Bank statements in.
Financials out.

Ryze Books does exactly that. Upload a year of bank statements, answer a few plain-language questions, and you get a P&L, balance sheet and cash flow statement built from the actual transactions. No bookkeeper, no prior records and no accounting software needed. Free during launch, or $250 to have a Ryze accountant review the numbers and walk you through them on a call. Ryze Books is built by Ryze, an accounting and finance firm based in Dubai.

For the financials: just your bank statements, PDF or CSV, exported from your bank's portal. If you add the tax estimate, also bring a CSV or Excel file listing all the invoices you billed (date, amount, customer, country, what it was for), a contacts list, and your expenses. Actual bills are best, though a listing file works if you're confident in the numbers. If a month is missing we'll tell you exactly which one.

Ryze Books is built for UAE VAT and Corporate Tax, and also supports Canada and the US. The optional VAT estimate covers the UAE. If your country isn't supported yet, you can leave your email and we'll let you know when it is.

Both. Most small businesses use cash basis, which needs nothing extra. If you run accrual, you'll enter your open receivables and payables during setup.

Draft year-end financials: a Profit & Loss statement, Balance Sheet, and Cash Flow statement, plus your full categorized ledger as CSV and a Xero-compatible import file. With the tax estimate: a per-period worksheet, a line-by-line audit trail, and a plain-language summary.

Yes. Whatever you upload, you remain legally responsible for keeping the underlying documents: 5+ years in the UAE, 6 years in Canada. Our estimate works from the data you give us; it doesn't replace your records.

The statements are generated from your bank data and your answers, and carry a draft watermark until an accountant has reviewed them. If you want that done for you, the Reviewed version includes a line-by-line review and a call.

A session lasts 14 days from the moment you start it, which is enough to upload, answer, and download without rushing. Whenever the next step is on us, the clock pauses. It doesn't reset with activity, so finish within the window or start fresh.

Your session is private to you: access is a single secret link that only you hold, and it expires after 14 days. We never ask for your bank login.

Your Profit & Loss, Balance Sheet and Cash Flow statement as an Excel workbook, your categorized general ledger as a CSV file, and a Xero-compatible import file.

If a month is missing, we tell you exactly which one. If whole accounts or long stretches are missing, the statements will show gaps and we flag them rather than guess. For a year with real holes in it, the done-for-you route is the better fit.