Accounting software for theUK, France & Germany
Finance software that actually makes sense. Invoicing, expenses, banking and tax filing — with built-in compliance for the UK, France and Germany. Built for modern SMBs who want less time on admin and more time growing.
Book a demoAre you an accountant? →
60-day trial on Professional · 30 days on other plans · No credit card · Cancel anytime
10
users included — no per-user fees
60
free trial, no card
3
countries supported
Revenue this month
£48,200
+12%
Outstanding invoices
£8,450
4 pending
Expenses
£12,180
-3%
Cash flow — last 6 months
Recent invoices
E-filing aligned with each market
Trustpilot reviews — add NEXT_PUBLIC_TRUSTPILOT_URL when your profile is live.
Built for businesses across the UK, France and Germany
Compliance you can trust — UK, France & Germany
Bank-level encryption
All data in EU centres (Frankfurt & London) — never leaves the EU
99.9% uptime target
Redundant, EU-hosted infrastructure
GDPR compliant
Audit trails, export & deletion on request
HMRC MTD approved
Making Tax Digital
30- or 60-day free trial
No card required
Sound familiar?
Running a business is hard enough
Most small businesses waste hours every week on finance admin. Finovo fixes that.
Without Finovo
- ❌Chasing overdue invoices manually every month
- ❌Switching between 4+ apps to run your business
- ❌Spending evenings on VAT returns and spreadsheets
- ❌Paying your accountant to do things software should do
- ❌Having no idea what your cash flow looks like
- ❌Paying your accountant to fix spreadsheet errors
With Finovo
- ✓Invoices sent, tracked and chased automatically
- ✓Everything in one place — invoicing, banking, taxes
- ✓VAT filed in two clicks, reports generated instantly
- ✓Accountant-ready workflows built into every step
- ✓Real-time dashboard, always up to date
- ✓Accountant-ready exports, always accurate
Simple by design
Up and running in minutes
No accountant needed. No lengthy onboarding. Just sign up and go.
Connect your bank account
takes 4 minutesLink your bank accounts, import existing data, and invite your team — it's faster than making a coffee.
Let Finovo do the work
Transactions categorised automatically. Invoices matched. Taxes calculated. Reports generated.
Get real-time insights from day one
Make better decisions with live financial data, while we handle compliance across the UK, France and Germany.
Built for three markets
One platform. Three countries. No compromise.
Whether you're in London, Paris, or Berlin — Finovo handles the compliance so you don't have to.
United Kingdom
HMRC Making Tax Digital (MTD)
Submit VAT returns directly to HMRC via the MTD API
Self Assessment
Personal tax filing support for sole traders and directors
GBP & EUR invoicing
Issue invoices in pounds or euros, auto-convert for reports
Payroll (BrightPay sync)
Run PAYE payroll via BrightPay sync — payslips, NI and pension auto-enrolment
France
DGFiP TVA filing (CA3)
Direct electronic submission to the Direction Générale des Finances Publiques
Facture électronique
E-invoicing built for France's 2026 reform
EUR invoicing
French-format invoices with all legally required fields
Liasse fiscale
Year-end tax pack exports ready for your expert-comptable
Deutschland
ELSTER VAT (ERIC API)
Direct Umsatzsteuervoranmeldung submission via the official ELSTER API
E-Rechnung / ZUGFeRD
XRechnung and ZUGFeRD e-invoicing — mandatory for B2B since Jan 2025
DATEV export
One-click DATEV export for your Steuerberater — no manual work
EÜR / GuV reports
Einnahmenüberschussrechnung and profit & loss in German format
All compliance features are included in every plan. See pricing →
Free tools
Try the free tools — no signup
Useful on their own, whether or not you ever open a Finovo account.
See it in action
See Finovo in action — 90 seconds
Watch how fast you can create an invoice, connect your bank and file VAT — all in one platform.
Mobile apps
Finovo in your pocket — iOS & Android
Native apps are in development. Join the waitlist to get early access and help shape receipt capture, approvals and dashboards on the go.
- ✓Approve expenses and chase invoices from your phone
- ✓Snap receipts with the camera — synced to your ledger instantly
- ✓Same UK, France and Germany compliance as the web app
- ✓Push notifications for payment and filing reminders (where supported)
Finovo’s responsive web app already works on phones and tablets until the native apps launch.
Everything you need
Everything you need, nothing you don't.
Pick an area to preview how Finovo works — then open the full feature guide for every workflow.
Invoices that chase themselves
Send polished invoices and quotes in seconds, then let automatic reminders do the chasing so cash lands in your account.
Link every line to customers, projects and tax codes so month-end stays clean without spreadsheet archaeology.
- Quotes, credit notes, delivery notes and recurring billing in one flow
- Client portal for approvals and online payment
- Multi-currency with live rates when you invoice abroad
- Templates and branding that match how you actually sell
How we compare
One platform. Three countries.
No competitor does that.
Every tool we've compared against is strong in one market. Finovo is the only platform that handles UK, French and German compliance — invoicing, tax filing and payroll sync — in a single subscription.
HMRC Making Tax Digital
DGFiP TVA — direct filing
ELSTER VAT — ERIC APITransparent pricing
Plans for every stage
Free trial on every paid plan — 60 days on Professional, 30 days on Starter, Premium, Business and Enterprise. No credit card required. Save up to 20% with annual billing.
Starter
For freelancers and sole traders — VAT filing included, no accountant needed.
- 3 users included
- VAT filing — 1 country (UK, Germany, or France)
- Unlimited invoices & quotes
- 3 bank connections
- 50 OCR scans / month
- Bank reconciliation
- Basic reports (P&L, VAT, Balance Sheet)
- Document storage
- Email support
30-day free trial · No credit card required
Professional
The smart choice for growing teams — all 3 countries, 10 users, full accounting.
- 10 users included
- Everything in Starter
- 5 bank connections
- 200 OCR scans / month
- Recurring invoices (automatic)
- Client portal
- SEPA payments
- Journal entries & double-entry
- 7 standard reports
- Tax automation (VAT filing)
- CIS (Construction Industry Scheme) — UK
- Self Assessment & Corporation Tax prep — UK
- Payroll (BrightPay sync)
- 5 custom invoice templates
- Analytics dashboard
- Priority email support
60-day free trial · No credit card required
Premium
For a single established company that needs more power — unlimited banking, advanced reports and priority support.
- 20 users included
- Everything in Professional
- Unlimited bank connections
- 500 OCR scans / month
- Branded client portal
- Full REST API access
- Unlimited custom accounts
- 15+ advanced reports
- Full tax auto-filing
- Unlimited currencies
- Expense approvals & workflows
- Custom roles & permissions
- Priority support (<4h)
30-day free trial · No credit card required
Business
For multi-entity businesses — manage up to 5 companies and 35 users in one place.
- 35 users included
- Everything in Premium
- Up to 5 companies (multi-entity)
- 1,000 OCR scans / month
- Full API access
- Unlimited bank connections
- Dedicated account manager
30-day free trial · No credit card required
Multi-entity, multi-country, white-label — built to scale. Talk to us.
Custom
Tailored to your organisation
Everything in Business, plus
- 40 users included
- Everything in Business
- 10 companies (multi-entity)
- Unlimited banks & OCR scans
- Multi-entity consolidation
- Dedicated account manager
- Priority support (same business day)
- SSO & IP whitelisting
- Advanced compliance & audit
- White-label option
- 99.9% uptime target
- ✓No credit card required for trial
- ✓Cancel anytime, no lock-in
- ✓All plans include UK, France and Germany compliance
- ✓30-day money-back guarantee
- ✓Switch plans anytime — upgrades take effect immediately
- ✓Your data is always yours — export any time
Prices in GBP, excl. VAT. EUR pricing available for 🇩🇪 Germany and 🇫🇷 France.
Are you an accountant or bookkeeper?
Manage all your clients in one place. Free practice account. Real-time data.
What you get
- Free practice account — no monthly fee
- Multi-client dashboard
- DATEV export for German clients
- MTD-ready for all UK clients
- 20% commission for 12 months per referred client
Your clients get
- Accountant-ready reports
- Shared access with role controls
- No more emailing spreadsheets
- Real-time data, always current
From the blog
Latest guides
Making Tax Digital for landlords: complete guide for 2027
MTD for Income Tax Self Assessment is mandatory for landlords from April 2027 if your rental income exceeds £30,000. Quarterly digital updates replace the annual Self Assessment return. Here is exactly what you need to do — and how to prepare now.
· 7 min read
Tax & ComplianceCIS deductions explained: complete guide for UK subcontractors 2026
The Construction Industry Scheme requires contractors to deduct tax from subcontractor payments before they are made. This guide explains the three deduction rates, how to register, when to file CIS300, and how to reclaim overpaid CIS tax at year-end.
· 8 min read
Tax & ComplianceHow to file your Self Assessment tax return online: 2026 guide
Who needs to file a Self Assessment, the key HMRC deadlines, how to file online step by step, and how Making Tax Digital changes it from April 2026. A plain-English guide for sole traders and landlords.
· 9 min read
Got questions?
Frequently asked questions
Everything you need to know about Finovo, billing and compliance across the UK, France and Germany.
Still have questions?
Can't find the answer you're looking for? Our team is happy to help.
Get in touchReady to take control of your finances?
UK, France and Germany compliance built in. No accountant required for day-to-day finances.