A clear financial direction for the year ahead."
        },
        {
          "name": "Financial governance",
          "description": "Clear authority and approvals, with ownership kept separate from management."
        },
        {
          "name": "Management reporting",
          "description": "Reports and KPIs that leadership can act on."
        },
        {
          "name": "On-site support",
          "description": "Field visits and accountant placement when the work calls for it."
        },
        {
          "name": "Hands-on implementation",
          "description": "We put the plan into practice and answer for the results."
        }
      ]
    },
    {
      "id": "accounting",
      "number": "02",
      "name": "Accounting and Tax",
      "discipline": "Financial services",
      "tagline": "Accurate books and obligations met on time.",
      "summary": "Bookkeeping, reconciliations, financial statements, tax, zakat and payroll compliance, run on a fixed schedule so the founder no longer carries the books.",
      "best_for": "Every company, from the first invoice.",
      "url": "https://tamem.co/services#accounting",
      "quote_url": "https://tamem.co/contact#accounting",
      "services": [
        {
          "name": "Bookkeeping",
          "description": "Day-to-day recording and ongoing account follow-up."
        },
        {
          "name": "Bank reconciliations",
          "description": "Every account matched to the bank, period by period."
        },
        {
          "name": "Financial statements",
          "description": "Statements and periodic reports prepared on a fixed schedule."
        },
        {
          "name": "Account review",
          "description": "Accounts checked against local and international standards."
        },
        {
          "name": "Tax and zakat",
          "description": "Calculation, preparation and follow-through on every obligation."
        },
        {
          "name": "Payroll and statutory processes",
          "description": "Mudad and Iqama in Saudi Arabia, social insurance in Egypt."
        }
      ]
    },
    {
      "id": "planning",
      "number": "03",
      "name": "Financial Planning and Analysis",
      "discipline": "Strategic planning",
      "tagline": "Numbers that steer decisions, not just record them.",
      "summary": "Budgets, forecasts, cash flow, profitability, margin targets and marketing return, built so leaders can decide where money goes next.",
      "best_for": "Leaders making spending and growth decisions.",
      "url": "https://tamem.co/services#planning",
      "quote_url": "https://tamem.co/contact#planning",
      "services": [
        {
          "name": "Budgets and forecasts",
          "description": "Annual budgets and rolling financial forecasts."
        },
        {
          "name": "Cash flow and liquidity",
          "description": "Cash managed so the business never runs short."
        },
        {
          "name": "Profitability analysis",
          "description": "Revenue, cost and margin analysis by product and activity."
        },
        {
          "name": "Margin targets",
          "description": "Gross and net margin targets set for your business model."
        },
        {
          "name": "Marketing and sales spend",
          "description": "How much to spend, and the return it brings back."
        },
        {
          "name": "Decision support",
          "description": "Financial input on financing and investment choices."
        }
      ]
    },
    {
      "id": "valuation",
      "number": "04",
      "name": "Valuation and Funding Readiness",
      "discipline": "Financial services",
      "tagline": "Ready before the investor conversation starts.",
      "summary": "Fair value, valuation reports and due diligence preparation, so your financial story stands up to questions at any stage from pre-seed onward.",
      "best_for": "Startups and SMEs heading into a raise, a sale or a new partner.",
      "url": "https://tamem.co/services#valuation",
      "quote_url": "https://tamem.co/contact#valuation",
      "services": [
        {
          "name": "Investment readiness plan",
          "description": "A financial plan that prepares startups and SMEs for funding rounds."
        },
        {
          "name": "Performance analysis",
          "description": "Financial statements and operating performance, read the way investors read them."
        },
        {
          "name": "Fair value",
          "description": "An evidence-based fair value for the company."
        },
        {
          "name": "Asset and cash flow valuation",
          "description": "Assets, liabilities and cash flows valued in detail."
        },
        {
          "name": "Valuation reports",
          "description": "Reports that support a sale, an acquisition or a new partner's entry."
        },
        {
          "name": "Due diligence preparation",
          "description": "Financial records ready for review at any stage, from pre-seed onward."
        }
      ]
    },
    {
      "id": "partnerships",
      "number": "05",
      "name": "Partnerships and Contracts",
      "discipline": "Financial services",
      "tagline": "Clear terms between partners, before they are tested.",
      "summary": "Partnership agreements, decision rules, partner matching and contract review, so roles, shares and decisions are agreed before they cause disputes.",
      "best_for": "Companies with more than one partner, or looking for one.",
      "url": "https://tamem.co/services#partnerships",
      "quote_url": "https://tamem.co/contact#partnerships",
      "services": [
        {
          "name": "Partnership agreements",
          "description": "Each partner's role, responsibilities and share, written down clearly."
        },
        {
          "name": "Decision rules",
          "description": "How decisions get made, agreed upfront to prevent disputes."
        },
        {
          "name": "Strategic partner matching",
          "description": "The right partners connected after studying business fit and shared goals."
        },
        {
          "name": "Contract review",
          "description": "Agreements reviewed on financial, legal and sharia terms."
        }
      ]
    },
    {
      "id": "assurance",
      "number": "06",
      "name": "Audit and Assurance",
      "discipline": "Audit and assurance",
      "tagline": "Controls you can rely on, and records ready for any review.",
      "summary": "Internal audit, controls design, compliance checks and external audit preparation. Licensed external auditors issue statutory audit opinions. We make sure your records are ready for them.",
      "best_for": "Companies preparing for a statutory audit, a funding round, or a board that wants independent assurance.",
      "url": "https://tamem.co/services#assurance",
      "quote_url": "https://tamem.co/contact#assurance",
      "services": [
        {
          "name": "Internal audit",
          "description": "Risk-based reviews of processes, records and controls, with findings ranked by priority."
        },
        {
          "name": "Internal controls design",
          "description": "Approval limits, segregation of duties and control checklists sized to your company."
        },
        {
          "name": "External audit preparation",
          "description": "Books, schedules and supporting documents ready for your statutory auditor."
        },
        {
          "name": "Compliance health check",
          "description": "Tax, zakat, VAT and payroll obligations checked for gaps before deadlines."
        },
        {
          "name": "Policies and procedures",
          "description": "Finance manuals that set out how money is approved, spent and recorded."
        }
      ]
    }
  ],
  "products": [
    {
      "id": "agent",
      "name": "Tamem Agent",
      "model": "Agent-as-a-Service",
      "billing": "Monthly retainer per company, quoted",
      "hosting": "Dedicated deployment per company on Tamem servers",
      "human_review": "Every output is a draft until a named reviewer approves it",
      "capabilities": [
        {
          "name": "Bookkeeping entries",
          "description": "Records transactions and proposes categories from invoices, receipts and bank lines.",
          "related_line": "Accounting and Tax"
        },
        {
          "name": "Bank reconciliation",
          "description": "Matches bank lines to the ledger and flags every item that does not match.",
          "related_line": "Accounting and Tax"
        },
        {
          "name": "Invoices and payables",
          "description": "Reads supplier invoices, checks them against what was ordered and queues them for approval.",
          "related_line": "Accounting and Tax"
        },
        {
          "name": "Month-end close",
          "description": "Runs the close checklist, drafts accruals and tracks which documents are still missing.",
          "related_line": "Accounting and Tax"
        },
        {
          "name": "Management reports",
          "description": "Drafts monthly statements and KPI packs in the format your leadership already reads.",
          "related_line": "CFO as a Service"
        },
        {
          "name": "Cash flow forecasting",
          "description": "Rolls the cash forecast forward with actual collections and payments each week.",
          "related_line": "Financial Planning and Analysis"
        },
        {
          "name": "Tax, zakat and VAT schedules",
          "description": "Prepares working schedules with every figure linked to its source document.",
          "related_line": "Accounting and Tax"
        },
        {
          "name": "Budget versus actual",
          "description": "Compares spending to budget and explains the largest variances in plain language.",
          "related_line": "Financial Planning and Analysis"
        }
      ],
      "url": "https://tamem.co/agent",
      "quote_url": "https://tamem.co/contact#agent"
    }
  ],
  "contact": {
    "form": "https://tamem.co/contact",
    "email": "hello@tamem.co",
    "form_fields": [
      "needs[]",
      "company",
      "country",
      "stage",
      "team",
      "setup",
      "name",
      "role",
      "email",
      "phone",
      "message"
    ]
  },
  "disclaimers": [
    "Tamem does not issue statutory audit opinions; licensed external auditors do.",
    "Tamem Agent prepares drafts; it does not approve, file or pay anything on its own."
  ]
}