· Translation of the release published in German.
Bubikon, 10 November 2026
Year-end closing without a fiduciary: Bilanzi takes over the bookkeeping of small Swiss businesses with AI agents
Small businesses handle their bookkeeping and year-end closing under Swiss law themselves, free of charge in the basic version.
The accounting platform Bilanzi (bilanzi.ch), based in Bubikon ZH, has been guiding small Swiss businesses through the complete year-end closing since the end of October. The work is done by AI agents: artificial intelligence programs that carry out a fiduciary’s tasks on their own from start to finish. The business owner reviews and approves. Bilanzi was developed by Tom Hofer, originally for his own company.
What Bilanzi takes over
Receipts: The AI agents read receipts from photos, PDFs, email or WhatsApp and propose the booking with the account and the VAT rate.
Bank: The bank delivers the transactions daily via EBICS. The agents match them and research unknown counterparties on the web.
Invoices and payroll: Invoices, payment reminders and payslips go out on their own.
Year-end closing: Profit tax for the Confederation, the canton and the municipality, accruals, provisions and the notes. For a GmbH or AG, also the resolution and minutes of the shareholders’ meeting and the documents for the waiver of the audit.
Questions: Answers about the company’s own figures, in five languages and via WhatsApp.
Built on Swiss law
Bilanzi is based on the Code of Obligations, the VAT Act, the Ordinance on Commercial Accounting and the tax scales of the Confederation, the cantons and the municipalities. Rates, deadlines and rules are stored in the software with their official source. Nothing that has been booked is ever overwritten, every change is recorded in a chained audit trail, and auditors receive time-limited read access on request. The data is stored in Zurich, and the AI runs at Infomaniak in Geneva.
“A fiduciary sees a small company’s figures once a year. Our AI agents work alongside it every day and follow the same laws,” says Tom Hofer. “The business owner stays in control and always knows where the company stands.”
From a personal problem to a platform
Since 2021, Hofer has run the trailer rental service anhaenger-miete.ch, which operates without staff: 18 trailers at 14 locations in German-speaking Switzerland, more than 1,200 rentals since launch, over 600 so far in 2026, more than three times as many as the year before. Booking, pick-up and return run automatically around the clock. The bookkeeping remained manual work. “If I can automate a rental, I can automate the bookkeeping too,” says Hofer.
He started Bilanzi in September 2026. Hofer has worked in software development and IT project management for more than 20 years. AI writes the code, while he writes the instructions and checks every result. In just over two months, this produced a platform with 64 features. “AI makes this pace possible, but only with experience and clear rules,” says Hofer. “Otherwise you get patchwork, and patchwork has no place in bookkeeping.”
Who it is for and what it costs
Bilanzi is aimed at sole proprietorships, GmbHs and AGs with up to ten full-time positions. The basic version, Free, is permanently free and includes 50 of the 64 features, among them VAT, payroll and year-end closing. Autopilot with the AI agents costs CHF 19.90 a month including VAT and can be cancelled monthly. For comparison: according to pfeffersack.ch, a full mandate with a fiduciary costs a small GmbH CHF 4,500 to 8,500 a year. Businesses still file their tax return themselves, and Bilanzi provides the documents for it. Bilanzi is available in German, French, Italian, English and Albanian. Businesses sign up free of charge at bilanzi.ch.