Features

Chart of accounts, journal, posting, reversal, period lock

A posted journal line is immutable. Corrections are a linked reversal, never an overwrite.

Capture receipts and link them to entries

Private storage per legal entity. Uploaded files are treated as untrusted and are never executed in the browser.

Contacts, bank accounts and issuer profile

The master data invoices and payment orders are built from. Every contact has a card with what was invoiced, what is open and what happened, plus contact people, notes and next steps.

Invoices with the Swiss QR payment part

The payment part follows the specification, but no bank and no SIX body has accepted it yet.

Supplier invoices, approval and payment order (pain.001)

A receipt is required and approval comes before payment. The payment file has not been loaded on any bank platform yet.

Import a bank statement and reconcile it (CAMT, CSV)

The reconciliation proposes and explains why; it only becomes binding on confirmation. No direct bank connection.

VAT return, effective method or net tax rate

Worked out from the journal lines, per quarter or per half-year. A tax rate only counts once the owner has approved it against the official source, once. You file in the FTA portal, not from Bilanzi. The return comes with the paid plans.

Year-end close with a checklist, freezing and opening

Five steps with blocking checks, frozen annual accounts and the opening of the next year out of them.

Businesses, roles, invitations and fiduciary mandates

A fiduciary works in the mandate, not on a copy. Everyone has a role, and the role decides what they see and can do.

Audit trail with a hash chain

Every action is recorded and chained to the previous one. If an entry is altered afterwards, that can be proven rather than merely forbidden.

Four languages, phone first, sign-in with Google, Apple or email

The interface speaks English, German, French and Italian. Each person switches on the second factor for sign-in themselves.

Notifications by e-mail

Invitations, mandates, locked periods and the answer to a request go out by e-mail, in four languages and with no business content in the message: no amount, no name, no number. Sending runs through Resend, processed in Ireland.

Buying a paid plan online

The plans and their prices are on the pricing page. You take out a paid plan under Settings › Subscription, by card, TWINT, Apple Pay or Google Pay. Free needs no subscription and no payment details.

Developer access for your own applications (REST and MCP)

Access only to mandates you have explicitly allowed, and no booking, paying or payroll. This comes with the paid plans.

Payroll

Employment records, wage types, payroll runs with payslips, annual payroll account and withholding tax. Calculations start once the owner has approved the contribution rates against the official source, once. No Swissdec certification. This comes with the paid plans.

Receipt reading and AI proposals

A receipt goes to a language model that suggests an entry. The database checks the suggestion against the chart of accounts, and a person accepts or rejects it. The model runs in Switzerland, at Infomaniak in Geneva. It can misread things, so you check every suggestion. The AI comes with the paid plans, with a set number of receipts a month.

Fixed assets, expenses and cost centres

Fixed asset register with classes, depreciation runs and disposals; expenses with receipt photo, approval, rework and reimbursement; cost centres with allocation and reporting.

Balance sheet and income statement

Per CO 959a and 959b, at any time from the posted receipts, with the accounts behind every line; frozen at the close, with the prior year beside it.

Dunning with default interest

Dunning levels as a dated setting of the business, dunning runs, reminders with QR payment part, fee and default interest on a named basis of the business’s own.

Immutable ten-year archive

Retention periods per fiscal year, legal hold, marks for immovable property, and the books as frozen, verifiable files to take out. Not a certified archive: what is taken out, the business files itself.

Filing with the ESTV

The declaration is computed but filed nowhere. The path to the authority is not built.

Direct bank connection

Statements come in as a file and payment orders go out as a file. No interface to a bank.