KIRJAA.

Before our paid hour together

How you work today —
and how Kirjaa would do it

Thank you for sharing your expertise with us.

“You should never have to take a set of books on faith.” That is what Kirjaa stands for, and this whole page is that one idea, drawn.

Kirjaa is a bookkeeping system we are designing: it does the books itself, asks a person only what it cannot prove, and keeps one record you can check. This page shows that complete design next to how the same work is done in Finland today — nothing is built yet; everything on the Kirjaa side is a drawing.

You are the accounting firm whose hour we have booked — and you stay the customer: your clients keep paying you, and nothing here is sold around you.

What we truly need from you

Your judgement — not your approval.

Parts of this page will be wrong. Only someone who does this work every day can see where — that is the expert work we are paying for.

How this page works · four steps · at your own pace 1 Walk the product next to today. Two drawings, then sixteen screens — today on the left, Kirjaa on the right, changing together. ↓ 2 Compare it with today. All fifteen steps of a Finnish year, next to how you do them now — and what you would gain. ↓ 3 Answer as you go. Thirteen questions: right, or not quite — and where not quite, how it really is, in your view. ↓ 4 Send it back. One button gathers your answers to paste into a reply to us. Nothing sends itself. ↓
Start here — walk the product ↓
The product · the simulation · sixteen screens

This is Kirjaa — walk it yourself

First the two drawings — what Kirjaa absorbs, and what it believes. Then sixteen screens, each shown twice: on the left, how the work runs on your desk today; on the right, the same moment in Kirjaa. One click moves both sides. Everything is drawn — the today side from the research, the Kirjaa side from the design — and nothing you click leaves your computer. the design

YOUR DESK TODAY — ≈11 KINDS + EMAIL + 4 PORTALS ONE WINDOW core ledgerreceipt captureinvoice transportthe bank connectionpayrollmaterial chasingpayment settlements — by hand todayAI assistance — in the core todayknowledge servicesigning & identityfirm adminemail — the chase lives hereportal · Tax Authority (Vero)portal · Incomes Registerportal · tax return file serviceportal · Company Register (PRH) KIRJAA work queue · booking itself questions · the few for you filings · on their clocks the record · every line, its why one record — kept ten years, never edited a drawing of the design · nothing is built · invented sample
What Kirjaa absorbs — every part, named. "About eleven pieces of commercial software before they reach four government systems" is the research's own count; here the four portals are named too. Two of the eleven are no longer separate boxes — the AI assistance sits inside the core, and payment settlements are done by hand. They stay named so you can correct the list. If your desk runs something this drawing misses, that is exactly what we want to hear.
What Kirjaa believes — and what we truly sell

“You should never have to take a set of books on faith.”

Not software. Not speed. Provable certainty — certainty you can check, instead of certainty you must trust.

Why it matters to a firm that wants to grow: you can only take the next client if you can stand behind work you did not do yourself, line by line. Work you cannot check is not capacity — it is risk. Certainty you can check is what lets a firm say yes.

THE 34 SYSTEMS WE CHECKED KIRJAA ? the books, closed — take the number on faith €1,890 · laptop · this year's cost why: the small-item rule, read this way decided by you · 15 Sep 2026 · never edited any line, opened — check it yourself, in 2035 as today

Now the product itself — today on the left, Kirjaa on the right, screen by screen:

Today · drawn from the research

● ● ●your desk · todayTilitoimisto Taival · invented sample
ledgerreceiptsinvoicesbankpayrollchasesheetssignadminemailsuomi.fiomaveroincomes reg.ilmoitinprh

On the screen in front of you

where is Kide Oy · September?
Your ledger — e.g. Netvisor · Procountorpart of it
Email — 24 unreadsome attachments
The bankthe statement
A folder on the desktoplast month's copy

What your hands do

1the ledgeropen it — log in
2emailopen it — 24 unread
3the banklog in · download yesterday's statement
4payrolllog in · whose payday is close?
5all of themlook for Kide's September — you check three windows
The bill · this step, today: ● 5 by hand · 3 logins before the first booking · the same facts kept in ≈11 places

With Kirjaa · the design

KIRJAA. Tilitoimisto Taival · Tue 15 Sep 2026 · invented sample
Today across your clients: 38 items booked themselves 2 questions for you 3 filings on their clocks 0 overdue
Your clients · 12
Kide Oy2 QUESTIONS
Norppa OyPAYOUT SPLIT
Routa OyPAYROLL 2/5
Halla OyCURRENT
+ 8 moreALL CURRENT
Work queue · booking itself
Invoice · Paulig Oy · €312.40 — matched, booked, rule written downBOOKED
Payout · €4,212.86 — 412 sales · fees · refundsSPLIT · €0.00
Card receipt · VR · €47.90 — booked, rule written downBOOKED
+ 35 more this morningNO HANDS
Questions · the few for you
Laptop €1,890 — cost, or asset?FOR YOU
Meal receipt €86.00 — client dinner, or own?FOR YOU
It will not guess — your answer is kept, in your nameTHE RULE

The whole product, in one window — the work queue booking itself, the few questions for you, filings on their clocks, and the record. The next fifteen screens walk it step by step. Use the buttons: forward, back, or jump anywhere.

Screen 1 of 16
Part two · for our session together

Compare it with today — and judge it

Everything above explains the complete solution. Everything below is the working material for the paid hour: each of the fifteen steps next to how it is done today, what you would gain — and thirteen prepared questions where your judgement corrects the design. This is the part we walk together.

Start with the first drawing at the top of the page — your desk today:

Question 1

Look at the first drawing at the top of this page. It shows your desk today: about eleven programs, plus email, plus four government portals. Is that true for your firm?

Chapter one · when a client signs up · steps 1–3 of 15

Three steps, once per client

1Check who the customer is Your legal duty, before any work starts — and it stays yours. true today In the design, the system only keeps the record of your check. the design
2Get the permissionsonce · blocks everything after it
TODAYTHE DESIGNclientyouask · remind · ask againa grant — it lapses silentlyclientKIRJAAevery grant · trackedrenewals watched — nothing lapses
Today Only the client can grant the permissions, in the government's own service. A warning goes only to those with the government’s message service switched on; for the rest, the route simply stops working one day, with no notice at all. A full engagement needs more grants than the obvious ones. true today
The same step in Kirjaa
New client · Kide Oyinvented sample
Identity confirmed — by youYOURS
Permission requests prepared for the client — each grant named, each trackedSENT
Renewal watched — you are warned before anything lapsesWATCHED
What you gainNo chase, nothing lapses — every grant on record, with its date.
3Set up the connectionsonce · at the start
TODAYTHE DESIGNthe banke-addressaccountsbalancesyou wire them togetherthe banke-addressaccounts · balancesKIRJAAalready inside — a few choices
Today The bank agreement, an address for e-invoices, the chart of accounts, opening balances typed in. Much of this exists only because several systems each store the same things differently. Set-up work, not accounting work. true today
The same step in Kirjaa
Kide Oy · connectionsinvented sample
E-invoice address — created inside the system, on the operator Kirjaa pays forDONE
The client confirms the account once, with strong identification — nobody can do it for themTHEIRS, ONCE
Bank — live route, or the simplest door: the client hands over the statementCHOOSE
Opening balances — read in, checked against the bankDONE
What you gainChoices, not wiring.
Question 2

Your clients today have years of bookkeeping in your old programs. Think of moving one client into a system like this. What would you need, to feel safe doing it?

Question 3

Think of the last client you took over from another firm. Before you put your own name behind their old books — how much did you re-check?

Chapter two · every month · steps 4–8 of 15

The loop that never stops

First, watch one invoice cross the month in both worlds — more than nine in ten invoices between Finnish businesses already arrive as data: true today

TODAY THE DESIGN arrives as data the program proposes a person confirms approved paid, via the bank file archive ● = A PAIR OF HANDS · THE REASON STAYS IN A HEAD arrives booked · the rule written down the record in doubt? it stops and asks you — your answer is kept, in your name how often it stops: not measured 6 STATIONS · 3 PAIRS OF HANDS 1 LINE · 1 POSSIBLE QUESTION
The dashed detour is the point: the system refuses to guess. the design
Question 4

Look at the drawing above. The left side shows how an invoice moves through your firm today, in six stops. Is that right?

Question 5

The right side shows the invoice going straight through, with no person touching it. In real life: which invoice would fail to go straight through, first?

4Get the month's paperworkthe 10th · by contract
TODAYTHE DESIGNyouclientemail · call · email againTHE 10TH IS COMINGKIRJAAclientit reminds, by itselfyou see only what they alone know
Today Bank lines and e-invoices arrive by themselves. What is left is the part only the client has — card receipts, contracts, "what was this payment for?" — and it still runs on nagging, mostly unbilled. This is where the month slips. true today
The same step in Kirjaa
Waiting on the client · Kide Oyinvented sample
Card receipt, 14 Sep — reminder sent by the system, twiceCHASING
"What was this €240 payment for?" — batched with the othersASKED
Items only a person can settle — shown to you, nothing else2 FOR YOU
What you gainThe chase runs without you — and every ask is on the record.
Question 6

In this design, Kirjaa writes to your client directly, in your firm’s name. It sends reminders by itself, and it saves small questions to send together, in one email. Is that OK with you? our open choice

4bSplit the payoutper provider · every month
TODAYTHE DESIGN€4,212.86 · one lumpby hand, every month€4,212.86 · one lumpKIRJAA€0.00 LEFT OVER
Today A client selling online gets one lump from the payment provider — hundreds of sales, minus fees, refunds and charge-backs (card payments taken back). Somebody takes it apart by hand, once per provider, every month. true today
The same step in Kirjaa
Bank line · payout €4,212.86invented sample
412 sales · commission · fees · refunds · holding accountSPLIT
Difference remaining€0.00
What you gain€0.00To zero, by itself — and every part can be checked.
5Payroll, and the Incomes Registerpayday + 5 days
TODAYTHE DESIGN+ 5payday + 5 daysyou count the days — for every clientKIRJAAthe clock is insideIncomes Register
Today Five days after payday. Saturdays, Sundays and holidays are counted inside the five days — but if the fifth day itself lands on one, the report may go the next working day. (On paper, allowed only in special cases, it is eight days.) One of the easiest deadlines here to miss, and a person counts it beside every other client's payday. true today
The same step in Kirjaa
Payroll · September · Routa Oyinvented sample
Wages computed, gross to netDONE
Reported to the Incomes Register — day 2 of 5ON ITS CLOCK
ReceiptWILL BE KEPT
What you gainOn time by construction.
6Decide what every item iscontinuous · the real work
TODAYTHE DESIGN?someone decidesno record of why?KIRJAAit asks when it cannot provethe record — with why
Today Was the meal a client dinner or the owner's? Is the laptop a cost or an asset? Which VAT rate? No outside source can answer — someone decides and must be right. Every major program proposes; every one needs a person to confirm; and the reason is written down nowhere. true today
The same step in Kirjaa
Questions · 2invented sample
Laptop, €1,890 — this year's cost, or an asset over several years?
This year's cost — the small-item rule, read this way
An asset over several years — the useful-life rule, read this way
It will not guess. Your answer books in your name and is kept for ten years.KEPT
What you gainJudgement, finally on record.
Question 7

Go back to screen 8 for a moment. Kirjaa shows the laptop question with two possible answers, and the rule behind each one. Is that enough for you to decide? What is missing from that card?

7File and pay the VATthe 12th · month + 2
TODAYTHE DESIGNyou type it inthe portalTHE 12TH · NO EXTENSIONSKIRJAATax Authorityreceipt, kept
Today The month’s VAT is added up across the month, and it is filed and paid on the 12th of the second month after it — the next working day if the 12th is a weekend or a holiday — so the books must be finished long before the payment. Typed into the portal. And the date itself does not move: "VAT return due dates cannot be extended." true today
The same step in Kirjaa
Filings · Kide Oyinvented sample
VAT · July period — prepared from the record, filed on the 12thRECEIPT STORED
VAT · August period — building as the month books itselfIN PROGRESS
A rejected filing comes back, is corrected, and is re-sent — whether the deadline still holds is our open questionOPEN
What you gainFiled. Receipt kept.
Question 8

It is the 12th — the VAT deadline. One item is still open. Or a filing fails at the last moment. What do you do today? And what should Kirjaa do? Only a person who has lived this can answer it.

8Report back, and billafter the month closes
TODAYTHE DESIGNassembled by handKIRJAAyour note — the advice
Today For a small client, this monthly report is often the part they value most — and the part hardest to charge for, put together by hand from three systems. true today
The same step in Kirjaa
September · Kide Oy · ready to sendinvented sample
What came in, what went out, what was asked and answered, what was filedASSEMBLED
Your note to the client — the judgement they pay you forYOURS
What you gainWrites itself. You advise.

The whole month, on one calendar — every dot a moment where a person must act:

TODAY THE DESIGN 1234567 891011121314 15161718192021 22232425262728 2930 chasing until the 10th · the employer’s separate report on the 5th · VAT typed on the 12th judgement calls all month — confirmed one by one 11 PERSON-MOMENTS DRAWN 1234567 891011121314 15161718192021 22232425262728 2930 three question days — the system saved them up · one sign-off at the end green: VAT filed by the system on the 12th, receipt kept 4 PERSON-MOMENTS DRAWN
The deadlines are real and do not move. true today The dots on the right are a drawn sample — how many a real month needs is a number no one was found to have published. not measured
Question 9 · two ticks

Of the 11 moments in the calendar above, four are judgement — the ones no system can take from you. This is the number we most need from this hour, and it takes two ticks, because a count of stops means nothing without knowing what it is out of.

In a normal week, how many items do you stop and think about before booking?

And roughly how many items go through in total that week?

Chapter two, counted: the judgement calls stay with you — batched, cited, and kept in a record you can check. Four of the six monthly steps run inside the system, every booking keeping its reason, and the chase gets smaller. the design
Chapter three · once a year · steps 9–14 of 15

Four deadlines in a fixed order — and the ten-year duty

9Close the booksyear-end + 4 months
TODAYTHE DESIGNFOUR STATUTORY MONTHSnothing to climb — you review, and stand behind it
Today The firm's largest single job. Costs and income that belong to two different years, sorted into the right year in spring — costs into their years, depreciation, stock, unused holiday accrued, the occupational-health claim — until every figure agrees with something real. true today
The same step in Kirjaa
Year-end · Kide Oy · 2026invented sample
Costs in their right years — carried month by month, all yearALREADY DONE
Depreciation — booked as it ranALREADY DONE
Stock count — requested from the clientWAITING
Every figure agrees with the recordCHECKED
Nothing left to build — review it, and stand behind itYOURS
What you gainNo spring mountain — every figure already agrees with the record.
TODAY THE DESIGN the close — weeks of it, four statutory months review — and stand behind a finished thing JanDecJan–Apr JanDecJan–Apr THE SPRING MOUNTAIN A YEAR ALREADY CLOSED
The curve is a shape, not a measurement — no published figure was found, on the pages checked, for how a bookkeeper's hours divide. If the left side is wrong about your spring, you are the measurement. not measured
Question 10

Kirjaa’s idea for year-end is simple: if every month is truly finished, there is nothing left to close in spring. Do you believe that?

10Sign the accounts The board signs — no one can sign for them. And with the close comes the year’s check: is an auditor required? A commonly misread rule. true today In the design, the record is ready to hand over when an auditor is required. the design
11The company's tax returnthe 6B · year-end + 4 months
TODAYTHE DESIGNthe file servicere-assembled by handthe closed yearderivedthe file service
Today The 6B goes in on the same four-month clock — still by an older file-delivery service, assembled and sent by hand. true today
The same step in Kirjaa
Filings · 6B · 2026invented sample
Derived from the closed year — the same record, nothing re-builtPREPARED
Filed through the file service · receipt keptON ITS CLOCK
What you gainDerived, not re-built.
12The shareholders' meeting The owners adopt the accounts and decide the dividend. Theirs in both worlds, by law. true today
13Publish the accountsyear-end + 8 months
TODAYTHE DESIGNyou file itCompany RegisterKIRJAACompany Register
Today The signed accounts go to the public company register — electronic for nearly everyone since 2026 — and still handled by hand. true today
The same step in Kirjaa
Filings · annual accounts · 2026invented sample
Filed to the register from the same record · receipt keptON ITS CLOCK
What you gainSame record, filed.
14Keep everything, and keep it linked10 years · 6 years
TODAYTHE DESIGNPDFspaperold exportsthe chain, broken across systemsone recordreceipt ⇆ accounts — both ways, ten years
Today Ten years for the accounts, six for the receipts, and the law wants a chain that works in both directions — from a receipt to the accounts and from any number back to the receipt. In practice: PDFs, paper and old exports, in more than one place. true today
The same step in Kirjaa
The record · search: “laptop 2026”invented sample
€1,890 · Laptop · booked 15 Sep 2026 · this year's costOPENS
Why
The small-item rule, read this way. The system could not prove the answer alone, so it asked — and you decided, 15 Sep 2026. Unchanged since the day it was booked.
What you gainLinked both ways, ten years.

That last screen matters most nine years from now:

2035 · today's world

“Why was this 2026 laptop booked as a cost?” — a tax inspector

The answer lives in whoever booked it — and that colleague left years ago. The entry is there. The reason is not.

true today — none of the 34 Finnish bookkeeping products we checked writes down why a booking was chosen.

2035 · the design

The same question. You click the line — the reason, the rule, who decided, and when. An answer that survives the person.

the design

Question 11

Think of a difficult decision in the books — for example: is a laptop a cost this year, or an asset over several years? Someone at your firm decides. Do you write down anywhere why you decided that way?

Chapter three, counted: two of the six yearly steps stay yours — by law, and drawn that way on purpose. The other four run inside the system, from the one record you can open and check. the design
All fifteen steps · one picture

The whole of the design, in one look

You have now seen every step and every screen. This is all of it at once — what flows in, the one engine that holds it, and the four doors the filings leave through:

the bank — every account line invoices — in and out receipts and papers payroll — hours and wages your answers — when it asks KIRJAA — one system, one record work queue reads, matches, books — and writes down the rule questions for a person only what it cannot prove filings on their clocks prepared, sent, receipts kept the record every line opens to its why — kept ten years, never edited the gate: the permissions you granted · tracked Tax Authority Incomes Register Tax return service Company Register VAT · the 12th wages · payday + 5 the 6B · + 4 months accounts · + 8 months receipts come back and are kept in the record a drawing of the design · no connection to any authority exists today
If something a Finnish accounting month needs has no place in this picture, that is the most valuable thing you can tell us. the design

We already count about fifty-five smaller dated duties outside these fifteen steps — the prepayment cycle, the annual information returns, and more; those are on our list. true today The question is what is missing beyond them:

Question 12

Look at the big picture above. Is anything missing? Is there work in a Finnish accounting month that has no place in this drawing?

The last question

Would you try it?

You have now seen the whole design. What you cannot see is whether it works, because the number that would tell you does not exist: how often the system must stop and ask a person. Seven Finnish vendors publish how much they automate; not one was found to publish how often the automation is right, on the pages we checked. We will not invent that number. not measured

There is only one way to find it. Someone has to run this against a month of real, finished books — books where the right answer is already known — and count every place it was wrong. We found no published record of anyone having done it, on the pages we checked. It is the one thing we cannot do alone, and it is why we came to you rather than to another designer. A real month would test the belief itself: provable certainty — books nobody has to take on faith.

So the last question is the plainest one on the page — and a “no” with a reason is worth more to us than a polite yes:

Question 13 · the last one

Imagine Kirjaa was ready today — a real product, not a drawing. Would you run one month with it, next to your normal work, to see the difference with your own eyes?

When you have answered what you want to answer — press the button. Every answer above is gathered into one block and copied, ready to paste into a reply to us. Every question is optional, and a skipped one is also an answer. Nothing is sent anywhere by itself, and nothing you type leaves your computer until you paste it. Thank you — every answer you share makes this design better.

Or send your answers straight from here

Press “Gather my answers” above first — the block is then already copied. Click the message box, paste, add your email, and send. It reaches the same people a reply would — and nothing is sent until you press send.