Summer is the right time to check how your business is really doing. Six questions that give you a clear picture, and tell you what to do next.

Selling online creates specific bookkeeping challenges: payment processors, EU VAT rules, returns, and stock. Here's how to handle them without losing track.

Slug: ecommerce-bookkeeping-finland

Thinking about switching accounting software? Here's when it makes sense, whether you can do it mid-year, and exactly what the process looks like in practice.

Registering a Finnish limited company requires no minimum share capital and no notary. We walk through the full registration process, costs, and what to sort out straight after you receive your Y-tunnus.

Finland's startup grant provides around €740/month for up to 12 months to new full-time entrepreneurs. The application must be submitted before starting — here's everything you need to know.

Bookkeeping isn't inherently difficult, it's just built wrong. Most accounting tools were designed for accountants, not entrepreneurs. Here's why it feels so heavy and what modern software does differently.

AI automates the routine work of bookkeeping: categorisation, reconciliation, and reporting. The entrepreneur's role shifts from data entry clerk to reviewer. Here's what that looks like in practice.

Finnish startup NoCFO has launched Luca, an AI agent that works like a pocket CFO for small business owners. Luca can answer bookkeeping questions, create invoices, and give data-driven financial recommendations. CEO Teemu Karuluoto believes AI will replace the majority of small business accountants within five years.

A business plan isn't just for banks or investors — it helps you think through your idea before spending money. Here's the structure, what to include, and what matters most in the Finnish context.

A sole trader tax return in Finland covers business income, expenses, and YEL contributions. Here's exactly what to prepare, how the calculation works, and what the deadline is.

Tom knew his accounting, he just needed the right place to do it. Here's a look at how he made it a simple monthly routine with the help of NoCFO.

Dividends from a Finnish limited company are taxed favourably up to 8% of net assets. We explain how the calculation works, how dividends are taxed, and when they make more sense than salary.

A toiminimi can be registered for free. An Oy costs more. We break down the real costs from registration to YEL insurance.

In Finland, an invoice is a legal document. If mandatory fields are missing, your client may not be able to claim back VAT. Here's everything you need to know.

A sole trader in Finland can hire employees, but it brings significant new obligations. We walk through every step: registrations, insurance, payroll calculations, and reporting requirements.

Underpricing is the most common mistake Finnish freelancers make. Here's how to calculate a rate that actually covers your costs, plus the three main pricing models and how to raise your rates over time.

Accounting law requires data to be kept for up to 10 years — so tickets and tags can't lie where they happen. At NOCFO, vouchers are stored electronically, encrypted and backed up within the EU. We use the EU services of Amazon Web Services, and your data is always safe.

Forget confusing filenames and manually combining receipts! NOCFO's new Smart Receipt Detection leverages artificial intelligence to find the right receipt for the right transaction automatically — even without sensible filenames.

Choosing between a sole trader structure and a limited company affects your taxes, liability, and how much admin you're taking on. This guide breaks down the real differences and helps you figure out which one makes sense for where you are right now.

NOCFO received a new table view that now makes managing your account map even easier and faster. You can edit, add, or hide visible accounts to speed up logging by removing unnecessary selections. If your business starts using NOCFO in the middle of a financial year, you can now also conveniently enter initial balances directly in the table view. All accounts are available, but only those you choose are displayed in the posting options. 👉 You can find the table view in the Accounts tab in the upper right corner. Clearer chart of accounts, smoother accounting. Test the new view today!

NOCFO Summer Updates: One-click VAT notification, affordable business accounts, and unlimited expert support in the new Pro package. Read all summer 2025 updates and offers!

A financial year is the basic accounting period for any business. We explain what it means, how it's chosen, and what you need to do when it ends.

Suomessa ALV-rekisteröinti tulee pakolliseksi, kun vuotuinen liikevaihto ylittää 15 000 euroa. Mutta kyse on muustakin kuin pelkästä rajasta — vapaaehtoisen rekisteröinnin hyödyt, arjen muutokset ja takautuvan velvoitteen välttäminen kannattaa tietää etukäteen.

Freelance bookkeeping doesn't have to eat your evenings. Learn why self-employed professionals struggle with financial admin, what modern bookkeeping software actually does, and how to keep your accounts accurate without an accounting background.

It all started with a vision: could anyone handle the accounting of their small business easily without a degree or pointless adjustment? Without lost receipts or surprising financial expenses. A real-time view of how your business is faring—all in one app. The first version of this vision is now ready for testing and use. It's not perfect yet, but the direction is right -- and the journey is already well underway.

Profit and cash flow are not the same thing. We explain the difference and show you how to track cash flow without any accounting background.

Oikea kirjanpito-ohjelmisto säästää tunteja ja satoja euroja kuukaudessa. Tässä oppaassa vertailemme Suomen suosituimmat vaihtoehdot freelancereille ja pienyrittäjille.

do you hose the guy who likes to try streaming services just for a free episode or go to a car dealership to kick tires? Good news: we have a feature built just for you — DemoOy.

Smart Receipt Recognition We harnessed artificial intelligence for receipt recognition to make accounting a step easier again. Perhaps even the largest job site in accounting, it is always to find the right receipt for the right transaction among several files.

Kahdenkertainen ja yhdenkertainen kirjanpito kuulostavat monimutkaisemmilta kuin ovat. Selitämme, mitä ne tarkoittavat, kumpi sopii sinun yritysmuodollesi ja miten tekoäly tekee kahdenkertaisesta kirjanpidosta helppoa myös ilman kirjanpito-osaamista.

An accountant can cost a small business owner hundreds of euros a month. But is it always necessary? We break down the options clearly.

Sole traders don't pay themselves a salary the same way employees get paid. We explain how private withdrawals work and what that means for tax.

Revenue, gross profit, EBIT, net profit — a P&L has a lot of moving parts. This guide walks through each section in plain language, explains what to look for when you review yours, and clears up the common confusion between profit and cash.

Starting a business in Finland is more straightforward than most people expect, but knowing the right steps makes all the difference. This guide covers everything from choosing a business structure and applying for the startup grant to setting up your finances from day one.

Since work involves getting paid, we have, together with Palkkaus.fi, brought a new feature to NOCFOO: payment of wages from one place. You pay your wages and at the same time handle government notifications and accounting automatically.

Smart Receipt Recognition We harnessed artificial intelligence for receipt recognition to make accounting a step easier again. Perhaps even the largest job site in accounting, it is always to find the right receipt for the right transaction among several files.

NOCFO Flex and Business – Business Accounts Now Available in Partnership with Holvi. NOCFO is launching new business accounts that combine Holvi’s reliable banking services with NOCFO’s automated bookkeeping. The Flex and Business accounts offer entrepreneurs an easy-to-use and cost-effective way to manage finances and bookkeeping in a single view.

“I wonder how the registration of the new laptop went?” A familiar feeling, right? Accounting questions can surprise anyone. That's why NOCFO now has real-time chat, where you can get quick answers without feedback forms or waiting for an email.

Bookkeeping no longer requires you to know how bookkeeping works. This article explains how AI handles the heavy lifting and what that means for small businesses.

A practical guide to deductible business expenses in Finland for freelancers and sole traders. Covers equipment, home office, travel, meals, software, marketing, and more — including what you can't deduct and how to stay on top of your receipts.

Although NOCFO is designed for self-help use by the small entrepreneur, there are times when outside help can save time and nerves. Now you can take advantage of NOCFO's modern tools even when accounting is done for you.