NulaBG
NulaBG (NULA) is a Bulgarian AI-powered cloud platform by Cloud Tek OOD that integrates banking, accounting, invoicing, payroll, and tax compliance into one product for Bulgarian SMBs, freelancers, and accounting firms.
- Company typePrivate
- Founded2021
- HeadquartersVarna, Bulgaria
- Headcount1–10
- GTM typeB2B and B2C
- OfferingSoftware
What NulaBG does
NulaBG (branded NULA) is a Bulgarian cloud-based AI business platform operated by Cloud Tek OOD (Клауд Тек ООД), a private limited company headquartered in Varna, Bulgaria. The platform unifies business banking, accounting, invoicing, expense management, payroll, tax compliance, CRM, and inventory into a single product for Bulgarian small and medium businesses, freelancers, and accounting firms. Its technology stack is built on AWS infrastructure and combines open banking APIs, OCR-based document capture, automatic bank reconciliation, and an MCP-server-based AI assistant (Tanya) that queries live accounting data for month-end closing and VAT analysis.
NULA generates revenue primarily through tiered SaaS subscriptions (Invoice Pro €9, Business Start €19, Business Premium €49, and Accounting Firm €99 per month, with a 20% discount for annual billing), supplemented by an OCR add-on (€9/month), an Accounting Package add-on for bulk NAP filing (€29/month), and an Accountant Partner Program (Silver, Gold, Platinum tiers) that lets accounting firms resell subscriptions to their clients at 20-40% discounts while retaining the margin. Additional revenue streams include embedded business banking through NULA Wallet (powered by Easy Payment Services Ltd, providing BG IBAN accounts and SEPA transfers) and a referral commission from the Klear Lending partnership for business financing. The go-to-market blends product-led self-serve acquisition with a channel-partner motion targeted at Bulgarian accounting firms, plus content marketing, YouTube, and a recurring University of Economics Varna curriculum partnership.
The company is privately held with no disclosed external funding, no public revenue figures, and no parent company. Notable operational scale includes 10,000+ companies on the platform, 2,000,000+ processed documents, 1,000,000+ bank payments generated, €10,000,000+ in facilitated business financing, and a 99.9% uptime guarantee. Recent strategic emphasis has been on Bulgarian regulatory compliance (SAF-T, NAFT, NAP automation, Euro transition) and on deepening the AI layer (Tanya) and embedded financial services (NULA Wallet, Klear Lending).
NulaBG firmographics
Firmographics- Name
- NulaBG
- Legal name
- Клауд Тек ООД
- Website
- https://nula.bg
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- NulaBG (NULA) is a Bulgarian AI-powered cloud platform by Cloud Tek OOD that integrates banking, accounting, invoicing, payroll, and tax compliance into one product for Bulgarian SMBs, freelancers, and accounting firms.
- Ownership category
- akta.pro rank
NulaBG industry classification
Industry- Product category
- Cloud Accounting Software
- NAICS
- Software Publishers (5132)
- SIC
- Services-Prepackaged Software (7372), Services-Computer Programming, Data Processing, Etc. (7370)
- akta.pro primary industry
- Intelligent Document Processing (IDP) & OCR Automation (HDAEAHAC)
- akta.pro secondary industry
- Network-as-a-Service (NaaS) & On-Demand Connectivity (HDABALAE)
Keywords
Where NulaBG is headquartered
LocationHeadquarters
- HQ city
- Varna
- HQ country
- Bulgaria
- HQ region
- Europe
Offices1 record
Markets served
NulaBG business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Subscription Plans: Tiered SaaS subscription model with four main plans (Invoice Pro €9, Business Start €19, Business Premium €49, Accounting Firm €99) billed monthly or annually with 20% discount for annual. Includes unlimited users on all plans.
- OCR Plan: Additional OCR scanning credits plan at €9/month or €90/year with 200 free scans included. Additional sub-companies can use OCR without separate subscriptions.
- Accounting Package Add-on: €29/month package for accounting firms including unlimited clients, bulk NAP submission, full automation and all Business plan features.
- Klear Lending Commission: Revenue share from business financing referrals through Klear Lending partnership for fast business loans.
- Partner Program Margins: Accountants purchase at partner rates (20-40% discount) and set their own customer pricing, keeping the margin as recurring revenue.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Invoice Pro - Essential invoicing tools for starting businesses |
| Subscription | Monthly | Business Start - Income, expense and tax tracking |
| Subscription | Monthly | Business Premium - Full internal accounting |
| Subscription | Monthly | Accounting Firm - Professional accounting services |
| Subscription | Monthly | OCR Plan - Additional document scanning |
| Subscription | Monthly | Accounting Package - For accounting firms |
| Subscription | Monthly | Accountant Firm Subscription |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels5 records
NulaBG product offering
Product offeringCore offering
NULA is a cloud-based AI business platform that unifies business banking (BG IBAN, SEPA payments), accounting, invoicing, expense management, payroll, CRM, and tax compliance (NAP/SAF-T) for Bulgarian small and medium businesses and accounting firms. The platform uses AI-powered OCR for document capture, automated bank reconciliation, and the Tanya AI assistant built on MCP server architecture to deliver services through four tiered subscription plans (€9 to €99/month).
Product overview
NULA is a unified AI business platform (Cloud Tech Ltd, Bulgaria) combining banking, accounting, invoicing, payroll, inventory management, and CRM. The core platform offers open banking integration and the proprietary NULA Wallet (via Easy Payment Services Ltd) for embedded business banking. The product portfolio includes tiered subscription plans (Invoice Pro €9, Business Start €19, Business Premium €49, Accounting Firm €99/month), specialized modules like ChatCFO for AI-powered financial analytics, Tanya AI accounting assistant (MCP-based), OCR scanning (€9/month standalone), NAP automation for Bulgarian tax filings, Klear Lending for business loans, and a three-tier partner program for accounting firms.
Differentiator
Problem solved
Functional benefit
Brands
- NULA Wallet: Embedded business banking service providing BG IBAN accounts, instant SEPA transfers, mass payments, and automated reconciliation, powered by Easy Payment Services Ltd.
- OCR Plan
- Accountant Partner Program
- Tanya (AI Assistant)
Products and services
- NULA Accounting AI-powered online accounting software with standard chart of accounts, fixed asset management, VAT/tax calculations, payroll, and automated financial statements. Includes warehouse and manufacturing management. Designed for Bulgarian SMBs and accounting firms.
- NULA Wallet Embedded business banking service providing BG IBAN business accounts in EUR, instant SEPA transfers, mass payments, scheduled transfers, and automatic reconciliation with invoices, expenses, salaries, and accounting records. Provided by Easy Payment Services Ltd and targeted at Bulgarian SMBs.
- Tanya AI Accounting Assistant AI accounting assistant powered by MCP (Model Context Protocol) server architecture that works directly with real-time NULA data to answer questions about month-end closings, invoices, VAT positions, and overdue receivables. Targeted at accountants and accounting firms.
- OCR Plan Standalone OCR scanning subscription plan offering 200 free scans per month with multi-channel document capture (phone, email, web upload). Priced at €9/month or €90/year and supports unlimited sub-companies. Targeted at Bulgarian businesses needing automated invoice data extraction.
- NAP Automation for Accounting Firms Automated tax filing integration for the Bulgarian National Revenue Agency (NAP) portal. Enables bulk submission of tax declarations for all clients simultaneously with B-Trust qualified electronic signatures and full submission history. Bundled in the Accounting package at €29/month and targeted at Bulgarian accounting firms.
- Accountant Partner Program Three-tier (Silver/Gold/Platinum) partner program for Bulgarian accounting firms that offers 20-40% discount on subscriptions, free migration services (Gold+), certification, and co-marketing opportunities. Partners bill clients at their own rates, retaining the discount as recurring revenue margin.
- Embedded Banking Integration Open banking integration that connects multiple bank accounts in one view, enabling invoice payment via OCR/AI, mass transfers, payment approval workflows, and automatic reconciliation with invoices and accounting records. Targeted at Bulgarian businesses needing consolidated banking visibility.
Quantifiable outcome
- 99.9% uptime guarantee
- +3 more outcomes
Companies that use NulaBG
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles3 records
NulaBG technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
AI capability10 records
Feature9 records
NulaBG partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and minor.
- Easy Payment Services LtdcoreNULA Wallet banking services are provided through Easy Payment Services Ltd (easyps.bg). NULA provides the interface and platform integration. Wallet includes BG IBAN accounts in EUR, instant SEPA transfers, mass payments, scheduled transfers, and automatic matching with invoices, expenses, payroll and accounting.
- B-TrustcoreB-Trust provides qualified electronic signatures for automatic NAP tax declaration submission through NULA's bulk filing system. Ensures compliance with NAP requirements and security standards.
- ViaActiveminorPartnership combining ViaActive's accounting expertise with NULA platform to provide comprehensive financial success solutions. ViaActive handles accounting services while NULA provides the technology platform.
- University of Economics VarnaminorThird consecutive year of partnership (2026) in the 'Information Systems and Technologies in Accounting' course. Students work with NULA's cloud accounting solution as part of their education, connecting academic learning with real business practice.
- AWS (Amazon Web Services)coreNULA runs on AWS secure servers, providing cloud infrastructure for the platform with 2048-bit encryption and high security standards.
Scale indicators6 records
Recent moves6 records
Expansion highlights6 records
NulaBG competitors and assessment
Company assessmentDirect peers
- Tide: Tide is a UK-based SMB business banking and admin platform with integrated invoicing, accounting, and expense tooling. Comparable in combining free/freemium banking with SaaS accounting features aimed at small businesses and accountants/bookkeepers.
- SmartBill: SmartBill is a leading cloud accounting and invoicing SaaS in Romania serving SMBs and accounting firms. Directly comparable given the adjacent Bulgarian market, similar SMB/accounting-firm ICP, and parallel feature surface (invoicing, expenses, ANAF compliance).
- Payhawk: Payhawk is a Bulgarian-founded spend management and embedded finance platform for SMBs and enterprises. It is the closest geographic and product peer, combining corporate cards, payments, OCR receipt capture, and accounting automation on a single platform.
- Qonto: Qonto is a European business banking and expense management platform for SMBs and freelancers. Closely comparable on embedded banking (IBAN, SEPA, mass payments), accounting integrations, and the SMB/freelancer target segment, though operating at a much larger European scale.
Broad incumbents
- QuickBooks: QuickBooks (Intuit) is the dominant global SMB accounting SaaS, with AI-driven bookkeeping, payments, and a large partner ecosystem. Same ICP and category, but a much broader, multi-country product versus NULA's Bulgarian focus.
- Sage: Sage is a long-established European accounting and payroll software provider serving SMBs and accountants. Comparable on accounting, payroll, and accountant-channel GTM, with strong European regulatory/compliance footprint that NULA competes against implicitly.
- Xero: Xero is a global cloud accounting SaaS for SMBs and accountants. Comparable on subscription SaaS accounting, partner/accountant programme, and AI-augmented features, but at much larger global scale rather than a Bulgarian specialist.
- FreshBooks: FreshBooks is an SMB and freelancer-focused accounting SaaS with invoicing, expense capture, and accountant collaboration. Comparable on freelancer/SMB ICP and tiered SaaS pricing, but North America-focused.
Regional players
- Microinvest: Microinvest is a Bulgarian-established POS, warehouse, and accounting software vendor. Directly comparable as a domestic Bulgarian competitor with overlapping SMB and accounting-firm segments, often considered a legacy incumbent NULA is disrupting.
- Datev: Datev is a German cooperative that provides accounting and tax-compliance software to German tax advisors and SMBs. Comparable on the accountant-channel-centric GTM, regulatory compliance depth, and SME accounting workflow automation, though serving a different national market.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights6 records
Customer concentration
NulaBG social profiles
Digital presenceNulaBG compliance and trust
Trust signalCompliance2 records
NulaBG financial estimates
Financial estimateRevenue estimate
Valuation estimate
NulaBG leadership team
Management profileNumber of profiles
Profiles1 record
NulaBG funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
NulaBG M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about NulaBG
What does NulaBG do?
NULA is a cloud-based AI business platform that unifies business banking (BG IBAN, SEPA payments), accounting, invoicing, expense management, payroll, CRM, and tax compliance (NAP/SAF-T) for Bulgarian small and medium businesses and accounting firms. The platform uses AI-powered OCR for document capture, automated bank reconciliation, and the Tanya AI assistant built on MCP server architecture to deliver services through four tiered subscription plans (€9 to €99/month).
Is NulaBG a public or private company?
NulaBG is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was NulaBG founded?
NulaBG was founded in 2021. It employs 1 to 10 people.
Where is NulaBG based?
NulaBG is headquartered in Varna, Bulgaria, in the Europe region.
How does NulaBG make money?
Five revenue lines are on record. Subscription Plans are the primary driver. The others are OCR Plan, accounting Package Add-on, klear Lending Commission and partner Program Margins.
Who are NulaBG's main competitors?
Direct peers on record are Tide, SmartBill, Payhawk and Qonto. Broad incumbents are QuickBooks, Sage, Xero and FreshBooks. Regional players are Microinvest and Datev.
Does NulaBG have an API?
No public API is recorded for NulaBG.
What industry is NulaBG in?
NulaBG's product category is Cloud Accounting Software. Its primary akta.pro industry code is HDAEAHAC, Intelligent Document Processing (IDP) & OCR Automation, with a secondary code of HDABALAE, Network-as-a-Service (NaaS) & On-Demand Connectivity. Its NAICS code is 5132 and its SIC code is 7372.