Everything in one place
Everything you need to run your finances.
Across three countries — one platform for selling, buying, banking, tax, accounting, reports and compliance.
Time & money
How much could you reclaim?
Slide a few assumptions — see an indicative range for hours and equivalent value you might get back each month with one finance stack instead of manual work.
Your indicative estimate
Around 18.6 hours per month back in the business
Roughly £652 per month in equivalent productive time
Illustrative model only — not a promise or financial advice. We apply a typical blended hourly rate (£35, €40, or €38 depending on language) to turn reclaimed hours into money; your real rate and savings will vary.
Sell
7 features
From quote to cash: invoices, subscriptions and a branded client portal in one flow.
Invoices
Create professional invoices in seconds. Add your logo, payment terms and bank details. Send by email or share a payment link.
Quotes
Turn quotes into invoices with one click. Track quote acceptance rates and follow up automatically.
Credit Notes
Issue full or partial credit notes against any invoice. Automatically reconciled against your ledger.
Delivery Notes
Generate delivery notes directly from invoices or orders. Keep your fulfilment and finance in sync.
Purchase Orders
Create and track purchase orders. Match them to supplier invoices for a complete approval workflow.
Recurring Invoices
Set up subscription billing and retainers. Invoices generated and sent automatically on schedule.
Client Portal
Give customers a branded portal to view, download and pay invoices online. Reduce chasing emails.
Buy
4 features
Capture receipts, approve spend and stay audit-ready without spreadsheet chaos.
Expense Tracking
Snap receipts with your phone. AI reads the amount, date and category automatically. No manual entry.
Purchases
Record supplier invoices and bills. Track what you owe, when it's due, and keep cash flow under control.
Expense Approvals
Set up multi-step approval workflows for employee spend. Full audit trail on every decision.
Mileage & Per Diem
Log business trips and claim mileage at HMRC or local tax authority rates.
Banking
4 features
Connect banks, reconcile in minutes and pay suppliers in bulk with confidence.
Bank Connections
Connect to thousands of UK and European banks via open banking. Transactions imported automatically every day.
Transactions
Every bank transaction categorised automatically with AI. Review, edit and split transactions in one view.
Reconciliation
Match bank transactions to invoices, bills and expenses with one click. Catch discrepancies instantly.
SEPA Payments
Create SEPA XML payment files to pay multiple suppliers in one batch directly from your bank.
Tax
1 feature
File VAT with HMRC MTD, French DGFiP and German ELSTER — without leaving Finovo.
Tax Filing
File VAT returns directly to HMRC MTD, French DGFiP or German ELSTER — without leaving the app.
Accounting
6 features
Core ledger, payroll, assets and cost control built for growing teams.
Chart of Accounts
Full double-entry bookkeeping with a customisable Chart of Accounts. Built for HMRC, DGFiP and ELSTER.
Journal Entries
Post manual journal entries with full double-entry. Every entry is auditable and reversible.
Payroll
Run payroll for UK, French and German employees. Auto-calculates PAYE, NI, pension and local deductions.
Fixed Assets
Register fixed assets, choose depreciation method, and let Finovo post the entries automatically.
Cost Centres
Allocate income and expenses by department, project or location for granular P&L reporting.
Budgets
Set monthly or annual budgets for any account. Track actuals vs budget in real time.
Reports
6 features
P&L, balance sheet, VAT books, dashboards and custom cuts — always current.
P&L Statement
Real-time Profit & Loss statement. Filter by period, cost centre, project or currency.
Balance Sheet
Always up-to-date Balance Sheet. Export to PDF or Excel for your accountant or investors.
Cash Flow Statement
Understand where money comes in and goes out. Plan future cash positions with rolling forecasts.
VAT Return
One-click VAT calculation and export. Drill down to see every transaction included in the return.
Analytics Dashboard
Visual KPIs, trend charts and business health scores. See the big picture at a glance.
Custom Reports
Build reports from scratch using any combination of accounts, dates, dimensions and filters.
Compliance
4 features
Documents, OCR, audit trails and GDPR-friendly controls in EU-hosted infrastructure.
Document Storage
Upload and organise contracts, receipts, payslips and statements in one secure place.
OCR Scanning
Point your camera at any document. Finovo extracts key data and links it to the right transaction.
Audit Log
Every action logged with user, timestamp and before/after values. Export for compliance reviews.
GDPR Compliance
Data stored in EU data centres. Full data portability and right-to-erasure workflows built in.
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.
Simple, transparent pricing
Every plan includes UK, France and Germany — pick the tier that matches your stage.
View pricingReady to try it all for free?
60-day trial on Professional · 30 days on other plans · No credit card · Cancel anytime.