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XO Books

A real-time ledger that stays balanced — from the first invoice to a consolidated, multi-company close, with ZATCA e-invoicing built in.

The ledger

General Ledger Set up your chart of accounts, post journal entries, and keep a real-time, always-balanced ledger in XO Books.

Banking

Banking & Reconciliation Connect bank and cash accounts, import statements, automate classification with bank rules, and reconcile in minutes.

Invoicing

Invoicing & E-Invoicing Create sales, purchase, and recurring invoices, stay ZATCA Phase 2 (Fatoora) compliant, and get paid faster — free in XO Lite.

Expenses

Expenses & Claims Capture spend, run employee expense claims and custody, route approvals, and push reimbursements straight to payroll.

Assets

Fixed Assets & Depreciation Register fixed assets, run automatic depreciation schedules, and handle improvements, transfers, and disposals — all posted to the ledger.

Budgets

Budgets & Forecasting Build budgets by account and dimension, track budget-vs-actual in real time, and forecast revenue, cash, and demand.

Tax

Tax & ZATCA Compliance Configure VAT, connect to ZATCA Fatoora for Phase 2 e-invoicing, handle withholding and Zakat, and file accurate VAT returns.

Consolidation

Multi-Company Consolidation Run multiple companies in one XO, eliminate intercompany activity, translate currencies, and produce consolidated group statements.