Accounting Pricing
Comprehensive financial management services to support your business growth and everyday operations
2026 Pricing
A monthly price you know in advance. The price includes the accounting software, day-to-day bookkeeping, VAT returns, advisory, the financial statements and the tax return. Most accounting firms invoice the software and the financial statements separately on top – we don’t. No overage lines appear on the invoice, and there is no surcharge for a limited company.
Pricing as of 6 September 2026, valid for new agreements. All prices exclude VAT – the applicable VAT (25.5%) is added.
Accounting Packages
Prices Light / Full, VAT 0%
Vouchers per month
Included
Light suits an entrepreneur who pays invoices in their own online bank and sends material to the software’s own email address. Full adds e-invoicing, the payment of your purchase invoices and the mobile app. When the step changes, you get a notice – not an invoice. For the first three months the step is checked monthly; after that from a three-month average, quarterly. The price moves in both directions, changes are announced in advance and are never invoiced retroactively.
One-off charges
One-off charges
- Onboarding – opening the environment, chart of accounts, user rights and bank connection 149,00 €
- Migration of earlier data: archive and opening balances 90,00 €
- + material at annual level + 50,00 € / financial year
- + material at monthly level + 90,00 € / financial year
- + material at voucher level 180,00 € for the first, + 90,00 € for each following financial year
- Manual transfer from a system that cannot be imported 60,00 € / h
Your earlier material does not have to be in the new system: the retention obligation
is met by the archive, and the comparison figures come with the opening balances. Migration means moving completed bookkeeping; bookkeeping that has not been done is catch-up work.
Larger or non-standard migrations are priced case by case, and the price is always agreed in advance.
Billed Separately
Billed Separately
Delivery of accounting materials: Businesses that file VAT returns monthly must submit their accounting materials by the 10th of the following month. Businesses that file quarterly must submit their materials within 10 days of the end of the quarter.
A late fee will be charged for overdue materials, and statutory reporting deadlines cannot be guaranteed in such cases.
The manual processing surcharge is removed as soon as your materials are provided electronically — we will help you transition to digital processes during onboarding.
A voucher is a dated and numbered document evidencing a business transaction: a sales or purchase invoice, receipt, bank statement entry, payslip, travel or expense claim, or memorandum voucher. A monthly summary invoice or sales report is a single voucher even if it contains dozens of purchases we help arrange it.
- Payslip, including the Incomes Register report €20.00 / payslip
- Adding an employee to the payroll system (external employee) €15.00 / employee
- Electronic signature for documents (agreements, minutes, authorizations) €2.50 / document
- Manual material surcharge (paper, or material sent to our own email) – not charged for material sent to the software's own address.
- Late fee for overdue accounting materials €50.00
- Archiving service after termination of the agreement €29.00 / month
- Integrations with an online store or other systems are priced case by case.
- Financial statements and tax return as a separate assignment, when you do the bookkeeping yourself €60.00 / h, min. 2 h
- Accountant's certificate for an authority €35.00
Hourly Work
Hourly Work
Catch-up bookkeeping means bringing previous accounting periods, covering the time before the agreement began, up to date. This is always carried out as part of the onboarding process, and we provide a written estimate in advance. Minimum charge: 2 hours.
Specialist services — including tax planning, corporate restructuring, calculations, analyses and document preparation — are billed at an hourly rate or quoted separately. We always provide an estimate in advance.
- Standard hourly rate — work beyond advisory services, consulting and training €60.00 / hour
- Catch-up bookkeeping and organizing accounting materials €90.00 / hour
- Urgent service, delivery within 24 hours + 50%
What Is Advice and What Is Consulting?
What Is Advisory Services and What Is Consulting?
Rule of thumb: if the answer is a sentence, it is advice. If it results in a calculation, document or plan, it is consulting. The number of advisory hours is an indicative limit — if it is exceeded, we will discuss any additional work with you in advance, and we will never send a surprise invoice. Unused advisory hours do not carry over to the following year.
Advice — included in the package
- How to process this receipt or invoice and which VAT rate applies
- Submitting documents and using the system
- Reading your monthly report
- Deadlines and reporting obligations
- Brief answers by email (by phone in Finnish)
Consulting — €60 / h or a fixed fee
- Tax planning
- Corporate reorganisations and changes to the legal form of the company
- Profitability, pricing and investment calculations
- Budgets and cash flow forecasts
- Financial appendices for financing applications
- Correspondence with authorities and responses to requests for clarification
- Preparation of contracts and other documents
- Business plan
Business Setup
Business Setup
Includes incorporation documents, registration notifications (Trade Register and VAT, Prepayment Register and Employer Register), a chart of accounts and initial advice. Official fees: PRH (Finnish Patent and Registration Office) €240 for a limited company, €70 for a sole trader. Official fees are not included: PRH (Finnish Patent and Registration Office) invoices them directly to the company according to its own price list.
- Setting up a limited company €249
- Setting up a limited company when signing a 12-month accounting agreement at the same time €99
- Setting up a sole trader business €99
- Setting up a sole trader business when signing a 12-month accounting agreement at the same time €49
One System, One Price
One System, One Price
Our package prices are based on one carefully selected accounting software solution, which is included in the price together with its user rights. This is why we can offer a fixed monthly fee without separate software or transaction charges.
On the Full level, receipts are photographed with your phone, purchase invoices are sent directly to the system, and bank transactions are transferred automatically from your bank.
If your company already uses another accounting software solution, we will provide
a separate quote. Software alone without the bookkeeping service: NoCFO from us
at €49 / month (VAT 0%).
Your business bank account is always a separate agreement between your company and the bank, and the bank will invoice you directly — it is not included in the monthly fee. We can help you choose a suitable account and connect it to your accounting.
Payment Terms
Payment Terms
The package fee is always invoiced in advance for the selected billing period. Our agreements are subject to the general terms and conditions TAL2023 of Taloushallintoliitto (the Association of Finnish Accounting Firms). Late-payment interest and collection costs are charged in accordance with the Interest Act.
- Payment term 14 days net
- Billing interval — you choose monthly · every 3 months · every 6 months · annual payment
- New customers: package fee always billed in advance; the billing period is agreed upon at the start
Supplier Price List
Supplier Price List
We only accept e-invoices. Documents, insurance correspondence and other mail should be sent by email to info@pankainvesting.fi. We do not accept paper invoices or letters.
- E-invoicing address (OVT) 003732513919
- Intermediary ID 003708599126 (OpenText)
- Business ID / VAT number 3251391-9 / FI32513919
- Processing fee for a paper invoice or letter €150.00 / letter
If you do not yet have e-invoicing in place, please contact us — we will agree on the appropriate procedure.