Arvo
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Arvo · bookkeeping · FI · SE · NO · EE · ES

Bookkeeping that learns your ways.

Arvo books receipts, calculates VAT, runs payroll and files returns. The first time it asks. The second time it suggests. The third time it just happens.

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Receipt · K-MarketExample

€34.50

Arvo suggests

4000 Purchases · VAT 25.5%

FixApprove →
  1. 1.Asks
  2. 2.Suggests
  3. 3.Handles

9 Jul 2026: the first real VAT return filed from Arvo straight to the Finnish Tax Administration's API.

§ 00 — Thesis

Small-business bookkeeping doesn't fail on skill. It fails on repetition. The same phone bill, the same account, month after month. Arvo remembers it for you – and tells you when something is new.

§ 01 — Learns

It never asks the same thing twice.

First you show it which account the phone bill belongs to. Next time Arvo suggests it. Once the suggestion holds, it is handled without a question. A new vendor or an unusual amount comes to you – nothing is guessed.

Arvo learns your company's booking habits. Your data is not used to train general AI models.

Example

5 JanTeliaArvo asks
5 FebTeliaArvo suggests
5 MarTeliaHandled

§ 02 — Handles

Books, taxes and payroll behind the same Arvo.

§ 03 — Countries

Five countries. One Arvo.

A new country is data to Arvo – chart of accounts, VAT rates and returns – not a new program. That's how Sweden and Norway followed the same pattern as Finland.

  • FIFinlandVAT return straight to the Tax Administration's API · Incomes Register · Finvoice
  • SESwedenBAS chart · moms 25/12/6% · momsdeklaration prepared – filed to Skatteverket by hand
  • NONorwayNS 4102 chart · MVA-melding, 6 terms · Brreg lookup – filed to Altinn by hand
  • EEEstoniaKMD VAT return · e-invoice (EVS)
  • ESSpainFacturaE invoices · Spanish interface in part

§ 04 — Price

One price. Everything included.

For sole traders and small limited companies, 1–10 people. Not yet for companies that require a statutory audit.

Have an accountant? Invite them – as accountant or viewer.

€59/month

  • Every feature
  • 14-day free trial
  • No commitment
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Part of Brandista

Memory that doesn't stay inside one platform.

The big players build memory inside their own walls and sell general tools to companies with an IT department. Brandista delivers ready agent teams for a specific workflow to SMEs, and the memory belongs to the customer.

Read about the memory layer →
  • One foundation

    Shared identity, an event bus and verified memory under every product.

  • Products coordinate

    A finding in one product can change what another does, as Continuity and Veyra already do.

  • Fast to production

    A new product or agent team is built on the existing foundation, not from scratch.

§ 05 — FAQ

Questions, answered.

01Who owns my data?

You do. Reports, the statutory ledger and the VAT breakdown export as PDF and CSV at any time.

02Does my bank work?

The bank connection is still in pilot. Until then entries come from receipts and batch import.

03Can my accountant join?

Yes. Invite them to the company and pick a role: admin, accountant or viewer.

04What happens if I stop?

Export your reports and entries and leave. No lock-in, no commitment.

05Is the AI safe?

Arvo learns your company's booking habits, but your data is not used to train general AI models. A person always approves the suggestions.

06Is it for me?

Sole traders and small limited companies, 1–10 people. Not yet for large companies that require a statutory audit.

§ — Start

Let Arvo handle the repetition.

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