Accounting Pricing
Comprehensive financial management services to support your business growth and everyday operations
2026 Pricing
One fixed monthly fee — no hidden software or transaction fees.
The package price includes financial management software, accounting transaction and processing fees, bookkeeping, VAT returns, advisory services, financial statements and tax returns, as well as standard onboarding.
More extensive transfer work, such as transferring historical data or catching up on overdue bookkeeping, is priced separately.
Most accounting firms charge separate fees for software, transactions and financial statements on top of their monthly fee — we don’t.
Pricing as of 4 August 2026, valid until further notice for new agreements. All prices are exclusive of VAT — the applicable VAT rate (25.5%) will be added to the prices.
Accounting Packages
Starter
Growth
- Most Popular
All-inclusive
Limited Company Supplement: +€12 / month.
Total price for a limited company:
Start €101 / month · Growth €201 / month · All-Inclusive €361 / month.
The limited company supplement includes balance sheet specifications, the 6B tax return with all required attachments, minutes of the annual general meeting and board meetings including profit distribution decisions, registration of the financial statements with the Trade Register, and verification of beneficial owner information.
The semi-annual review and quarterly report include the period’s income statement and balance sheet, a comparison with the previous year, and a brief commentary on what the figures indicate.
During the annual review meeting, we go through the financial statements, prepare for the upcoming financial year, and review the company’s tax situation and advance tax payments. The meeting is held remotely.
More than 90 accounting documents per month: we will prepare a tailored quotation.
The packages differ in service level, not in the price per accounting document.
With a higher-tier package, you get more advisory hours, faster response times, and more comprehensive financial reporting. Additional accounting documents are charged at the same rate across all packages, so we will not move you to a higher package unless it benefits you.
If your number of accounting documents increases permanently, we will review the situation together.
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.
Any accounting documents exceeding the package limit will be itemized as a separate line on the invoice, so you can always see exactly what you are paying for.
The manual processing surcharge is removed as soon as your materials are provided electronically — we will help you transition to digital processes during onboarding.
Multi-line documents (such as travel and expense claims and consolidated invoices) are counted based on the accounting entries: every two started accounting entry lines count as one accounting document.
- Accounting document exceeding the package allowance €3.00 / document
- Payslip, including the Incomes Register report €20.00 / payslip
- Adding an employee to the payroll system €15.00 / employee
- Electronic signature for documents (agreements, minutes, authorizations) €2.50 / document
- Manual processing surcharge (paper or email-based materials) €0.50 / document
- Late fee for overdue accounting materials €50.00
- Archiving service after termination of the agreement €29.00 / month
- Automatic integration with an online store or other system €36.25 / month / integration
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 Advisory Services 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 or phone
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 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.
- Setting up a limited company €249 + official fees
- Setting up a limited company when signing a 12-month accounting agreement at the same time €99 + official fees
- Setting up a sole trader business €99 + official fees
- Setting up a sole trader business when signing a 12-month accounting agreement at the same time €49 + official fees
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 along with the necessary user access and mobile app. This is why we can offer a fixed monthly fee without separate software or transaction charges.
Receipts can be 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 or you only need the software without accounting services, we will provide a separate quote.
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. Any documents exceeding the package allowance are invoiced afterwards based on the actual volume and reconciled at least every three months — also when the package fee has been invoiced for a longer period.
Excess items are therefore never included in an advance invoice, and you will always see exactly what you are paying for on a separate line.
Our agreements are subject to the Finnish Financial Administration Association’s general terms and conditions, TAL2023. 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
- Excess documents billed afterwards, reconciled at least every 3 months
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.