Our Services

Comprehensive financial management services to support your business growth and day-to-day operations

Panka Investing

How We Work

The same accountant handles your company’s affairs from start to finish — you don’t have to explain your situation to a different person every time.
Your bookkeeping progresses as your documents come in: if you submit your receipts in real time, your books will be up to date in real time too — monthly bookkeeping is the deadline, not the goal.
We respond to your questions within the timeframe included in your service package, typically within 1–5 business days.
We reconcile the accounts and go through our checklists every month before sending the report to you.
We store your documents in a digital archive and restrict access rights on a system-by-system basis.
We are a partner of Fennoa, Netvisor, Procountor, NoCFO, and Holvi, as well as an accounting firm partner of the Association of Finnish Accounting Firms.

Specialist Expertise

We do not limit our services to any particular industry — we provide financial management services regardless of your field of business. We have particularly extensive experience with expert and consulting firms, investment activities and holding companies, agricultural support services and farm relief services, restaurants and service businesses, construction and demolition, e-commerce, and the social and healthcare sectors.

For companies engaged in investment activities, we handle the accounting entries for securities transactions, acquisition costs, and foreign exchange differences, so you do not have to work them out yourself. In e-commerce, we also have expertise in the margin scheme for second-hand goods.

We also provide financial management services for housing companies, assist with setting up new businesses, and take care of overdue bookkeeping. We also serve clients in English.

A brief overview of our pricing

Simple packages that include everything you need: Start €89/month, Growth €189/month, and All-Inclusive €349/month (+ VAT). For limited companies, an additional €12/month is charged.

All packages include bookkeeping, the financial management system, bookkeeping transaction and intermediary fees, VAT and tax returns, advice according to the package, standard onboarding, and annual financial statements — with no separate system or transaction fees on top.

Each package includes a specified number of receipts; any receipts exceeding the included amount are billed separately. More extensive transfer work, such as transferring historical data or catching up on overdue bookkeeping, is priced separately.

Monthly Service

The fixed monthly fee covers your ongoing financial management in full — including the annual financial statements and tax return. There is no separate annual financial statement invoice in the spring, and no additional charges for the software or transaction fees.

Daily and general ledger accounting, transaction coding, and reconciliations
Automatic retrieval and matching of bank transactions
VAT calculation and timely VAT returns
Accounts receivable: payment allocation and receivables monitoring
Accounts payable: invoice processing, coding, and approval workflow
Annual financial statements and tax return included in the monthly fee
Monthly reports: income statement, balance sheet, and key performance indicators — more comprehensive financial reporting depending on the package.
Financial management software, mobile app, and bookkeeping transaction and intermediary fees are included in the price.
For limited companies, an additional limited company fee applies: balance sheet specifications, the 6B tax return with its appendices, minutes of the general meeting and board meetings, filing of the financial statements with the Finnish Patent and Registration Office (PRH), and verification of beneficial owner information.
Fennoa, Netvisor, Procountor, or NoCFO — we choose the best fit for your business.

Invoicing and Payroll

In addition to the monthly service, we also handle sales invoicing and payroll. These services are billed based on actual usage, as the volume varies from month to month.

Payroll calculation, pay types, allowances, and deductions
Holiday and absence management, travel expenses, and expense reimbursements
Incomes Register reporting and breakdown of statutory payments
Scheduling and monitoring of employer payments
Payroll is priced based on the number of payslips — see our pricing page for current rates.
Creation and sending of sales invoices by e-invoice, email, or through a printing service
Payment reminders and late-payment interest calculation
Branded invoice templates, product and customer registers
Invoicing services are always agreed separately.

One-Off Services

Not all services are included in the monthly package. These services are priced separately, and you will always receive a written estimate in advance.

Setting up a limited company or sole proprietorship: reviewing the company form and tax arrangements, preparing the incorporation documents, and handling registrations with the Business Information System (YTJ), VAT Register, and Prepayment Register.
Planning the first financial year and chart of accounts, as well as setting up the accounting software
Company setup is more affordable when you also sign a bookkeeping agreement with us — see our pricing page for current rates.
Catch-up bookkeeping: bringing overdue bookkeeping up to date and organizing the accounting materials. Catch-up work always requires establishing a client relationship, and a written estimate will be provided in advance.
Document preparation: employment contracts, meeting minutes, and other documents required by your company.
Electronic document signing

Advice and Consulting

The monthly service includes advice: we answer questions about receipts, VAT rates, deadlines, and how to read your financial reports.

The rule of thumb is simple: if the answer fits in a sentence, it is advice. If it requires a calculation, document, or plan, it is consulting.

Included in the package: document processing, VAT-related questions, use of the accounting system, deadlines, and reporting obligations.
Included in the package: brief answers by email or phone, and a review of your monthly financial report.
Consulting: tax planning, salary vs. dividends, and determining the appropriate amount of advance tax.
Consulting: budgets, cash flow forecasts, profitability, pricing, and investment calculations.
Consulting: corporate restructuring, changes to the company structure, and financial attachments for financing applications.
Consulting: correspondence with authorities, requests for clarification, and requests for rectification.
The number of hours included in the consultation and the hourly consulting rate are shown in the price list. The limit is not monitored by the clock — if the allocated time is exceeded, we will discuss it with you in advance rather than automatically issuing an additional invoice.

Onboarding and Switching Accounting Firms

Switching accounting firms is easier than many people think, and it does not have to be timed to the end of the financial year — you can switch even in the middle of the financial year.

In practice, we only need two things from you: notification to your current accounting firm and authorization to release your accounting materials.

We will review the notice period in your current agreement and agree on the timing of the switch.
We request the accounting materials and balances from your previous accounting firm — your accounting records belong to you.
We set up the system and transfer the opening balances so that your bookkeeping continues without interruption.
Assessment of your current setup and data migration, also when moving from paper-based or Excel-based accounting to digital financial management.
User access rights, approval workflows, and automations set up correctly from the start.
Training for you and your team — including how to use the mobile app.
We agree on a monthly workflow: what you handle and what we take care of.
Standard onboarding is included in the monthly fee; more extensive data migration and transfer work is priced separately.

Other Ways to Work With Us

If the package isn’t right for you

Not everyone wants to outsource their entire accounting — and that’s perfectly fine with us. Tell us about your situation, and we’ll figure out what makes the most sense for you.

Software without accounting services — if you handle your accounting yourself, we’ll provide you with the financial management software and help you get started. Choose from Fennoa, Netvisor, Procountor, and NoCFO.
Work in your own system — if your company already has financial management software and an established way of working, we’ll work within it. We won’t force you to switch systems.
Custom offer — if our packages don’t meet your needs, for example if you have a high volume of transactions or only need part of the service, we’ll prepare a tailored offer for you.