Markus Breth

Product · finance OS for SMBs

From receipt chaos to cashflow clarity.

Read in an invoice, pre-assign the accounts, approve, pay by SEPA and plan liquidity — one system instead of five separate programs. Built for SMBs in Austria, with a database of its own for every company and receipt recognition on your own server.

  • Around 1,000 tests
  • One database per company
  • Local AI
  • DE / EN

The problem

SMBs fly financially blind.

The same invoice is typed in, handed to bookkeeping, entered again in online banking and added to a spreadsheet for liquidity. Every hand-off costs time and is a source of errors.

  • 01Five disconnected tools. Receipts, invoices, time tracking, dunning, books — nothing talks to each other.
  • 02Stale data. By the time it’s booked, the number is weeks old — decisions fly blind.
  • 03No forecast. Today’s balance says nothing about whether wages and VAT are covered in three months.
  • 04Manual capture. Typing receipts costs hours and produces errors.

The path of an invoice

Capture once. Everything else works from it.

01 — READ IN

AI reads along

Upload a PDF, photograph the receipt with your phone or import an e-invoice. Supplier, amounts and dates are filled in.

02 — PRE-ASSIGN

See the booking, then approve

Before approval you see how it will be booked: debit, credit, tax rate. Every correction improves the next suggestions.

03 — PAY

SEPA file

Open invoices are collected into one SEPA file for online banking, every IBAN checked beforehand.

04 — PLAN

Live cashflow

The liquidity curve starts from the latest bank statement and updates with every invoice.

Where it stands

Built and tested.

~1.000
automated tests
1
database per company — tenants are physically separated
0
receipt data sent to external AI providers

Modules

From receipt to year-end.

◆ PURCHASING

Receipts & approvals

Inbox with AI recognition, mobile capture, account suggestions and payment approval under the four-eyes principle.

◆ SALES

Quote to invoice

Quote, order and invoice in one chain, partial and recurring invoices, e-invoices as XRechnung and ZUGFeRD.

◆ RECEIVABLES

Dunning

Overdue invoices at a glance, staged reminder levels with PDF and sending straight from the system.

◆ BANK

Statements & SEPA

Bank statements as MT940, camt.053 or CSV, matched against open items, SEPA payment files.

◆ PLANNING

Cashflow & scenarios

Liquidity forecast from 30 days to several years. What-if: a loan, a new hire, a large order, a lost customer.

◆ ACCOUNTING

Tax & year-end

Double-entry books with balance sheet and P&L, Austrian VAT return with U30 file, year-end checklist, export to BMD and DATEV.

Security & operations

The numbers stay in-house.

  • →One database per company Tenants are separated physically, not just logically.
  • →Access Mandatory two-factor, passkeys or single sign-on, roles from owner to read-only.
  • →Traceable Audit log of every change; closed periods are locked.
  • →Local AI Receipt recognition and assistance run on your own server, not at a cloud provider.

Best seen live.

In a live demo I show the path from invoice to SEPA file. After that we test for a month with your real invoices.

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