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Reef Value Business · Company formation & operation in the Kingdom

Your company in the Kingdom,
from idea to full operation.

We handle establishing your investment company and operating it administratively — the investment license, commercial registration, bank account, residency, and day-to-day compliance — with a team that knows the regulators and speaks your language.

Vision 2030 · The entry window is open now

Enter the Saudi market
with a company you fully own.

The new investment law opened most activities to 100% foreign ownership — we walk you from activity assessment to bank account and residency, with most procedures done remotely and in your language.

Beyond formation · operation & growth

We are not a formation office —
we are a lifecycle partner.

From day one of registration to platforms, filings, accounting, and business intelligence — one partner accompanying your company through its entire journey in the Kingdom.

100% foreign ownershipA written, clear SLAService in Arabic & EnglishBank account included in the package

Free 30-Minute Consultation

We reply within one business hour

30 minutes with a specialist consultant · no obligation · your information stays confidential

or via WhatsApp

3Integrated programs — Formation · Operation · Growth
9Flexible, customizable packages
45daysto a company ready to operate — with a written commitment
100%foreign ownership in most activities
About Us

One regulatory partner accompanying you from day one — and staying beyond it

Reef Value Business is the business-enablement division of Reef Value, a Saudi company. We establish companies for residents and foreign investors, handle their administrative operation and regulatory compliance, then upgrade their financial and technology systems as they grow — giving the investor one partner who understands the local system and shoulders the details.

We work on the official platforms daily; we know how to file applications correctly the first time and how to manage recurring obligations with no fines and no surprises.

We work through the official platforms and authoritiesMinistry of Investment (MISA)Ministry of CommerceZakat, Tax and Customs Authority (ZATCA)GOSI (Social Insurance)QiwaMuqeemMudadAjeerChamber of Commerce
Our Solutions

Three programs covering your company's entire journey

One partner from the investment idea to a mature company — choose what fits your stage, and we'll walk the rest with you.

01 · Formation

Company Formation

From an investment idea to a working legal entity

Issuing the investment license, articles of association, commercial registration, and registering the business on the government platforms — with support for opening the bank account and the investor's residency.

  • Investment license + commercial registration
  • Articles of association plus tax and social insurance registration
  • Support opening a corporate bank account
  • Investor residency (optional)
Program & Package Details
02 · Operation

Company Operation

Daily compliance and platform management without the hassle

Full management of government platforms, tax filings, attestations, and regulatory obligations — so you can focus on growing your business.

  • Managing Qiwa, Muqeem, and GOSI
  • Filing periodic tax returns
  • Mudad, Ajeer, and wage protection support
  • Chamber of Commerce attestations
Program & Package Details
03 · Growth

Company Growth

Accounting, business intelligence, and advanced systems

Upgrading financial and technology systems and dashboards so you decide on real data, powered by the Reefai platform from Reef Solutions.

  • Accounting & tax management
  • Interactive BI dashboards
  • ERP & CRM systems
  • Custom technology solutions
Program & Package Details
Your Path

Tell us your situation, and we'll map the path

Every investor has a different regulatory path. Pick your case to see the steps and the right package — then we confirm it with you in a free consultation.

Resident in the Kingdom

Establishing a company in your name with 100% ownership under current regulations, with the essential registrations, ready to operate.

  1. A consultation to determine the most suitable activity and legal form
  2. Issuing the commercial registration and articles of association
  3. Tax and social insurance registration and the government platforms
  4. Support opening the corporate bank account
Suggested packageFormation Package or Complete Formation
Book a consultation to confirm the path

Investor outside the Kingdom

The foreign investor's path: the investment license, then commercial registration, bank account, and residency — mostly remote via a legal power of attorney.

  1. Assessing the activity and eligibility for 100% foreign ownership
  2. Registering the investor with the Ministry of Investment
  3. Commercial registration, articles of association, and registrations
  4. Bank account and investor residency
Suggested packageCorporate Launch Package
Book a consultation to confirm the path

An existing company

We take over daily compliance, platforms, and filings — or restructure the articles of association, capital, partners, and authorities.

  1. Diagnosing the regulatory position and existing obligations
  2. Managing platforms and periodic filings
  3. Amending the articles / capital / partners
  4. An accounting system and monitoring dashboards
Suggested packageFull Management Package or Custom Services
Book a consultation to confirm the path
Timeline

From application to a working company — in 45 days

A written commitment with clear durations per stage, excluding delays from documents or government authorities beyond our control.

Weeks 1–2

Investment license & commercial registration

Reviewing documents, filing applications, drafting and notarizing the articles of association, and issuing the registration.

Weeks 3–4

Statutory registrations

ZATCA, GOSI, Qiwa, Muqeem, and the Chamber of Commerce.

Weeks 4–6

Corporate bank account

Preparing the bank file and following up until activation — instead of weeks of attempts.

Day 45

A company ready to operate

We hand over a business that actually works, not just paperwork — with weekly progress reports along the way.

Our Packages

Nine packages across three programs — all customizable

Government fees are paid directly against official invoices and are not included in the packages. Payment can be split into three installments.

🥉

Formation Package

The foundation for an investment company

The essential requirements for establishing an investment company.

  • Activity analysis and requirements definition
  • Choosing the legal form
  • Issuing the investment license
  • Drafting the articles of association
  • Issuing the commercial registration
  • Registering on the government platforms
Request This Package
🥇

Corporate Launch Package

Formation + 4 months of full support

Comprehensive support to ensure stability through the first 4 months.

  • Everything in Complete Formation
  • 4 months of administrative support
  • Filing tax returns
  • Mudad & Ajeer platform support
  • Setting up the accounting system
  • Health insurance support
Request This Package
🛠️

Dedicated Support Package

Support as needed

Flexible per-service support for running companies.

  • Dedicated advisory support
  • Flexible duration
  • Selected platform services
  • On-demand management consultations
Request This Package
🔧

Custom Services Package

Restructuring an existing company

For companies needing restructuring and administrative tune-up.

  • Updating the articles of association
  • Amending the capital
  • Adding/removing activities
  • Organizing management authorities
  • Partner entry/exit
Request This Package
📊

Accounting Management Package

Financial & regulatory stability

Preparing and filing returns + account reconciliation.

  • Filing periodic tax returns
  • Reviewing tax invoices
  • Payment deadline alerts
  • Tracking authority notifications
  • Monthly accounting entries
  • Bank account reconciliation
Request This Package
🤖

Technology Management Package

An advanced digital environment

End-to-end technical support and operation.

  • Selecting and configuring accounting systems
  • Setting up management systems
  • Human resources management
  • Custom technology solutions
  • Ongoing technical support
Request This Package
Why Reef Value Business

Partners in your success at every step

A specialized team with deep expertise in Saudi regulations and systems, and a business model built around the investor's interest, not the transaction.

01

Solutions designed for your need

Packages customizable to your activity and stage — no ready-made templates forced on you.

02

Right the first time

We review the file before filing to reduce the chances of rejection, resubmission, and delay.

03

Deep specialization in the Saudi market

Hands-on experience with the Ministries of Investment and Commerce, ZATCA, GOSI, and every government platform.

04

A written commitment to results

A clear service-level agreement and full transparency at every stage — you always know where your file stands.

05

A partner who stays after delivery

We don't incorporate and disappear; our team stays with you for operations, accounting, and growth.

06

Full regulatory compliance

Compliance with Saudi regulations that protects your company from fines and operational risks.

For International Investors

Your gateway to the Saudi market — with a company you fully own

The new investment law opened most activities to full foreign ownership, and Vision 2030 is targeting an unprecedented wave of investment. We help you enter correctly from the start, bypassing the procedural, language, and bureaucratic hurdles.

  • Full service in Arabic and English from a single team
  • Expertise in foreign investor registration and 100% ownership activities
  • Complete coordination with government authorities on your behalf via a legal power of attorney
  • Corporate bank account support with a ready file and follow-up until activation
  • A free initial consultation with no obligation
100%foreign ownership in most activities
45days to a company ready to operate
7–14days to open the bank account instead of weeks
2030The Kingdom's Vision — the entry window is open now
Who We Serve

Six client segments, each with a dedicated path and solutions

Residents in the KingdomEstablishing a company in your name, legally and properly, with 100% ownership.
EntrepreneursEstablishing your investment entities professionally from day one.
Foreign investorsEntering the Saudi market and capturing Vision 2030 opportunities.
International companiesExpanding into the Kingdom with a branch or subsidiary with full presence.
Existing companiesRestructuring the entity and upgrading its systems and compliance.
Gulf investorsRegional expansion into the largest economy in the region.
2026 edition · FreeThe Investor's Guide to Company Formation in Saudi ArabiaMinistry of Investment · commercial registration · banks · residency · taxes · common mistakes
PDF · 50 pagesReef Value Business
Free resource

Everything you need to know before you incorporate — in one guide

  • The seven procedures to establish your company, step by step
  • Activities open to 100% foreign ownership
  • The real government costs, transparently
  • Bank account requirements for foreigners
  • Standard investor residency versus Premium Residency
  • The checklist of 25 mistakes new investors make
50pages
10chapters
25practical tips
5ready templates
We never share your data with any third party.
FAQ

What investors ask before the first meeting

Straight answers from daily practice. If you don't find your question, contact us and we'll answer within one business hour.

How long does it take to establish a company in Saudi Arabia?
5 to 15 business days to issue the investment license, and up to 45 business days for a fully ready company (bank account + residency + registrations).
Does a foreign investor need a Saudi partner?
No. Under the new investment law, a foreign investor can own 100% of their company in most activities.
Do I have to be in Saudi Arabia to establish the company?
Not necessarily. Most procedures are completed remotely via a legal power of attorney, and we arrange whatever requires attendance.
Do the packages include government fees?
No. Government fees are paid directly by the investor against official invoices and are not included in package prices.
What if my application is rejected by the Ministry of Investment?
We review the application carefully before filing to minimize the chance of rejection. If it is rejected due to an error on our part, we refund the amount in full.
Can I pay in installments?
Yes — payment can be split into three installments tied to work stages.

Ready to establish your company.

Book your free consultation now, or download the investor's guide and start planning with confidence.