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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Switching accounting firms without disruption

24 September 20262 min readSelkoTili

Switching accounting firms is one of those things that gets postponed a year at a time. Usually the reason is not price but not knowing what to ask for and what has to move. In practice it is a clear process — and it works mid-year as well.

The turn of the financial year is easiest — but not the only option

The smoothest transition is at the start of a financial year, when the statements are done and the opening balances are settled. When switching mid-year, the new firm takes over the entries made so far and reconciles the balances up to the handover date. That is routine work when the records are up to date.

Step by step

Check the agreement. Look at the notice period and what it says about handing over records.
Give notice in writing. A clear message stating the date from which the service ends is enough.
Ask for the records electronically. Accounting material belongs to your company. Ask for the general ledger, journal, financial statements, balance sheet specifications, fixed-asset register, payroll records and VAT calculations in machine-readable form.
Transfer the authorisations. Grant Suomi.fi authorisations to the new firm and remove the old ones. Without an authorisation the new accountant cannot see OmaVero or file on your behalf.
Agree the opening balances. The new firm enters the opening balances and reconciles them against the previous financial statements or the handover-date balances.
Secure the next deadline. Agree explicitly who files the nearest VAT return. This is where handovers most often break.

What to take with you — checklist

General ledger and journal for the whole current financial year
Latest financial statements with notes and balance sheet specifications
Fixed-asset register and depreciation schedules
Payroll records and Incomes Register reports
VAT calculations and the returns already filed
Open sales and purchase invoices at the handover date

If records are withheld, remind the firm that accounting material is the property of the company required to keep the books. In practice a polite written request is almost always enough.

What we do during a switch

We receive the records, enter and reconcile the opening balances for you, review the previous period's VAT calculations and tell you straight away if something is missing. Switching to us is free, and in practice you are running within days.

Considering a switch? Ask for a quote — we will tell you honestly whether it is worth it in your situation.

#tilitoimisto#vaihto#aineiston siirto

Back to Blog

Switching accounting firms without disruption

The turn of the financial year is easiest — but not the only option

Step by step

What to take with you — checklist

What we do during a switch

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Financial statements: timeline and checklist

Finnish VAT returns: when, what and where to file