Tilitalo Emma Oy

What Tilitalo Emma Oy does

Tilitalo Emma Oy is a Finland-based, privately held accounting firm (osakeyhtiö) that specializes exclusively in bookkeeping and financial management for housing companies (taloyhtiöt) and property management companies (isännöintiyritykset). Founded to address a shortage of sector-specialist accounting providers in Finland, the firm operates from offices in Järvenpää (headquarters), Oulu, and Varkaus, and reports serving more than 1,500 housing companies across 35 Finnish localities on a fully electronic delivery model.

The service portfolio is organized into four products: 'Yrittäjän arjen helpottaja' for property management entrepreneurs seeking full outsourcing; 'Nopean kasvajan tuki' for scaling property management firms, featuring an explicit scalability guarantee; 'Premium-asiakkuus', an add-on advisory engagement that maps processes and budgets with a stated objective of 5–10% immediate improvement in client results; and 'Emma Taloyhtiölle', a direct-to-housing-company offering with publicly published monthly subscription pricing that scales from €99/month (1–7 apartments) to €299/month (41–60 apartments). All services are operated on the Visma Fivaldi financial management platform and supplemented by Tilitalo Emma's own customer portal, which gives housing company clients real-time visibility into invoices, bank balances, and an invoice-approval workflow.

The commercial model is recurring-revenue dominated: monthly subscriptions for direct housing-company clients, and custom subscription/managed-service contracts for property management company outsourcing. Distribution is sales-led and inside-sales hybrid, using the company website, inbound contact forms, phone outreach, and customer referrals; there are no third-party channel partners. With 12 employees serving over 1,500 taloyhtiöt clients, the firm operates a leveraged delivery model that is uncommon in Nordic generalist accounting practices, and there is no disclosed external equity, debt, or M&A activity.

Name

Tilitalo Emma Oy

Legal name

Tilitalo Emma Oy

Website

https://ttemma.fi

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Tilitalo Emma Oy is a Finland-based specialist accounting firm that provides outsourced bookkeeping and financial management services to housing companies and property management firms via a fully electronic, subscription-based model built on the Visma Fivaldi platform.

Ownership category

akta.pro rank

Product category

Accounting & Bookkeeping Services for Housing Companies

NAICS

Business Support Services (5614)

SIC

Services-Engineering, Accounting, Research, Management (8700)

akta.pro primary industry

Financial Planning & Analysis Support (Budgeting, Forecasting, Management Reporting) (BPAAAGAJ)

Keywords

• Housing company accounting
• Property management bookkeeping
• Outsourced accounting services
• Real estate financial management
• Isännöintikirjanpito

Headquarters

HQ city

Järvenpää

HQ country

Finland

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Housing Company Accounting Services (Taloyhtiöiden kirjanpito): Monthly subscription-based services for housing company accounting, including bookkeeping, financial statements, and ongoing financial management. Services are scalable based on number of apartments.
2. Property Management Company Services (Isännöintiyritysten palvelut): Outsourcing services for property management companies including complete or partial accounting outsourcing, payroll processing, and business process optimization. Includes Yrittäjän arjen helpottaja and Nopean kasvajan tuki service tiers.
3. Premium Account Services: Premium-tier service for property management companies including process mapping, efficiency planning, budgeting, with guaranteed 5-10% immediate improvement in company results.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Tilitalo Emma Oy is a Finnish accounting firm specializing exclusively in bookkeeping and financial management for housing companies (taloyhtiöt) and property management companies (isännöintiyritykset). The firm offers outsourced accounting, financial statement preparation, payroll, and related advisory services, delivered entirely electronically through the Visma Fivaldi platform with a real-time customer portal. Service tiers include daily support for property management entrepreneurs, scalable growth support, premium business optimization, and direct housing-company subscriptions.

Product overview

Tilitalo Emma is an accounting firm specializing in housing and real estate company bookkeeping. The company offers a unified service portfolio centered around outsourced accounting for property management companies, comprising three main offerings: Yrittäjän arjen helpottaja for daily operational support, Nopean kasvajan tuki for scalable growth support, and Emman Premium-asiakkuus as an add-on for business optimization. Additionally, the Emma Taloyhtiölle service targets housing companies directly. All services leverage electronic/digital processes and provide real-time financial monitoring tools.

Differentiator

Problem solved

Functional benefit

Brands

• Emma Taloyhtiölle: Service for housing companies offering electronic accounting and financial statements with real-time access
• Yrittäjän arjen helpottaja
• Nopean kasvajan tuki
• Premium-asiakkuus

Products and services

• Yrittäjän arjen helpottaja (Entrepreneur's Daily Helper)
• Nopean kasvajan tuki (Rapid Growth Support) Scalable outsourced accounting service for property management companies in growth mode. Includes a scalability guarantee (the outsourced bookkeeping team scales with the client), optimized financial management, expert coaching, and comprehensive housing-company accounting elements such as bookkeeping, fee and rent monitoring, payroll, regulatory reporting, loan management, invoice processing, and VAT advisory.
• Tilitalo Emman Premium-asiakkuus (Premium Membership) Premium add-on service for property management companies. Includes business-process and financial-management assessment of the property management firm's own operations, operational efficiency planning, and budgeting, with a stated goal of lifting company results by at least 5-10% from the first day.
• Emma Taloyhtiölle (Emma for Housing Companies) Direct subscription service for housing companies, providing electronic bookkeeping and financial statements, real-time visibility into housing-company transactions, invoices, and bank-account balances, and a digital invoice-approval workflow. Each housing company is assigned a dedicated accountant. Pricing is publicly listed in tiers by number of apartments: €99/month (1-7), €149/month (8-15), €199/month (16-25), €249/month (26-40), and €299/month (41-60), all VAT inclusive.

Quantifiable outcome

• Premium Account customers achieve 5-10% improvement in company results from day one

Named customers3 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Rantalainen: Finnish tilitoimisto and HR services chain serving SMEs across multiple verticals; comparable recurring subscription model and similar GTM approach.
• Talenom: Largest Finnish tilitoimisto chain providing bookkeeping, payroll, and financial management outsourcing to SMEs including property management firms; directly comparable business model with broader customer base and stronger brand.
• Azets: Nordic-owned accounting, payroll, and HR outsourcing group with operations across the Nordics; directly comparable BPO model targeting SMEs including property managers.
• Accountor: Major Nordic accounting and payroll outsourcing group with strong presence in Finland; competes for the same property management and SME accounting outsourcing wallet.
• Norian: Finnish accounting and payroll outsourcing firm focused on SMEs; similar outsourcing service portfolio and competes for property management clients.

Emerging players

• Econia: Finnish fintech-style accounting services firm; smaller-scale but increasingly competitive in the SME bookkeeping segment where Tilitalo Emma also operates.

Broad incumbents

• Visma: Nordic software and business services conglomerate that owns the Fivaldi platform Tilitalo Emma depends on; a broad incumbent whose ecosystem choices can shape the competitive landscape.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/Tilitalo-Emma-1592236677674369
• LinkedInlinkedin.com/company/tilitalo-emma-oy

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 Tilitalo Emma Oy