Company information

Manage the company profile, documents, requests, and risk assessment

🏢

Al-Rowad Trading & Contracting Co.

📍 King Fahd Rd, Al Olaya, Riyadh 12211, Saudi Arabia

Credit limit

SAR 2,500,000

CR number

1010384756

Verification status

Verified

🗓 Created on: 14 Mar 2025

🗓 Last updated: 30 Jun 2026

Assign users

Manage the Mala team members responsible for Al-Rowad Trading & Contracting Co.

SO Sara Al-Otaibi FH Faisal Al-Harbi Select users…

Assigned users · 3 assigned

Sara Al-Otaibi

sara@trymala.com

Risk Analyst

Faisal Al-Harbi

faisal@trymala.com

Account Manager

Noura Al-Mutairi

noura@trymala.com

Onboarding

📄 Documents 6

🧾 PNPL requests 4

🔁 Transactions 12

💳 Payments 9

🎯 Risk assessment 4

🏭 Industries 3

📄

Documents

Files submitted by the company for verification & assessment

Document type	Submitted	Users	Comments	Status	Actions
Commercial registration	12 Mar 2025	S. Al-Otaibi	—	Approved	⋯
Audited financials 2024	28 Feb 2025	S. Al-Otaibi	2	Approved	⋯
Bank statement (12 mo)	02 Mar 2025	F. Al-Harbi	—	Approved	⋯
VAT certificate	02 Mar 2025	F. Al-Harbi	—	Approved	⋯
National address	05 Mar 2025	N. Al-Mutairi	1	Under review	⋯
Zakat certificate	—	—	—	Missing	⋯

🧾

PNPL requests

Pay-now-pay-later requests raised for this buyer

ID	Buyer	Seller	Request on	Amount	Status	Actions
#PN-1042	Al-Rowad Trading	Saudi Steel Co.	18 Jun 2026	420,000	Pending	⋯
#PN-1031	Al-Rowad Trading	Gulf Cement	02 Jun 2026	180,000	Approved	⋯
#PN-0998	Al-Rowad Trading	Riyadh Cables	21 May 2026	310,000	Approved	⋯
#PN-0975	Al-Rowad Trading	Saudi Steel Co.	04 May 2026	95,000	Rejected	⋯

🔁

Transactions

Financing transactions and their repayment status

Transaction ID	Amount	Status	Payment status	Due date	Created at	Actions
TX-88213	180,000	Active	Paid	15 Aug 2026	02 Jun 2026	⋯
TX-88190	310,000	Active	Partial	05 Aug 2026	21 May 2026	⋯
TX-88044	75,000	Closed	Paid	10 Apr 2026	10 Feb 2026	⋯
TX-87901	240,000	Active	Overdue	30 Jun 2026	28 Mar 2026	⋯

💳

Payments

Payments received against this company's transactions

Transaction ID	Company	Amount	Users	Status	Created at	Actions
TX-88213	Al-Rowad Trading	180,000	S. Al-Otaibi	Confirmed	12 Jun 2026	⋯
TX-88190	Al-Rowad Trading	150,000	F. Al-Harbi	Confirmed	03 Jun 2026	⋯
TX-88190	Al-Rowad Trading	160,000	F. Al-Harbi	Pending review	28 Jun 2026	⋯
TX-88044	Al-Rowad Trading	75,000	N. Al-Mutairi	Confirmed	15 Mar 2026	⋯

🏭

Industries

Sectors declared on the company's commercial registration

🏗

General contracting

Primary · CR activity 4210

🧱

Building materials trading

CR activity 4663

🚧

Infrastructure & roadworks

CR activity 4211

📊 Risk model

🏦 Bank statement

📁 Audited financials 3

Current rating

A- Low risk

From latest assessment · 30 Jun 2026

Latest score

78/100 ▲ +7

vs previous assessment (71)

Recommended credit limit

SAR 2,500,000

Applied to company profile

Score trend

4 assessments since Mar 2025

🎯

Risk assessment history

Every assessment run for this company — select one to view its full breakdown

Assessment ID	Rating	Score	Status	Created by	Created at

Viewing assessment RA-2041 · created 30 Jun 2026

🎯

Assessment result

Rating, score, and recommended credit limit produced by this risk model run

Assessed 30 Jun 2026
by Sara Al-Otaibi · Risk Analyst

78%

final score

A- Low risk

Credit rating · based on this assessment

Recommended credit limit

SAR 2,500,000

≈ 25% of approved financing capacity

📊

Risk model breakdown

Weighted score across four assessment areas — expand a section to see the scored metrics

78 / 100 · A-

💲

Financial assessment

Financial health & stability

85%

Strong · 34 / 40 pts

▾

Metric	Value	Risk level	Points
Current ratio	1.84	Low	9 / 10
Debt-to-equity	0.62	Low	9 / 10
Net profit margin	11.4%	Moderate	8 / 10
Revenue growth (YoY)	+14.2%	Low	8 / 10

🏗

Business assessment

Business operations & structure

72%

Adequate · 18 / 25 pts

▾

Metric	Value	Risk level	Points
Years in business	8 years	Low	6 / 7
Industry risk (Construction)	Cyclical	Elevated	3 / 6
Ownership structure	2 shareholders	Moderate	5 / 7
Employee count	142	Low	4 / 5

💳

Payment behavior

Payment history & credit conduct

80%

Strong · 16 / 20 pts

▾

Metric	Value	Risk level	Points
On-time payment rate	94%	Low	6 / 6
Avg days to pay	28 days	Moderate	4 / 6
Defaults (24 mo)	0	Low	5 / 5
Credit utilization	61%	Elevated	1 / 3

🌐

External environment

Regulatory & economic environment

65%

Watch · 9.75 / 15 pts

▾

Metric	Value	Risk level	Points
Sector outlook	Neutral	Moderate	3 / 5
Regulatory exposure	Low	Low	3.75 / 4
FX exposure	USD 18%	Elevated	1 / 3
Macroeconomic	Stable	Moderate	2 / 3

🏦

Statement overview

Al Rajhi Bank · Account holder: Al-Rowad Trading & Contracting Co.

Account ····3812 · IBAN SA·····0207
Period: 01 Jan 2025 → 31 Dec 2025

📈

Opening balance

SAR 1,204,500

📉

Closing balance

SAR 1,852,300

🔁

Total transactions

1,284

％

Financial analysis

Cash-flow behavior derived from 12 months of statement activity

⬇

Total inflow

SAR 24.6M

⬆

Total outflow

SAR 23.9M

⬇

Avg monthly inflow

SAR 2.05M

⬆

Avg monthly outflow

SAR 1.99M

🛡

Cash-flow stability

82 / 100 Stable

Low month-to-month volatility; positive net flow in 10 of 12 months

🌍

Foreign transactions

42 (SAR 3.1M)

Mainly USD supplier settlements — within expected range

📊

Monthly net cash flow

Inflow minus outflow, by month (SAR thousands)

📁

Audited financials

Financial statements 2022–2024 · audited & run through the extraction pipeline

Pipeline: Completed · 24 pages processed

🗺 Financial mapping 98% mapped

🔍 Integrity check 1 failed

🛡 Document trust / auditor 92 trust

🧾

Line items extracted

147

🎯

Mapped to canonical

144 (98%)

❓

Needs review

Name (EN)	Name (AR)	Canonical	FY 2024	FY 2023	Mapping
Cash & equivalents	النقد وما في حكمه	current_assets.cash	1,852,300	1,204,500	✓ 99%
Trade receivables	ذمم مدينة تجارية	current_assets.receivables	4,120,000	3,540,000	✓ 97%
Inventory	المخزون	current_assets.inventory	2,880,000	2,610,000	✓ 98%
Property & equipment	ممتلكات ومعدات	non_current.ppe	6,450,000	6,120,000	✓ 99%
Trade payables	ذمم دائنة تجارية	current_liab.payables	3,210,000	2,980,000	✓ 96%
Long-term borrowings	قروض طويلة الأجل	non_current_liab.debt	5,400,000	5,900,000	? 71%
Total equity	إجمالي حقوق الملكية	equity.total	11,292,300	10,214,500	✓ 99%

Name (EN)	Name (AR)	Canonical	FY 2024	FY 2023	Mapping
Revenue	الإيرادات	income.revenue	24,600,000	21,540,000	✓ 99%
Cost of revenue	تكلفة الإيرادات	income.cogs	18,200,000	16,100,000	✓ 98%
Gross profit	مجمل الربح	income.gross_profit	6,400,000	5,440,000	✓ 99%
Operating expenses	مصاريف تشغيلية	income.opex	3,540,000	3,120,000	✓ 97%
Net profit	صافي الربح	income.net_profit	2,804,000	1,986,000	✓ 99%

Name (EN)	Name (AR)	Canonical	FY 2024	FY 2023	Mapping
Operating cash flow	التدفق النقدي التشغيلي	cf.operating	3,180,000	2,410,000	✓ 98%
Investing cash flow	التدفق النقدي الاستثماري	cf.investing	-1,120,000	-980,000	✓ 96%
Financing cash flow	التدفق النقدي التمويلي	cf.financing	-1,412,200	-1,090,000	? 68%
Net change in cash	صافي التغير في النقد	cf.net_change	647,800	340,000	✓ 99%

📋

Total rules

✔

Passed

✘

Failed

⚠

Warned

⤼

Skipped

Rule ID	Category	Rule name	Outcome	Message	Formula
BS-001	Balance sheet	Assets = Liabilities + Equity	PASS	Balanced (Δ 0)	assets − (liab + equity)
BS-004	Balance sheet	Current ratio > 1.0	PASS	1.84 ≥ 1.00	cur_assets / cur_liab
IS-002	Income statement	Gross profit = Revenue − COGS	PASS	Consistent	rev − cogs = gp
CF-003	Cash flow	Closing cash ties to balance sheet	FAIL	CF closing 1,847,100 ≠ BS cash 1,852,300 (Δ 5,200)	cf.close = bs.cash
IS-005	Income statement	Net margin within sector band	WARN	11.4% vs sector 8–10% (above band)	net / rev
XR-001	Cross-year	Revenue growth plausibility	WARN	+14.2% — verify against VAT filings	Δrev / rev₋₁
TX-009	Tax	Zakat reconciliation	SKIP	Zakat certificate not attached	—

Rule ID	Category	Rule name	Outcome	Message	Formula
BS-001	Balance sheet	Assets = Liabilities + Equity	PASS	Balanced (Δ 0)	assets − (liab + equity)
BS-004	Balance sheet	Current ratio > 1.0	PASS	1.79 ≥ 1.00	cur_assets / cur_liab
CF-003	Cash flow	Closing cash ties to balance sheet	PASS	Consistent	cf.close = bs.cash
IS-005	Income statement	Net margin within sector band	PASS	9.2% within 8–10%	net / rev

⚠ 1 failed rule (CF-003) flags a SAR 5,200 mismatch between the cash-flow closing balance and the balance-sheet cash figure for FY 2024 — a rounding-level discrepancy, but it must be cleared before the financials are treated as fully reconciled.

Aldar Audit Bureau

Abdullah Al-Basri & Partners · Chartered Accountants

✓ SOCPA-registered firm

Signing auditorAbdullah M. Al-Basri

SOCPA license №323 · Fellow (CPA)

Firm registrationMOC-4587-AUD

Audit opinionUnqualified

Report date28 Feb 2025

Fiscal years coveredFY 2022 · 2023 · 2024

Prior auditorSame firm (3rd year)

✓

Unqualified (clean) opinion

The auditor states the financial statements present fairly, in all material respects, the financial position of the company in accordance with IFRS as endorsed in KSA.

Document trust score

Authenticity & tamper checks on the audited PDF

/ 100 · High

✓ Auditor signature present page 3

✓ Official firm stamp detected page 3

✓ SOCPA license verified registry match

✓ No digital tampering detected hash clean

✓ Figures cross-check with statements 98%

! Zakat certificate not attached optional

🛡 Trust score combines document authenticity signals (signature, stamp, tamper hash) with auditor credibility (SOCPA registration status, opinion type, tenure). A High score means the audited financials can be relied on for the risk decision above.

Mockup · admin.trymala.com — company page. The Risk assessment tab holds three sub-tabs: the risk model (with its own assessment history), the bank statement, and the audited financials — each independent. All figures are illustrative sample data.