What Billtobox does

Billtobox is a Belgian cloud-based financial administration platform that connects entrepreneurs, SMEs, accountants, and bookkeepers for e-invoicing, document management, and integrated payments. It is operated as a brand under Unifiedpost Group SA (Euronext Brussels: UPG) and serves as a certified Peppol Access Point, positioning it for Belgium's mandatory B2B e-invoicing regime effective January 2026. The platform's technical stack combines Peppol network connectivity, OCR-based document capture, three tiers of digital signature (SES/AES/QES with Itsme integration), and embedded banking through the Banqup Business Wallet (IBAN issued by Unifiedpost Payments), plus a Soft POS terminal (Banqup Terminal) and payment links (Banqup Paylink). Pre-financing is delivered in partnership with BNP Paribas Fortis Factor.

The product portfolio targets freelancers (under 50 documents/year), small businesses (50–500), SMEs (500–1,000), liberal professions (1,000–2,000), and corporates (5,000+), with subscription tiers named Premium and Optimum and a 30-day free trial. Distribution combines product-led self-serve onboarding with a B2B2C channel model in which accountants onboard their clients via the Billtobox Console; strategic partnerships with industry bodies (ITAA, Embuild, Traxio) and ERP/accounting integrations (Exact, Sage, Wolters Kluwer, Octopus, Wings, Winbook, Venice, Horus) deepen distribution and switching costs. The Crossnet network connects Billtobox, Banqup, and other Unifiedpost users for document exchange, with interoperability into the global Peppol network.

Billtobox reports 160,000+ SME customers, 50,000+ daily active companies, and 1M+ documents processed per month across 28 countries. From June 2026, the brand will transition new customer acquisition to the unified Banqup platform, effectively making Banqup the successor to Billtobox within the Unifiedpost Group. GTM activity — webinars, e-guides, accountant-led onboarding, and vertical industry partnerships — is heavily oriented around educating the market on the 2026 e-invoicing mandate, indicating a regulatory-driven demand capture strategy.

Name

Billtobox

Legal name

Unifiedpost Group SA

Website

https://billtobox.com

Company type

Public

Operating status

Operating

Short description

Billtobox is a Belgian cloud platform for e-invoicing, document management, and integrated payments, serving 160,000+ SMEs and accountants across 28 countries. It operates as a certified Peppol Access Point under Unifiedpost Group SA, positioned for Belgium's mandatory B2B e-invoicing mandate from January 2026.

Ownership category

akta.pro rank

Product category

E-invoicing and Financial Administration Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Finance Services (6199)

akta.pro primary industry

Biller Direct EBPP Platforms (FSAMAJAA)

akta.pro secondary industries

Bill Pay, Invoicing & Payables Platforms (BPAMAFAF), Bill Management & Subscription Management (FSAGADAG)

Keywords

• Electronic invoicing software
• B2B payment processing
• Financial administration platform
• Accounting automation tools
• Peppol access point services

Headquarters

HQ city

La Hulpe

HQ country

Belgium

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Subscription Software (Premium/Optimum): Monthly or annual subscription tiers offering different feature sets. Premium and Optimum plans provide varying levels of functionality, user seats, and document processing capabilities.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Billtobox is a cloud-based e-invoicing and financial administration platform that enables entrepreneurs and SMEs to create, send, receive, and reconcile electronic invoices, collect payments, and collaborate with their accountants. The platform operates as a certified Peppol Access Point for compliant e-invoicing and bundles embedded payment services (IBAN wallet, Soft POS, payment links, invoice pre-financing) and electronic signatures within a single application.

Product overview

Billtobox is a unified e-invoicing and financial administration platform that serves as the digital link between entrepreneurs and accountants in Belgium. The core Billtobox Platform enables receiving, processing, and sending of e-invoices and payments, with integrated modules including Banqup Business Wallet (IBAN payment account), Banqup Terminal (soft POS for merchants), Banqup Paylink (payment links), Peppol Access Point (mandatory e-invoicing via Peppol network), Digital Signature service, Smart Invoice (quote management), Prefinanciering (invoice financing), Doc Center (document management), Crossnet Network (electronic document exchange), and Print&Post service. The platform is designed for freelancers, small businesses, SMEs, and corporates, with over 160,000 SMEs using the service across 28 countries.

Differentiator

Problem solved

Functional benefit

Brands

• Banqup: The new, improved platform that Billtobox is transitioning to. Banqup Business Wallet is an IBAN account issued by Unifiedpost Payments. Banqup Terminal is a solution for merchants to receive electronic payments.

Products and services

• Billtobox Platform Cloud-based e-invoicing and financial administration platform for entrepreneurs and SMEs that connects them with their accountants. Enables creation, sending, reception, and reconciliation of electronic invoices, collection of purchase invoices via email, mobile app, or direct submission, and management of documents in a legally compliant archive.
• Banqup Business Wallet IBAN payment account issued by Unifiedpost Payments and integrated into the Billtobox platform, enabling users to pay invoices and receive payments directly within the application without switching tools. Targeted at entrepreneurs and SMEs that need an embedded payment account alongside invoicing.
• Banqup Terminal Software-based point-of-sale (Soft POS) terminal that enables merchants, restaurants, clubs, and event organizers to accept electronic payments on any device without additional hardware or subscription fees.
• Banqup Paylink Payment solution that lets customers pay via a Paylink button on invoices, enabling businesses to collect payments directly from their customers online.
• Peppol Access Point Service Certified Peppol Access Point service that allows Billtobox users to register for a free Peppol ID and exchange e-invoices with all Peppol-registered entities globally, ensuring compliance with Belgium's mandatory B2B e-invoicing from January 2026.
• Digital Signature (Banqup Sign) Electronic signature service supporting three signature levels — Simple Electronic Signature (SES), Advanced Electronic Signature (AES), and Qualified Electronic Signature (QES) — for legally binding document signing. QES uses Itsme for identity verification.
• Prefinanciering (Invoice Pre-financing) Invoice financing service that enables entrepreneurs to get paid immediately on outstanding sales invoices, delivered in partnership with BNP Paribas Fortis Factor to improve cash flow for SMEs.
• Crossnet Network Proprietary network operated by Unifiedpost Group that connects all companies using Billtobox, Banqup, or other Unifiedpost services for electronic invoice and document exchange, with interoperability into the Peppol network.

Quantifiable outcome

• Documents processed per month
• +1 more outcomes

Named customers4 records

Segments7 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

AI capability2 records

Feature8 records

Partnerships

Eleven partnerships are on record, tiered core, major and minor.

• Peppol NetworkcoreTechnology or IntegrationBilltobox operates as a certified Peppol Access Point, enabling electronic invoice exchange through the international Peppol network. This is fundamental to the platform's e-invoicing capability and regulatory compliance positioning.
• Unifiedpost GroupcoreTechnology or IntegrationParent company providing infrastructure and licensing. Billtobox is branded as 'Billtobox by banqup'. Unifiedpost Payments issues the Banqup Business Wallet IBAN account.
• EmbuildmajorStrategic or Co-development PartnerStrategic partnership with Embuild (Belgian construction industry association) to help construction companies prepare for mandatory e-invoicing. Joint marketing and education initiatives.
• ITAAmajorStrategic or Co-development PartnerPartnership with Belgian Institute of Tax Accountants and Bookkeepers. ITAA members receive recognition and can offer Billtobox discounts to clients.
• TraxiomajorStrategic or Co-development PartnerPartnership with Traxio (Belgian automotive and metal industry federation) to prepare members for e-invoicing requirements ahead of 2026 mandate.
• MAN Truck & BuscoreTechnology or IntegrationMAN uses Billtobox as supplier portal for electronic invoice submission. Suppliers without purchase orders can still submit invoices through the platform.
• VOKAminorGTM or Marketing PartnerFlemish business federation VOKA sends invoices to members via Billtobox platform.
• BNP Paribas Fortis FactorminorStrategic or Co-development PartnerPartnership for invoice pre-financing (factoring) services, enabling SME customers to get paid immediately on outstanding invoices.
• TotalEnergiesminorGTM or Marketing PartnerEnergy company partnership for invoice management services.
• MaxcredibleminorStrategic or Co-development PartnerPartnership for payment and cashflow management integration.
• PartenaminorGTM or Marketing PartnerHR and payroll service provider partnership for integrated business services.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• Soldo: European embedded business payments and prepaid card platform with overlapping SME finance features (Banqup Business Wallet, Banqup Terminal) for SMB spend and payables workflows.
• Yuki (Visma): Belgian/Dutch online accounting SaaS for SMEs and accountants, providing similar accountant-led digital document exchange workflows and a B2B2C distribution model comparable to Billtobox Console.

Broad incumbents

• Sage: Global accounting and ERP vendor whose Sage accounting product is integrated with Billtobox as a partner, but also competes where Sage bundles native invoicing and payment workflows into its SME suite.
• Wolters Kluwer Tax & Accounting: Major Benelux accounting and tax-software incumbent (Winbooks, Octopus, Wings); integrated partner with Billtobox but also a potential competitor as it builds native e-invoicing into its installed-base accountant and SME products.
• Visma: Large Nordic business software group offering accounting, invoicing and e-invoicing modules; a broad incumbent competing through installed-base accounting products rather than a specialized e-invoicing platform.
• Exact Software: Dutch/Benelux accounting and ERP vendor, also listed as a Billtobox integration partner, with comparable SME invoicing and financial administration capabilities across the same Benelux footprint.

Direct peers

• Unifiedpost Group (Banqup): Public parent (Euronext Brussels: UPG) whose own Banqup platform is the destination product Billtobox customers are being migrated onto by June 2026; functionally a sibling/parent peer offering very similar Peppol and payment capabilities.
• Basware: Global P2P and e-invoicing platform with strong Peppol and AP automation capabilities, competing for mid-market and enterprise invoice automation deals that overlap with Billtobox's Corporates segment.
• Billit: Belgian e-invoicing and Peppol Access Point platform targeting SMEs and accountants, and Billtobox's closest head-to-head competitor in the Belgian B2B e-invoicing market ahead of the January 2026 mandate.
• Pagero (an AvidXchange company): Pan-European Peppol Access Point and e-invoicing network operator directly comparable to Billtobox's Peppol Access Point and Crossnet network offerings.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

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 Billtobox