What Nettilasku.fi does

Nettilasku.fi operates as a cloud-based SaaS invoicing and financial management platform developed by Epic Invoicing Oy, a private Finnish company headquartered in Tampere, founded in 2010 by Jarkko Käkhönen. The platform serves small Finnish businesses (1–10 employees), freelancers, sole traders (toiminimi), and accounting firms with an all-in-one suite that integrates invoicing (sales and purchase invoices, e-invoicing via Basware and Maventa operators), electronic signatures (EpicSign), automated bookkeeping, payroll with bank payments and income register reporting, time tracking, project management, document management, and credit/debt collection workflows. The software is browser-based with mobile and tablet access, hosted on Finnish servers with SSL encryption and daily backups, supporting 8 languages and compliant with the 2020 Finnish e-invoicing law.

The business model is a freemium SaaS with subscription tiers (Free, €18/month Small, €27/month Pro, Enterprise custom) augmented by transaction fees for over-limit invoices, per-receipt mobile scanning fees (€0.20), per-employee payroll add-ons (€7/month), and revenue-based pricing adjustments. The company combines a self-serve product-led growth motion (14-day free trial, no credit card) with a sales-led channel for accounting firm partnerships, where firms receive free Pro-tier access and earn referral commissions—creating a multi-client management platform for Finnish tilitoimistot. The service has scaled to 11,000+ registered companies with 1,000+ paying customers through a 9-person bootstrapped team, relying primarily on organic word-of-mouth growth, content marketing, and accounting firm referrals.

In 2025 the company rebranded to Eemel.com with an updated UI and product family (Eemel ERP, Eemel Taloushallinto, EpicSign) to support international expansion into selected European markets, alongside a new revenue-based pricing structure. The company has remained privately held and bootstrapped without disclosed external funding, with Käkhönen as the main owner and CTO.

Name

Nettilasku.fi

Legal name

Epic Invoicing Oy

Website

https://nettilasku.fi

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

1–10 employees

Short description

Nettilasku.fi (now Eemel.com) is a Finnish cloud-based SaaS platform by Epic Invoicing Oy providing invoicing, e-invoicing, accounting, payroll, and electronic signatures for small businesses (1–10 employees), freelancers, and accounting firms in Finland, with recent expansion into selected European markets.

Ownership category

akta.pro rank

Product category

Cloud Accounting and Invoicing Software

NAICS

Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (5182)

SIC

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

akta.pro primary industry

Expense Management & T&E Audit (Employee Expenses, Corporate Cards) (BPAAAGAE)

akta.pro secondary industry

Expense Management & Reimbursements Administration (BPACAIAH)

Keywords

• Cloud invoicing software
• Electronic invoicing Finland
• Small business accounting
• Payroll management SaaS
• Financial management platform

Headquarters

HQ city

Tampere

HQ country

Finland

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. Subscription SaaS: Monthly subscription tiers (Free, Small, Pro, Enterprise) with revenue-based pricing. Paid plans range from €18/month to €27/month for core tiers, with additional per-transaction and add-on fees.
2. Transaction-based Fees: Per-transaction fees for invoices exceeding plan limits, e-invoice requests, and additional electronic signatures beyond plan allowances.
3. Mobile Receipt Scanning: €0.20 per receipt scan in the mobile app with no fixed monthly fee for the app itself.
4. Referral Commission: Commission paid to accounting firm partners for each new client they refer to the platform.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

Nettilasku.fi (now Eemel.com) is a cloud-based all-in-one financial management and invoicing SaaS platform that enables small businesses and freelancers to create, send, and receive invoices and e-invoices, automate payment tracking, manage accounting and payroll, track time and projects, and sign documents electronically. Built by Epic Invoicing Oy, it integrates with Finnish banking systems, Basware and Maventa e-invoicing operators, and the Finnish tax authority income register, serving over 11,000 companies from Finland and select European markets.

Product overview

Nettilasku.fi (now Eemel.com) is a cloud-based all-in-one financial management platform by Epic Invoicing Oy, designed for small businesses (1–10 employees). The platform is built around the core Eemel.com software, which provides invoicing (sales and purchase), e-invoicing (via Basware and Maventa), accounting, payroll, time tracking, project management, electronic signature (EpicSign), and document management as integrated modules. The Eemel product family also includes Eemel ERP and Eemel Taloushallinto as specialized sub-brands, as well as a free accounting firm access program. Pricing is organized into Free, Small (€18/month), Pro (€27/month), and Enterprise plans, with add-ons for consumer e-invoicing, purchase orders, and SumUp payment terminals. The platform supports 8 languages and operates exclusively in the cloud with data hosted in Finland.

Differentiator

Problem solved

Functional benefit

Products and services

• Eemel.com (formerly Nettilasku.fi) Cloud-based all-in-one financial management and business development platform for small businesses (1-10 employees). Includes invoicing, accounting, payroll, time tracking, project management, and CRM tools in a single integrated platform.
• Invoicing Software Core invoicing module for creating, sending, and managing sales invoices. Supports e-invoices, email invoices, consumer e-invoices, and paper invoices. Includes automatic payment tracking, scheduled invoices, quotation calculation, and multilingual invoice templates.
• E-invoicing (Verkkolaskutus) Electronic invoicing service powered by Maventa and Basware operators. Enables sending and receiving machine-readable e-invoices compliant with the 2020 Finnish e-invoicing law, providing 4-5x lower billing costs than paper.
• Purchase Invoices (Ostolaskut) Accounts payable module for receiving, approving, and paying purchase invoices. Supports e-invoice, paper, email, and manual entry. Integrates with bank connections for direct payment processing.
• EpicSign Electronic Signature Legally valid electronic signature service authenticated via online banking credentials (eIDAS compliant). Supports PDF document signing with multiple signers and includes up to 15 free signatures per year on the Free plan.
• Time Tracking and Work Hour Logging Time tracking module for recording and monitoring employee working hours. Integrates with payroll and project management to support project-based hour tracking and customer billing for recorded hours.
• Payroll Management Payroll processing module for calculating salaries, paying directly to employee bank accounts via banking connections, and automatic reporting to the Finnish tax authority's income register. Includes automatic tax and deduction calculations.
• Tarjouslaskenta (Quotation Calculation) Quote and estimate management module for creating and sending quotes, processing quote requests, and managing sales orders. Available on Pro and Enterprise plans.
• Project Management Project management tools including quote creation, contract management, project-based hour tracking and billing, workload calendar, and project reporting, integrated with invoicing and time tracking.
• Document Management Secure document storage and management module for organizing, categorizing, and tagging company documents. Provides secure anytime-anywhere access with document attachment to invoices.
• Accounting Software Automated bookkeeping and financial reporting module. Supports VAT declarations, financial statements, journal entries, and real-time reporting tools. Includes integration with bank connections for automated transaction recording.
• Credit and Debt Collection Credit decision retrieval via Intrum and debt collection connection for sending overdue invoices directly to collection agencies. Available on Pro and Enterprise plans.
• Eemel ERP Enterprise Resource Planning system within the Eemel product family. Provides more comprehensive ERP capabilities for growing businesses beyond the core financial management platform.
• Eemel Taloushallinto Financial management module within the Eemel product family, focused on comprehensive accounting and financial administration for small businesses.
• Mobile App (Receipt Scanning) Mobile application for capturing and managing receipts on the go. Users pay only €0.20 (VAT 0%) per receipt scanned with no fixed monthly fee.
• Accounting Firm Access Program Free Pro version access for accounting firms to manage multiple client businesses on a single platform. Includes automated accounting, multilingual support, and a dedicated account manager. Partners earn commission for recommending the service to clients.

Quantifiable outcome

• E-invoicing reduces billing costs by up to 4-5x compared to paper invoicing
• +3 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature10 records

Partnerships

Six partnerships are on record, tiered core and key.

• Basware OyjcoreTechnology or IntegrationBasware is the e-invoice operator for the service, enabling electronic invoice transmission in the Finnish e-invoicing network. E-invoice address: 003725718449950, Operator: BAWCFI22. Basware handles the routing of electronic invoices between senders and receivers in the platform.
• MaventacoreTechnology or IntegrationMaventa is described as Finland's leading e-invoicing operator and powers Eemel's e-invoicing service alongside Basware. Provides the technical infrastructure for sending and receiving electronic invoices.
• EpicSign (part of Eemel product family)coreTechnology or IntegrationEpicSign is the electronic signature service within the Eemel product family, providing legally valid e-signatures authenticated via online banking for contracts and document signing. Integrated directly into the Eemel.com invoicing and financial management platform.
• Eemel.com (product family)coreTechnology or IntegrationNettilasku.fi is the original invoicing brand now operating under the Eemel.com umbrella. The broader Eemel product family includes Eemel Taloushallinto (financial management), Eemel ERP, and EpicSign electronic signatures—all integrated into a single platform.
• Accounting Firms (tilitoimistot)keyChannel Partner/ Reseller/ DistributorAccounting firms receive free Pro-tier access to manage client financial administration. They earn referral commissions for recommending the service to their clients. Firms can access client data via single login after client authorization, enabling centralized multi-client financial management.
• Finnish Banks (banking connections)coreTechnology or IntegrationFinnish bank integration enables automated retrieval of reference payments, bank statements, purchase invoice payments, and salary payments directly from connected bank accounts. Requires bank authorization form submission.

Scale indicators5 records

Recent moves8 records

Expansion highlights6 records

Emerging players

• FreshBooks: FreshBooks is a global cloud invoicing and accounting platform for SMBs, freelancers, and service-based businesses. It overlaps with Nettilasku.fi's invoicing, time tracking, and expense management features.
• Zoho Invoice: Zoho Invoice is a global cloud-based invoicing solution for SMBs and freelancers. It competes with Nettilasku.fi's invoicing and billing capabilities with international availability and broader brand recognition.

Direct peers

• Bokio: Bokio is a Swedish fintech-free accounting and invoicing app for small businesses and freelancers. It targets the same SMB and sole-trader segment with a similar freemium+subscription SaaS model and Nordic market overlap.
• Tripletex: Tripletex is a Norwegian cloud-based accounting, invoicing, and payroll system for SMBs and accountants. It serves as a Nordic regional peer with similar product scope and target market as Nettilasku.fi.
• Fortnox: Fortnox is a Swedish cloud-based business platform for SMBs offering accounting, invoicing, payroll, and e-invoicing. It is a direct Nordic competitor with similar target customer profile and integrated product suite as Nettilasku.fi.
• Visma e-conomic: Visma e-conomic is a Danish/Nordic cloud accounting and invoicing platform serving SMBs across Scandinavia. It overlaps with Nettilasku's invoicing, accounting, and e-invoicing capabilities, with broader Nordic coverage and a larger parent company.
• Procountor (Lemonsoft): Procountor is a leading Finnish cloud-based accounting, invoicing, and payroll SaaS platform serving SMBs. It directly competes with Nettilasku.fi in the same Finnish SMB market segment with overlapping invoicing, e-invoicing, and accounting features.

Broad incumbents

• Visma InCommunity (Visma Solutions): Visma is a large Nordic business software conglomerate offering accounting, ERP, payroll, and invoicing solutions across multiple brands. It competes with Nettilasku.fi indirectly through its portfolio of SMB-focused products.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries4 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 Nettilasku.fi