What Finance Plus does

Finance Plus is a Podgorica, Montenegro-based accounting and business services firm founded in 1996, operating from a single headquarters at Dzordza Vasingtona 44 with a team of 30 employees. It has expanded from a bookkeeping agency into a comprehensive one-stop-shop offering accounting and financial reporting, tax consulting, company registration, legal services, internal audit, IT services, and investment real estate services. The company serves over 1,000 legal entities in Montenegro, including enterprise clients such as Ericsson, Siemens, Colliers, Avon, Ars Medica, Fosmedia, and International Bridge, alongside a long tail of SMBs and a newly developed HNWI/Family Office segment. Its proprietary technology asset is the Proventum cloud platform, which provides electronic fiscalization of invoices and is operated as a standalone product with usage-based pricing (digital certificate at EUR 39 + VAT; software/hardware adaptation at EUR 150-350). The firm is ISO 9001:2015 and ISO/IEC 27001:2013 certified, a member of MSI Global Alliance, and positions itself as a market leader in Montenegro's accounting and auditing sector, with 18 industry awards including the 100 Best in Montenegro recognition in 2018.Ownership is concentrated in the Raičković family, with Slađana Raičković as founder and Financial Director, Dražen Raičković as Executive Director, and Budimir Raičković as President of the Management Board. The business model is hybrid: recurring monthly accounting retainers from the long-tail SMB book are complemented by professional services fees (tax consulting, legal, registration, real estate), one-time setup packages for company formation, and usage-based revenue from the Proventum e-fiscalization platform. The go-to-market is consultative and sales-led, supported by a multi-language website (Montenegrin, English, Russian, German, Turkish), SEO/content marketing, and active engagement with regulators — including a documented meeting with the IMF Fiscal Affairs Department in November 2022 on fiscalization and digitization. Recently the firm has signaled an intent to court Gulf/UAE investors seeking European market access via Montenegro.

Name

Finance Plus

Legal name

Finance Plus

Website

https://financeplus.me

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

11–50 employees

Short description

Finance Plus is a Podgorica-based accounting and business services firm offering accounting, tax consulting, legal, IT, real estate, and company registration services to over 1,000 legal entities in Montenegro, including enterprise clients such as Ericsson and Siemens, and operates the Proventum e-fiscalization platform.

Ownership category

akta.pro rank

Headquarters

HQ city

Podgorica

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Accounting and Bookkeeping Services: Core accounting services including financial reporting, bookkeeping, and ongoing accounting support for legal entities
2. Tax and Business Consulting: Tax consulting, tax optimization, and business consulting services through the 3K sector
3. Company Registration Services: Registration of business entities in Montenegro including document preparation and submission
4. Legal Services: Legal services including company legal administration and representation
5. IT Services: Information technology services provided through the company's IT sector
6. Real Estate Services: Investment real estate services including property finding and business space procurement
7. E-Fiscalization Services: Digital certificate procurement (39 EUR + VAT) and fiscalization software through the Proventum platform
8. Family Office Services: Wealth structuring, tax optimization, legal compliance, real estate advisory, private banking, company administration, succession planning, and citizenship/residency solutions for HNWIs

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Finance Plus is a Podgorica-based accounting and business services firm offering outsourced bookkeeping, financial reporting, tax consulting, company registration, legal, internal audit, IT, and investment real estate services to businesses operating in Montenegro. It also operates the Proventum cloud platform for electronic fiscalization of invoices and provides Family Office services for high-net-worth individuals seeking wealth structuring, residency, and succession planning.

Product overview

Finance Plus is a comprehensive accounting and business services agency offering a portfolio of interconnected services for businesses in Montenegro. The core offerings include accounting and financial reporting, tax consulting, legal services, administrative services, internal audit, IT services, and investment real estate services. The company also provides specialized consulting services for company formation and business planning, education and training programs, and operates the Proventum digital cloud platform for electronic fiscalization of invoices. The Proventum platform is their primary software product, enabling businesses to fiscalize invoices through a web application accessible 24/7, while their service offerings work together to provide everything needed for successful business operations in Montenegro.

Differentiator

Problem solved

Functional benefit

Products and services

• Proventum E-Fiscalization Platform Cloud-based digital platform that enables businesses in Montenegro to fiscalize cashless invoices electronically and securely through a partner network, with web application access and document management.
• Accounting and Financial Reporting Services Ongoing bookkeeping, financial reporting, and accounting support for businesses operating in Montenegro, targeting legal entities needing compliant financial statements.
• Company Registration Services End-to-end company formation services in Montenegro including document preparation, company seal, bank account opening, and tax authority registration.
• Tax Consulting Services Professional tax advisory covering tax optimization, protection from tax and financial risks, and compliance with Montenegrin regulations.
• Legal Services Wide range of legal services provided through the Finance Plus legal office, covering company legal administration and representation.
• Internal Audit Internal audit services for business risk assessment and control, supporting organizations in strengthening governance.
• Information Technology Services IT consulting and digital solutions provided by the Finance Plus IT sector for business clients.
• Investment Real Estate Services Real estate services including property appraisal, market research, construction supervision, and investment consulting for banks, investors, and corporations.
• Administrative Services Outsourced administrative services that accelerate and streamline administrative processes for businesses.
• Business Consulting Business consulting covering company start-up, liquidation and bankruptcy proceedings, financial analysis, financial statement analysis, tax optimization, business plan creation, and business procedure implementation.
• Residence and Work Permit Services Service for obtaining and renewing residence and work permits for foreign nationals in Montenegro.
• Family Office Services Customized wealth management services for high-net-worth individuals covering wealth structuring, legal compliance, real estate advisory, private banking, company formation, succession planning, and citizenship solutions.
• Education Services Training services to improve business and personal skills, including video tutorials for electronic fiscalization.

Quantifiable outcome

• Average customer satisfaction rating of 9.2 out of 10
• +2 more outcomes

Named customers9 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Two partnerships are on record, tiered core.

• MSI Global AlliancecoreStrategic or Co-development PartnerFinance Plus is a member of MSI Global Alliance, an international association of professional accounting and legal service firms. This membership provides the company with access to global expertise and enables the firm to serve clients with cross-border business needs through a network of partner firms worldwide.
• Proventum (Digital Platform)coreTechnology or IntegrationProventum is a cloud-based digital platform that Finance Plus utilizes to provide e-fiscalization services to clients. The platform enables cashless invoice fiscalization and company registration services.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Deloitte Montenegro: Deloitte operates in Montenegro providing audit, tax, consulting, and advisory services to enterprise clients. It is comparable to Finance Plus as a competing professional services firm in the same Montenegrin market, but with substantially larger scale, global brand, and broader service breadth as a Big Four incumbent.
• Mazars Montenegro: Mazars is an international audit, tax, and advisory network with a presence in the Western Balkans. It is comparable to Finance Plus as a global-network-backed accounting and advisory competitor targeting similar SME and mid-market clients in the region.
• EY Montenegro: EY (Ernst & Young) provides assurance, tax, and consulting services in Montenegro. It is a comparable professional services competitor for enterprise clients, particularly multinational corporates like those in Finance Plus's client list.
• Baker Tilly Montenegro: Baker Tilly is a global advisory network with presence across Southeast Europe. Comparable to Finance Plus as a competing international accounting/advisory network in the Balkans, targeting similar SME and foreign-investor client bases.
• Crowe Montenegro: Crowe Global is an international accounting network with Montenegrin member firms offering audit, tax, and advisory services. It is comparable to Finance Plus as a peer network member competing for similar SME and mid-market accounting mandates.
• Grant Thornton Montenegro: Grant Thornton has a presence in Montenegro offering audit, tax, and advisory services. It competes with Finance Plus for similar client segments — SMEs, foreign investors, and mid-market enterprises needing cross-border accounting support.
• PwC Montenegro: PwC offers audit, tax, and advisory services in Montenegro through its local member firm. It competes with Finance Plus for mid-market and enterprise accounting/tax mandates in Montenegro, with comparable service lines but vastly greater international resources.
• BDO Montenegro: BDO operates in Montenegro providing accounting, tax, and advisory services through its local member firm. It is a mid-tier global network competitor to Finance Plus, comparable in service breadth but larger in scale and brand recognition.
• KPMG Montenegro: KPMG provides audit, tax, and advisory services in Montenegro. It competes with Finance Plus for large enterprise and foreign-investor mandates in the Montenegrin market, with similar core service categories but global brand and scale advantages.

Emerging players

• HLB Montenegro: HLB International is a global advisory and accounting network with member firms across the Balkans including Montenegro. It is comparable to Finance Plus as a mid-tier network competitor offering audit, tax, and advisory services to similar client profiles in the region.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Instagraminstagram.com/finance_plus
• Facebookfacebook.com/financeplusdoo

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Finance Plus