AI-assisted bookkeeping · Connected business account · DATEV-ready

AI-assisted bookkeeping · Connected business account · DATEV-ready

Bookkeeping, invoices

& financial overview

Bookkeeping, invoices & financial overview

simply in one place

simply in one place

Bookkeeping, invoices, receipts, your business account and a real-time financial overview in one simple workflow. AI handles the repetitive work, with a Holvi business account and DATEV integration built in.

Bookkeeping, invoices, receipts, your business account and a real-time financial overview in one simple workflow. AI handles the repetitive work, with a Holvi business account and DATEV integration built in.

Book a demo

For tax advisors

Free to join

No commitment

GDPR compliant

Data stored in the EU

AI-assisted bookkeeping · Connected business account · DATEV-ready

Bookkeeping, invoices

& financial overview

simply in one place

Bookkeeping, invoices, receipts, your business account and a real-time financial overview in one simple workflow. AI handles the repetitive work, with a Holvi business account and DATEV integration built in.

Book a demo

For tax advisors

Free to join

No commitment

GDPR compliant

Data stored in the EU

For freelancers, startups & UG/GmbH

Holvi business account integration

Holvi business account integration

DATEV connection for tax advisors

XRechnung & ZUGFeRD

AI-assisted bookkeeping

XRechnung & ZUGFeRD

AI-assisted bookkeeping

The problem

Accounting is often needlessly complicated for small businesses

Receipts are scattered across emails, invoices are in one tool, bank transactions are in another, and the current financial overview often comes far too late. Especially at the beginning, this is a problem: you need to make decisions, but your numbers aren’t really up to date

NoCFO brings your most important financial processes into one simple workflow.

No more hunting for receipts and invoices

Keep an automatic eye on bank transactions

Send and receive e-invoices

Understand your financial figures continuously

Prepare clean data for your tax advisor

The problem

Accounting is often needlessly complicated for small businesses

Receipts are scattered across emails, invoices are in one tool, bank transactions are in another, and the current financial overview often comes far too late. Especially at the beginning, this is a problem: you need to make decisions, but your numbers aren’t really up to date

NoCFO brings your most important

financial processes into one

simple workflow.

No more hunting for receipts and invoices

Keep an automatic eye on bank transactions

Send and receive e-invoices

Understand your financial figures continuously

Prepare clean data for your tax advisor

What it does

What NoCFO actually
does for you

Real, everyday work handled for you, with AI doing the repetitive parts and you staying in control.

Concrete, everyday work taken off

your plate — not vague AI promises.

Real, everyday work handled for you, with AI doing the repetitive parts and you staying in control.

Import bank transactions automatically

Import bank transactions automatically

Connect your business account or use a Holvi business account directly in the NoCFO workflow.

Capture receipts easily

Capture receipts easily

Scan receipts on mobile or forward invoices. AI reads the relevant data automatically and matches it to the right transactions.

Send and receive invoices

Send and receive invoices

Create, send and manage invoices in one place, including modern e-invoice formats like XRechnung and ZUGFeRD.

Keep bookkeeping up to date

Keep bookkeeping up to date

AI suggests entries and categories. You confirm, correct or automate recurring processes.

Real-time financial overview

Real-time financial overview

See exactly how your business is doing financially at any time, instead of waiting for delayed reports.

Work with your tax advisor

Work with your tax advisor

Relevant data can be shared in a structured way via the DATEV integration, so your tax advisor stays in the loop when you need them.

How it works

How NoCFO works

Five steps from bank connection to clean, advisor-ready data.

Five steps from bank connection

to clean, advisor-ready data.

1

Connect your account
Connect your account

Connect your account or use a Holvi business account, and bank transactions flow in automatically.

2

Capture receipts &
invoices
Capture receipts &
invoices

Photograph receipts, receive
invoices or create your own
outgoing invoices.

3

AI makes suggestions
AI makes suggestions

AI spots patterns, suggests categories and helps prepare clean entries.

4

You stay in control

You confirm, review or adjust. The process stays simple but transparent.

5

Bring in your tax advisor

If you work with a tax advisor, data can be shared in a structured, DATEV-compatible way.

4

You stay in control

You confirm, review or adjust. The process stays simple but transparent.

5

Bring in your tax advisor

If you work with a tax advisor, data can be shared in a structured, DATEV-compatible way.

Who it's for

Who NoCFO is for

Self-employed & freelancers

Self-employed & freelancers

Less time on receipts, invoices and bookkeeping, more time for clients and projects.

Less time on receipts, invoices

and bookkeeping — more time for clients and projects.

Startups & founders

Startups & founders

Set up your finances cleanly from day one, keep the overview and grow prepared.

Set up your finances cleanly

from day one, keep the overview and grow prepared.

UG & GmbH

UG & GmbH

Bring your business account, receipts, invoices and bookkeeping data together in one clear process.

Bring your business account,

receipts, invoices and bookkeeping data together in one clear process.

Partner

Tax advisors

Tax advisors

Serve digital clients more efficiently, with cleaner data, fewer queries and DATEV integration.

Serve digital clients more

efficiently — with cleaner data,

fewer queries and DATEV integration.

Book a demo

Learn more for tax advisors

One connected workflow

Business account & financial management in one workflow

Connect your financial management directly to a business account, so account, transactions, receipts and bookkeeping run closer together. That reduces manual work and makes your financial process cleaner from the start, especially for new businesses, freelancers and digital founders.

Business account integration

Bank transactions automatically in your workflow

Match receipts and invoices directly

A better basis for bookkeeping and your tax advisor

Integrated with the Holvi business account

Your business

Invoices, receipts, daily finance

NoCFO

Bookkeeping, AI overview & e-invoicing

Business account

Transactions flow in automatically

DATEV / tax advisor

Structured data, ready to hand over

One connected workflow

Business account & financial management in one workflow

Connect your financial management directly to a business account, so account, transactions, receipts and bookkeeping run closer together. That reduces manual work and makes your financial process cleaner from the start, especially for new businesses, freelancers and digital founders.

Business account integration

Bank transactions automatically in your workflow

Match receipts and invoices directly

A better basis for bookkeeping and your tax advisor

Integrated with the Holvi business account

Your business

Invoices, receipts, daily finance

NoCFO

Bookkeeping, AI overview & e-invoicing

Business account

Transactions flow in automatically

DATEV / tax advisor

Structured data, ready to hand over

One connected workflow

Business account & financial management in one workflow

Connect your financial management directly to a business account, so account, transactions, receipts and bookkeeping run closer together. That reduces manual work and makes your financial process cleaner from the start, especially for new businesses, freelancers and digital founders.

Business account integration

Bank transactions automatically in your workflow

Match receipts and invoices directly

A better basis for bookkeeping and your tax advisor

Integrated with the Holvi business account

Your business

Invoices, receipts, daily finance

NoCFO

Bookkeeping, AI overview & e-invoicing

Business account

Transactions flow in automatically

DATEV / tax advisor

Structured data, ready to hand over

NEW · AI CFO · Luca

More than bookkeeping: your financial overview inreal time

More than bookkeeping: your financial overview inreal time

It's not just about getting bookkeeping done. Your AI CFO helps you make better decisions: it spots changes, flags anomalies and answers questions about your financial situation, based on your real business data.

It's not just about getting bookkeeping done. Your AI CFO helps you make better decisions: it spots changes, flags anomalies and answers questions about your financial situation, based on your real business data.

Knows your real numbers, Answers are based on your actual

transactions and invoices, not generic advice.

Knows your real numbers

Answers are based on your actual

transactions and invoices.

Flags what matters, Surfaces changes and anomalies before

they become a problem.

Flags what matters

Surfaces changes and anomalies

before they become a problem.

Ask in plain language, No reports to build. Just ask a question and get a straight answer.

Ask in plain language

No reports to build, just ask a question

and get a straight answer.

Which clients pay late?

Why did costs rise this month?

Which invoices are open?

How long will my cash last?

AI does not replace tax advice. It helps you understand your numbers better and ask the right questions faster.

AI does not replace tax advice.

It helps you understand your

numbers better and ask the right

questions faster.

Knows your real numbers

Answers are based on your actual transactions and invoices, not generic advice.

Flags what matters

Surfaces changes and anomalies before they become a problem.

Ask in plain language

No reports to build. Just ask a question and get a straight answer.

Which clients pay late?

Why did costs rise this month?

Which invoices are open?

How long will my cash last?

AI does not replace tax advice. It helps you understand your numbers

better and ask the right questions faster.

For tax advisors

For tax advisors and firms

Firms serve small digital clients more efficiently. Clients capture receipts, invoices and bank data in one simple workflow, and the firm receives cleaner data and fewer queries.

Learn more for tax advisors

NoCFO does not replace tax advice
NoCFO does not replace tax advice

NoCFO is the software and workflow layer for clients. Tax advice and responsibility stay with your firm. That's exactly why working with tax advisors is central to us.

NoCFO is the software and workflow layer for clients. Tax advice and responsibility stay with your firm — that's exactly why working with

tax advisors is central to us.

Pricing

Transparent pricing for small businesses

Start simple and pick the plan that fits your business.

Free

0 €

/ month

For very small businesses with few transactions.

8 transactions / month

Send invoices

E-invoicing

Basic bookkeeping

Book a demo

Most popular

Plus

24 €

/ month

For the self-employed and small businesses.

80 transactions / month

Receipts & invoice management

Bank transactions in workflow

AI support & VAT workflow

Chat support

Book a demo

Plus

24 €

/ month

For the self-employed and small businesses.

80 transactions / month

Receipts & invoice management

Bank transactions in workflow

AI support & VAT workflow

Chat support

Book a demo

Pro

48 €

/ month

For startups and small businesses with more activity.

240 transactions / month

Extended support

Higher invoice & transaction volume

Suited to growing teams

Book a demo

Growth

from 84 €

/ month

For growing businesses with individual requirements.

Custom solution

Higher volumes

Advanced workflows

Personal onboarding

Talk to us

Usage-based fees may apply depending on usage (e.g. e-invoices or payroll). Final pricing to be confirmed.

Customer stories

Trusted by small businesses across Germany

Trusted by small
businesses across
Germany

How founders, freelancers and firms work with NoCFO every day.

How founders, freelancers and firms work with NoCFO every day.

  • I had no prior experience with accounting software, and learning new tools can feel daunting. The service pleasantly surprised me in every way and fits our club needs perfectly. NOCFO remains simple enough for even a 57-year-old accounting novice to use.

    Treasurer Make

    Pin Pals Imatra ry

    Picture of Pin Pals ry
    Picture of Pin Pals ry
  • Konsta Leskelä

    This has been a great help! The Holvi integration works smoothly, which is a huge plus. We've experienced many needs typical for small businesses requiring precise accounting, but these are often very cumbersome in other programs, whereas NoCFO combines many elements seamlessly.

    Konsta L.

    Entrepreneur at Lykka oy

  • Picture of Aatu Pulkkinen

    For our service offering, it's important that the tool is easy to use and has an exceptional pricing model. NoCFO combines many elements seamlessly.

    Aatu Pulkkinen

    Accounting office

    Septimus Oy

  • Picture of Tanja Karonen

    I moved to NoCFO from two other systems, and the intuitive user interface has made managing my bookkeeping much easier.

    Tanja K.

    Entrepreneur at TMK Asunnot Oy

Our Partners

FAQ

Frequently asked questions

Frequently asked questions

Is NoCFO available in German?

Where is my data stored? (GDPR)

Do I still need a tax advisor?

Can I use NoCFO with a business account?

Does NoCFO support e-invoices?

Can I start as a new UG or GmbH?

Set up your financial management cleanly from day one

We'll show you in a short demo how NoCFO can work for your business or your firm.

Book a demo

For tax advisors

Free to join

No commitment

GDPR compliant

Data stored in the EU

Set up your financial management cleanly from day one

We'll show you in a short demo how NoCFO can work for your business or your firm.

Book a demo

For tax advisors

Free to join

No commitment

GDPR compliant

Data stored in the EU

Set up your financial management cleanly from day one

We'll show you in a short demo how NoCFO can work for your business or your firm.

Book a demo

For tax advisors

Free to join

No commitment

GDPR compliant

Data stored in the EU