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ROADMAPFrom accounting firm to finance platform →

Accurate numbers.
On time. Every time.

Since 2012, more than 270 companies have trusted APEX with their accounting, tax and audit. A partner-led firm that uses technology to check every file and deliver on time.

Since 2012 in Beirut Partner-led IFRS and Lebanese tax law
2012Founded in Beirut
270+Clients served
100+Audits every year
50+Sectors served
APEX monthly report · sample
Sample company S.A.L. · USD

Your October numbers.

Q3OctYTD
Cash in bank$248,310▲ 6.2% vs Sep
Revenue$182,940▲ 11.8%
Net profit$31,205▼ 2.1%
Revenue and profit MAY → OCT
This month CLOSE
  • Bank reconciliation DONE
  • VAT 11% control PASSED
  • NSSF declaration DUE 15 NOV
  • Salaries tax FILED
  • Monthly P&L IN REVIEW
Email · 09:14

12 documents received and booked. One invoice is missing a VAT number.

VAT return ready

1,284 entries checked against your VAT accounts.

Deadline reminder

NSSF declaration due 15 Nov. APEX prepares and files it for you.

Our clients

Trusted by more than 270 clients.

Since 2012, more than 270 companies across Lebanon and the region have relied on APEX for their accounting, tax and audit. A few of them:

  • Maliks
  • Abed Tahan
  • AFP
  • Mount Lebanon Hospital
  • Hôpital Serhal
  • United Petroleum
  • Philip Morris International
  • Stop & Shop
  • Data Quest
  • Lebanese German University
  • Deutsche Schule Jounieh
  • MikeSport
  • Global Foods
  • General Paints
  • Pharmamed
  • CTServ
  • Maroun Chedid
  • Depeche Mode
  • Maria Pino
  • Eldorado
  • Doculand
  • Colibri Hotel
  • Step Ahead
  • Sage and Savvy
  • The Backyard
  • Le 43
  • Artists & More
  • Hospitals and clinics
  • Retail and supermarkets
  • Real estate and contracting
  • Manufacturing
  • Trading and distribution
  • Schools and universities
  • Hotels and restaurants
  • Ports and logistics
  • Petroleum

Clients in Lebanon, Iraq, Armenia, Cyprus and the UAE.

Sound familiar?

Most clients come to us after one of these.

01

Mistakes from a previous accountant

02

Tax fines and late filings

03

Messy books before an audit

04

Numbers the owner cannot read

05

A finance team that cannot handle the load

APEX takes it off your plate.This is what clients thank us for most.
  • Every deadline met
  • Errors caught before they cost you
  • No more fines
  • Numbers explained in plain words
  • A partner you can always reach
About APEX

Trusted by word of mouth, built for what comes next.

APEX Finance has served Lebanese companies since 2012. We keep their books, file their taxes and NSSF, prepare their financial statements and sign their audits.

Almost all of our clients came through other clients. Our reputation rests on two things: work done right, and work done on time.

We serve more than 270 clients: corporations, partnerships and limited liability companies in more than 50 sectors, from hospitals and supermarket chains to manufacturers, schools, hotels and offshore companies, in Lebanon and abroad.

Today we are turning that experience into technology: automated controls on every file, faster reporting and, step by step, a finance platform for Lebanese businesses.

Partner-ledA partner is involved in every file.
Automated checksControls run on every file, every month.
One firmAccounting, tax and audit under one roof.
Leadership
RK
Raoul KaramPartner and auditor of recordSigns APEX audit reports and leads the audit practice.
GK
Ghady KaramFounderLeads client advisory and APEX's move into financial technology.

Supported by a team of Certified Public Accountants, auditors and financial consultants.

Mission

The highest quality audit, accounting and advisory.

Delivered on time, efficiently and with new ideas, by professionals who aim to exceed what clients expect. Clear, regular communication with our clients has been a mark of the firm since day one.

Vision

A leading audit and advisory firm, in the region and beyond.

APEX will stay the firm where personal attention never goes out of date. We take the time to understand each client's business, stay involved, and build a lasting relationship.

01Professional excellence

Qualified, experienced people focused on quality and on delivering on time.

02Integrity

Honesty and ethics first, in every file and every decision.

03Responsibility

We own our work and carry it out to the best of our ability, within the agreed time.

04Teamwork

Unity is strength. A team that shares the work multiplies the result.

What you get

Everything finance, in one place.

Send your documents. We do the rest.

Email your invoices, receipts and bank statements, scanned or as ERP exports. Each one is read, booked and filed, and you hear back if anything is missing.

October supplier invoices (12 files)09:12
Received and booked. VAT 11% matched on 11 of 12. Invoice 4471 has no VAT number, please send a corrected copy.09:14 · APEX

Never miss a deadline

Tax and NSSF dates tracked for you.

NSSF declaration15 Nov
VAT return Q420 Jan
Salaries tax31 Jan

VAT 11% control, every month

Every entry matched to the right VAT account before the return is filed.

  • 1,284 entries checked
  • 3 flagged for review
  • 0 late filings

Your documents, organised

Invoices, contracts and reports filed by month and searchable.

PDFP&L Oct 2026
XLSXVAT control Q3
PDFNSSF receipt
PDFAudit report 2025
IMGInvoice 4471
XLSXPayroll Oct
How it works

Simple to start. Easy to stay.

  1. 01

    Get in touch

    Email or call us. We learn about your company, your systems and what you need.

  2. 02

    Fixed quote

    A clear monthly fee, in writing. No hourly surprises.

  3. 03

    Onboarding

    We take over your books, clean up the past months and connect your intake channels.

  4. 04

    Monthly rhythm

    Reports on a fixed date, filings on time, and a team you can reach directly.

Services

The full finance cycle.

Take one service or all of them. One team, one file, no gaps.

Audit and assurance

External and internal audit to current standards. We find the gaps and show you how to manage your resources better.

  • Statutory audit and IFRS financial statements
  • Internal audit and limited-scope reviews
  • Board report for SAL companies
  • Financial, tax, legal, IT and HR due diligence

Accounting and reporting

Books kept to global standards, and the systems behind them designed to grow with you.

  • Bookkeeping in your ERP or ours
  • Monthly P&L and management reports
  • Accounting system design and implementation
  • ERP import files for CTS, Omega and SAGE

Tax and NSSF

Tax strategies built on deep knowledge of Lebanese regulation, and every filing on time.

  • Corporate and individual taxation
  • VAT returns with a full 11% control
  • Salaries tax and NSSF declarations
  • Tax planning and structuring

Financial advisory

Numbers for the decisions that shape the company, for start-ups and established groups alike.

  • Feasibility studies and project reports
  • Capital budgeting, financing and working capital
  • Valuation, mergers and acquisitions
  • Restructuring and revival of companies

Technology risk advisory

Your systems are part of your finance. We help you choose, govern and secure them.

  • IT audits, process and controls improvement
  • ERP selection and program management
  • IT governance, policies and business continuity
  • Data analytics
Document intake

Send it your way. We take it from there.

Use the channel that suits you. Every document goes through the same checked process.

LIVE

Email

Send invoices, receipts and bank statements to APEX by email. Scans, PDFs and photos all work, in English or Arabic.

LIVE

Shared folder

Drop files into your own shared folder. We pick them up, file them by month and tell you if anything is missing.

LIVE

ERP exports

Send exports from CTS, Omega, SAGE or your own system. We build the import files so nothing is typed twice.

COMING SOON

WhatsApp

A dedicated APEX WhatsApp number. Snap a photo of an invoice or receipt and it is read and booked for you.

What happens to every document

  1. 01Received

    Every file is logged the moment it arrives.

  2. 02Read and sorted

    AI reads each document and routes it to the right client, period and task.

  3. 03Booked and checked

    Entries are booked and automated controls run: VAT 11%, trial balance, reconciliations.

  4. 04Reviewed

    An APEX accountant reviews the work. A partner signs off on reports and audits.

  5. 05Delivered

    Reports, filings and reminders reach you by email, on a fixed date.

Where we are going

Building Lebanon's finance platform.

APEX is becoming a fintech company. Here is what is live and what comes next.

TODAYLIVE

Automated controls

VAT, trial balance and reconciliation checks on client files every month, plus tax deadline reminders.

NEXTIN PROGRESS

WhatsApp intake

A dedicated APEX WhatsApp number: send a photo of an invoice and it is booked for you.

LATERPLANNED

Ask APEX and e-invoicing

Plain-language answers from your books, and e-invoicing ready for new rules in the region.

FAQ

Good questions.

Anything else, just contact us.

Do you work with my current ERP?

Yes. We work in CTS, Omega, SAGE and most systems used in Lebanon, or we keep the books in ours. We also build import files so nothing is typed twice.

How do I send you documents?

By email or a shared folder: scanned invoices, receipts, bank statements or ERP exports. We book them and tell you if anything is missing. WhatsApp intake is coming next.

What does it cost?

A fixed monthly fee based on your number of entries and entities. You get a written quote once we understand your needs.

Do you work with companies outside Lebanon?

Yes. Besides Lebanese companies, we serve clients in Iraq, Armenia, Cyprus and the United States, and offshore companies.

Get started

Let's look at your numbers together.

Email, call or visit us. You get a clear monthly quote, in writing.