Bokio
Bokio is a Swedish cloud-based accounting SaaS for small businesses, sole proprietors, and accounting bureaus, offering integrated bookkeeping, invoicing, payroll, tax filing, and a Svea Bank-powered business account with AI-driven automation, distributed via self-serve and a partner consultant channel.
- Company typePrivate
- Founded2015
- HeadquartersGöteborg, Sweden
- Headcount51–100
- GTM typeB2C
- OfferingSoftware
What Bokio does
Bokio is a Swedish cloud-based accounting SaaS company founded in 2015 in Gothenburg, providing an all-in-one platform that combines bookkeeping, invoicing, payroll, year-end closing, and tax declaration for small businesses, sole proprietors, and the recently added non-profit/cooperative segments. The platform is built around AI-powered automation — automatic bookkeeping suggestions driven by bank transactions, receipt/invoice scanning via computer vision, and an ML layer that improves categorization from user behavior — wrapped in a UI designed for non-accountants. A core differentiator is the integrated Bokio Företagskonto, a business bank account (with bankgiro and corporate card) powered by Svea Bank under a Finansinspektionen license held by subsidiary Bokio AB, which lets transactions flow directly into bookkeeping and underpins cashback/interest features on the Plus tier.
Bokio monetizes through a four-tier subscription (Basic 249-299 SEK, Premium 349-399 SEK, Business 449-499 SEK, Plus 599 SEK per month) with annual discounts, plus a freemium entry tier, per-transaction fees (e-invoice 3 SEK, invoice purchasing 2.75%/30d), and affiliate/banking revenue share. Go-to-market is primarily product-led self-serve via bokio.se with a 14-day free trial and BankID-based onboarding, augmented by a partner-led channel — Bokio Byrà — that onboards accounting consultants and bureaus (Accountor, Bonliva, Tre Ekonomer, Win-win Ekonomi, Deskjockeys) to serve their SMB clients, and a paid digital marketing mix across Google, Facebook, LinkedIn, Microsoft, and Taboola. The company reports 100,000+ registered users and 40,000+ active entrepreneurs across Sweden and the UK, and has been a wholly-owned subsidiary of Visma Group since March 2022, following a 2020 merger with Finansinspektionen-licensed payment institution Red Flag and ~115M SEK of prior venture funding led by Creandum and Svea Ekonomi.
Bokio firmographics
Firmographics- Name
- Bokio
- Legal name
- Bokio Group AB
- Website
- https://bokio.se
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Bokio is a Swedish cloud-based accounting SaaS for small businesses, sole proprietors, and accounting bureaus, offering integrated bookkeeping, invoicing, payroll, tax filing, and a Svea Bank-powered business account with AI-driven automation, distributed via self-serve and a partner consultant channel.
- Ownership category
- akta.pro rank
Bokio industry classification
Industry- Product category
- Cloud Accounting Software
- NAICS
- Accounting, Tax Preparation, Bookkeeping, and Payroll Services (54121), Payroll Services (541214), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Services-Prepackaged Software (7372)
- akta.pro primary industry
- Invoicing, Billing & Accounts Receivable Automation (FSAGAJAC)
- akta.pro secondary industries
- Payroll Data Management, Master Data & Employee Setup (BPAAAHAI), Accounts Receivable (Invoicing, Cash Application, Deductions) (BPAAAGAB)
Keywords
Where Bokio is headquartered
LocationHeadquarters
- HQ city
- Göteborg
- HQ country
- Sweden
- HQ region
- Europe
Offices2 records
Markets served
Bokio business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Subscription Revenue (Tiered Plans): Four pricing tiers: Basic (249-299 SEK/month), Premium (349-399 SEK/month), Business (449-499 SEK/month), and Plus (599 SEK/month). Revenue is recurring based on monthly or quarterly subscriptions with annual discounts available.
- Freemium Model: Free basic plan available for small businesses with fundamental accounting needs. Users can upgrade to paid tiers for additional features like payroll, advanced reporting, and multiple users.
- Transaction Fees: Fees for specific transactions including e-invoice (3 SEK/invoice), and invoice purchasing through Factoringgruppen (2.75% of financed amount per 30 days).
- Affiliate/Referral Revenue: Revenue from referral partnerships with financial service providers including factoring, loans, pensions, and legal services. Company generates revenue from favorable agreements negotiated for users through partner network.
- Banking Revenue Share: Revenue from integrated banking services through partnership with Svea Bank, including cashback (1%) on card purchases and interest on account balances for Plus customers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Basic: For the smallest business with basic needs. Includes bank and bookkeeping in one. |
| Subscription | Monthly | Premium: For sole proprietors and newly started companies wanting to invoice, take salary, and build foundation for growth. |
| Subscription | Monthly | Business: For companies with employees needing payroll management for multiple staff. |
| Subscription | Monthly | Plus: Most comprehensive solution with cashback, free integrations, and complete support. |
| Subscription | Monthly | Add-on: Bookkeeping Support |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels8 records
Bokio product offering
Product offeringCore offering
Bokio provides a cloud-based all-in-one accounting platform for small businesses and sole proprietors in Sweden, combining automated bookkeeping, invoicing, payroll, year-end closing, tax declarations, and a fully integrated business bank account (Företagskonto, powered by Svea Bank). AI-driven automation proposes and learns bookkeeping entries from bank transactions, scans receipts and invoices, and handles Swedish tax and employer calculations. A separate Bokio Byrå sub-product allows accounting firms to manage multiple clients within the same platform.
Product overview
Bokio is an all-in-one cloud-based accounting platform for small businesses, operating as a unified platform-plus-modules architecture. The core Bokio platform provides bookkeeping, invoicing, and payroll management, which integrate with the Bokio Företagskonto (business banking add-on powered by Svea Bank) for seamless payment and accounting. Additional modules include Bokslut och deklaration for year-end closing, Starta aktiebolag for company formation, and Bokio Byrå for accounting firm collaboration. The platform uses AI for automated bookkeeping suggestions, receipt scanning, and smart features. Pricing tiers (Basic, Premium, Business, Plus) provide graduated access to these modules.
Differentiator
Problem solved
Functional benefit
Brands
- Bokio Byrå: A platform solution for accounting bureaus and consultants to collaborate with their clients within Bokio's bookkeeping system. Allows consultants to increase profitability by sharing work with customers.
- Bokio Företagskonto
- Bokio Group AB
- Bokio AB
Products and services
- Bokio cloud accounting platform Cloud-based all-in-one accounting platform for Swedish small businesses and sole proprietors, combining bookkeeping, invoicing, payroll, year-end closing, tax declarations, and an integrated business bank account. Designed for self-serve use by non-accountants, with AI-driven automation, BankID onboarding, and a 14-day free trial.
- Bokio Företagskonto (integrated business account) Integrated business account and Mastercard corporate card offered directly within the Bokio platform, including bank account, bankgiro, and cashback benefits. Powered by Svea Bank AB, with KYC and compliance handled by Svea Bank. Available to Bokio customers with a Plus plan receiving 0.9% rebate on account balance and 1% cashback on card purchases.
- Bokio Byrå (accounting firm collaboration platform) Sub-product of the Bokio platform targeted at accounting firms, bureaus, and freelance bookkeepers, enabling them to manage multiple small-business clients, share documents, and collaborate on bookkeeping within a single environment. Sold via channel partnerships with named accounting firms such as Bonliva, Tre Ekonomer, Accountor, and Win-win Ekonomi, and supported by a free demo booking flow.
- Starta aktiebolag (company formation service) Service for Swedish entrepreneurs to start a limited company (aktiebolag) using Bokio's step-by-step formation flow, integrated with the Bokio accounting platform so the newly formed company can begin bookkeeping and banking immediately.
- Bokio Digital årsredovisning (digital annual reports) Bokio's proprietary digital annual report solution for Swedish companies, providing K2-compliant corporate annual reports, SRU files, tax calculations, and shareholder meeting protocols for aktiebolag, and automatic NE-bilaga generation for sole proprietors. Priced at 99 SEK per report from 2026.
Quantifiable outcome
- SMBs save significant time through automated bookkeeping - automatic categorization of bank transactions
- +2 more outcomes
Companies that use Bokio
Customer profileNamed customers5 records
Segments5 records
Ideal customer profiles3 records
Bokio technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
AI capability8 records
Feature5 records
Bokio partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core, major and minor.
- VismacoreBokio became part of Visma Group in March 2022, gaining access to Visma's resources, market presence, and integration ecosystem while maintaining its focus on serving small businesses with intuitive accounting tools.
- Svea BankcoreSvea Bank provides banking infrastructure for Bokio Företagskonto including bank accounts, bankgiro, and corporate cards. Svea Bank is the customer owner and responsible for KYC processes and compliance for financial services.
- Red FlagcoreRed Flag merged with Bokio in April 2020 under Bokio brand, combining product portfolios. Red Flag provided fully automated small business administration services. Merger created Europe's strongest challenger in automated accounting.
- AccountormajorLarge accounting firm with hundreds of customers in Bokio system. Works with Bokio Byrå platform to serve small business clients efficiently.
- Tre EkonomermajorPartner accounting firm using Bokio as the platform for delivering advisory services to clients. Represents future-oriented accounting consultants.
- BonlivaminorPartner accounting firm using Bokio for serving small business clients.
- Win-win EkonomiminorPartner accounting firm visible in Bokio's partner ecosystem.
- DeskjockeysminorPartner accounting firm in Bokio's network of collaboration partners.
- FactoringgruppenminorInvoice purchasing service available as integration in Bokio. Provides factoring services with 2.75% commission rate per 30 days.
Scale indicators9 records
Recent moves8 records
Expansion highlights6 records
Bokio competitors and assessment
Company assessmentDirect peers
- Fortnox: Sweden's leading cloud-based business platform for SMBs, offering accounting, invoicing, payroll, and e-commerce. Fortnox is the primary direct competitor to Bokio in the Swedish SMB cloud accounting market, with 2024 net sales of SEK 2.045 billion indicating a much larger scale.
- Björn Lundén: Long-standing Swedish provider of accounting and tax software for SMBs, bookkeepers, and accounting firms. Comparable to Bokio in target customer (Swedish SMBs and accountants) and core functionality (bookkeeping, tax declarations, year-end closing).
- SpeedLedger: Swedish e-accounting platform for SMBs with automated bookkeeping and bank integration. Targets a similar small business customer base as Bokio and competes on ease of use and bank transaction automation.
- Wint: Swedish accounting and payroll platform focused on sole proprietors and small companies. Direct competitor to Bokio in the Swedish SMB segment with overlapping invoicing, bookkeeping, and payroll functionality.
Broad incumbents
- Visma eEkonomi: Visma Group's flagship Swedish cloud accounting product for SMBs. As Bokio is now also part of Visma Group following the March 2022 acquisition, Visma eEkonomi is a sister product offering largely overlapping bookkeeping, invoicing, and payroll capabilities to a similar Swedish SMB customer base.
- Sage: Global provider of accounting, payroll, and financial management software with strong presence across Europe. Comparable to Bokio in accounting and payroll functionality, but operates as a broad incumbent across many geographies and SMB segments rather than a Sweden-only specialist.
Regional players
- Tripletex: Norwegian cloud-based accounting, invoicing, and payroll platform for SMBs, owned by Visma Group. Highly comparable product offering to Bokio but serving the Norwegian market instead of Sweden.
- e-conomic: Danish-origin cloud accounting platform (also operating in Sweden) owned by Visma Group. Comparable in functionality and SMB target to Bokio, with primary geographic focus on Denmark.
- Netvisor: Finnish cloud accounting and ERP platform for SMBs and accountants, part of the Visma Group. Similar SMB accounting focus as Bokio but serving the Finnish market.
Emerging players
- Pleo: Nordic SMB-focused business spend management and corporate cards platform. Not a direct accounting competitor, but an emerging player in Nordic SMB fintech that increasingly overlaps with Bokio Företagskonto on banking and expense management.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks7 records
Key highlights7 records
Customer concentration
Bokio social profiles
Digital presenceBokio compliance and trust
Trust signalCompliance2 records
Bokio financial estimates
Financial estimateRevenue estimate
Valuation estimate
Bokio leadership team
Management profileNumber of profiles
Profiles12 records
Bokio subsidiaries and ownership
Company hierarchySubsidiaries1 record
Bokio funding detail
Funding detailFunding overview
Funding rounds7 records
Investors9 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Bokio M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Bokio
What does Bokio do?
Bokio provides a cloud-based all-in-one accounting platform for small businesses and sole proprietors in Sweden, combining automated bookkeeping, invoicing, payroll, year-end closing, tax declarations, and a fully integrated business bank account (Företagskonto, powered by Svea Bank). AI-driven automation proposes and learns bookkeeping entries from bank transactions, scans receipts and invoices, and handles Swedish tax and employer calculations. A separate Bokio Byrå sub-product allows accounting firms to manage multiple clients within the same platform.
Is Bokio a public or private company?
Bokio is a private company. It is classified as corporate owned and is currently operating.
When was Bokio founded?
Bokio was founded in 2015. It employs 51 to 100 people.
Where is Bokio based?
Bokio is headquartered in Göteborg, Sweden, in the Europe region.
How does Bokio make money?
Five revenue lines are on record. Subscription Revenue (Tiered Plans) is the primary driver. The others are freemium Model, transaction Fees, affiliate/Referral Revenue and banking Revenue Share.
Who are Bokio's main competitors?
Direct peers on record are Fortnox, Björn Lundén, SpeedLedger and Wint. Broad incumbents are Visma eEkonomi and Sage. Regional players are Tripletex, e-conomic and Netvisor. Pleo is listed as an emerging player.
Does Bokio have an API?
Yes. Bokio API enables customers to use integrations with third-party systems. Through the API, Bokio provides customers with API credentials used for access, identification, and approval of the customer's account. Customers are responsible for ensuring compatibility and functionality when integrating with third-party systems. Developer documentation is at Not specified.
What industry is Bokio in?
Bokio's product category is Cloud Accounting Software. Its primary akta.pro industry code is FSAGAJAC, Invoicing, Billing & Accounts Receivable Automation, with a secondary code of BPAAAHAI, Payroll Data Management, Master Data & Employee Setup. Its NAICS code is 54121 and its SIC code is 7372.