Books that post themselves from bookings, receipts and purchases.
EstateFlow Accounts is the financial core. Every booking, installment receipt, refund, purchase order and payout posts a double entry automatically, so the trial balance, P&L and cash flow are current without month-end rebuilding. Transactions are tagged to project, phase and cost centre, which is how a developer finds out which scheme is actually making money.
- features
- 12features
- modules
- 14modules
- screens
- 5screens
- webhooks
- 8webhooks
- Dr Bank · HBL 0142
- PKR 85,000
- Cr Receivable · GV2-0417
- PKR 85,000
- Installment
- 7 of 34 · on time
- Cost centre
- Phase 2 · Block C
- Source
- QistFlow receipt · WhatsApp delivered
Month end is a reconstruction project
- Bookings and receipts are re-typed into the accounting package
- Nobody knows which phase is profitable because costs are blended
- Bank reconciliation happens quarterly, if at all
- Refunds and payouts go out without a documented approval
How each part of Accounts actually works
12 features from the product documentation. Select one to read what it does, the mechanism behind it, the data it holds, the state before and after, and what it connects to.
General ledger & double entry
Chart of accounts, journals, periods. Bookings, receipts, expenses and POs post debits and credits automatically; statements derive from the ledger.
Chart of accounts and journals; bookings, receipts, expenses and POs auto-post double entries; trial balance, P&L and balance sheet derive from the ledger.
Accounts, journals, debits/credits, periods.
Every financial module, Reporting.
Manual books with errors.
Accurate, real-time financials.
Receivables & payables with aging
Receivables flow in from QistFlow schedules; payables from vendor bills. Aging buckets on both sides, payments applied against specific items.
Receivables flow from bookings and installments; payables from vendor bills; aging computed; payments applied against items.
Customer/vendor balances, invoices/bills, aging, payments.
QistFlow, Procurement, Reconciliation.
Unclear balances.
Control over cash in and out.
Bank & cash reconciliation
Import statements, auto-match to ledger entries, resolve exceptions. A trustworthy cash position instead of month-end guesswork.
Import the statement, auto-match lines to ledger entries, resolve exceptions manually, close the period.
Bank lines, ledger entries, match status.
GL, AR/AP, Receipts.
Month-end chaos.
A trustworthy cash position.
Cost centres & project accounting
Tag every transaction to project, phase and cost centre. Budget vs actual per project, work-in-progress for construction, profit per scheme.
Transactions are tagged to project, phase and cost centre; budget vs actual per project; WIP for construction.
Cost-centre tags, budget, actuals, WIP.
Construction, Budgets, Reporting.
Blended numbers.
Profit per project and phase.
Procurement (PR → PO → GRN → bill)
Requisition, approval, purchase order, goods receipt and a three-way match before a vendor bill becomes payable.
Requisition → approval → PO → goods receipt → vendor bill matched three ways to PO and GRN → payable.
PR, PO, GRN, bill, approvals, vendor master.
AP, Store, Construction, Approvals.
Uncontrolled buying.
Spend control with audit.
Inventory & fixed assets
Stock in and out with valuation and reorder points; asset register with depreciation schedules posting to the ledger.
Stock in/out with valuation and reorder points; an asset register with depreciation schedules posting to the ledger.
Items, stock levels, valuation, assets, depreciation.
Procurement, Construction, GL.
Unknown stock and assets.
Accurate asset and stock position.
Budgets & expense control
Budgets by project and department, expense claims with photo receipts, approvals, and variance reporting.
Budgets per project and department; expense claims with receipts → approval → posting; variance reports.
Budgets, claims, approvals, variance.
Cost centres, Approvals, Reporting.
Overspend noticed late.
Variance visibility and control.
Approval workflows
Multi-level chains by amount and type for discounts, refunds, transfers, POs, payments and payouts, all logged.
Multi-level approval chains by amount and type route to approvers and log decisions.
Rules, approvers, status, thresholds.
Procurement, QistFlow, Commission, Audit.
Ad-hoc approvals.
Governance and speed.
Document vault on transactions
Attach invoices, receipts and agreements to the transaction, project or customer, with access control and search.
Documents attach to transactions, projects and customers with access control and search.
Documents, links, permissions.
Documents & Contracts.
Paper in cupboards.
Organised, auditable documents.
Multi-entity consolidation
Separate books per company or project, inter-company handling and consolidated statements for groups.
Separate ledgers per entity or project; inter-company entries; consolidated statements.
Entities, inter-company entries, consolidation mapping.
GL, Reporting.
Manual consolidation.
Group-level financials.
Commission payables
Approved agent and dealer commissions from the ERP post as payables and settle through AP or payroll.
Approved commissions from the ERP ledger post as payables and settle through AP or payroll with statements.
Commission due, approvals, payout.
ERP, HR & Payroll, AP.
Commission paid outside the books.
Payouts in the ledger.
Flo for finance
Invoice and receipt OCR, anomaly flags on unusual entries, cash-flow forecasting from schedules and AI-written period summaries.
OCR extracts invoice and receipt fields; anomaly detection flags unusual entries; forecasts derive from schedules; period summaries are written in plain language.
Scanned documents, extracted fields, anomalies, forecasts.
Flo, QistFlow, Insights.
Manual keying and surprises.
Less entry, earlier warning.
14 modules, switched on per role. Admins configure rules; everyone else sees only what applies to them.
- General Ledger
- AR / AP
- Invoicing & Receipts
- Bank Reconciliation
- Cost Centres & Project Accounting
- Procurement
- Inventory & Assets
- Budgets & Expenses
- Approvals
- Document Vault
- Multi-Entity Consolidation
- Tax & Compliance
- Financial Statements
- Audit Trail
One file, start to finish.
A realistic sequence from the documentation, with the state before and after each step. Names and numbers are illustrative.
Approvals on the phone, expense capture with photo receipts, dashboards.
- 01
Booking posts
A booking on 14-C creates a receivable for the full plan value tagged to Phase 2. No journal is typed.
- 02
Receipt clears
PKR 85,000 received against installment 7 posts to bank and reduces the receivable. The receipt number ties to the ledger line.
- 03
Costs come in
A PR for 400 bags of cement is approved, becomes a PO, is received on site and matched to the vendor bill. AP recognises the payable.
- 04
Reconcile
The bank statement imports. 412 lines auto-match; 3 exceptions are resolved by finance before the period closes.
- 05
Approve payouts
The dealer payout run of PKR 9.8M routes to the CFO and posts on approval.
- 06
Close and report
Period closes. Project P&L shows Phase 2 at 31% gross margin; the consolidated balance sheet covers both entities.
Accounts, screen by screen
Click the sidebar to move between the overview, lists, records, boards and the settings that drive the rules. Sample data on real layouts.
Finance overview
Green Valley Developers (consolidated) · FY26 · Sep| Date | Bank line | Amount | Ledger match | Status | Owner |
|---|---|---|---|---|---|
| 04 Sep | IBFT · 4471 | 255,000 | Not found | Unmatched | A. Nadeem |
| 03 Sep | Cheque · 001982 | 1,150,000 | Refund 07-A | Amount differs | A. Nadeem |
| 02 Sep | Cash deposit | 85,000 | Receipt R-88112 | Matched | System |
| 01 Sep | Bank charges | 2,400 | Auto-journal | Matched | System |
General journal
Auto-posted entries · today| Time | Entry | Account | Debit | Credit | Cost centre | Source | Status |
|---|---|---|---|---|---|---|---|
| 12:04 | JE-88112 | Bank HBL 0142 / AR GV2-0417 | 85,000 | 85,000 | Phase 2 · Block C | QistFlow receipt | Posted |
| 11:30 | JE-88111 | AR / Revenue (deferred) | 4,441,250 | 4,441,250 | Phase 2 | ERP booking | Posted |
| 10:15 | JE-88109 | Inventory / AP Pak Cement | 392,000 | 392,000 | Phase 2 · CC-2140 | GRN-0912 | Posted |
| 09:40 | JE-88105 | Commission expense / AP dealers | 2,340,000 | 2,340,000 | Sales | Payout run | Awaiting CFO |
| 09:10 | JE-88101 | Bank charges / Bank HBL | 2,400 | 2,400 | Admin | Auto-journal | Posted |
HBL 0142 · statement 01–05 Sep
415 lines · 412 auto-matched · 3 exceptions- 05 SepStatement imported (CSV) · 415 lines
- 05 SepAuto-match by reference and amount · 412 matched
- ExceptionIBFT 4471 · PKR 255,000 · no ledger match → likely GV1-1122 receipt not posted
- ExceptionCheque 001982 · PKR 1,150,000 · ledger shows refund 07-A as 1,100,000
- ExceptionBank charges 2,400 · auto-journal created
- Owner
- A. Nadeem
- Next close
- 30 Sep
- Bank feed
- Daily (Enterprise)
Purchase orders
Open POs · three-way match| PO | Vendor | Items | Amount | GRN | Bill | Match | Cost centre |
|---|---|---|---|---|---|---|---|
| PO-1182 | Pak Cement Traders | Cement OPC × 400 | 392,000 | GRN-0912 | Received | 3-way ✓ | CC-2140 |
| PO-1190 | Steel House | Steel 12mm × 6 t | 1,560,000 | Partial 2.4 t | — | Pending | CC-2180 |
| PO-1194 | Crush Suppliers | Crush ¾" × 120 t | 540,000 | — | — | Awaiting GRN | CC-2120 |
| PO-1171 | SecureTech | ANPR camera × 2 | 380,000 | GRN-0901 | Received | Qty mismatch | Society |
Cost centres, budgets & approvals
Green Valley Developers · FY26- Phase 2
- Budget PKR 1.4B · actual 63%
- Phase 3
- Budget PKR 0.9B · actual 12%
- Marketing
- Budget PKR 180M · actual 71%
- Society ops
- Separate entity · monthly transfer
- PO ≤ 500k
- Project manager
- PO > 500k
- Project director
- Refund
- Finance head + CEO above 1M
- Payout run
- CFO
- Period
- Monthly · lock on day 5
- Depreciation
- Auto-run on close
- Consolidation
- 2 entities · monthly
Scheduled to email or exported to Excel and PDF. Every report drills down to the record.
- P&L, balance sheet, cash flow, trial balance
- Receivables and payables aging
- Collections by project
- Project and phase profitability
- Procurement spend and three-way match exceptions
- Budget variance
- Commission payables
- Consolidated group statements
Who uses it, and what each role sees
Access is scoped by role, team and field. A dealer never sees another dealer’s file; an agent never exports the database.
Accountant
Journals, AR/AP, reconciliation, period close
Procurement
Requisitions, POs, GRNs, vendor bills
Project director
Budget vs actual per phase, approvals
CFO / management
Statements, cash flow, consolidation, approvals
Auditor
Read-only ledger with full trail
| Module | View | Create / edit | Approve | Export | Configure | Delete |
|---|---|---|---|---|---|---|
| General Ledger | OwnOwnTeamTeamAll | OwnOwnTeamTeam— | ———Team— | ———Team— | ————— | ————— |
| AR / AP | OwnOwnTeamTeamAll | OwnOwnTeamTeam— | ———Team— | ———Team— | ————— | ————— |
| Invoicing & Receipts | OwnOwnTeamTeamAll | OwnOwnTeamTeam— | ———Team— | ———Team— | ————— | ————— |
| Bank Reconciliation | OwnOwnTeamTeamAll | OwnOwnTeamTeam— | ———Team— | ———Team— | ————— | ————— |
| Cost Centres & Project Accounting | OwnOwnTeamTeamAll | OwnOwnTeamTeam— | ———Team— | ———Team— | ————— | ————— |
| Procurement | OwnOwnTeamTeamAll | OwnOwnTeamTeam— | ———Team— | ———Team— | ————— | ————— |
Own = only records assigned to me · Team = my team’s records · All = the whole organisation. Field-level rules can further hide price, owner or CNIC per role.
Toggle to see how each control changes the posture score. Defaults shown are our recommended configuration.
Every action writes an entry with actor, entity, before and after value and time. Entries cannot be edited or deleted, only exported. Try it: perform an action.
- 12:04:11S. KhanBooked plot 14-C · Accounts
- 12:03:48SystemLock acquired · unit 14-C
- 11:58:02A. ButtApproved discount 5% · AP-2291
- 11:41:30H. MalikExported leads (team, 84 rows)
- 11:20:15AdminChanged role: F. Noor → Field agent
- 10:15:07SystemBlocked transfer · GV2-0930 (defaulter)
What happens without anyone clicking
Rules run the routine work. Flo, the AI assistant, handles the parts that need language or judgement, and every AI action is logged.
Automations
- Auto-posting from bookings, receipts, refunds and payouts
- Recurring invoices
- Statement import and auto-matching
- Approval routing
- Scheduled financial reports
- Depreciation runs
Flo in Accounts
- Invoice and receipt OCR
- Anomaly and fraud flags
- Cash-flow forecasting from schedules
- AI-written period summaries
Outbound WhatsApp uses approved templates. Low-confidence cases escalate to a person.
Connects to anything, not just the list
Every connector in the catalogue, the full REST API and a webhook for every state change. If it has an API, EstateFlow talks to it.
Every connector below is available to Accounts. Those most used with it are highlighted; anything not listed connects through the REST API, webhooks or Zapier / Make / n8n.
- Zameen
- Bayut
- Graana
- OLX Property
- Meta Lead Ads (Facebook, Instagram)
- Google Ads lead forms
- TikTok lead forms
- Website forms
- Landing-page builders
- Chat widget
- QR / offline import (CSV, Excel)
- WhatsApp Business API (Meta Cloud API or any BSP)
- SMS gateways (Telenor, Jazz, Zong, Ufone, Twilio)
- Email (SMTP, Gmail, Outlook, SendGrid)
- VoIP / cloud PBX (SIP, Asterisk, Twilio Voice)
- Call tracking numbers
- Push notifications (FCM, APNs)
- Payment gateways (PayFast, Safepay, JazzCash, Easypaisa, Stripe)
- Bank transfer / IBFT references
- Pay links
- Bank statement import (CSV, MT940)
- Bank feeds (Enterprise)
- POS terminals
- QGIS projects (.qgz)
- PostGIS
- GeoServer (WMS / WFS)
- Shapefile, GeoJSON, KML, DXF / CAD import
- Mapbox, Leaflet, OpenLayers clients
- ArcGIS / Esri (Enterprise)
- Satellite imagery providers
- GPS from field devices
- QuickBooks
- Xero
- Sage
- Odoo
- Tally
- SAP / Oracle / Dynamics (Enterprise)
- FBR e-invoicing
- Excel / CSV export for any ledger
- CNIC OCR
- NADRA verification partners
- DocuSign
- Adobe Sign
- PandaDoc
- Google Drive
- OneDrive / SharePoint
- Dropbox
- S3-compatible storage
- Biometric devices (ZKTeco, Hikvision)
- Bank payroll files
- Google Workspace / Microsoft 365 directories
- SSO: SAML, OIDC, Azure AD (Enterprise)
- Boom barriers & RFID
- ANPR cameras
- Smart meters (electricity, water, generator)
- IoT sensors (MQTT)
- Sales-centre kiosks & touch tables
- Digital signage
- Power BI
- Tableau
- Looker Studio
- Metabase
- Zapier
- Make
- n8n
- Google Sheets
- Slack / Teams alerts
- Everything in the UI is available through the REST API: read, create, update, and the same approvals and locks apply.
- Every state change emits a webhook within seconds, with a signed payload and automatic retries.
- Per-organisation API keys with scopes per module; OAuth 2.0 for partner apps; rate limits published per plan.
- JSON over HTTPS, cursor pagination, filtering and sorting on every list endpoint, bulk endpoints for imports.
- Sandbox organisation for testing; OpenAPI 3.1 specification and Postman collection; changelog with versioned endpoints (/v1).
- /v1/accounts
- /v1/journals
- /v1/receivables
- /v1/payables
- /v1/invoices
- /v1/bank-statements
- /v1/cost-centres
- /v1/budgets
- /v1/purchase-requisitions
- /v1/purchase-orders
- /v1/grns
- /v1/vendor-bills
- /v1/assets
- /v1/periods
Each resource supports list, get, create, update and (where allowed) delete, with the same permissions and approvals as the UI.
/v1/journals?cost_centre=phase-2&from=2026-09-01Ledger lines for external BI
/v1/bank-statementsImport a statement (CSV / MT940) for auto-matching
/v1/reports/pl?entity=gvd&period=2026-09P&L as JSON or PDF
curl https://api.estateflow.live/v1/journals \
-H "Authorization: Bearer ef_live_•••" \
-H "Content-Type: application/json"- journal.posted
- invoice.issued
- bill.received
- po.approved
- grn.received
- match.exception
- period.closed
- budget.threshold_crossed
Every state change in every product emits an event. Subscribe per event type, per project or for the whole organisation. Signed with HMAC-SHA256, retried with backoff for 24 hours, replayable from the dashboard.
POST https://your-server.example/estateflow
X-EstateFlow-Signature: sha256=3c9a…12ff
Content-Type: application/json
{
"id": "evt_01J8Z6M9QK",
"type": "booking.created",
"occurred_at": "2026-09-06T07:04:12Z",
"organisation": "green-valley",
"data": {
"booking_id": "BK-2026-0417",
"unit": { "id": "14-C", "project": "phase-2", "block": "C", "size": "10 Marla" },
"customer": { "id": "c_88112", "name": "Ahsan Raza" },
"plan": "36m-cat-b",
"net_price": 4441250,
"agent": "u_0142",
"dealer": "d_al-noor"
}
}Connected EstateFlow products
- QistFlowThe plot-file payment engine: schedules, reminders, recovery, transfers.
- ERPOne inventory, one booking process, one set of numbers.
- BillingRecurring charges billed, collected and receipted without a register.
- HR & PayrollAttendance from the field, payroll with commissions, payslips on the phone.
- Construction & StoreFrom BOQ to closeout, with the site store on the same ledger.
- Documents & ContractsAgreements, deeds and receipts that generate themselves, signed with a trail.
Accounts runs standalone or with the rest of the suite on the same database. Quotes are per organisation, based on users, plots and files.
- Demo on your own data
- Data migration from spreadsheets or your current system
- Onboarding and WhatsApp template approval
About Accounts
01 Do accountants have to enter bookings and receipts twice?
No. Bookings from the CRM/ERP and receipts from QistFlow post to the ledger automatically with project and cost-centre tags. Accountants review, reconcile and close.
02 Can we run separate books per project or company?
Yes. Each entity or project has its own ledger, and Enterprise adds inter-company entries and consolidated statements.
03 Does it handle local tax and cash-heavy operations?
Tax rules are configurable per document type, cash receipts are first-class with numbered receipts, and the audit trail records every edit and approval.
See Accounts on your own data.
A 45-minute demo on your own data. We load a sample of your inventory and files before the call, so you see your plots, your plans and your numbers, not a sample scheme.
- One block of your scheme digitised on the live map
- A booking → schedule → WhatsApp reminder, end to end
- A file transfer with the lock and dues check
- A rollout order and a written quote within two days