Free invoicing and bookkeeping for your BV. Pay only when you file.
€50 per VAT return, checked by a real reviewer before it goes out. €12 per payslip. Nothing else.
No credit card needed · No subscription, no end date
Good morning
Your Company B.V.
Everything runs on track — no action required.
Revenue (mo)
Outstanding
2 invoices
VAT Q1
Deadline 30 Apr
Cash flow forecast
6 monthsRecent transactions
TechVentures B.V.
Invoice #2026-042
Hetzner Cloud
Server hosting
DigitalFirst B.V.
Invoice #2026-041
Meet your team
10 AI agents working together on your bookkeeping & advisory
Finn
Categorization
Recognizes and categorizes every transaction automatically based on your bank feed.
Aria
Invoices
Creates professional invoices, sends reminders, and tracks payments.
Nox
OCR & Scanning
Scans receipts and purchase invoices, extracting all relevant data.
Pip
Procurement
Manages suppliers, purchase invoices, and approval workflows.
Vera
VAT & Tax
Calculates VAT returns, flags errors, and prepares SBR reports.
Rosa
Annual Accounts
Compiles annual accounts and generates chamber of commerce filing documents.
Lena
Onboarding
Guides you step by step through setting up your administration.
Cas
Cash Flow
Forecasts cash flow, signals risks, and monitors liquidity.
Lex
Structure Advisor
Analyzes your corporate structure and advises on holdings, restructuring, and tax optimization.
ReviewerCopilot
Human Review
A real bookkeeper checks your VAT return before it goes out the door.
Every transaction automatically in the right place
You import your bank statement (MT940 or CSV) and Finn suggests a booking for every transaction: your own rules first, AI for new counterparties. You only confirm the uncertain ones.
Finn · Ledger agent
Categorization
TechVentures B.V.
Invoice #2026-042
+4.235,00
Albert Heijn
Office supplies
−47,85
DigitalFirst B.V.
Invoice #2026-041
+2.100,00
KPN Zakelijk
Phone subscription
−45,00
Coolblue
Monitor Dell 27"
−389,00
Professional invoices with automatic follow-up
Aria creates invoices with QR code for instant payment, sends automatic reminders, and matches payments to open invoices.
Aria · Billing agent
Invoice #2026-042
From
Fineo B.V.
KvK 12345678
To
TechVentures B.V.
Herengracht 100, Amsterdam
Description
Amount
Scan to pay
iDEAL QR code
VAT returns and annual accounts — automated
Vera calculates your VAT return based on your bookings. Rosa compiles your annual accounts. Everything SBR-ready for the tax authority.
Vera · Tax agent
VAT return Q1 2026
Period
Q1 2026 (Jan – Mar)
Deadline
30 April 2026
1a. Supplies / services · 21%
18.650,00
1b. Supplies / services · 9%
0,00
5a. VAT due
3.916,50
5b. Input VAT
1.736,25
To pay
Tax advice calculated with your real numbers
12 advisory topics — from DGA salary to investment deductions — calculated with your live bookkeeping data. Personal, current, concrete.
Sol · Advisory agent
Advisory Center — Director salary
Your situation
Expected profit 2026
Current director salary
Advice
Your customary wage is the highest of three tests. The 2026 baseline is €58,000 — you are on it.
But a comparable role in your field pays about €90,000, and the comparable-employment test takes 75% of that: €67,500. That is the binding figure, not the baseline.
The three tests
How it works
From chaos to control in 3 steps
Connect your bank
Connect your business bank account in 2 minutes via PSD2. Secure, direct, no hassle.
AI learns your administration
Finn categorizes your transactions, Aria creates invoices, Vera calculates VAT. All automatic.
Reviewer checks your return
Filing a VAT return? A real reviewer checks it before it goes to the tax authority via Digipoort. €50 per return — nothing else to pay.
Why FINEO is different
10 AI agents
Not one tool, but a whole team. From bookkeeping to structural advice — each agent specializes in one task.
Human reviewer
AI + human, not AI alone. Your VAT return only goes to the tax authority after a real reviewer has checked it.
DGA payslip for €12
No payroll bureau, no subscription. Your monthly payslip with the right wage tax, tax credits and Zvw — plus your annual statement. €12 per payslip.
Your bank stays your bank
We connect via PSD2, we don't play bank. You keep your own account at your own bank.
How you save as a BV owner
Without FINEO
With FINEO
You save €4,516 per year
Worked example: 1 BV, 1 DGA, 4 VAT returns and 12 payslips. FINEO prices excl. VAT; the software itself costs nothing.
Vera finds your saving. You approve it.
The Tax Autopilot spots tax opportunities in your live numbers and calculates what they're worth. You (or your reviewer) approve — nothing happens automatically.
FINEO
Savings receipt
Illustrative example
Worked example based on a fictional BV — your numbers determine your outcome. This is not tax advice.
Detect
Vera scans your books daily for tax opportunities, such as unused annuity allowance or a provisional assessment that no longer fits.
Calculate
Every opportunity is calculated with your real numbers: estimated benefit in euros, with the assumptions stated honestly.
You approve
You or your reviewer assess the proposal. Nothing is booked or filed without your approval.
Saving recorded
After execution the realised saving shows up on your savings counter — verified by your reviewer.
Annuity allowance
DGAVera estimates your annuity allowance based on your BV salary and pension accrual. You confirm your income and factor A, approve the deposit and transfer it yourself.
Provisional assessment
CITProfit forecast drifting? Vera calculates the difference and prepares an adjustment request for you. You submit it yourself via Mijn Belastingdienst Zakelijk.
Detects & calculates · you (or your reviewer) approve
Personal tax advice, calculated with your real numbers
No generic tips but calculated scenarios based on your live bookkeeping.
Company car
Calculate whether private or business driving is more advantageous for your situation.
DGA salary
Optimal salary calculated based on your profit and personal situation.
Equipment
Check if your investment qualifies for small-scale investment deduction.
Dividend
Calculate the optimal dividend moment and tax burden in Box 2.
12 advisory topics · calculated with your live numbers
Free. Unless you file.
No subscription, no trial that runs out. You only pay per compliance event — and then you know exactly what for.
Invoicing & bookkeeping
Unlimited invoicing, bookkeeping, receipt scanning, bank import and as many administrations as you like.
VAT return
A real reviewer checks your return before it goes to the Dutch tax authority via Digipoort.
DGA payslip
Your monthly payslip as director-shareholder, with the right wage tax, tax credits and Zvw — plus your annual statement.
Worked example — 1 BV, 1 DGA: 4 returns + 12 payslips = €344 per year. Prices excl. VAT.
Bank connection: MT940/CSV import today, automatic connection coming.
Switch in 2 clicks
Take your existing administration with you — no hassle.
From Moneybird
OAuth connection: authorize and your data flows automatically.
From Exact Online
XAF import available. Direct OAuth connection coming soon.
Other package
Export your administration as XAF file and import it in FINEO.
What entrepreneurs say
“From 6 hours of bookkeeping per month to 30 minutes. The AI categorizes everything automatically and the reviewer catches exactly those things I'd miss myself.”
Mark V.
DGA, Consultancy · Amsterdam
“The Advisory Center calculated my optimal DGA salary in seconds. Saves me €2,400 per year in taxes. My accountant hadn't laid it out this clearly in three years.”
Priya D.
DGA, IT Services · Utrecht
“Switching from Moneybird took two minutes. Now my VAT return passes a reviewer before it goes out and I finally have oversight on my cash flow. And my payslip just rolls out every month.”
Tom K.
DGA, E-commerce · Rotterdam
Frequently asked questions
What makes FINEO different from Moneybird, Exact Online and other bookkeeping tools?
FINEO combines 10 AI agents with human review at the moment it matters — something Moneybird, Exact Online, Jortt and e-Boekhouden don't offer. While those tools require manual work, FINEO automates categorization, VAT calculation and annual accounts. FINEO also includes an Advisory Center with tax advice and a Structure Advisor (Lex) that proactively recommends holdings. And FINEO is free: you only pay €50 per reviewed VAT return and €12 per DGA payslip.
How much does FINEO cost?
Nothing, unless you file. Invoicing and bookkeeping are free — no subscription, no trial that runs out. You pay €50 per VAT return (including a check by a real reviewer, excl. VAT) and €12 per DGA payslip (including annual statement, excl. VAT). Extra administrations are free; each files its own return. Worked example: 1 BV with 1 DGA pays 4 × €50 + 12 × €12 = €344 per year.
Is FINEO really free, even after a while?
Yes. There is no end date and no subscription that kicks in later. You create an account, invoice and keep your books for as long as you like — no credit card. You only pay when you have a VAT return reviewed and filed (€50) or create a DGA payslip (€12) — per event, upfront.
How does DGA salary processing work?
Every month you create a DGA payslip for €12 (excl. VAT), with the right wage tax, tax credits and Zvw. Your annual statement is included. In the Advisory Center FINEO also calculates your optimal DGA salary. Payroll tax filing follows automatically once it is live.
Does FINEO also provide tax advice?
Yes. The Advisory Center calculates 12 advisory topics with your live bookkeeping data — from DGA salary and dividend distribution to company car and investment deductions. Personal, current and immediately applicable.
Can FINEO help me set up a holding?
Yes. If Lex determines that a holding is advantageous for your situation, he calculates the tax benefit and FINEO guides you through the process — in cooperation with MijnBV for the incorporation.
Can I bring my current administration?
Yes. From Moneybird you connect in 2 clicks via OAuth. For Exact Online and other packages, you can import an XAF file.
How safe is my data?
FINEO runs on European servers, uses end-to-end encryption, and connects via PSD2 — the safest standard for bank data. We never store your bank password.
Does FINEO support Belgian companies?
Yes. FINEO has a separate Belgian offering with Peppol compliance and KBO integration. In Belgium too, invoicing and bookkeeping are free; the reviewed VAT return follows there soon.
What does the reviewer do exactly?
The reviewer is a real bookkeeper who checks your VAT return before it goes to the tax authority. Errors are corrected, edge cases flagged. That check is part of the €50 per return — you are not buying a subscription to a reviewer, you are buying a reviewed return.
What does Lex, the structure advisor, do?
Lex analyzes your corporate structure and advises on holdings, restructuring and tax optimization. Based on your real numbers, Lex calculates whether a holding structure is beneficial for your situation.
What is the Tax Autopilot?
Vera's Tax Autopilot spots tax opportunities in your live numbers — such as unused annuity allowance or a provisional assessment that no longer matches your profit — and calculates their estimated value. You (or your reviewer) approve every proposal; nothing is booked or filed automatically with the tax authority. An adjustment of your provisional assessment, for example, you submit yourself via Mijn Belastingdienst Zakelijk, with a request prepared by FINEO.
Eenmanszaak omzetten naar BV?
De FINEO Omzetmodule genereert je fiscaal dossier voor geruisloze inbreng met 10 AI-agents. Eindbalans, beginbalans BV, inbrengbeschrijving, verkrijgingsprijs en intentieverklaring — klaar in 7 werkdagen. All-in voor €1.497 via MijnBV.
Start today
Start your bookkeeping today
Free, with no end date. No credit card needed.