TEMBO
TEMBO ERP · Business Operating System

Know your business. Control what happens next.

Tembo connects finance, operations, people and business intelligence into one system — giving management complete visibility and stronger control.

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Finance·Operations·People·Intelligence
Overview / Kilima Holdings Ltd Sep 2026 · KES
Revenue
18.4M
+12.1%
Gross margin
36.4%
-3.1pts
Cash
7.9M
+4.0%
Cash flow trend 6 months · net
Apr
May
Jun
Jul
Aug
Sep
82
Business health
Stable · 7 approvals pending

Illustrative figures.

One business. One system. One source of truth. Replace disconnected spreadsheets, fragmented applications and delayed reporting with one connected operating platform.
The business problem

Your business should not need five systems to understand what is happening.

When finance, inventory, payroll, approvals and reporting live in separate systems, management loses time, visibility and control.

7 SYSTEMS · 0 SYNC

Disconnected business

Accounting package manual export
Spreadsheet for stock re-keyed
Separate payroll email
Till system csv
Email approvals manual
CSV re-keying manual
Month-end reporting delayed
1 SYSTEM · LIVE

Tembo

One ledger behind every module
Stock and margin posted as they move
Payroll that posts to the books
Till takings reconciled daily
Approvals with an audit trail
Integrations instead of CSVs
Reporting available now

One connected operating system.

Platform

Everything your business needs. Connected.

9 modules · 1 ledger
01

Financial accounting

Double-entry ledger, chart of accounts, journals, period close and statements that tie back to source.

02

Receivables & payables

Invoicing, bills, collections, AR/AP ageing, allocations, credit notes and arrears.

03

Banking & cash

Accounts, transfers, cheques, cashbook, drawer reconciliation and bank matching.

04

Sales & POS

Quotes, orders, point of sale, discounts with approval, price history and daily takings.

05

Procurement

Purchase requisitions, orders, goods receiving and supplier records.

06

Inventory

Products, stock movements, locations and valuation that posts to the ledger.

07

CRM & pipeline

Leads, opportunities, configurable pipelines, follow-ups, cases, campaigns and forecasting.

08

People & payroll

Employees, positions, leave, loans, advances, overtime and Kenyan statutory payroll.

09

Property management

Properties, units, leases, rent schedules, deposits, maintenance and licences.

Tembo Finance

Financial control without waiting for month-end.

Tembo gives finance teams real-time visibility from transaction to financial statement — every figure on a report traceable to the entries behind it.

Live statements

Income statement, balance sheet and cash flow built from the ledger as it stands, not from a monthly export.

Budget variance

Actual against budget by account, with the variance shown where the decision gets made.

Bank reconciliation

Statement lines matched to entries, with the unmatched remainder the only thing left to look at.

Period close

Lock a period and know it stays locked — later corrections post as corrections, visibly.

Multi-entity

Each company keeps its own clean set of books; the group view consolidates across them.

KRA e-TIMS

Fiscalisation built in, with signed invoices and credit notes recorded against the documents they belong to.

Tembo IQ

Business intelligence that understands your numbers.

Ask a question in plain language. Answers are drawn from your ledger, sub-ledgers and operational records — with every figure linked back to the transactions behind it.

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Analysis · Kilima Holdings Ltd · Sep 2026 vs Aug 2026
Why did gross margin decline this month?

Gross margin fell from 39.5% to 36.4%, a decline of 3.1 points. Four factors account for the change.

Input cost increase -1.6 pts
Discounting on volume lines -0.9 pts
Product mix shift -0.7 pts
Freight recovered +0.1 pts
View 1,284 source transactions →

Illustrative figures.

Localised by design

Global software standards. Built for how African businesses work.

Tembo combines enterprise-grade technology with the financial, regulatory and operational realities of African markets.

KRA e-TIMS

Fiscalisation to the Kenya Revenue Authority, with signed documents recorded against the invoices and credit notes they belong to.

Statutory payroll

PAYE, NSSF, SHIF and the Housing Levy calculated as rates change, with the obligations posted to the ledger.

M-Pesa

Mobile money treated as a first-class payment channel, reconciled like any other receipt.

Multi-currency

Transact in several currencies with rates held per company and revaluation handled in the books.

Works on the connection you have

Built for variable bandwidth, so a slow link degrades the experience rather than losing the work.

Local support

Built and supported in the region, by people who have closed books under these rules.

Tembo Connect

Connect the systems your business already uses.

Secure APIs and integrations connect Tembo with the rest of your technology ecosystem — so an operational system stays the system of record for its own domain, and the ledger still sees every economic event exactly once.

Operational systems
Payment channels
Banking
Revenue authority
Industries

Built for businesses with real operational complexity.

01

Property & real estate

Landlords and managing agents running leases, rent cycles and service charges alongside the books.

02

Retail & hospitality

Multi-outlet businesses where the till, stock and the ledger have to agree at the end of the day.

03

Professional services

Firms billing time and retainers who need receivables and pipeline in the same place.

04

Health & fitness

Membership businesses with recurring billing, access control and a front desk taking payments.

05

Distribution

Stock-led operations balancing procurement, margin and credit exposure across customers.

06

Group holdings

Owners running several entities who need each set of books clean and the group view consolidated.

Security & governance

Enterprise control at every level.

Role-based access

Permissions granted by role and checked on every action, not merely hidden in the interface.

Audit trail

Who changed what, when, and what it was before — kept as a record, not a log that rotates away.

Period locking

A closed period stays closed. Corrections post as corrections and remain visible as such.

Approval workflows

Payments, discounts and payroll run through approval before they touch the ledger.

Company isolation

Each company sees its own data only — a property, two gyms and a consultancy share nothing but code.

Your data, exportable

Your books are yours. Export them whenever you want, including on the way out.

Run your business with greater clarity.

See how Tembo can connect your finance, operations and management information in one system.

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