balanzio is cloud accounting software for small and growing businesses in the UAE. Staff with no finance background record sales, expenses and receipts through simple Money In and Money Out forms, while owners and approvers review every entry before it posts to a double-entry ledger. The software produces tax invoices with VAT, bills, bank reconciliations, inventory and fixed asset records, and full financial statements including profit and loss, statement of financial position and cash flow, with export to Excel. Country packs set tax rules and defaults for each organization, and multi-currency entries convert at the transaction date rate.