AI bookkeeping & advisory that thinks along with your company
10 AI agents process your administration and deliver proactive fiscal and structural advice. A reviewer checks everything. You stay in control — without the hassle.
No credit card needed · 2 months free
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 what the AI does. Always.
Every transaction automatically in the right place
Finn connects your bank account via PSD2 and categorizes 85% of your transactions automatically. You only need to confirm the exceptions.
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
Based on your expected profit of €92,000, the optimal director salary for 2026 is €56,000. This meets the customary wage criterion.
By keeping the salary at this level you save approx. €4,200 in taxes compared to a higher salary of €65,000.
Scenario comparison
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 everything
A real bookkeeper checks the AI output. Errors are corrected before you see them.
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. Every booking is checked by a real bookkeeper.
DGA payroll included
No add-on, no extra costs. Payroll processing for the director-shareholder is included in every plan.
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 Complete
You save €3,672 per year
And with Self-service (€15/mo) you save even more.
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
Transparent pricing
DGA salary processing included in every plan
Starter
For freelancers who just formed a BV
50 transactions/mo
Complete
For active BVs with regular administration
250 transactions/mo
Growth
For growing BVs with more complex bookkeeping
500 transactions/mo
Holding
For holding structures with multiple entities
1000 transactions/mo
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 the VAT return goes automatically and I finally have oversight on my cash flow. And DGA payroll is just included — no extra costs.”
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 — something Moneybird, Exact Online, Jortt and e-Boekhouden don't offer. While those tools require manual work, FINEO fully automates categorization, VAT returns and annual accounts. FINEO also includes an Advisory Center with tax advice and a Structure Advisor (Lex) that proactively recommends holdings. DGA payroll processing is included in every plan — competitors charge extra or don't offer it.
How much does FINEO cost?
FINEO starts from €15 per month for starters. All plans include DGA salary processing. There are no hidden costs or expensive add-ons.
Is there a free trial?
Yes, you can try FINEO free for 2 months. No credit card needed. After the trial period, you choose the plan that fits you.
How does DGA salary processing work?
DGA salary processing is included in every plan. FINEO calculates the optimal salary, generates payslips, and files payroll returns with the tax authority.
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, InterVAT returns, and KBO integration. Prices start from €29 per month.
What does the reviewer do exactly?
The ReviewerCopilot is a real bookkeeper who checks the AI output. Errors are corrected, edge cases flagged, and you receive an approval report per period.
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.
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
2 months free. No credit card needed.