Saldo Redovisning

What Saldo Redovisning does

Saldo Redovisning is a privately held, digital-first accounting and payroll services firm headquartered in Stockholm, Sweden, operating under the trade name Saldo. The firm was founded in 2000 and serves more than 500 business customers across Sweden with a team of 45+ specialized consultants in accounting, payroll, and advisory services. Saldo holds the two principal Swedish accounting accreditations — SRF (Svenska Redovisningsbyråers Förbund) and FAR authorization — and is a certified partner of Fortnox, the dominant cloud accounting platform in Sweden.

The company's core technology stack is built on Fortnox as the primary accounting platform, augmented by the Mynt receipt-capture application linked to a Saldo-issued corporate card for automated expense ingestion. Saldo operationalizes a four-step digital accounting workflow covering customer invoicing, supplier invoice routing, receipt capture, and payroll processing. Beyond compliance bookkeeping, the firm has developed a portfolio of vertical-specific service packages — including Saldo Legal (law firms), Saldo Tech (IT consultants), Smaklig Redovisning (restaurants), and Saldo Solo (sole proprietors) — alongside higher-value offerings such as CFO Light (fractional CFO services) and Saldo Synergi (full finance department outsourcing). Saldo ERP extends the offering into broader client-side system integration.

Saldo generates revenue through recurring professional services engagements with customized pricing tied to company size, complexity, and required services, structured as multi-year contracts. The go-to-market motion is sales-led and direct, combining free initial consultations with phone, email, website, and in-person channels from the Stockholm office. The firm recently executed inorganic growth via the February 2025 acquisition of Omega Ekonomi, expanding both customer base and consultant capacity in the Stockholm SMB accounting market.

Name

Saldo Redovisning

Legal name

Saldo Redovisning

Website

https://saldoredo.se

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

11–50 employees

Short description

Saldo Redovisning is a Stockholm-based digital accounting and payroll firm serving 500+ Swedish SMBs with 45+ consultants, using Fortnox and Mynt integrations to deliver bookkeeping, payroll, and advisory services across vertical-specific packages.

Ownership category

akta.pro rank

Product category

Accounting Services

NAICS

Office Administrative Services (5611), Business Support Services (5614)

SIC

Services-Management Services (8741), Services-Help Supply Services (7363)

akta.pro primary industry

Contractor Payroll, Invoicing & Payment Services (BPACAGAD)

Keywords

• Accounting services
• Payroll administration
• Bookkeeping services
• Financial advisory
• VAT reporting

Headquarters

HQ city

Stockholm

HQ country

Sweden

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Accounting and Bookkeeping Services: Professional accounting services including ongoing bookkeeping, financial reporting, VAT reporting, and compliance services for small and large companies. Services are offered as recurring professional services with flexible engagement levels.
2. Payroll and HR Services: Payroll processing and administration services with dedicated payroll consultants. Services include payroll outsourcing, time reporting, expense management, and employer declarations.
3. Advisory Services: Strategic advisory services including business development, profitability planning, company wind-down, and company formation guidance. Also includes 3:12 rule optimization for owner-operated companies.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Saldo Redovisning provides outsourced digital accounting, payroll administration, and strategic advisory services to small and medium-sized businesses in Sweden. Service delivery combines a 100% digital workflow built on the Fortnox platform and Mynt receipt app with dedicated personal advisors, packaged into vertical-specific solutions for legal, IT, restaurant, and sole proprietor clients.

Differentiator

Problem solved

Functional benefit

Brands

• Saldo Rätt i tid: Time management and deadline-focused accounting package
• CFO Light
• Saldo Tech
• Saldo Legal
• Saldo Synergi
• Saldo Solo
• Saldo ERP
• Smaklig Redovisning
• Budget & Likviditet
• Digital Aktiebok

Products and services

• Accounting and Bookkeeping Services Recurring professional accounting services including ongoing bookkeeping, monthly reporting with custom KPIs, financial statements, VAT reporting, and annual reports for Swedish companies of various legal forms.
• Payroll and HR Administration Payroll processing and administration services including payroll outsourcing, time reporting, expense management, and employer declarations delivered by a dedicated internal payroll department.
• Strategic Advisory Services Strategic advisory including business development, profitability planning, company formation and wind-down guidance, and 3:12 rule optimization for owner-operated Swedish companies.
• Saldo Legal Industry-specific accounting services tailored to law firms and attorney offices, addressing client fund accounting, trust accounting compliance, and specialized reporting requirements.
• Saldo Tech Accounting package tailored for IT consultants and technology companies, focused on project-based accounting, contractor invoicing, and tech-specific financial management.
• Saldo Solo Simplified accounting package designed for sole proprietors and single business owners, with tax optimization for individuals and easy-to-understand reporting.
• Smaklig Redovisning Restaurant-specific accounting package including bookkeeping, reporting, and tax services with inventory management integration and handling of seasonal fluctuations.
• Saldo Synergi Full finance department outsourcing solution that delivers dedicated financial expertise for companies seeking to outsource their entire finance function without maintaining full internal staff.
• CFO Light Fractional CFO-style financial management and control package providing strategic financial guidance with flexibility for growing businesses that do not need a full-time CFO.
• Saldo Rätt i tid Accounting service package focused on time management and meeting statutory filing deadlines reliably.
• Saldo ERP System integration service that connects client business systems into Saldo's accounting ecosystem for seamless data flow.
• Budget & Likviditet Budgeting and liquidity management service package supporting financial planning and cash flow oversight.
• Digital Aktiebok Digital share register management service for Swedish aktiebolag, maintaining compliant ownership records.

Quantifiable outcome

• Fast monthly reporting with minimal client effort - clients only do a few things while Saldo handles the rest
• +1 more outcomes

Named customers10 records

Segments7 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature3 records

Partnerships

Three partnerships are on record, tiered core.

• FortnoxcoreTechnology or IntegrationSaldo Redovisning is a Certifierad Fortnox-partner (Certified Fortnox Partner). They utilize Fortnox accounting software as their primary platform and integrate client data through this system. The partnership enables seamless digital accounting workflows, automated data flows, and cloud-based financial management for their clients.
• SRF (Svenska Redovisningsbyråers Förbund)coreOthersSaldo Redovisning holds SRF-auktoriserad byrå status (SRF-authorized firm), demonstrating professional authorization and compliance with SRF's standards for accounting firms in Sweden.
• FAR (the Swedish Institute of Authorized Public Accountants)coreOthersSaldo Redovisning holds FAR-auktoriserad byrå status (FAR-authorized firm), indicating they meet professional standards and requirements set by FAR for authorized accounting firms in Sweden.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Visma: Large Nordic software and services group owning multiple accounting, payroll and ERP brands (eSjobb, Visma eEkonomi, etc.). A broad incumbent that competes with Saldo both through partner accounting firms using Visma software and through its own in-house services.
• BDO Sweden: Mid-tier international accounting and advisory network operating in Sweden, serving mid-market and larger SMB clients with audit, tax and advisory services. Competes with Saldo's mid-market and outsourcing offerings (e.g., Saldo Synergi) at a larger scale.
• RSM Sweden: Global mid-tier accounting network's Swedish member firm providing audit, tax, consulting and outsourcing. Comparable in providing outsourced finance functions to mid-market clients, including cross-border advisory Saldo cannot offer.
• PwC Sweden: Big Four firm in Sweden with full-scope audit, tax and advisory practices, including managed services and outsourcing for mid-market and large corporates. Competes with Saldo Synergi and CFO Light offerings at the upper end of Saldo's customer base.
• KPMG Sweden: Big Four professional services firm in Sweden offering audit, tax, legal and advisory services. Competes for the larger end of Saldo's mid-market clients (e.g., Nackademin, Vasa Kronan) and for outsourced finance talent.

Direct peers

• Bokio: Swedish digital-first accounting platform targeting very small businesses and sole proprietors, overlapping with Saldo Solo and Smaklig Redovisning segments. Competes on automation and price rather than advisory depth.
• Accountor Group: Nordic accounting, payroll and HR outsourcing firm serving SMBs across Sweden, Finland, Norway and beyond. Direct comparable to Saldo in service mix (bookkeeping, payroll, advisory) and customer segment, but at significantly larger scale and broader geographic footprint.
• Azets: Major Nordic outsourced accounting, payroll and advisory group operating in Sweden. Closely comparable offering to Saldo across compliance, payroll, and advisory for SMB and mid-market clients, with stronger technology stack and cross-border capabilities.
• Hogia Group: Swedish provider of accounting, payroll and ERP software along with associated byrå services. Comparable on technology stack and SMB focus, and competes with Fortnox in the underlying platform layer Saldo depends on.

Emerging players

• Wint: Swedish digital accounting and bookkeeping app focused on SMBs and freelancers with automated bookkeeping and tax features. An emerging digital-first competitor that targets the same small-business end of Saldo's customer base.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/saldo-redovisning
• Instagraminstagram.com/saldoredovisning
• Facebookfacebook.com/profile.php

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Saldo Redovisning