Financial Planning & Analysis

Financial planning for UAE SMEs
not guesswork.

A UAE financial plan has to carry the tax calendar. Corporate tax is 9% on taxable income above AED 375,000, the return is due 9 months after your financial year ends, and VAT returns fall due 28 days after each tax period. We build the budget, the cash flow forecast and the monthly KPI report that tell you those amounts before the dates arrive, for cafés, clinics and trading companies.

200+ UAE SMEs trust us
Serving Abu Dhabi, Dubai, Sharjah & all Emirates
Specialists in F&B, clinics, trading & startups

What Our Clients Say

Trusted by 200+ businesses across the UAE

“We have been with Ratio for three years and have always found them to be efficient and capable, especially Amaan! Thank you for all your hard work!”

JM

Julie MciLvenny

“We've just opened a new Restaurant. Our previous accounting team were okay but complicated things. Ratio have not only simplified our accounting but also helped us understand our numbers better.”

ML

Mohamed L

“Very professional team with rich experience. They took great care of our accounting work. Excellent management reports and financial insights.”

MA

Mohamed Alsuwaidi

“Extremely professional! All the details were taken in mind, everything was scheduled on time, and at the end I received exactly what was promised.”

SK

Saoud Alkaabi

“As the owner of medium-sized enterprise, the maintenance of accurate, updated, audited accounts is extremely important. Ratio has been exceptional in this regard.”

MB

Mohamed Badawy

“The Ratio team is a highly professional and competent team that ensures they take care of the financials to allow the business to focus on the core operational aspects.”

AH

Ahmed Alhammadi

The offer

What you get each month

Four reports: variance, cash forecast, KPIs, scenarios

Budget vs actual, monthly

Variance on every line, with the reason

You see where you sit against plan, which lines moved, and what caused the movement.

Cash forecast 3-6 months out

You see the low point before you reach it

Rolling projection of collections, payables, payroll, VAT and corporate tax payments.

KPIs built on your drivers

Table turns, patient volumes, inventory cycles

Dashboards covering revenue, gross margin, burn rate and the operating metrics for your sector.

Scenario testing before you commit

Models built on UAE tax and cost rules

Test a price change, a new site or a hiring plan against corporate tax at 9% on taxable income above AED 375,000.

What financial planning includes

Eight deliverables, in a fixed format, so one month compares to the next

  • Annual budget and rolling forecast
  • Cash flow projection, 3-6 months forward, updated monthly
  • KPI dashboards, rebuilt with each month-end close
  • Budget-to-actual variance analysis, line by line
  • Scenario and sensitivity analysis
  • Working capital review: stock, debtors, creditors
  • Profitability analysis by product, service, or location
  • Financial models for expansion decisions

Where your reports live: Ratio Volt

Your KPI dashboards, budget-vs-actual reports and cash forecasts sit in Ratio Volt. Log in and read them. You do not have to ask us for a copy.

Frequently Asked Questions

Why choose Ratio for Financial Planning in UAE?

Ratio delivers a budget, a cash flow forecast and a KPI report every month, with UAE tax dates built into the calendar: VAT returns fall due 28 days after each tax period and corporate tax returns 9 months after your financial year ends. We work with 200+ SMEs across Abu Dhabi, Dubai and Sharjah, mostly F&B, clinics and trading.

How does Ratio support SMEs, cafés, clinics, and trading companies?

We build the model around the drivers of your sector: table turns for restaurants, patient volumes for clinics, inventory cycles for trading. Each KPI dashboard reports those drivers alongside revenue, gross margin and cash.

What makes Ratio different from other UAE consulting firms?

We execute rather than advise. Monthly budgets, cash flow forecasts and KPI reports are delivered on schedule and stay visible to you in Ratio Volt.

Know your numbers monthly.

Book a call. We will go through your current reporting and tell you what is missing.

Book Your Consultation