Billomat

What Billomat does

Billomat is a cloud-based SaaS accounting and invoicing platform targeted at German freelancers, Kleinunternehmer, and small-to-medium enterprises (Mittelstand). The product covers the full SMB receivables workflow: invoice creation with personalized templates and recurring schedules, automated multi-level dunning, bank transaction reconciliation, incoming invoice management, EÜR (income-expenditure statement) generation, and e-invoicing in XRechnung and ZUGFeRD formats compliant with the CEN EN 16931 standard required by the January 2025 German mandate. Underlying technology is a multi-tenant cloud SaaS hosted on German servers, with a documented REST/XML API (covering accounts, clients, invoices, recurrings, reminders, webhooks, and ~20 other entity types), a FinTec Systems banking integration reaching over 3,000 banks in Germany and Austria, and a DATEV-connect / Buchungsdatenservice interface for tax-advisor data exchange.

The business operates a product-led go-to-market motion: customers self-register at billomat.com, use a 14-day free trial (no credit card required), and convert to a tiered monthly subscription (Solo and Business plans), with banking features included free on Business. Add-on monetization includes the DATEV interface, Shopify integration for e-commerce, and embedded factoring (via parent aifinyo AG) plus a debt collection (Debitor-Inkasso) module. Distribution runs through direct online sales, tax-advisor referrals, and a partner/affiliate program, with content marketing (Magazin, Lexikon, Webinare, FAQ) as the primary demand generation engine.

Billomat is operated by aifinyo AG, a German public limited company (Aktiengesellschaft) registered in Berlin (HRB 246794 B, Amtsgericht Charlottenburg). Leadership of aifinyo comprises executive board members Stefan Kempf and Matthias Bommer, with Florian Renner as Chairman of the Supervisory Board. Billomat is headquartered in Nuremberg (with aifinyo AG's registered office in Berlin), holds ISO 27001, ISO 27018, and TÜV certifications, and is fully GoBD- and GDPR-compliant. Headcount is reported at 11–50 employees, and the platform serves thousands of SMB customers primarily in Germany with banking coverage extending into Austria.

Name

Billomat

Legal name

aifinyo AG

Website

https://billomat.com

Company type

Public

Founded year

2007

Operating status

Operating

Headcount range

11–50 employees

Short description

Billomat is a cloud-based accounting and invoicing SaaS for German freelancers, Kleinunternehmer, and SMEs, offering automated dunning, banking reconciliation via FinTec Systems (3,000+ banks), XRechnung/ZUGFeRD e-invoicing, DATEV integration, and embedded factoring and debt collection through parent aifinyo AG.

Ownership category

akta.pro rank

Product category

Cloud Accounting & Invoicing Software

NAICS

Business Support Services (5614)

SIC

Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Bill Pay, Invoicing & Payables Platforms (BPAMAFAF)

akta.pro secondary industries

Biller Direct EBPP Platforms (FSAMAJAA), Recurring Billing & AutoPay Management (FSAMAJAE)

Keywords

• Cloud accounting software
• Invoicing software
• Automated dunning
• E-invoicing compliance
• Small business accounting

Headquarters

HQ city

Nuremberg

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Subscription Software Licensing: Cloud-based SaaS subscription model with tiered pricing plans (Solo, Business). Users pay subscription fees for access to accounting, invoicing, and related features. Banking feature is free for Business plan users. Test period of 14 days free, then paid subscription begins.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Billomat is a cloud-based online accounting and invoicing SaaS that enables freelancers, small businesses, and SMEs to create and manage invoices, automate dunning, reconcile bank payments, generate EÜR income statements, and exchange data with tax advisors via DATEV. The platform supports German-specific compliance including GoBD, E-Bilanz, and the e-invoicing mandate (XRechnung/ZUGFeRD) effective January 2025, with optional add-ons for factoring, debt collection, Shopify e-commerce, and a documented REST API.

Product overview

Billomat is a cloud-based online accounting and invoicing software (Online-Buchhaltungssoftware) offered by aifinyo AG, designed for small businesses, freelancers, and SMEs in Germany. The platform is built around a unified core product that combines invoice creation and management, automated dunning, e-invoicing (XRechnung/ZUGFeRD), online banking integration (via FinTec Systems), accounts payable/receivable management, factoring, and a REST API. The portfolio extends through add-on modules including the DATEV-Schnittstelle for accountant data export, Shopify add-on for e-commerce integration, Debitor-Inkasso for outsourced debt collection, and Factoring powered by parent company aifinyo AG. The platform also features an AI Assistant (KI-Assistent) for in-app support and an Einnahmenüberschussrechnung (EÜR) module for simplified tax reporting. A fully documented REST API enables developers to build custom integrations and automate workflows.

Differentiator

Problem solved

Functional benefit

Products and services

• Billomat (Core Platform) Cloud-based online accounting and invoicing software (Online-Buchhaltungssoftware) for freelancers, small businesses, and SMEs. Provides invoice creation and management, accounts payable/receivable tracking, recurring invoices, client management, and a documented REST API.
• E-Rechnung (E-Invoicing) E-invoicing module supporting XRechnung and ZUGFeRD formats compliant with CEN EN 16931, enabling creation, receipt, and processing of structured electronic invoices for German businesses subject to the 2025 e-invoicing mandate.
• Automatisches Mahnwesen (Automated Dunning) Automated dunning module that recognizes overdue payments and generates dunning documents automatically based on configurable dunning levels, fees, and reminder intervals, with the ability to stop automatically when payment is received via bank integration.
• Billomat Banking (Online-Banking) Online banking integration connecting business bank accounts to Billomat via FinTec Systems, providing real-time transaction monitoring, automatic payment-to-invoice reconciliation three times daily, and a finance dashboard. Free for Business plan users.
• DATEV-Schnittstelle (DATEV Buchungsdatenservice) Add-on enabling seamless export of booking data and annual financial statements for direct transfer to accountants and tax advisors via the DATEV accounting system, essential for German businesses working with Steuerberater.
• Shopify Add-on Integration add-on connecting Billomat with Shopify stores for synchronized order and invoice management, enabling e-commerce businesses to manage their invoicing and accounting alongside their online storefront.
• Debitor-Inkasso (Debt Collection) Debt collection add-on that transfers outstanding invoices directly to a professional debt collection service through the Billomat interface, enabling outsourcing of receivables management with a few clicks.
• Billomat API REST/XML API providing programmatic access to all Billomat entities including invoices, clients, suppliers, articles, reminders, recurring invoices, estimates, incoming invoices, credit notes, delivery notes, letters, settings, users, and webhooks for custom integrations and automation.
• Factoring Factoring service provided by aifinyo AG that enables businesses to sell receivables for immediate liquidity, with protection against payment defaults and professional debtor management, typically settled within 48 hours of invoice submission.
• Eingangsrechnungsverwaltung (Incoming Invoice Management) Module for managing and processing incoming (purchase) invoices, including automated document recognition, categorization, and payment tracking for accounts payable workflows.
• Einnahmenüberschussrechnung (EÜR) Income-expenditure statement (EÜR) module for small businesses and freelancers not required to maintain double-entry bookkeeping, enabling simplified profit determination for German tax filings.

Quantifiable outcome

• Faster invoice processing and dunning
• +2 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability3 records

Feature6 records

Partnerships

Four partnerships are on record, tiered core.

• FinTec SystemscoreTechnology or IntegrationBillomat partners with FinTec Systems to provide banking integration, enabling connection to over 3,000 banks in Germany and Austria. This partnership powers the Billomat Banking feature that automatically reconciles payments with invoices. Users link their bank accounts through FinTec Systems' infrastructure, with transactions retrieved three times daily.
• DATEVcoreTechnology or IntegrationDATEV-connect online integration allows seamless data exchange between Billomat and tax advisors' accounting systems. Billomat supports DATEV Buchungsdatenservice for automated transfer of booking data, essential for German businesses working with tax advisors.
• Debitor-Inkasso (aifinyo)coreTechnology or IntegrationBillomat offers an integrated debt collection add-on that connects to professional debt collection services. Customers can transfer overdue invoices directly to collection agencies through a few clicks in the Billomat interface, providing integrated accounts receivable management.
• aifinyo (Factoring)coreTechnology or Integrationaifinyo, the parent company, provides factoring services integrated with Billomat. Customers can access factoring to improve liquidity and protect against payment defaults, with invoice financing typically within 48 hours of invoice submission. The factoring add-on is available directly within Billomat.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• BuchhaltungsButler: BuchhaltungsButler is a German cloud bookkeeping solution focused on SMBs working with tax advisors. It competes with Billomat on DATEV-based workflows and GoBD compliance but is positioned as a bookkeeper-led alternative.
• Candis: Candis is a Berlin-based AI-driven accounting automation platform for German SMBs, focused on invoice capture and approval workflows. It is an emerging alternative to Billomat's incoming invoice management and bookkeeping automation.

Broad incumbents

• DATEV: DATEV is the dominant German cooperative providing accounting software and tax-advisor infrastructure. While it is also a Billomat integration partner, it competes broadly in the SMB accounting space and owns the largest share of German tax-advisor relationships.
• Sage: Sage offers Sage Business Cloud Accounting and related SMB financial software in Germany. It overlaps with Billomat on invoicing, banking, and basic accounting for SMBs, but as part of a much broader global portfolio rather than as a Germany-only specialist.
• Haufe Group: Haufe Group is a large German provider of business software, tax, and compliance content that owns Lexoffice. As a broad incumbent in German SMB accounting and compliance, it represents the most powerful competitor to Billomat's niche.

Direct peers

• Lexoffice: Lexoffice is the leading cloud accounting and invoicing SaaS for German SMBs, freelancers, and tax advisors, backed by Haufe Group. It directly competes with Billomat on invoicing, DATEV integration, banking reconciliation, and GoBD compliance for the same target customer.
• sevDesk: sevDesk is a German-speaking cloud accounting and invoicing platform for freelancers, self-employed, and SMEs. It competes head-to-head with Billomat on invoicing, dunning, DATEV export, and bank reconciliation, with overlapping pricing tiers and PLG motion.
• Easybill: Easybill is a German cloud invoicing platform for SMBs and online retailers with strong e-commerce integrations. It directly overlaps with Billomat on invoice creation, dunning, recurring billing, and integration with online stores such as Shopify.
• sevtec (sevDesk Group): Already captured via sevDesk entry; the sevDesk Group also operates complementary invoicing/accounting brands across the DACH region, all directly competing with Billomat's SMB/freelancer segment.
• FastBill: FastBill is a German cloud invoicing and accounting tool targeting freelancers and small businesses. It overlaps with Billomat on core invoicing, dunning, banking, DATEV, and subscription billing, with a similar self-serve onboarding flow.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/billomat
• Facebookfacebook.com/billomat

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

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 Billomat