Wint

What Wint does

Wint is a Swedish fintech that delivers automated, full-service bookkeeping and financial management to approximately 5,000 small businesses (aktiebolag) across Sweden. Founded in 2011 and headquartered in Gothenburg, the company targets freelancers, solo consultants, small service firms, and real estate brokerages — segments that bill by invoice and previously relied on traditional accounting firms. Rather than selling bookkeeping software for self-service use, Wint operates as an accounting-as-a-service provider, executing payments, filings, and reconciliations on the customer's behalf. Its core value proposition is genuine end-to-end automation: customers do not touch accounting entries, and the platform delivers real-time bookkeeping, automated tax filings, payroll processing, invoicing, and annual reports under a single fixed-price subscription.

The technical platform is a proprietary cloud system built in-house that integrates directly via APIs with all major Swedish banks (SEB, Handelsbanken, Nordea, Swedbank, Danske Bank) and the Swedish Tax Agency (Skatteverket), enabling automated payment execution, real-time bank reconciliation, and direct filing of VAT returns, employer declarations, and income tax submissions. The platform extends into payments via Wintkortet, a corporate Visa card issued in partnership with Mynt, where purchase transactions are automatically captured and booked. A mobile app provides computer-vision receipt scanning and approval workflows for salaries, invoices, and expenses. Vertical-specific functionality includes handpenning (down payment deposit) management for real estate agents with native integrations to Fastighetsbyrån, Vitec, and Mspecs, and the company holds FAR authorization as a regulated Swedish accounting service.

Revenue is generated through monthly subscriptions that scale with company size (employees and turnover), ranging from 625 SEK/month for holding companies to over 9,440 SEK/month for firms with 11-50 employees, with custom enterprise pricing above 50 employees. Go-to-market combines self-serve digital acquisition (free two-month trial, Wint Academy educational content, free 3:12 and salary calculators as lead magnets) with inside sales for guided onboarding. A free pre-registered shelf company (lagerbolag) is offered as an acquisition incentive, and an auditor referral network of approximately 770 connected reviewers drives trust-based lead flow. Following its October 2024 acquisition by Norvestor, Wint has pursued an aggressive expansion strategy including debt financing from CIBC Innovation Banking (June 2025), a strategic investment from Grosvenor (December 2025), and the acquisition of two accounting firms (February 2026).

Name

Wint

Legal name

Wint AB

Website

https://wint.se

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

101–250 employees

Short description

Wint is a Swedish accounting-as-a-service platform serving approximately 5,000 small businesses with fully automated bookkeeping, payroll, invoicing, and tax filings. Its proprietary platform integrates directly with Swedish banks and Skatteverket, replacing traditional accounting firms via a fixed monthly subscription.

Ownership category

akta.pro rank

Headquarters

HQ city

Göteborg

HQ country

Sweden

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Subscription Revenue — Automated Accounting Service: Wint charges a fixed monthly subscription fee for its all-in-one automated bookkeeping and financial management service. Pricing tiers are based on company size (number of employees) and monthly turnover. The service includes all features (bookkeeping, invoicing, payroll, tax filings, annual reports, bank integration, and smart business card) with no add-ons or per-transaction fees.
2. Warehouse Company (Lagerbolag) Formation: Wint offers pre-formed shelf companies (lagerbolag) free of charge to new customers who sign up for the accounting service. This serves as a customer acquisition tool rather than a direct revenue stream.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels9 records

Core offering

Wint provides a fully automated, subscription-based accounting-as-a-service platform for Swedish small businesses (aktiebolag). It replaces traditional bookkeeping firms by handling real-time bookkeeping, invoicing, payroll, bank reconciliation, VAT and tax filings, annual reports, and corporate card transactions end-to-end — all delivered as a fixed monthly fee with all features included.

Product overview

Wint is a unified automated accounting-as-a-service platform for Swedish small businesses (aktiebolag). The core Wint platform provides end-to-end accounting automation — handling bookkeeping, tax filings, payroll, invoicing, payments, bank reconciliation, and annual reports in real-time — all delivered as a single fixed-price subscription with no binding period. The product suite is built around the core Wint platform, which is complemented by the Wintkortet corporate Visa card (issued via Mynt partnership) for seamless purchase recording and automatic bookkeeping. Free calculator tools — the 3:12 Calculator for dividend planning and the Salary Calculator for owner compensation — serve as lead-generation tools that drive customers to the core platform. Wint Academy provides educational content (articles, guides, webinars) to support entrepreneurs throughout their business lifecycle. The lagerbolag (pre-registered company formation) service acts as an acquisition channel, offering free company registration bundled with a 12-month Wint subscription commitment. All components share a common data layer: the Wint app provides the unified interface for customers to approve payments, submit receipts, view reports, and manage their business finances.

Differentiator

Problem solved

Functional benefit

Products and services

• Wint Automated Accounting Platform Cloud-based, fully automated accounting-as-a-service platform for Swedish small businesses (aktiebolag). Replaces traditional accounting firms by handling bookkeeping, invoicing, payroll, bank reconciliation, VAT and tax filings, annual reports, and payments end-to-end in real time. Delivered as a fixed monthly subscription with all features included and no binding period.
• Wintkortet (Smart Corporate Visa Card) Smart corporate Visa card fully integrated with Wint's accounting platform. All card purchases appear automatically in Wint with pre-filled receipt drafts, automatic categorization, and seamless booking. Functions as both debit and credit (up to 25,000 SEK interest-free for 15 days). Issued in partnership with Mynt.
• Wint Mobile and Web App Mobile (iOS/Android) and web application providing a real-time financial dashboard, to-do list for accounting tasks, receipt submission via camera, invoice approval, salary approval, and expense management for Swedish small business customers.
• Automated Handpenning and Commission Management for Real Estate Agents Specialized real estate agent workflow that tracks buyer deposits (handpenning) automatically through the transaction lifecycle — from deposit through agent commission payout — with native integrations to Fastighetsbyrån and Vitec real estate agency systems. Used by brokerages from single offices to Sweden's largest chains.
• Lagerbolag (Pre-Registered Shelf Company Formation) Free pre-registered aktiebolag (shelf company) offered to new customers, with bank account (via SEB), VAT, F-tax, and employer registration already completed. Customer only needs to deposit the 25,000 SEK share capital. Bundled with a 12-month Wint accounting subscription.
• 3:12 Dividend Calculator (3:12-kalkylator) Free online calculator enabling shareholders of Swedish aktiebolag to calculate dividend capacity under Sweden's updated 3:12 tax rules, showing the impact of 2026 rule changes on gränsbelopp and resulting tax implications.
• Salary Calculator (Lönekalkylator) Free online calculator that lets Swedish entrepreneurs determine how much salary they can draw from their aktiebolag. Users input hourly billing rate, working hours, and company expenses to see net monthly salary, employer social contributions, and impact on company profits.
• Wint Academy Educational content hub providing articles, guides, live and on-demand webinars, and templates on Swedish entrepreneurship, company formation, tax optimization, payroll, bookkeeping best practices, and business growth strategies.

Quantifiable outcome

• Users reduce administrative time by approximately 50% (one customer reported halving time spent on admin and bookkeeping)
• +2 more outcomes

Named customers11 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

AI capability4 records

Feature8 records

Partnerships

Five partnerships are on record, tiered core and flagship.

• SEB (Skandinaviska Enskilda Banken)coreTechnology or IntegrationWint is integrated with SEB for bank account connectivity, enabling automatic payment processing, bank reconciliation, and cash flow management. Wint's startup package for new companies includes a free SEB bank account as part of the lagerbolag offering.
• Handelsbanken, Nordea, Swedbank, Danske BankcoreTechnology or IntegrationWint maintains bank integrations with all major Swedish banks to enable automated payment processing, bank account reconciliation, and direct bank feeds for real-time bookkeeping across its customer base.
• FastighetsbyrånflagshipStrategic or Co-development PartnerWint has an integration partnership with Fastighetsbyrån, Sweden's largest real estate brokerage chain, enabling seamless handpenning (down payment deposit) management, automated commission tracking, and centralized financial data across all Fastighetsbyrån offices.
• ViteccoreTechnology or IntegrationWint integrates with Vitec's real estate agency software to enable automatic flow of transaction data, handpenning management, and financial reconciliation for real estate agents using the Vitec platform.
• MyntcoreTechnology or IntegrationMynt is the card issuing partner behind the Wintkortet (Wint Smart Business Card). Mynt provides the physical and virtual Visa card infrastructure, while Wint provides the automated receipt capture, categorization, and bookkeeping layer on top. Some card management functions (PIN, blocking, spending limits) are handled in Mynt's app.

Scale indicators5 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Bokio: Swedish digital bookkeeping app targeting freelancers, sole proprietors, and micro-businesses with a freemium model. Comparable to Wint's starter tier customers and competes on price in the same Swedish SMB segment.
• Fortnox: Sweden's leading cloud accounting and business platform for SMBs, offering bookkeeping, invoicing, payroll, and e-commerce integrations. Directly comparable to Wint on Swedish SMB accounting software, though Fortnox is more software-led while Wint is positioned as a full-service automated offering.
• Aspia (formerly PE Accounting): Nordic accounting and business services firm combining automated accounting software with traditional accountant services. Most directly comparable to Wint's full-service automated accounting model for Swedish aktiebolag.
• SpeedLedger: Swedish automated accounting and invoicing platform for SMBs, with integrations to Swedish banks and Skatteverket. Closely comparable product architecture and target customer to Wint.
• Dooer: Swedish accounting-as-a-service provider offering automated bookkeeping with bundled accountant support. Competes with Wint on the 'full-service automation' positioning in the Swedish SMB market.
• Björn Lundén: Long-standing Swedish provider of accounting software and tax information services for SMBs and accounting firms. Comparable to Wint's SMB customer base and bookkeeping product, with stronger legacy footprint among traditional accountants.

Broad incumbents

• Visma eEkonomi: Part of Nordic ERP/accounting giant Visma, offering cloud bookkeeping for Swedish SMBs. Comparable customer base and feature set, but sits within a much broader enterprise software portfolio.
• Accountor: Nordic accounting, payroll, and business services group operating across multiple countries with both software and outsourced accountant offerings. Comparable to Wint's service breadth, though operating at significantly larger scale across multiple geographies.
• Wolters Kluwer Tax & Accounting: Global tax and accounting software vendor serving accountants and SMBs. Comparable in the accounting-software category at a much larger scale, with less depth in Swedish-specific SMB automation.

Regional players

• Srf Konsulterna: Swedish industry association of accounting and consulting firms. Member firms directly compete with Wint in the Swedish SMB bookkeeping market as the traditional-accountant alternative Wint is displacing.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/vi.heter.wint
• LinkedInlinkedin.com/company/wint
• Instagraminstagram.com/wint.se
• Xx.com/wint

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds4 records

Investors4 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Wint