Start a business
Start your business in Finland. Set up free with your accounting.
Tell us what you want to start. We prepare and file the paperwork with you, set up your tax registers and get your books running in the Ankrito app from day one. In English or Finnish.
Your setup
- Toiminimi
€15Free - Oy
€129Free
with Ankrito accounting
PRH fee paid to PRH
No minimum stay. Leave any time.
You don’t need to have everything figured out.
Whatever stage you’re at, that’s a fine place to start.
I don’t know which company form I need.
See the yearly cost of both below. In the setup chat your accountant goes through which fits, with your numbers, in writing.
I haven’t registered anything yet.
That’s fine. We start from the name check.
I’ve already started the process.
We pick it up from where you are now.
Toiminimi or Oy
See what each form costs you a year.
Type the sales you expect in a year. You see Ankrito’s full yearly price for both forms, so there are no surprises later.
Which form leaves you more after tax depends on your profit and how you take money out. Your accountant shows you this with your own numbers in the setup chat, in writing. This page is general information, not legal or tax advice.
Above €20,000 of sales a year you must register for VAT. We do it for you.
Your price doesn’t grow with your sales. Only receipts above your plan’s monthly allowance add to it, and an Oy moves to Business Plus above €300,000.
Toiminimi · Sole trader
- You are the business: your own money is at risk too
- Simpler books and one tax return
- Money is yours to take out as you go
- Plan Sole Entrepreneur · 12 × €39
- €468
- Annual tax return
- €70
Total a year€538
Setup €15, free with accounting
Oy · Limited company
- A separate company: your own money is usually safe
- Full books and yearly financial statements
- You take money out as salary or dividends
- Plan Business · 12 × €119
- €1,428
- Financial statements + tax return
- €300
Total a year€1,728
Setup €129, free with accounting
Pick your business. We know what it needs.
Every business gets the basics. Choose yours to see what we add for your trade.
Taxi & ride-hail
Taxi, Uber and Bolt drivers
How we help your trade
- Business ID and tax registers before your first ride
- Help with the Traficom taxi licence (€99), which needs the entrepreneur exam
- Taxi rides are passenger transport: 13.5 % VAT since 1 January 2026 (14 % before). The rate stays the same when you bill a business or drive for another taxi company, because the service is still a taxi ride
- VAT returns filed for you, with the details live in the app
- YEL: we check if you must take it (work income from €9,423.09 a year in 2026) and help you choose your work income
Restaurants & bars
Restaurants, cafés, bars, food trucks
How we help your trade
- Vero’s VAT rates applied to every sale: 13.5 % for food, 25.5 % for alcohol
- VAT returns filed for you, with the details live in the app
- Help with the food premises notification and the alcohol licence (€99 each)
- Ankrito POS ready for opening day
- Payroll ready for your first staff, priced per employee
Shops & services
Small shops, kiosks, repair and other services
How we help your trade
- Card and cash sales recorded the right way
- Stock purchases and receipts in the app
- Ankrito POS if you sell in person
Cleaning & beauty
Cleaners, hairdressers, beauticians, nail studios
How we help your trade
- Invoices that show the work part, so home cleaning customers can claim the household deduction
- Products, tools and chair rent as costs
- YEL: we check if you must take it (work income from €9,423.09 a year in 2026) and help you choose your work income
Freelancers & builders
IT, design, consulting, construction subcontractors
How we help your trade
- Invoices and an e-invoice address for business customers
- Reverse-charge VAT on construction services handled as Vero requires
- Tools, car and home office as costs
Online shops
Web shops and online sellers
How we help your trade
- Payment provider payouts matched to your sales
- EU sales to consumers and the OSS VAT scheme when you need it
- Stock and shipping costs in your books
Food delivery couriers
Food and parcel delivery couriers
How we help your trade
- Business ID before your first delivery
- VAT explained: when you must join and when it’s optional
- Car, bike and phone costs counted
How we help your trade
- Everything explained in English, in writing
- Help finding a bank that opens your business account
- Residence permit for entrepreneurs with our Immigration Services
What we do for you, not just explain.
Included in the setup, for every business type.
- Name check and papersName check, plus the Oy papers and beneficial owners notice.
- Registration filed with youWe prepare and file it with you. The authorities decide.
- Tax registers and YELPrepayment and VAT registers, and help arranging YEL.
- Bank account helpWhich banks open an account for your kind of business.
- Invoicing readyInvoice template, e-invoice address, first invoice checked.
- Books from day oneThe Ankrito app ready when your Business ID arrives.
- First employee, freeEmployer register, TyEL and accident insurance when you hire.
- Insurance tipsWhat your trade usually needs. We don’t sell insurance.
Extras, with a fixed price.
Only if you need them. You agree before we start.
Start-up grant papers€149 once
Business plan and budget for your starttiraha application. Apply before you start full-time: the grant is not given for a business that already started full-time.
Licence help€99 per licence
Taxi licence, alcohol licence or food premises notification. We prepare the application with you; the authority decides.
Prices exclude VAT 25.5 %.
How it goes.
Four steps. We keep you posted by message.
- 1
Tell us your plan
What you want to start, and where you are now.
- 2
Setup chat
Your accountant goes through toiminimi or Oy with your numbers, in writing.
- 3
We prepare and file
Name check, papers and notifications, filed with you.
- 4
Books running
Your Business ID arrives and the Ankrito app is ready to use.
Questions people ask before they start.
Is the setup really free?
Yes, when your accounting starts with Ankrito. Otherwise it is €15 for a toiminimi and €129 for an Oy. There is no minimum stay.
What does PRH charge?
PRH sets its own fee and you pay it to PRH. We tell you the exact amount before anything is filed. Notifications to the Tax Administration are free.
How long does it take?
PRH and the Tax Administration set their own processing times. We file as soon as your details are ready and tell you by message when something changes.
Can you get me the start-up grant?
The grant is decided by your municipal employment services. We prepare the business plan and budget for €149. Apply before you start full-time.
Do you work in English?
Yes. We work in English and Finnish, in writing, so you always have the answer to read again.
Start with Ankrito. Keep what you need as you grow.
Many people start with one service. Add others only when they become relevant.
Tell us what you’re planning.
You don’t need to know every step yet. Tell us what you want to start and where you are in the process.
Or email support@ankrito.com