Finance stress looks different in every industry.
A solo professional has different worries than an e-commerce shop with 15 employees. A medical practice deals with different retention rules than an IT agency. We come with presets for the segments where the orientation pain is sharpest.
Seven segments, seven presets
Each segment comes with adjusted receipt categories, industry-typical tax-reserve ratios, and calibrated deadline sets. You can adjust everything — but you don't start from zero.
Solo professionals & freelancers
Cash-basis accounting (EÜR) instead of full balance sheet, constant Kleinunternehmer question, quarterly VAT, high density of meals and travel receipts. We help you not miss the Kleinunternehmer threshold and build reserves early enough.
Agencies
Project-based revenue, high variation, sub-contractor invoices, travel-cost complexity. Cashflow forecast by project phase, sub-contractor receipts structured, margin overview per client.
E-commerce
EU One-Stop-Shop (OSS), EU VAT rules, platform payouts (Amazon/Shopify), returns and discounts, inventory. We show what's OSS-reportable and which reserve ratio fits your margin.
IT & SaaS founders
Reverse-charge incoming invoices from abroad, MRR forecast, EXIST/INVEST grants, R&D tax allowance, employee equity. We surface which receipts the funding office needs and which deadlines threaten the grant.
Consultants & coaches
Fee structures (day rate, retainer, success fee), travel costs, online workshop recordings. See cashflow ahead of time instead of getting surprised mid-quarter by the income-tax pre-payment.
Healthcare practices
Private and statutory insurance billing, GOÄ/GOZ complexity, patient-record retention (10+ years per §147 AO and §57 BMV-Ä), practice peculiarities in efficiency reviews.
Sole-trader trades
Material and hour billing, deposits, discounts, seasonal variation, guild dues. Scan receipts on site, write invoices from the truck, plan cashflow despite fluctuating order volume.
Presets that learn with you
Every vertical preset starts with industry data — but as soon as you enter your own receipts, the profile adapts to your actual business reality.
Industry receipt categories
Which categories you actually need — curated per industry. Not a 200-account chart, but the 15 to 25 that appear in your world.
Reserve ratios calibrated
What's the typical income-tax reserve in your industry? When does trade tax kick in? Which special situation applies to healthcare or consulting? Rules of thumb with source references.
Deadline set per legal form
Cash-basis or full balance sheet, monthly or quarterly VAT, payroll frequency, mandatory commercial-register publication. Automatically correct per legal form.
Compliance prompts
Retention periods per §147 AO (10 years for accounting records, 8 for commercial correspondence), GoBD compliance, industry-specific special rules. We remind, document — without advice.
Your industry not listed?
Even if you don't see a perfect match here — the five building blocks work in any solo or SME context. Let's talk for thirty minutes.