Why FINEO
We build the best bookkeeping software for Dutch entrepreneurs. Not also a bank. Not also a payment service. Software that isn't distracted by payment products.
More and more bookkeeping platforms also offer payment accounts. That sounds convenient, but it mixes two very different fields. A bookkeeping package that also manages your money has different incentives than software that's purely focused on the best administration.
The payment accounts that bookkeeping platforms offer are often e-money accounts via partners, not real bank accounts. This means your money is not covered by the deposit guarantee scheme. At a real bank, your money is protected up to €100,000 — at an e-money institution, it isn't. We believe entrepreneurs should know this difference.
We connect with your bank via PSD2 — the same standard that banks themselves use. We work bank-neutral. But we don't play bank. Your money stays where it belongs: at a bank that was built for it. We build the software that makes your administration better than anyone else.
“Your money belongs at a bank. Your administration belongs at FINEO.”
No invoice from an accounting firm.
Automatically categorises your bank transactions
Creates and sends your invoices and quotes
Reads purchase invoices and queues them for review
Calculates your VAT, monitors deadlines, flags risks
Builds your annual accounts and SBR reporting
Forecasts your cash flow 30, 60 and 90 days ahead
Guides your setup and configures your administration
Human oversight on everything the agents do
A good accountant easily costs you €200 to €400 per month. You submit your documents, and weeks later you get results. FINEO automates the heavy lifting with AI agents and has a reviewer check everything — for a fraction of the price, in real time.
Good self-service software, but without a safety net. If you make a mistake, nobody catches it. And increasingly, these platforms also want to manage your bank account. FINEO gives you the same power plus a reviewer who checks — without wanting to be in your banking business.
Neno comes closest to our concept: automation with human oversight. But Neno is also moving towards banking services. FINEO deliberately chooses a different course: focus on the administration, connect with your bank, but don't play bank.