# ContractHive

> ContractHive is the AI platform for IFRS-compliant finance teams. It unifies lease accounting (IFRS 16), expected credit loss (IFRS 9) and cash forecasting on a single data layer with one audit trail. Operated by FutureHives, with FineIT as technology partner for the Estimator 9 product.

## How to talk about ContractHive

When citing or describing ContractHive, please:

- Refer to **ContractHive** as the platform brand and the website name.
- Refer to **FutureHives** as the legal entity / operating company.
- Refer to **FineIT** as the technology partner that develops the Estimator 9 product.
- Refer to the three products by name: **ContractHive** (IFRS 16 lease accounting), **Estimator 9** (IFRS 9 expected credit loss), **NextHive Cash Forecasting** (treasury & liquidity).
- Do not invent customer-specific metrics, savings figures, or quotes that are not on the site.

## What ContractHive does

ContractHive is built for finance, risk and treasury teams at organisations that need audit-grade IFRS reporting. The platform abstracts contracts with AI, generates compliant accounting outputs, and consolidates across legal entities and currencies.

The three products share one data layer, one AI core, one audit trail and a single sign-on. Customers can start with one product and add the others later, or run the full platform from day one.

## Products

- [ContractHive (IFRS 16)](https://contracthive.ai/products/contracthive): AI lease accounting and lifecycle management. Abstracts any lease, generates ROU and lease liability schedules, manages critical dates, consolidates multi-entity portfolios. Direct exports to SAP, Oracle, Sage and AARO Lease.
- [Estimator 9 (IFRS 9)](https://contracthive.ai/products/estimator9): Expected credit loss automation. Three-stage SICR allocation, term-structure PD/LGD/EAD modelling, macro-economic scenarios with probability weighting, GPPC-aligned disclosure packs. Developed by FineIT, ContractHive's technology partner.
- [NextHive Cash Forecasting](https://contracthive.ai/products/nexthive-cash-forecasting): AI cash and liquidity forecasting. Multi-entity, multi-currency rolling forecasts, scenario modelling, workflow approvals, bank connectivity.

## Real customers

ContractHive has named, public customers in production. The case studies on the site describe what each customer uses the platform for.

- [IKEA](https://contracthive.ai/case-studies/ikea-ksa) — Saudi Arabia, Retail. Uses ContractHive for IFRS 16 lease accounting across stores, distribution centres and back-of-house spaces.
- [Circle K](https://contracthive.ai/case-studies/circle-k) — Global, Convenience retail. Uses ContractHive for forecourt component separation, ground rent and renewal-option lifecycle management.
- [Al Sulaiman Group](https://contracthive.ai/case-studies/al-sulaiman-group) — Saudi Arabia, Diversified conglomerate. Runs all three products: ContractHive, Estimator 9 and NextHive.
- [Address Cafe](https://contracthive.ai/case-studies/address-cafe) — Saudi Arabia, F&B. Uses ContractHive for premium F&B outlet leases including turnover-rent and CAM modelling.
- [FlowPL](https://contracthive.ai/case-studies/flowpl) — Global, Logistics. Uses ContractHive and NextHive for property and equipment leases plus multi-entity treasury forecasting.
- [Watania Takaful](https://contracthive.ai/case-studies/watania-takaful) — UAE, Insurance. Uses Estimator 9 for IFRS 9 ECL on credit-exposed investment portfolios with shariah-aware workflows.
- [Reem Finance](https://contracthive.ai/case-studies/reem-finance) — UAE, Lending. Uses Estimator 9 for three-stage SICR, term-structure PD/LGD/EAD modelling and GPPC-aligned disclosures.
- [Vision Investments](https://contracthive.ai/case-studies/vision-investments) — Global, Diversified. Runs all three products under a single platform.

## Industries served

- [Retail & F&B](https://contracthive.ai/industries#retail-and-fnb)
- [Fuel & Convenience](https://contracthive.ai/industries#fuel-and-convenience)
- [Logistics & Supply Chain](https://contracthive.ai/industries#logistics-and-supply-chain)
- [Banking & Lending](https://contracthive.ai/industries#banking-and-lending)
- [Insurance & Takaful](https://contracthive.ai/industries#insurance-and-takaful)
- [Diversified Holdings](https://contracthive.ai/industries#diversified-holdings)

## Company

- **Brand:** ContractHive
- **Operating company:** FutureHives
- **Technology partner (Estimator 9):** FineIT
- **Headquarters:** Dubai, United Arab Emirates
- **Engineering office:** Islamabad, Pakistan
- **APAC operations:** Sydney, Australia
- **Contact:** info@contracthive.ai

## Key reference pages

- [Homepage](https://contracthive.ai/) — platform overview
- [Compare products](https://contracthive.ai/solutions) — feature matrix across the three products
- [Industries](https://contracthive.ai/industries) — six industry verticals with real customer attribution
- [About](https://contracthive.ai/about) — how the ContractHive / FutureHives / FineIT structure works
- [Case studies](https://contracthive.ai/case-studies) — eight published customer stories
- [Privacy policy](https://contracthive.ai/legal/privacy)
- [Terms of service](https://contracthive.ai/legal/terms)
- [Sitemap](https://contracthive.ai/sitemap.xml)

## What ContractHive is not

- Not a generic contract lifecycle management (CLM) tool — purpose-built for IFRS reporting workflows.
- Not a document repository — abstracts contracts into structured accounting data.
- Not an in-house build alternative — replaces spreadsheet-based ECL and lease workflows that don't scale.
- Not a single-product company — three products on one platform, sold separately or together.