Comparison
Finovo vs Tiime
Tiime is popular with French freelancers and micro-businesses for its simplicity and free plan. Here’s what changes when your business grows or goes international.
| Feature | Finovo | Tiime |
|---|---|---|
| Starting price | £15/mo · €18/mo | Free (basic plan) · €14.90/mo (full) |
| French VAT (DGFiP / CA3) | Included — direct DGFiP API submission | Yes — CA3 preparation, submission via accountant |
| UK VAT (HMRC MTD) | Included — direct MTD submission | Not supported |
| German VAT (ELSTER) | Included — ERIC API | Not supported |
| French Payroll (DSN/URSSAF) | Included from Professional plan | Not native — via accountant integration |
| UK Payroll (PAYE/RTI) | Included from Professional plan | Not supported |
| Full tax return (liasse fiscale) | Export for accountant | Native accountant collaboration — a strength |
| Open banking | 2,400+ UK & EU banks — daily sync | French banks — daily sync |
| Invoicing | Invoices, quotes, credit notes, delivery notes, orders | Full invoicing — suited for micro-businesses |
| Receipt capture (OCR) | AI OCR — mobile + web | Yes — receipt scan via mobile app |
| Bank reconciliation | AI — automatic match suggestions | Yes — automatic categorisation |
| Multi-currency | 50+ currencies — live ECB/BoE rates | Limited — EUR focused |
| Client portal | Yes — online payment portal | Payment link sharing |
| EN / FR / DE interface | Yes — three languages | French only |
| Free trial | 30 days — no card required | Free plan available (limited features) |
Our honest take
Tiime is excellent for micro-businesses. Its free plan covers basic invoicing, and its clean interface is designed for freelancers who aren’t accountants. If you’re just starting out, it’s a risk-free entry point.
Finovo becomes the right choice when your needs go beyond basic invoicing: direct DGFiP submission (not via accountant), payroll with DSN, UK or German operations, multi-currency, or a full double-entry ledger. Tiime’s collaboration model requires an accountant for many compliance steps; Finovo lets you handle them directly.
On price, Tiime wins at entry level with a free plan. But Finovo’s €18/mo includes features that would require Tiime’s paid plan plus accountant fees to replicate.
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