Pebe

What Pebe does

Pebe AG (legal entity pebe AG, DBA "pebe" and French-language variant "pebe SA") is a privately held Swiss accounting software company headquartered in Frauenfeld, Thurgau. The firm has provided professional accounting software for over 40 years and serves Swiss trust companies (Treuhänder), small and medium enterprises (KMU), family offices and asset managers in Switzerland and the Principality of Liechtenstein. The company is owned and led by Philipp Smolarz (CEO and shareholder) and Maurizio Lipari (shareholder), who took over the business in 2011, and operates with approximately 25 employees.

The company's product portfolio is anchored by pebeFINANCE, a modular .NET-based business software platform with tightly integrated modules for financial accounting, accounts payable and receivable (pebeKreditoren/pebeDebitoren), asset accounting, payroll (pebeLOHN — Swissdec-certified for Switzerland and Liechtenstein with electronic salary notification/ELM), service and time tracking (pebeLEISTUNG with the pebe mobile offline app), invoicing (pebeFAKTURA) and client collaboration (pebe Online/pebeCLIENT via RDP/Citrix). Complementary products include pebeINVEST for securities accounting (portfolio valuation, yield calculation, reporting) and pebe Live, a cloud-based web application launched in 2021 under a freemium model for SMEs. The platform supports modern Swiss payment standards including QR-receipts, EBICS/ISO 20022 bank connectivity, structured addresses and integration with ZEFIX, the Swiss commercial register.

Pebe monetizes primarily through quote-based module subscriptions and maintenance contracts for pebeFINANCE (deployed on-premises or via VoiceLan's FINMA-/ISO-certified cloud), an annual subscription for pebe Live (free for up to 3 salary recipients, with a referral program paying 15% of subscription revenue up to CHF 60), and professional services including pebe academy training and consulting. Distribution combines direct sales through the website with a channel partner network: VoiceLan SA for cloud hosting, Jet-Info for French-speaking Switzerland, root-service ag for IT infrastructure and SPITEX/Perigon integration, Kendox for document management, and BMD for ERP and audit tool integration. The company also holds the Swiss Made Software label and is a member of the Treuhand Suisse industry association.

Name

Pebe

Legal name

pebe AG

Website

https://pebe.ch

Company type

Private

Founded year

1970

Operating status

Operating

Headcount range

11–50 employees

Short description

Pebe AG is a Swiss accounting software company based in Frauenfeld providing modular .NET-based software including pebeFINANCE, pebeINVEST, and the cloud-based pebe Live for trust companies, SMEs, and family offices across Switzerland and Liechtenstein. Privately held with approximately 25 employees.

Ownership category

akta.pro rank

Headquarters

HQ city

Frauenfeld

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. pebeFINANCE Software Licenses/Subscriptions: Modular software sold as licenses or subscriptions for on-premises or cloud deployment. Customers pay for the modules they need (financial accounting, payroll, invoicing, time tracking, securities). Quote-based pricing, no public price list. Maintenance contracts include free support minutes and updates.
2. pebe Live Cloud SaaS: Cloud-based accounting SaaS for SMEs. Freemium tier offers 3 employees free. Annual subscription with referral program (15% of revenue per referral, up to CHF 60 per recommendation).
3. Professional Services & Training: pebe academy training courses, consulting, project management, and hotline support. SLA-based service agreements. Automatic PDF Processor license reselling with 20% discount for pebe clients.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels7 records

Core offering

pebe AG (Pebe) develops and sells modular accounting and business management software for Swiss trust companies (Treuhänder), SMEs (KMU), and family offices. Its core platform pebeFINANCE provides financial accounting, payroll (pebeLOHN), debtor/creditor management (pebeKreditoren/pebeDebitoren), asset accounting (pebeANLAGEN), service tracking (pebeLEISTUNG), and invoicing (pebeFAKTURA) modules, complemented by pebeINVEST for securities administration and pebe Live as a cloud-based SaaS option.

Product overview

Pebe is a Swiss software company offering accounting and business management solutions, primarily serving trustees (Treuhänder), SMEs, and family offices in Switzerland and Liechtenstein. The core product is pebeFINANCE, a modular accounting platform comprising interconnected modules for financial accounting, debtor/creditor management, asset accounting, payroll (pebeLOHN), service tracking (pebeLEISTUNG), and invoicing (pebeFAKTURA). Complementing pebeFINANCE are specialized products including pebeINVEST for securities accounting, pebe Live as a cloud-based solution for SMEs, and pebeONLINE/pebeCLIENT for online collaboration between trustees and their clients. The portfolio also includes the mobile app pebe mobile, the Automatic PDF Processor for document distribution, pebe academy for training, and a partnership with BMD for extended ERP and audit tools.

Differentiator

Problem solved

Functional benefit

Brands

• pebeFINANCE: Core accounting software product offering financial accounting, accounts payable/receivable, asset accounting, payroll, invoicing, and performance tracking modules for Swiss trust companies and SMEs.
• pebeINVEST
• pebe Live
• pebe academy

Products and services

• pebeFINANCE Modular core accounting software platform for Swiss trust companies (Treuhänder) and SMEs, offering financial accounting, debtor/creditor management, asset accounting, payroll, invoicing, and service tracking modules sharing a common database. Available as on-premises or cloud deployment.
• pebeINVEST Securities accounting software with portfolio valuation, yield calculation, automated transaction booking, and reporting capabilities for trust companies, family offices, and asset managers in Switzerland and Liechtenstein.
• pebe Live Cloud-based accounting solution for Swiss SMEs offering invoicing, payroll, and financial accounting without unnecessary complexity. Available under a freemium model (free for up to 3 employees) with annual subscription thereafter.
• pebe academy Interactive training courses for various pebeFINANCE modules, offered at regular intervals to help customers get the most out of the software.
• Automatic PDF Processor Document distribution tool that allows sending PDF documents from pebeFINANCE (such as payroll statements and client invoices) directly to recipients via email. Resold by pebe with a 20% discount for clients.
• pebeLOHN Payroll Module Swissdec-certified payroll accounting module supporting all legal requirements for Switzerland and Liechtenstein, including ELM (electronic salary notification) for automated transmission of salary data to compensation funds and major Swiss insurers.
• BMD Business Software Strategic partnership product offering expert audit tools, CRM, archiving, ERP, and office management software, integrated with pebeFINANCE for seamless data exchange, covering the entire service chain of most economic sectors.

Quantifiable outcome

• Trust companies using EBICS bank statement automation save up to 80% of their time on bank data processing.

Named customers5 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature10 records

Partnerships

Six partnerships are on record, tiered core and minor.

• VoiceLan SAcoreChannel Partner/ Reseller/ DistributorVoiceLan SA enables pebe to offer pebeFINANCE and pebeINVEST at attractive conditions via cloud. The Swiss company operates numerous systems in a FINMA-certified, ISO-certified data center in Glattbrugg, providing reliable and secure cloud hosting.
• root-service agcoreTechnology or Integrationroot-service ag provides complete solutions for hard disks, software, and IT networks. It is the manufacturer of software for Perigon and SPITEX organizations. pebeFINANCE is optimally connected to Perigon.
• Jet-InfocoreChannel Partner/ Reseller/ DistributorJet-Info is the sales and installation partner for pebeFINANCE in French-speaking Switzerland (Romandie). Located on Rue du Rhône in Geneva, they serve B2B clients and their IT infrastructure.
• BMD Business SoftwarecoreTechnology or IntegrationBMD is a strategic partnership enabling pebe to cover the entire service chain of most economic sectors. BMD products include expert audit tools, CRM and archiving, ERP, and office management. pebeINVEST and BMD can be optimally connected to pebeFINANCE financial accounting for seamless data exchange.
• M. & R. Gillmeister GbRminorGTM or Marketing Partnerpebe is a commercial partner for the Automatic PDF Processor tool, which allows sending documents from pebeFINANCE (e.g., payroll statements, client invoices) directly to recipients via email. pebe clients receive a 20% discount using promo code PEBE20.
• Treuhand SuisseminorOthersTreuhand Suisse is a Swiss trust industry association. pebe AG is a member and displays the Treuhand Suisse logo on its website, indicating alignment with the Swiss trust industry.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Acomba / Sage: Broader Sage ecosystem serving SMB accounting needs with regional localization; provides comparable ERP/accounting functionality to Pebe's pebeFINANCE suite.
• NetSuite (Oracle): Global cloud ERP platform serving growing SMBs and subsidiaries in Switzerland. Replaces Pebe's on-premises stack for SMEs outgrowing modular accounting but seeking end-to-end ERP.
• Microsoft Dynamics 365 Business Central: Cloud ERP from Microsoft used by Swiss SMEs and accounting practices; competes with Pebe's modular ERP on functionality breadth, integration with Microsoft 365, and cloud-native deployment.
• Sage Switzerland: Global accounting/ERP incumbent with Swiss localization. Serves the same Swiss SME accounting market as Pebe with a broader product portfolio and deeper resources.
• Wolters Kluwer (Pro System / WinLine): European accounting/ERP suite vendor with localized Swiss/DACH editions. Competes in the same SME accounting and payroll category as Pebe via its WinLine and Pro System products.

Others

• Treuhand Suisse / Treuhand-Kammer (industry association): Swiss trust industry association of which Pebe is a member. Represents the core buyer-segment ecosystem (treuhänder firms) and sets industry practice standards relevant to Pebe's go-to-market.

Direct peers

• Bexio: Swiss cloud accounting SaaS for SMEs and small treuhand firms. Competes head-on with pebe Live, particularly for new SMB formation and cloud-first customers.
• Abacus Research: Swiss-headquartered ERP and accounting software vendor serving SMEs, trust companies, and larger enterprises across Switzerland with multi-module business software. Closest direct competitor to Pebe in the Swiss SME/treuhand market.
• Klara: Swiss accounting platform targeting SMEs and trust companies with modern cloud UX. Directly comparable customer segment and value proposition to pebe Live.
• BMD Business Software: Austrian/DACH ERP and accounting vendor that is also a strategic technology partner of Pebe. Offers overlapping audit, ERP, and CRM tools that directly substitute for Pebe's modules.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/user/pebeag
• Facebookfacebook.com/pebe-AG-283050438788393
• LinkedInlinkedin.com/company/pebe-ag

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 Pebe