Payment Terms

Provider

Ankrito Oy, a limited company (osakeyhtiö), formerly Selvia

Business ID

3658630-6

Domicile

Helsinki, Finland

Address

Konalantie 7, 00370 Helsinki, Finland

Email

support@ankrito.com

Subscriptions and services are sold and invoiced by Ankrito Oy, Business ID 3658630-6, Konalantie 7, 00370 Helsinki (formerly Selvia). In these terms, “Ankrito” means Ankrito Oy.

Ankrito subscriptions are sold to businesses: a sole trader (toiminimi) or a limited company (Oy) subscribing for its business activity. The subscription is not offered to consumers.

These terms supplement the Terms of Service; if they conflict on prices, invoicing, renewal, cancellation or payment, these Payment Terms apply. Mandatory provisions of Finnish law apply as the law provides, and nothing in these terms limits them.

Ankrito POS is priced per register as set out under “Ankrito POS” below.

Sole Entrepreneur

for a sole trader (toiminimi) only; up to 40 documents a month; extra documents €0.50 each

Business

for a limited company (Oy) with turnover up to €300,000 a year; up to 50 documents a month; extra documents €1.00 each

Business Plus

for a limited company (Oy) with turnover up to €1,000,000 a year; up to 150 documents a month; extra documents €1.00 each; priority support

• The plan follows your company’s legal form. You confirm the legal form in the Ankrito app and Ankrito verifies it before approving the subscription.
• If the plan and the legal form do not match, Ankrito does not change the plan or the price on its own. We tell you which plan and price apply, and the subscription is corrected with you before it is activated or renewed.
• If your legal form changes later, the plan that applies changes accordingly. Ankrito agrees the new plan and its price with you first; no new price is charged without your knowledge.
• Business and Business Plus are chosen by size: turnover over the previous 12 months, checked every quarter. If your turnover grows past your plan’s limit, Ankrito tells you before your plan changes. Above the Business Plus limit, the price is agreed with you (Custom).

Subscription prices per billing period:

Sole Entrepreneur — monthly

€39 per month, excluding VAT

Sole Entrepreneur — every 3 months

€111.15 per 3 months, excluding VAT (5 % discount on three monthly payments)

Sole Entrepreneur — every 12 months

€421.20 per 12 months, excluding VAT (10 % discount on twelve monthly payments)

Business — monthly

€119 per month, excluding VAT

Business — every 3 months

€339.15 per 3 months, excluding VAT (5 % discount on three monthly payments)

Business — every 12 months

€1,285.20 per 12 months, excluding VAT (10 % discount on twelve monthly payments)

Business Plus — monthly

€199 per month, excluding VAT

Business Plus — every 3 months

€567.15 per 3 months, excluding VAT (5 % discount on three monthly payments)

Business Plus — every 12 months

€2,149.20 per 12 months, excluding VAT (10 % discount on twelve monthly payments)

All prices exclude VAT. VAT is added to each invoice at the rate in force on the invoice date; the general rate is currently 25.5 %. There is no setup or onboarding fee for an Accounting subscription.

• You choose monthly, quarterly or annual billing. Each billing period is invoiced in advance.
• 3-month billing covers 3 months (5 % off) and 12-month billing covers 12 months (10 % off), at the discounted prices above.
• You can change the billing frequency. The change takes effect from the next billing period that has not yet been invoiced. The running period is not recalculated: there is no proration and no credit invoice for a future change of frequency.

• A first-time Ankrito customer receives the first month free, whatever the age of the business and whether or not it had another accountant before.
• The free month is a month of the actual Ankrito service — including the bookkeeping and VAT work the subscription covers — priced at €0. It starts when Ankrito approves and activates the subscription — not when you send the request. The first paid billing period starts when the free month ends.
• The free month is given once per customer and business. Cancelling and subscribing again, or subscribing the same business under another account, does not give another free month.
• If you cancel during the free month, you owe no subscription fee, no paid period follows, and you keep access until the free month ends.
• Historical or catch-up bookkeeping and separately ordered services are charged as agreed even during the free month.

• You request a subscription in the Ankrito app under Plan & Billing: you choose the plan and billing frequency, confirm your billing details (business name, Business ID and invoice email) and accept these terms and the Terms of Service.
• The subscription becomes active only when Ankrito approves it, and the Ankrito service starts at that moment. Ankrito may ask for additional information, or decline a request, before approval.
• The app shows your plan, billing frequency, when the free month ends and when the next billing period starts.

Every plan includes the normal ongoing accounting of the business:

• the Ankrito app;
• normal ongoing bookkeeping, with a monthly bookkeeping review by Ankrito;
• VAT preparation and review, and VAT filing with the Finnish Tax Administration (Vero) where Ankrito handles your VAT filing;
• unlimited normal sales invoices created and sent in the app;
• bank reconciliation and standard accounting reports;
• processing of supported Wolt, Uber Taxi, Uber Eats and Bolt statements;
• normal subscription support in the app’s chat, by WhatsApp and by email during Ankrito’s working hours.

“Unlimited” applies to normal sales invoices; it does not mean unlimited professional or accountant work. Year-end work and payroll are not included (see “Separately priced services”).

Each plan includes a number of documents a month (see “Plans and legal form”). What counts as a document:

• each receipt or purchase invoice you upload = 1 document;
• each Bolt, Uber or Wolt statement, POS monthly summary or card-terminal statement = 1 document;
• sales invoices you create in the app and bank transactions are always free and never count.

Documents above your plan’s monthly allowance are charged per document at your plan’s extra-document price and invoiced with your next monthly invoice. Turnover limits use the previous 12 months and are checked every quarter; your plan changes only after Ankrito has told you first.

Materially exceptional professional work is outside the subscription, for example:

• historical or catch-up bookkeeping and reconstruction of incomplete records;
• extensive manual corrections, or substantial repeated correction of inaccurate or incomplete information;
• unusually complex transactions, restructuring and unusual international VAT matters;
• tax audits, corrections of past tax returns and substantial replies to information requests from authorities;
• other substantial accounting or tax work beyond normal ongoing bookkeeping.

Before any separately charged work starts, Ankrito contacts you, explains what falls outside the subscription, what work is proposed and its price. The work starts only with your agreement. There are no surprise charges.

These services are never included in a monthly plan. Prices exclude VAT, except prices marked “incl. VAT”, which are for private persons and include VAT 25.5 %:

Payroll

€15 per employee per payroll run

Toiminimi annual tax return

€70 a year

Oy year-end (financial statements + corporate tax return)

€300 a year, invoiced when done; up to 3 instalments on request

Accountant-signed statements (bank, lease, authorities)

€40 each (from January 2027)

Dividend handling

€60 per dividend payment

Moving from another accountant

Free: books moved, step-by-step guidance, paperwork handled

Company formation, toiminimi

€15 + PRH fee; free when your accounting starts with Ankrito

Company formation, Oy

€129 + PRH fee; free when your accounting starts with Ankrito

Start-up grant papers (business plan + budget)

€149 once

Licence application help (taxi licence, alcohol licence, food premises notification)

€99 per licence

Company change at PRH (board, managing director, address, name, line of business)

€49 per change + PRH fee

Tax register change (VAT, prepayment, employer register)

€39 each; free for Ankrito accounting clients

Changing a toiminimi into an Oy

€349 + PRH fee

Closing a toiminimi

€49 once; free for Ankrito accounting clients

Cash-flow forecast (6–12 months)

€99 once

Budget for the year

€199 once

Financing papers for a bank or Finnvera

€249 once

Profitability check

€99 once

Price and margin advice

€99 once

Entrepreneur residence permit

€399 + VAT, per application + Migri fee

Work permit for your new hire

€200 + VAT, per employee + Migri fee

Family member's residence permit

€250 incl. VAT, per person + Migri fee

Student residence permit

€125 incl. VAT, per application + Migri fee

Permit extension

€250 incl. VAT, per application + Migri fee

Appeal against a Migri decision

€400 incl. VAT, per appeal + court fee

Catch-up bookkeeping and exceptional work

Quoted and agreed before work starts

An additional or off-cycle payroll run is charged at the same price per employee. Official fees of the Finnish Patent and Registration Office (PRH) and other authorities are always separate from Ankrito’s fees. Financial Advisory, Immigration Services, PRH/YTJ registration and company-change work, and other separately commissioned services are priced and agreed with you before the work starts.

Ankrito POS is available from 1 January 2027. Prices per register (one till in use), excluding VAT:

Business Plus

one register included; each further register €10 a month

Business

€10 a month per register

Sole Entrepreneur, or POS only (accounting elsewhere)

€19 a month per register

• POS fees are invoiced in advance on the same invoice and for the same billing period as your subscription. With POS only, they are invoiced monthly in advance. Invoicing, payment and late payment follow these terms.
• You can add or remove registers in agreement with Ankrito; the change applies from the next billing period. POS has no notice period.
• You use your own tablet or computer and your own card terminal. Card payments are handled by your card-terminal provider under its own terms; Ankrito does not process card payments.
• POS prices are not part of the founding price.

• Each billing period is invoiced in advance. The first paid invoice is sent before the free month ends.
• Ankrito sends invoices by email from billing@ankrito.com to the invoice address on your subscription.
• The payment term is 14 days from the invoice date. The due date is shown on the invoice.
• Pay by bank transfer to the account on the invoice, using the invoice’s reference number. Card payments and automatic card billing are not available.
• Extra documents and separately priced services are invoiced with your next monthly invoice, with the same payment term. The price is shown in the app before work starts.

A subscription continues automatically from one billing period to the next, at the chosen billing frequency, until it is cancelled.

• You can cancel in the Ankrito app (Plan & Billing) or by emailing support@ankrito.com. There is no separate notice period.
• Cancelling before a renewal stops that next paid period: if you cancel during the free month, no paid period follows and you keep the service until the free month ends.
• Once a paid billing period has begun, it is payable — even if its invoice has not been sent yet, in which case Ankrito sends it. Cancelling then stops the following renewal; it does not make the started period free. You keep the service until that period ends (for quarterly and annual billing, the prepaid period). An unpaid invoice for a period that has not started is cancelled.
• Cancelling part-way through a prepaid quarterly or annual period does not give an ordinary partial refund. This does not affect refunds required by mandatory law or corrective refunds agreed for an error.
• Cancelling a subscription does not delete your accounting records.

• About 7 days after the due date, Ankrito sends a payment reminder.
• If the invoice is still unpaid 30 days after the due date, the subscription service is paused.
• While the service is paused, you can still read your existing records and documents, and the app shows how to restore the service. New subscription work is paused, including new accounting uploads, new bookkeeping processing, new sales invoices and VAT filing work. No accounting data is deleted.
• You remain responsible for your statutory filing and tax deadlines while the service is paused.
• When the overdue payment is confirmed, the service is restored.

Overdue amounts accrue statutory late-payment interest under the Finnish Interest Act (korkolaki). As a business-to-business receivable, Ankrito is also entitled to the fixed compensation for collection costs that Finnish law (laki saatavien perinnästä) sets for an overdue commercial debt, in addition to the actual further collection costs permitted by law. Collection follows Finnish law.

• Ankrito notifies subscription price changes at least 30 days in advance, by email or in the app.
• A new price applies only from a future billing period named in the notice. A period that has already been invoiced is never re-invoiced at a different price.
• You may cancel before the new price takes effect.

If your subscription starts by 31 March 2027, your plan price and the listed prices of the separately priced services stay the same until 31 December 2028. Ankrito POS prices are not part of the founding price. After 31 December 2028, price changes follow “Price changes” above.

When a business you refer becomes an Ankrito client and has paid its first paid month, one month’s subscription fee is credited to both businesses on a following invoice. The credit has no cash value and cannot be exchanged for money.

Subscription support is provided in the Ankrito app’s chat (Support Inbox), by WhatsApp and by email at support@ankrito.com, during Ankrito’s working hours. How we handle questions is set out in the Terms of Service under “Accounting service commitments”. Phone-call support is not part of the subscription, and the subscription does not include unlimited personal tax consulting. Routine questions are also answered in our help and FAQ pages.

If you believe an invoice is incorrect, contact us at support@ankrito.com before the due date. Ankrito corrects its own errors with a corrected invoice or a credit note. If Ankrito makes a mistake in its accounting work, the fee for the month concerned is credited as set out in the Terms of Service.