Get to know NoCFO

Book a short demo and we'll show you how NoCFO can work for your business or your firm.

What we'll figure out together

Which workflow fits you

Whether you'll use NoCFO with or without a tax advisor

How your banking tools and accounting systems connect

Which plan makes sense

ABOUT NOCFO

Financial software built for small businesses

NoCFO brings bookkeeping, invoices, receipts, your business account and a real-time overview into one simple workflow, with AI handling the busywork. We help freelancers, startups and small businesses spend less time on admin and work better with their tax advisor. Built in Europe, with your data kept in the EU.

2023

Launched NoCFO

EU

Data stored in Europe

Finland · Germany

Countries operated in

OUR TEAM

The people behind NoCFO

A small, focused team building simple financial tools for small businesses across Europe.

Teemu "Timmy" Karuluoto

CEO & Co-founder

As a seasoned entrepreneur, I know firsthand how frustrating financial management can be for small business owners. We founded NOCFO to make their lives easier with smarter, more efficient financial tools. I'm constantly coming up with new ideas — sometimes out of necessity, sometimes simply out of passion for making things better. Wannabe football pro and AI evangelist.

Teemu "Teme" Mankinen

COO & Co-founder

An “Operations Officer” who tends to get involved in just about everything and often unintentionally. I make sure things move forward and get done on time, always keeping customer satisfaction in mind. I'm a third-generation entrepreneur who gets excited about structure, regular exercise, and the occasional session with a robot vacuum.

Juho Enala

CTO & Co-founder

I develop the core tech at NOCFO, including accounting automation and AI that makes our users' lives easier. I'm into elegant systems, efficient programming, and solving practical challenges. Still proud of my days as a tractor train driver.

Vili Raunola

Tech / Full-stack developer

I build everything from sleek front-end interfaces to solid back-end systems. I like to keep things simple and clean, because I believe simplicity is the ultimate sophistication. When I'm not coding, you'll probably find me playing video games or experimenting with new recipes in the kitchen.

Joonas Aaltonen

Tech / Mobile developer

I'm crafting the mobile app to make finance tools simple, smart, and actually enjoyable to use. I love testing out new technologies and turning ideas into smooth mobile experiences. Off-hours? I'm probably smashing padel balls somewhere – yes, all seven days of the week.

Md. Al-Naim

AI / Full-stack developer

I design and build the AI agents that give NoCFO its intelligence, bridging the gap between cutting-edge algorithms and practical financial tools. My goal is to turn experimental tech into robust features that effortlessly drive value for our users. When I'm not teaching our systems how to think, I'm writing more code for my own side projects… I just can't stay away!

Badrudduza Ahmed Fahim

AI / Full-stack developer

I build systems and AI features that turn complex financial workflows into simple, practical tools. I enjoy solving technical problems and experimenting with AI to make everyday business tasks smarter and faster. Outside of coding, I like walking in Finnish nature, watching movies, or getting lost in a good video game.

Tomas Varila

Sales & Business Development

I help businesses find better ways to manage their finances. My work combines sales, customer insight, and building new opportunities. I strive to simplify complex matters and find solutions that genuinely make life easier for entrepreneurs. In my free time, I enjoy sports, especially tennis and golf.