Services

One system
behind your financial control

From onboarding to reporting and funding — a structured process that turns your finances into a clear, scalable system.

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01 · Accounting & Compliance 02 · Financial Strategy 03 · Capital & Funding
01
Core service

Accounting & Compliance

Fully digital accounting that keeps you compliant and in control — month after month, audit after audit.

01.1/04
01.1

Bookkeeping

We capture and reconcile every transaction inside a structured digital ledger — from daily expenses to year-end closing. Always up to date, always audit-ready.

What's included

  • Daily transaction recording across bank accounts and cards
  • Bank reconciliation matched to every statement line
  • Chart of accounts customised to your business
  • Monthly trial balance & closing checks
  • Digital archive of every receipt and invoice
  • Year-end closing & financial preparation

Why it matters

  • Know exactly where every euro goes
  • No last-minute tax chaos
  • Audit-ready, always
01.2

Payroll

Salaries, contributions and HR paperwork — handled with full local compliance and zero late-night spreadsheets. Your team gets paid on time, every time.

What's included

  • Monthly salary calculations with all benefits and deductions
  • JOPPD form preparation, filing and reconciliation
  • Health (HZZO) and pension (MIO) contributions
  • Employee contracts, annexes and termination paperwork
  • Vacation, sick leave and maternity tracking
  • Year-end PK-1 and IP-1 forms

Why it matters

  • 100% labour-law compliance
  • Correct payslips, every month
  • No paperwork, no missed deadlines
01.3

Tax Compliance

Tax law evolves constantly — we track every change so you don't have to. Filings stay correct, tax-efficient and inspection-ready.

What's included

  • Monthly and quarterly VAT (PDV) returns
  • Annual corporate income tax (PD form)
  • Withholding tax on dividends, royalties and services
  • Cross-border VAT and OSS filings
  • Tax planning to optimise legal deductions
  • Representation during tax inspections

Why it matters

  • Zero penalty exposure
  • Lower effective tax, legally
  • Confidence during inspections
01.4

Financial Reporting

Clear monthly, quarterly and annual reports built around the KPIs that actually run your business. Spot problems early and present investor-grade financials on demand.

What's included

  • Monthly Profit & Loss with category breakdown
  • Balance sheet with assets and equity tracking
  • Cash-flow statement (direct & indirect)
  • Custom KPI dashboard
  • Variance analysis vs budget
  • Quarterly business review pack

Why it matters

  • Decisions in real time
  • Spot problems early
  • Investor-grade, on demand
02
Management layer

Financial Strategy & Management

Turn numbers into decisions — full visibility over cash flow, costs and performance, in real time.

01.1/04
02.1

Cash Flow Management

Cash kills businesses, not profit. We track every inflow and outflow and forecast 30/60/90 days ahead — so you plan with confidence.

What's included

  • Daily/weekly cash position tracking
  • 13-week rolling cash forecast
  • Receivables aging and collections strategy
  • Payables scheduling and supplier negotiations
  • Working capital optimisation
  • Liquidity contingency planning

Why it matters

  • Never get caught short on cash
  • Maximise the cash you already have
  • Sleep at night, plan in the morning
02.2

Cost Optimization

We map your full cost structure and benchmark it against industry — uncovering 8–15% savings hiding in plain sight, without cutting anything that drives growth.

What's included

  • Full cost-structure mapping (COGS, OPEX, capex)
  • Vendor and contract review
  • Process inefficiency audit
  • Variable vs fixed cost analysis
  • Negotiation support with suppliers
  • Quarterly margin review

Why it matters

  • 8–15% saved in year one
  • Higher gross and net margins
  • Cash for growth, not waste
02.3

Financial Planning

Annual budgets, multi-year forecasts and scenario maps — so you know what to expect, and what to do when reality differs.

What's included

  • Annual operating budget
  • 3-year financial forecast (P&L, BS, CF)
  • Scenario modelling (best / base / worst)
  • Investment and capex planning
  • Goal & milestone tracking
  • Quarterly re-forecast and adjustment

Why it matters

  • From reactive to proactive
  • One plan, one team
  • Hit numbers consistently
02.4

Business Performance Tracking

Real-time dashboards built around the KPIs that actually matter — so decisions come from data, not gut.

What's included

  • Custom KPI definition workshop
  • Real-time dashboard build
  • Cohort and segment analysis
  • Monthly performance review meetings
  • Benchmarking vs industry
  • Action plans for underperformance

Why it matters

  • Data-backed decisions, not gut
  • Accountability across the team
  • Faster course-correction
03
Growth layer

Capital & Funding

Access capital from banks, EU funds and investors — then structure it to drive growth, not stress.

01.1/04
03.1

Loan Preparation

Banks reject deals over weak documentation, not weak businesses. We prepare bank-grade packages, stress-test the numbers and coach the pitch — so you leave with the term sheet.

What's included

  • Business plan and management presentation
  • 3–5 year financial projections (P&L, BS, CF)
  • Collateral analysis and valuation support
  • Sensitivity and stress testing
  • Bank pitch and Q&A coaching
  • Negotiation of rate, tenor and covenants

Why it matters

  • Higher approval rates
  • Better rates, fees and covenants
  • Faster bank decisions
03.2

EU Funding Support

EU programmes fund 30–80% of qualifying projects — with the right structure. We assess eligibility across HORIZON, ESF+, IPA and NRRP, build the application and run the full reporting lifecycle.

What's included

  • Eligibility assessment across all major programmes
  • Project structuring and budgeting
  • Application writing and submission
  • Procurement and tender support
  • Quarterly progress reporting
  • Final closure and audit support

Why it matters

  • Non-dilutive capital for growth
  • Up to 80% co-financing
  • Stronger follow-on positioning
03.3

Investor Readiness

Investors back numbers and narratives — we build both. A stress-tested model, a sharp deck and a data room that survives due diligence.

What's included

  • Investor-ready financial model (3–5 year)
  • Pitch deck (10–15 slides)
  • Data room setup (legal, financial, commercial)
  • Cap table modelling and dilution analysis
  • Valuation support (DCF, comparables)
  • Term sheet review and negotiation

Why it matters

  • Higher valuations
  • Faster funding rounds
  • Stronger founder leverage
03.4

Financial Structuring

Capital is the starting line — allocation decides the outcome. We design structures that protect today and scale for the next 5–10 years.

What's included

  • Capital allocation strategy (growth vs reserves)
  • Investment planning and prioritisation
  • Debt vs equity structuring
  • Risk management framework
  • Treasury policy
  • Long-term financial architecture

Why it matters

  • Right capital, right purpose
  • Lower overextension risk
  • Scalable for the next decade
Plans

Accounting plans with a local expert included

Choose a plan based on your documents, employees and support needs. Every plan includes the Altoria platform and a verified local accountant.

Altoria platform + verified local accountant included
Vetted experts Local & available
For new businesses

Start

For new companies and simple business operations.

From€79/ month
  • Up to 15 documents / month
  • Annual ID-1 form
  • Monthly report
  • Portal communication
  • Verified local accountant included
Check fit →
Most popular For micro businesses

Osnova

For active small businesses with regular monthly documents.

From€139/ month
  • Everything in Start
  • VAT filings
  • Payroll tax forms
  • e-Invoice send + receive
  • Bank feed (PSD2)
  • Monthly financial statements
  • Verified local accountant included
Check fit →
For growing companies

Pro

For businesses with payroll, reporting and stronger financial control.

From€249/ month
  • Everything in Osnova
  • Payroll up to 5 employees
  • Advanced payroll forms
  • Fixed asset depreciation
  • Priority review (24h)
  • Quarterly advisory call
  • Verified local accountant included
Check fit →
For complex operations

Business

For complex operations, multiple activities or custom support.

€339/ month

Custom solutions for larger teams with multi-activity operations and annual reporting included.

  • Everything in Pro
  • Receivables management
  • Accruals & deferrals
  • Multiple business activities
  • WhatsApp direct line
  • Annual report included
  • Verified local accountant included
Check fit →

Final pricing depends on document volume, payroll and business complexity.

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