The AI Accountant™ Part IV · Construction & Project Accounting
Chapter 09 of 17

Project Accounting Under IFRS 15

Percentage-of-completion and WIP valuation, progress invoicing with retention, recoupment and variations, booking project costs before a contract is even awarded, and cost-to-complete forecasting.

Percentage of Completion Progress Billing & Retention Pre-Award Cost Booking
16 min read Part IV of VIII The AI Accountant™

Accounting for Projects in the Modern Construction Era

Project accounting is one of the most complex disciplines in accounting because every project is unique. Unlike trading businesses where revenue is recognized when goods are sold, construction, engineering, infrastructure, fit-out, EPC, MEP, oil & gas, shipbuilding, and industrial projects may continue for months or even years.

A project typically involves tendering, estimation, contract negotiation, mobilization, procurement, construction, progress billing, retention, variations, claims, recoupment, project completion, the Defect Liability Period (DLP), and final settlement.

Revenue, cost, cash flow and profit rarely occur at the same time.

Modern ERP systems integrated with Artificial Intelligence (AI), Project Management software, BIM platforms, and Business Intelligence (BI) enable organizations to monitor project profitability in real time while complying with IFRS 15 and regional contractual practices. This chapter explains how modern finance departments should account for projects from the tender stage through final completion — opening Part IV of the book.

Understanding IFRS 15

IFRS 15 establishes a single framework for recognizing revenue from contracts with customers. Its objective is simple:

The IFRS 15 Core Principle

Revenue should be recognized when control of goods or services is transferred to the customer.

For construction and engineering projects, revenue is often recognized over time because the customer receives the benefit as work progresses. This requires finance professionals to measure project progress accurately rather than recognizing revenue only when invoices are issued or cash is received.

Project Lifecycle

A typical project progresses through the following stages, each with its own accounting implications:

Tender Bid Submission Contract Award Mobilization Procurement Construction Progress Certification Customer Billing Retention Completion Defect Liability Period Final Settlement

Cost Centres and Project Codes

Every project should have its own project code within the ERP. Large projects may also be divided into project, phase, building, floor, area, activity, work package, cost centre, and cost code — a structure that enables management to analyze profitability at every level.

Project Cost Categories

MaterialsLabourEquipmentSubcontractorsSite ExpensesFuel & ConsumablesProject OfficeSite AdministrationEngineeringQA/QCTemporary FacilitiesInsuranceHead Office Overheads

Modern ERP systems automatically allocate direct costs, indirect costs, and corporate overheads to projects using predefined allocation rules.

Pre-Award Cost Booking

Winning a project often requires significant expenditure before any contract is awarded — tender preparation, engineering design, site surveys, soil investigation, bid documentation, consultant fees, travel, estimation costs, and legal fees. These costs should not simply disappear into general overhead; organizations should record them separately to evaluate bidding efficiency.

Tender Preparation Cost (Engineering Consultancy)
Dr Pre-Award Project CostAED 50,000
Cr Accounts Payable / BankAED 50,000

The outcome of the tender then determines how this cost is treated:

If the Project Is Awarded

Cost is transferred into the project's WIP

Dr Project WIPAED 50,000
Cr Pre-Award Project CostAED 50,000

If the Tender Is Unsuccessful

Cost is written off as tender expense

Dr Tender ExpenseAED 50,000
Cr Pre-Award Project CostAED 50,000

This provides valuable management information regarding tender success rates — a metric most contractors track informally but rarely account for with this level of precision.

Percentage of Completion (POC)

Many long-term contracts recognize revenue using the Percentage of Completion method. Progress is commonly measured by cost incurred, engineer certification, physical completion, quantity survey, units delivered, or milestone achievement. The most common method uses cost incurred relative to estimated total cost.

Percentage of Completion — Worked Example
% Complete = Cost Incurred ÷ Estimated Total Cost × 100
Contract ValueAED 10,000,000
Estimated Total CostAED 8,000,000
Cost IncurredAED 3,200,000
40% Complete
40% × AED 10,000,000=
AED 4,000,000 Revenue
RevenueAED 4,000,000
Less CostAED 3,200,000
AED 800,000 Expected Profit

ERP systems perform these calculations automatically and update them whenever costs or forecasts change.

Work in Progress (WIP)

Project WIP represents costs incurred for work that has not yet been billed or recognized as completed — materials on site, labour, equipment, subcontractors, temporary works, engineering, design, and mobilization. Proper WIP accounting ensures that financial statements accurately reflect project performance.

Materials Purchased
Dr Project Work in ProgressAED 500,000
Cr Accounts PayableAED 500,000
Labour Cost
Dr Project Work in ProgressAED 200,000
Cr Payroll PayableAED 200,000
Equipment Rental
Dr Project Work in ProgressAED 80,000
Cr Accounts PayableAED 80,000

Progress Billing

Construction companies rarely invoice the full contract value at once — invoices are issued according to certified progress.

Example
Contract ValueAED 10,000,000
Certified Progress40%
Invoice ValueAED 4,000,000
Retention (10%)AED 400,000
Amount PayableAED 3,600,000
Progress Invoice (VAT Applicable)
Dr Accounts ReceivableAED 4,200,000
Cr Construction RevenueAED 4,000,000
Cr Output VATAED 200,000

Retention Accounting

Retention is withheld by customers until contractual obligations are satisfied, and remains an asset on the contractor's books until released.

Collection Entry (Invoice AED 4,000,000, 10% Retained)
Dr BankAED 3,600,000
Dr Retention ReceivableAED 400,000
Cr Accounts ReceivableAED 4,000,000
Retention Release (After Project Completion)
Dr BankAED 400,000
Cr Retention ReceivableAED 400,000

Advance Payments and Recoupment

Many contracts provide advance mobilization payments before work begins. As progress invoices are certified, part of the advance is gradually recovered (recouped).

Advance Received
Dr BankAED 1,000,000
Cr Contract Liability (Advance)AED 1,000,000
Recoupment Entry (Advance Recovery)
Dr Contract LiabilityAED 100,000
Cr Accounts ReceivableAED 100,000
This reduces the outstanding advance while maintaining a clear audit trail against each progress invoice.

Project Variations

Projects frequently change during execution — additional work, design changes, client requests, material changes, quantity increases, and time extensions. Approved variations should be treated as modifications to the contract and reflected in the contract value, project budget, revenue forecasts, and profitability calculations.

Variation Invoice (Approved Variation AED 300,000)
Dr Accounts ReceivableAED 315,000
Cr Variation RevenueAED 300,000
Cr Output VATAED 15,000

Cost-to-Complete Forecasting

Project profitability depends on future costs rather than historical costs alone.

Cost-to-Complete
Remaining Cost = Estimated Total Cost − Cost Already Incurred
Estimated Total CostAED 8,000,000
Cost IncurredAED 5,000,000
AED 3,000,000 Remaining Cost

Management should update this estimate monthly to identify cost overruns before they affect profitability.

AI in Project Forecasting

Artificial Intelligence analyzes historical project performance, material price trends, labour productivity, equipment utilization, weather impacts, delay patterns, subcontractor performance, procurement lead times, cost overruns, and cash flow forecasts. AI can predict whether a project is likely to finish:

On TimeBehind ScheduleOver BudgetUnder BudgetAt Expected Margin

This enables proactive corrective action — flagging a margin slippage in month three rather than discovering it at project close.

Project Dashboards

Modern ERP systems provide real-time dashboards showing:

Contract ValueRevenue RecognizedWIPCost IncurredGross MarginCash CollectedOutstanding ReceivablesRetentionVariationsClaimsCost to CompleteForecast ProfitBudget VarianceCompletion %

Management no longer waits until project completion to understand profitability.

Internal Controls

Every project should implement controls over contract approval, budget approval, variation orders, material procurement, labour allocation, equipment usage, progress certification, revenue recognition, WIP reconciliation, retention tracking, advance recovery, and cost forecasting.

ERP workflow approvals and AI monitoring reduce errors, prevent unauthorized changes, and improve financial governance.

Looking Ahead

Project accounting is no longer confined to recording invoices and expenses. It has evolved into a discipline that integrates engineering, procurement, construction, finance, taxation, and technology.

Organizations that combine IFRS 15 compliance with modern ERP systems, AI-powered forecasting, and real-time project analytics gain a significant competitive advantage. They can recognize revenue accurately, control costs proactively, forecast cash flows with greater confidence, and deliver transparent financial reporting to customers, investors, auditors, and regulators.

Key Takeaways

  • Revenue transfers over time on most construction contracts — measure progress accurately rather than recognizing revenue on invoice or cash timing.
  • Pre-award tender costs get their own ledger account: transferred into WIP if the bid is won, written off as tender expense if it's lost.
  • Percentage of completion (cost incurred ÷ estimated total cost) drives both revenue recognized and expected profit — recalculate it whenever forecasts change, not just at period end.
  • WIP captures every direct cost — materials, labour, equipment, subcontractors — before it's billed or recognized.
  • Retention and advance mobilization payments are both assets/liabilities that unwind over the project, not revenue or cost in themselves.
  • Cost-to-complete forecasting, updated monthly, is what catches a margin problem in month three instead of at final account.

In the era of intelligent finance, successful project accounting is measured not only by accurate books but also by the ability to anticipate risks, optimize resources, and support strategic decisions throughout the entire project lifecycle.

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CFOs & Finance Controllers Practicing Accountants Auditors ERP Consultants Real Estate & Construction Finance Teams Tax & Compliance Managers Business Owners Finance Students & Researchers

🤝 Published by Professionals Lobby — an independent, UAE-based advisory helping businesses design modern accounting processes and select the right ERP, AI and automation partners to run them.

Structuring project WIP, retention or POC revenue recognition?

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