iziBizi
iziBizi is a Portuguese cloud SaaS that combines certified accounting software (Cegid Business) with Millennium bcp Open Banking to deliver invoicing, expense management, payroll, and embedded financing to micro-enterprises, sole proprietors, and small business owners.
- Company typePrivate
- Founded-
- HeadquartersPorto, Portugal
- Headcount1–10
- GTM typeB2C
- OfferingSoftware
What iziBizi does
iziBizi is a cloud-based SaaS invoicing and business management platform marketed as the first invoicing software in Portugal with an integrated bank account. It is operated by Cloudware, S.A. (Porto, share capital €137,000) on top of Cegid Business, a Portuguese Tax Authority-certified accounting engine (certification 2397/AT since 2015 and SVAT seal since 2020), and combines that engine with Millennium bcp Open Banking APIs. Millennium bcp owns the iziBizi trademark and provides the banking connectivity, payment initiation, the [email protected] payment service (MB WAY, Multibanco, cards), and the embedded Crédito Digital Tesouraria short-term financing product (up to €25,000, 8.359% TAE). The platform reads QR codes from invoices via computer vision, applies machine learning to classify expenses from historical user behavior, automatically reconciles bank statements, processes payroll with submissions to Social Security and the Tax Authority, and offers a 10-year-compliant digital archive. Customers access the service via web or iOS/Android mobile apps.
The product is sold as two subscription tiers: iziBizi Standard at €14/month (2 users, 1GB archive, no payroll) and iziBizi Premium at €35/month (3 users, 3GB archive, payroll for up to 10 employees), with add-ons for additional users, storage, stock, and extra payroll capacity. The first month is free, and there are no contract commitments or cancellation fees. Distribution is 100% digital self-serve through izibizi.pt, requiring Millennium bcp business account credentials for sign-up, supplemented by a partner channel of certified iziBizi accountants (including Moneris with 300 consultants, Nucase, Contar Mais, Bracing, Conta Online, and others). The company also promotes PRR Digital Transition Services packages (Silver/Gold/Platinum worth €500-€1,500 over 24 months) to eligible Portuguese SMEs as a subsidized acquisition channel. The customer base targets Portuguese micro-enterprises, sole proprietors (ENIs), small business owners, and the certified accountants who serve them. Revenue streams include recurring SaaS subscriptions, add-on fees, and a transaction-based component from embedded bank financing. The company is privately held and operates with a small team of 5 employees from Porto.
iziBizi firmographics
Firmographics- Name
- iziBizi
- Legal name
- Cloudware, S.A.
- Website
- https://izibizi.pt
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- iziBizi is a Portuguese cloud SaaS that combines certified accounting software (Cegid Business) with Millennium bcp Open Banking to deliver invoicing, expense management, payroll, and embedded financing to micro-enterprises, sole proprietors, and small business owners.
- Ownership category
- akta.pro rank
iziBizi industry classification
Industry- Product category
- Business Management Software
- NAICS
- Software Publishers (5132)
- SIC
- Services-Prepackaged Software (7372)
- akta.pro primary industry
- B2B/EDI & Partner Integration (BPAMAOAJ)
Keywords
Where iziBizi is headquartered
LocationHeadquarters
- HQ city
- Porto
- HQ country
- Portugal
- HQ region
- Europe
Offices1 record
Markets served
iziBizi business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Monthly SaaS Subscription: Two-tier subscription model (Standard at €14/month and Premium at €35/month) with separate billing from Cloudware for the Cegid Business software license and from Millennium bcp for Open Banking services. Additional revenue from add-ons: extra users (+€5/month each), extra storage (+€1-2/month per GB), stock management (+€3/month), and salary processing pack for up to 10 employees (+€10/month). First month free for new subscribers.
- Digital Treasury Credit: Credit Digital Tesouraria product offered through Millennium bcp integration, providing short-term financing up to €25,000 with 100% digital application and same-day approval. TAE of 8.359% based on 7.999% fixed TAN.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Standard plan at €14/month + VAT - basic invoicing with 2 users and 1GB archive |
| Subscription | Monthly | Premium plan at €35/month + VAT - full-featured with 3 users and 3GB archive including payroll |
| Subscription | Multi-year contract | PRR Digital Transition Services (Silver/Gold/Platinum packages) |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels7 records
iziBizi product offering
Product offeringCore offering
iziBizi is a cloud-based SaaS platform that combines certified electronic invoicing and accounting software (Cegid Business) with integrated Open Banking services from Millennium bcp, enabling micro-enterprises and sole proprietors (ENI) to issue invoices, capture expenses, run payroll, reconcile bank statements, and make payments from a single application. The platform is delivered via two monthly subscription tiers (Standard €14/month and Premium €35/month) plus add-ons for users, storage, stock management, and salary processing, with mobile apps for iOS and Android.
Product overview
iziBizi is a cloud-based business management software with an integrated bank account, built on Cegid Business and powered by Millennium bcp's Open Banking. The product portfolio consists of two subscription tiers — iziBizi Standard (€14/month) and iziBizi Premium (€35/month) — which share a common foundation of invoicing, expense management, digital archiving, and bank integration. Premium adds payroll processing and full collaborative accounting capabilities. Both plans are delivered as a cloud service accessible via browser or mobile app (iOS/Android). The platform natively integrates with Millennium bcp and other banks via Open Banking, the Portuguese Tax Authority (AT) for e-fatura and declarations, Social Security for payroll filings, and offers [email protected] for alternative payment methods (MB WAY, Multibanco, cards). Add-on services include a credit product (Crédito Digital Tesouraria up to €25,000) and PRR-subsidized Digital Transition Service packages (Silver, Gold, Platinum). The underlying technology includes an internal CASPER framework developed with EU funding for dynamic web application construction.
Differentiator
Problem solved
Functional benefit
Brands
- Cegid Business: The underlying certified accounting and invoicing software platform that powers iziBizi, developed and maintained by Cloudware, S.A.
- iziBizi STANDARD
- iziBizi PREMIUM
Products and services
- iziBizi Standard Entry-level cloud subscription plan at €14/month+VAT providing Portuguese micro-enterprises and sole proprietors with electronic invoicing, expense management, bank integration (real-time statements, daily agenda, payments), digital archive with 1GB, automatic expense classification, and up to 2 users. Targets small businesses needing core invoicing and expense management without payroll.
- iziBizi Premium Full-featured cloud subscription plan at €35/month+VAT including all Standard features plus payroll processing for up to 10 employees, 3 users, 3GB digital archive, and full collaborative accounting integration with automatic SVAT-certified submissions. Targets small businesses with employees that need payroll and deeper accountant collaboration.
- Cegid Business Certified online invoicing, management, and accounting software underlying iziBizi, providing invoicing, expense management, digital archive, accounting, payroll, and asset management capabilities for Portuguese businesses and accountants. AT-certified (2397/AT) since 2015 and SVAT-certified since 2020.
- iziBizi Mobile App (iOS/Android) Mobile application for iOS and Android providing real-time business management including invoicing, expense photography and registration, QR code scanning, client management, and business dashboard access. Synchronizes in real-time with the web platform and is the on-the-go companion to iziBizi Standard and Premium subscriptions.
- Digital Transition Services (PRR) EU-funded Digital Transition Service packages under Portugal's PRR program offering subsidized bundles of iziBizi subscriptions (Silver with €500 voucher for 24 months on Starter plan, Gold with €1,000 voucher on Total plan, Platinum with €1,500 voucher and full migration support). Available to PME-certified SMEs in eligible CAE code sectors.
- Crédito Digital Tesouraria Short-term credit product offered by Millennium bcp and accessible directly within iziBizi, providing up to €25,000 with 100% digital application and same-day approval, no additional guarantees required, at TAE of 8.359% (based on 7.999% fixed TAN). Targets iziBizi subscribers needing working-capital financing.
Quantifiable outcome
- 100% digital onboarding without any paper documentation
- +2 more outcomes
Companies that use iziBizi
Customer profileNamed customers8 records
Segments3 records
Ideal customer profiles3 records
iziBizi technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
AI capability6 records
Feature5 records
iziBizi partnerships and signals
Strategic signalPartnerships
14 partnerships are on record, tiered core, preferred and standard.
- Millennium bcp (Banco Comercial Português, S.A.)coreMillennium bcp is the core banking partner providing Open Banking services that enable iziBizi's integrated bank account functionality. The bank provides account information services, payment initiation services, and the [email protected] payment service for invoice collections. Millennium bcp also owns the iziBizi trademark and provides financing products (Crédito Digital Tesouraria) through the platform.
- Cegid (formerly Cloudware Business)coreCegid provides the underlying certified accounting and invoicing software (Cegid Business) that powers iziBizi's core functionality. Cegid Business is certified by Portuguese tax authorities (AT) with number 2397/AT since 2015 and holds the SVAT seal for accounting validation since 2020.
- Cloudware, S.A.coreCloudware S.A. is the operating company that develops, commercializes, and maintains the iziBizi/Cegid Business platform. The company has its headquarters in Porto, Portugal, with a share capital of €137,000. Cloudware handles customer support, onboarding, and software maintenance.
- MonerispreferredMoneris is a certified iziBizi accounting partner with 20 offices and 300 consultants/accountants across Portugal. They recommend iziBizi to their small business clients and provide implementation support.
- NucasepreferredNucase is a certified iziBizi accounting partner specializing in business support services including accounting, taxation, human resources management, and management consulting.
- Contar MaispreferredContar Mais is a certified iziBizi accounting partner with experienced team in accounting and management support, offering solutions that promote excellence in financial information.
- BracingpreferredBracing is a certified iziBizi accounting partner offering management advisory and digital accounting services, desmaterialized and accessible 24/7 with 15 years of experience.
- Conta OnlinepreferredConta Online is a certified iziBizi accounting partner offering digital accounting with easier processes, no paper, time savings, and remote customer service.
- IntegridadosstandardIntegridados is a certified iziBizi accounting partner focused on providing timely and quality business information for client success.
- Valor PrópriostandardValor Próprio is a certified iziBizi accounting partner offering innovative management support and advisory services with proactive accounting solutions.
- iConsultingstandardiConsulting is a certified iziBizi accounting partner combining management expertise with digital innovation to ensure project success.
- FiscomelresstandardFiscomelres is a certified iziBizi accounting partner part of the Iniciativapme group with over two decades of accounting service experience.
- BTOCstandardBTOC is a certified iziBizi accounting partner network of offices operating close to customers, sharing knowledge with focus on innovation and quality.
- [email protected] (Millennium bcp)core[email protected] is a payment service from Millennium bcp integrated into iziBizi that enables additional payment methods on invoices including MB WAY, Multibanco references, and VISA/Mastercard payments.
Scale indicators3 records
Recent moves6 records
Expansion highlights6 records
iziBizi competitors and assessment
Company assessmentBroad incumbents
- Xero: Global SMB accounting SaaS with bank-feed-driven automation as a core value proposition, the international analog to iziBizi's Open-Banking-native approach and a longer-term competitive threat if it expands deeper into Portugal.
- Primavera BSS: Major Portuguese business software incumbent offering invoicing, accounting, ERP, and HR solutions; broad portfolio overlaps with iziBizi's certified invoicing and accounting capabilities across SMB and mid-market segments.
- QuickBooks (Intuit): Global SMB accounting platform with bank-feed-based bookkeeping; its Portuguese presence and product overlap with iziBizi represent a potential direct competitive pressure at the certified-invoicing-plus-banking layer.
- PHC CSB (Sage Portugal): Long-established Portuguese accounting and management software suite for SMBs and larger enterprises, providing broader ERP-adjacent functionality; competes in the same Portuguese certified-invoicing and accounting market as iziBizi.
Direct peers
- InvoiceXpress: Portuguese electronic invoicing and billing SaaS serving SMBs and freelancers, overlapping directly with iziBizi's core invoice/expense automation offering for the same micro-enterprise segment.
- Moloni: Portuguese SMB-focused invoicing and accounting SaaS that directly competes with iziBizi on certified electronic invoicing, expense management, and bank integration for sole proprietors and micro-enterprises across Portugal.
- CentralGest: Portuguese accounting and business management SaaS targeting SMBs and accounting offices, providing invoicing, accounting, payroll, and stock modules — overlapping directly with iziBizi's positioning in the Portuguese SMB SaaS market.
- Vendus: Portuguese cloud invoicing and POS/inventory SaaS for small businesses, a comparable SMB-focused platform offering electronic invoicing and accounting features targeting the same customer profile as iziBizi.
Emerging players
- Bokio: European (originally Swedish) SMB accounting SaaS that bundles bookkeeping with bank payment/account access; a useful comparable for how Open-Banking-native SMB accounting products scale and monetize across small markets.
Others
- Tink (Visa): Open Banking aggregation platform that enables third-party apps to read bank data and initiate payments — the same infrastructure layer iziBizi relies on for its differentiated banking-integration capabilities.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks7 records
Key highlights7 records
Customer concentration
iziBizi social profiles
Digital presenceiziBizi compliance and trust
Trust signalCompliance3 records
iziBizi financial estimates
Financial estimateRevenue estimate
Valuation estimate
iziBizi leadership team
Management profileNumber of profiles
iziBizi funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
iziBizi M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about iziBizi
What does iziBizi do?
iziBizi is a cloud-based SaaS platform that combines certified electronic invoicing and accounting software (Cegid Business) with integrated Open Banking services from Millennium bcp, enabling micro-enterprises and sole proprietors (ENI) to issue invoices, capture expenses, run payroll, reconcile bank statements, and make payments from a single application. The platform is delivered via two monthly subscription tiers (Standard €14/month and Premium €35/month) plus add-ons for users, storage, stock management, and salary processing, with mobile apps for iOS and Android.
Is iziBizi a public or private company?
iziBizi is a private company. It is classified as corporate owned and is currently operating.
When was iziBizi founded?
iziBizi was founded in -1. It employs 1 to 10 people.
Where is iziBizi based?
iziBizi is headquartered in Porto, Portugal, in the Europe region.
How does iziBizi make money?
Two revenue lines are on record. Monthly SaaS Subscription is the primary driver. The others are digital Treasury Credit.
Who are iziBizi's main competitors?
Broad incumbents on record are Xero, Primavera BSS, QuickBooks (Intuit) and PHC CSB (Sage Portugal). Direct peers are InvoiceXpress, Moloni, CentralGest and Vendus. Bokio is listed as an emerging player. Tink (Visa) is listed as an others.
Does iziBizi have an API?
Yes. API documentation is available for developers. The API documentation URL is https://cloudware.gitbook.io/documentacao-api/ and https://cegid-cloudware.gitbook.io/documentacao-api/ Developer documentation is at cloudware.gitbook.io/documentacao-api.
What industry is iziBizi in?
iziBizi's product category is Business Management Software. Its primary akta.pro industry code is BPAMAOAJ, B2B/EDI & Partner Integration. Its NAICS code is 5132 and its SIC code is 7372.