Skattio AB

What Skattio AB does

Skattio AB is a Gothenburg-based, privately-held Swedish software company founded in 2023 that builds an AI-assisted tax optimization platform targeting owners of Swedish aktiebolag and fåmansbolag. Its core product, Skattio TaxMiner, connects to the customer's Fortnox accounting via an official OAuth integration, then performs an automated, incremental scan of the full ledger — every verifikation, saldo, and löne entry — to surface missed deductions, VAT errors, suboptimal 3:12 salary/dividend mix, unused periodiseringsfond, and pension allocation shortfalls. Quantified, prioritized insights are displayed in kronor, accompanied by interactive simulators for 3:12 (salary vs dividend) and bilförmån, an AI-skattecoach grounded in the user's own numbers, an AI-generated daily briefing, and direct verifikation write-back into Fortnox. Tax math is executed by deterministic rule engines versioned annually against Skatteverket constants; AI is used only for explanations and conversational guidance.

The company monetizes through a single Premium SaaS tier priced at SEK 395/month or SEK 3,950/year, with a 7-day free trial, no contractual lock-in, and no field sales motion. Go-to-market is product-led self-serve, distributed via the Skattio website, the Fortnox app marketplace, and a content/SEO engine centered on Swedish-language tax guides and a free 3:12 calculator. A secondary 'Deklaration' product for private individuals is in private beta, and support for enskild firma is announced for 2026. The company has 1-10 employees, operates in private beta with an invitation-only waitlist, and has raised three small rounds from Chalmers Ventures AB totaling approximately SEK 2.2M (USD ~215K) between September 2023 and January 2025.

Name

Skattio AB

Legal name

Skattio AB

Website

https://skattio.se

Company type

Private

Founded year

2024

Operating status

Operating

Headcount range

1–10 employees

Short description

Skattio AB is a Swedish SaaS company that uses AI to optimize tax for owners of aktiebolag and fåmansbolag by scanning their Fortnox bookkeeping and surfacing quantified savings, 3:12 planning, and pension/VAT recommendations on a self-serve subscription.

Ownership category

akta.pro rank

Product category

Tax Optimization Software

NAICS

Accounting, Tax Preparation, Bookkeeping, and Payroll Services (5412), Other Computer Related Services (541519)

SIC

Finance Services (6199)

akta.pro primary industry

Tax Planning & Personal Tax Optimization Tools (FSAGADAJ)

akta.pro secondary industries

Mileage & Trip Expense Capture (Odometer, GPS-Based, Per-Diem) (TLABAMAE), Expense Tracking & Financial Dashboards (FSAGADAB)

Keywords

• Tax optimization software
• AI tax assistant
• Corporate tax planning
• 3:12 optimization
• Swedish tax compliance

Headquarters

HQ city

Gothenburg

HQ country

Sweden

HQ region

Europe

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Premium Subscription: Monthly or annual SaaS subscription providing full tax optimization, advanced simulations, actionable recommendations, and AI coaching. Premium tier unlocks all features including salary vs dividend, pension, and scenario simulations.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Skattio AB offers an AI-driven tax optimization SaaS platform for Swedish aktiebolag and fåmansbolag (owner-managed limited companies). The platform connects to Fortnox via official OAuth to scan full bookkeeping data and identify missed deductions, optimize 3:12 salary/dividend mix, plan pension contributions, periodization funds, and VAT. It delivers quantified recommendations in kronor, includes interactive simulators, an AI tax coach, and the ability to book actions directly into Fortnox.

Product overview

Skattio AB offers a unified AI-driven tax optimization platform for Swedish aktiebolag and fåmansbolag. The core product is Skattio TaxMiner, which connects to Fortnox via OAuth to automatically scan accounting data and identify tax savings. The platform centers on 3:12 rule optimization (salary vs dividend mix), pension allocation, periodiseringsfond, VAT analysis, and car benefit calculation. Key features include an AI chat coach, daily AI briefings, interactive simulators for salary/dividend and car benefit scenarios, and direct bookkeeping into Fortnox. A separate Deklaration product for private individuals is in private beta. Premium subscription at 395 kr/month unlocks all features. The platform is validated against Swedish tax law and Skatteverket regulations for 2026.

Differentiator

Problem solved

Functional benefit

Brands

• Skattio TaxMiner: AI-powered tax analysis tool that scans bookkeeping to identify savings opportunities

Quantifiable outcome

• Up to 25% of profit can be deferred via periodization fund
• +2 more outcomes

Named customers1 record

Segments1 record

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability7 records

Feature6 records

Partnerships

One partnership is on record.

• FortnoxcoreTechnology or IntegrationOfficial Fortnox integration via OAuth. Skattio is described as an 'Officiell Fortnox-app' (Official Fortnox app). Users authorize access directly in Fortnox and can revoke anytime. Enables Skattio to read bookkeeping data and create verifications directly in the customer's Fortnox account.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Botta: Botta is a Swedish AI assistant for accounting, tax, and legal questions targeting SMB owners and accountants. It overlaps with Skattio's AI-skattecoach value proposition (conversational AI for tax guidance) and targets a similar Swedish SMB customer base, though as a Q&A tool rather than an integrated optimization platform.
• Pleo: Pleo is a Nordic expense management and corporate card platform serving SMBs across Scandinavia. While broader in geographic reach and not tax-optimization focused, it captures some of the same expense-tracking and tax-relevant data that Skattio uses to surface savings opportunities.
• Trezi (formerly Tink Read): Trezi is a Swedish expense management and receipt-capture tool used by small businesses. It addresses adjacent tax-relevant workflows (expense categorization, VAT handling) and targets a similar SMB persona, making it a partial-overlap emerging player in the Swedish SMB fintech space.

Direct peers

• Dooer: Dooer is a Swedish fintech offering automated bookkeeping and tax-relevant workflows for small businesses and entrepreneurs. It targets a similar SMB f\u00e5mansbolag/enskild firma customer base and competes for the same digital-first, self-serve tax and accounting use cases.
• SpeedLedger: SpeedLedger is a Swedish cloud-based accounting and tax filing platform focused on SMBs. It offers bookkeeping, tax submission, and advisory features that overlap with Skattio's SMB f\u00e5mansbolag positioning and represents a direct peer in the Swedish self-serve accounting/tax market.
• Wint: Wint is a Swedish corporate card and expense management platform with tax-compliance automation features for SMBs. It addresses overlapping pain points (mileage, expense deductions, VAT handling) and competes for the same f\u00e5mansbolag owner persona that Skattio targets.
• Bokio: Bokio is a Swedish SMB accounting SaaS that combines bookkeeping, invoicing, and tax filing for small businesses. It directly competes with Skattio in serving Swedish aktiebolag with digital, self-serve tax-relevant workflows, though Bokio is broader (full accounting) while Skattio is a tax-optimization overlay.

Broad incumbents

• Visma eEkonomi: Visma is a major Nordic provider of accounting, payroll, and tax compliance software used by Swedish SMBs. As a broad incumbent, it offers overlapping capabilities (bookkeeping integration, tax modules) but does not specialize in f\u00e5mansbolag-specific optimization the way Skattio does.
• Fortnox: Fortnox is Sweden's leading cloud accounting platform and is Skattio's core integration partner. As a broad incumbent serving most Swedish SMBs, it could plausibly build native tax optimization features that would compete directly with Skattio, representing both a partner and a potential competitive threat.
• Accountor: Accountor is a large Nordic accounting, payroll, and advisory services provider with a significant Swedish presence. As a broad incumbent, it serves SMB clients with both software and professional services, overlapping with Skattio's tax optimization value proposition for f\u00e5mansbolag owners.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds3 records

Investors1 record

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 Skattio AB