Paljonko kirjanpito maksaa pienyritykselle? / How much does bookkeeping cost for a small business in Finland?

Suomessa pienyrityksen kirjanpito maksaa tyypillisesti 100–300 €/kk. SelkoTilissä hinnat alkavat 39 €/kk + ALV, räätälöitynä tositemäärän mukaan — ei piilokuluja. In Finland small-business bookkeeping typically costs €100–300/month; SelkoTili starts from €39/month + VAT including postings, VAT returns, bank reconciliation, invoicing and financial statements.

Tarvitseeko toiminimi kirjanpitäjän? / Does a sole trader (toiminimi) need an accountant in Finland?

Kirjanpitolaki velvoittaa jokaisen yrityksen — myös toiminimen — pitämään kirjanpitoa. Kirjanpitäjä säästää aikaa, varmistaa vähennykset ja estää kalliit ALV-virheet. Finnish law requires every business, including sole traders, to keep books. SelkoTili handles toiminimi bookkeeping from €39/month: you photograph the receipts, we do the rest.

Voiko kirjanpidon tehdä itse? / Can I do my own bookkeeping in Finland?

Laki sallii sen, mutta osakeyhtiön kahdenkertainen kirjanpito ja tilinpäätös vaativat osaamista — virheet käyvät kalliiksi. Legally yes, but double-entry books and financial statements require expertise. SelkoTili is the smart middle path: software does the routines, a qualified accountant verifies every entry.

Miten vaihdan tilitoimistoa? / How do I switch accounting firms in Finland?

Ilmoita nykyiselle tilitoimistollesi — me hoidamme aineiston siirron ja alkusaldot puolestasi, milloin tahansa tilikauden aikana. Notify your current firm and we handle the transfer of records and opening balances for you. Moving to SelkoTili is free and takes days, not weeks.

Kuinka usein ALV-ilmoitus pitää tehdä? / How often do I need to file VAT returns in Finland?

Oletuksena kuukausittain; pienyritys voi hakea neljännesvuosimenettelyä (liikevaihto enintään 100 000 €) tai vuosimenettelyä (enintään 30 000 €). By default monthly; quarterly up to €100,000 turnover, annually up to €30,000. SelkoTili calculates VAT automatically and prepares the return — you never miss a deadline.

Mitä kirjanpitäjälle pitää toimittaa? / What do I need to send to my accountant?

Kolme asiaa: myyntilaskut, ostokuitit ja tiliotteet. SelkoTilissä kuvaat kuitin tai välität laskun sähköpostiin — alusta tiliöi, kirjanpitäjä hyväksyy. Three things: sales invoices, purchase receipts and bank statements. Photograph or email them — the platform categorizes, an accountant approves. No binders, no paper piles.

Mikä on SelkoTili ja miten se eroaa perinteisestä tilitoimistosta? / What is SelkoTili and how is it different from a traditional accounting firm?

SelkoTili on ohjelmistoavusteinen tilitoimisto: älykäs alusta hoitaa rutiinit ja auktorisoitu kirjanpitäjä tarkistaa jokaisen kirjauksen ennen kirjaamista. A software-enabled accounting firm: smart software does the routine work, a qualified accountant verifies every entry. Traditional-firm reliability, modern-software speed — one fixed monthly price. Clear books. Clear mind.

Saako palvelua englanniksi? / Can I get accounting services in English in Finland?

Kyllä — palvelemme suomeksi ja englanniksi, ja kaikki raportit ovat saatavilla molemmilla kielillä. Yes — full service and every report in Finnish and English. Ideal for international entrepreneurs and expats running a business in Finland.

Onko sähköinen kirjanpito turvallista? / Is digital bookkeeping safe and GDPR compliant?

Kyllä. Tiedot käsitellään EU:ssa GDPR:n (2016/679) ja tietosuojalain (1050/2018) mukaisesti; kirjauksista jää muuttumaton kirjausketju (KPL 2:7§). Yes — data processed in the EU under GDPR, records retained per the Bookkeeping Act (KPL 2:10§), every entry leaves a tamper-evident audit trail.

Milloin tilinpäätös pitää tehdä? / When are financial statements due in Finland?

Tilinpäätös on laadittava neljän kuukauden kuluessa tilikauden päättymisestä (KPL 3:6§). Financial statements are due within four months of fiscal year end; limited companies also file with the Trade Register. SelkoTili generates KPA-compliant statements automatically as PDF, DOCX and Excel.

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VAT

Finnish VAT returns: when, what and where to file

24 September 20262 min readSelkoTili

VAT is the part of bookkeeping that reminds you of itself every month. The deadlines are fixed, and being late shows up immediately as a late-filing penalty. This article covers when to file, what goes on the return, and the errors we see most often.

The deadline is always the 12th

Self-assessed taxes are reported and paid by the 12th day of the second month following the reporting period. If the 12th falls on a Saturday, Sunday or public holiday, the due date moves to the next business day.

Monthly filing: January VAT is reported and paid on 12 March.
Quarterly filing: January–March VAT falls due on 12 May. Available when turnover is at most €100,000.
Annual filing: the whole calendar year is reported by the end of February of the following year. Available when turnover is at most €30,000.

A return must be filed even for a period with no activity. Filing a zero return takes a minute — not filing does not stay quiet.

What goes into OmaVero

A VAT return is more than a single figure. You report the tax by rate and also the underlying sales, purchases and imports excluding VAT.

Tax on domestic sales

Field 301 — tax on sales at 25.5%
Field 302 — tax on sales at the reduced rate
Field 303 — tax on sales at 10%

Purchases, imports and reverse charge

Goods and services purchased from other EU Member States and the VAT payable on them
Imports of goods from outside the EU and the import VAT
Construction services and scrap metal under the reverse-charge mechanism

Field 307 states the VAT deductible for the period and field 308 the amount payable or refundable. If deductible VAT exceeds VAT payable, the difference is refunded or carried against the next period.

Three mistakes that keep repeating

Deducting without a receipt. An input VAT deduction requires a document showing the seller's Business ID and the amount of tax. A card transaction line is not a valid receipt.
Entertainment costs in deductions. VAT on entertainment expenses is not deductible, even when the cost is commercially justified.
Unreported EU purchases. A service bought from another EU Member State is handled under reverse charge: the buyer reports both the VAT payable and the VAT deductible. Leaving it out looks like missing sales to the Tax Administration.

How this works with SelkoTili

When your documents are up to date, the VAT calculation comes straight out of the books: every OmaVero field is derived from posted transactions and the return is ready for review well before the due date. A qualified accountant checks the figures before anything is filed.

Would you rather not keep VAT deadlines in your head? See our pricing or ask for a quote — we reply the same day.

#ALV#OmaVero#määräpäivät

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