--- title: Streamline Accounting Processes | Efficient Solutions with Kirjaa description: Explore Kirjaa, an innovative accounting system that simplifies bookkeeping by automating tasks while ensuring verifiable accuracy and expert insights for your accounting firm. --- [FI](https://kirjaa.fi/your-expertise)/EN KIRJAA. Before our paid hour together # How you work today — and how Kirjaa would do it Kirjaa is a bookkeeping system for accounting firms. Nothing is built yet — this page is the design, drawn next to how you work today. the design It does the routine booking your program already does. **These two would be different.** TODAY WITH KIRJAA 1   Bringing a client in their oldprogram days emails, calls, by hand your desk their oldprogram about an hour a reader per program your desk 2   The year’s filings your program the books,the month which of these your program already sends — question 7 the VAT return the wage report the tax return the register filing ONE SYSTEM — IT FILES THROUGH ALL FOUR the VAT return the wage report the tax return the register filing **Nothing here is built, and neither row is measured.** **Your program already sends the VAT return in a click or two; what the biggest program’s own cross-client list was found lacking is the company tax return, the wage report and the register filing.** The hour is a promise, not a timing — the today side is drawn from the research, the Kirjaa side from the design. the design **There is a third thing, and this page is deliberately not selling it to you:** every line Kirjaa books also carries the rule it was booked by, for whoever did not write it. It is built from the first day and it sits underneath, not on the front. And when the system cannot prove an answer it still stops and asks you. You sign off the month, and you press send. **We are paying for your judgement, not your approval.** Tell us where the drawing is wrong — which step does not happen this way at your firm, and what would break it first. The first row above is the one we would stake the product on, and [question 2](https://kirjaa.fi/en/your-expertise#q-move) is where you can knock it down. And one question above all — [question 6](https://kirjaa.fi/en/your-expertise#ask-sign), at step 7: when the system has booked the month and you touched nothing, what would you need to see before you sign? [Start here — walk the product ↓](https://kirjaa.fi/en/your-expertise#drawings) The product · the simulation · seventeen screens ## This is Kirjaa — walk it yourself Two drawings, then seventeen screens, today on the left and Kirjaa on the right; 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 The counts on the Kirjaa side are drawn, not measured. not measured YOUR DESK TODAY — MOST OF IT INSIDE ONE PROGRAM INSIDE THE ONE PROGRAM, ON A MODERN DESK core ledger — the books: every account, every entry receipt capture — receipts, photographed or emailed, read into lines invoice transport — e-invoices in and out, through an operator the bank connection — bank lines arrive; payments go out payroll — wages, payslips, the wage reports payment settlements — by hand today — a provider’s lump, taken apart AI assistance — in the core today — the assistant inside the ledger BESIDE IT — SEPARATE ON MOST DESKS, INSIDE ON SOME material chasing — asking the client for what is missing; inside on some programs knowledge service — where you look up a rule: vero.fi, a paid guide signing & identity — strong login and e-signatures firm admin — your own clients, mandates, hours, billing OUTSIDE, ON EVERY DESK email — the chase lives here — where the client’s answers arrive portal · Tax Authority (Vero) — OmaVero: VAT returns and the 6B portal · Incomes Register — wage reports and the employer’s report portal · tax return file service — Ilmoitin.fi, the route for the 6B portal · Company Register (PRH) — where the accounts are published a drawing of the design · nothing is built · invented sample the client’s link one link a month: their papers, their answers to its questions takes in: material chasing · email · receipt capture the work queue reads what arrives, books what it can prove — the rule on every line takes in: AI · the bank · invoice transport · settlements · payroll questions to the client, for a fact it lacks · to you, only what only you can decide takes in: the judgement calls that were yours the rules what it books by, named on each line · vero.fi behind them takes in: knowledge service filings prepared from the record · sent on your click, never by themselves reaches: OmaVero · Incomes Register · Ilmoitin.fi · PRH the record every line opens to its rule · ten years · leaves with the client, whole takes in: core ledger your firm clients, mandates and their end dates, hours, billing takes in: firm admin not replaced: the client’s own signature — theirs, by law the four portals — reached through the gate, on your click **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. true today Two of the eleven are no longer separate boxes — the AI assistance sits inside the core, and payment settlements — a provider’s lump, from Wolt or Stripe — are taken apart by hand in almost every system; a paid invoice matching by its reference is the ledger’s own work. They stay named so you can correct the list. On a modern desk one program already holds most of these; what stays outside it is email, the chase and the four portals — and that is where this drawing’s gain is. If your desk runs something this drawing misses, that is exactly what we want to hear. What Kirjaa believes “A machine that does the books must show why it booked every line.” In Kirjaa every line carries the rule it was booked by — for whoever did not write it. Open any line and check it. It is built from the first day; what this page leads with is the drawing at the top. TODAY · YOU BOOK BY HANDA MACHINE BOOKS · NO RULE ON THE LINEKIRJAA · THE RULE ON EVERY LINE you why: in your head you know why — you were there A MACHINE ?you touched none of them your rule sits in a table; the line shows nothing where it decided alone: no rule at all KIRJAA every line · the rule it was booked by open any line and check it — in 2035 as today WHO READS THE RULE ON THE LINE youcheck a sample, sign the month the next accountantreads the rule — no need to ask you your clientsees why; asked for nothing more the inspector, in 2035the line answers — not your memory WHAT STANDS ON IT capacityyou stand behind work you did not do — so you can say yes to the next client the guarantee — for your clienta wrong line says whose it was; if ours, we pay their penalty, never the tax the design · how often it would be wrong: not measured — no figure found on the pages we checked, and we will not invent one Without the rule on the line, you can check the machine’s totals afterwards, but not what it did on any one line. That is what [question 6](https://kirjaa.fi/en/your-expertise#ask-sign) asks you about. TODAY · YOU BOOK BY HANDA MACHINE BOOKS · NO RULE ON THE LINEKIRJAA · THE RULE ON EVERY LINE €1,190 · laptop · this year’s cost note: empty — unless you wrote onethe reason is you — ask, while you are there the same line today €1,190 · laptop · this year’s cost why: a rule in a table, if you taught onedecided alone: no rule — just the number? the same line, booked by a machine €1,190 · laptop · this year’s cost rule: small purchase, under the limitfrom the invoice · decided by the system · 15 Sep 2026written for whoever did not write it the same line, opened — check it, in 2035 as today “You should never have to turn down a good client.” 1 · The whole window 2 · New client 3 · Permissions 4 · The move 5 · Set-up 6 · The reminders 7 · The payout 8 · Payroll 9 · Judgement 10 · VAT 11 · The report 12 · Year-end 13 · Sign 14 · Tax return 15 · The meeting 16 · Publish 17 · The record 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 What this step costs you today: **● 5 by hand** · 3 logins before the first booking · the same facts kept in ≈11 places · on a rule-engine desk most of this sits inside one program; email and the four portals stay outside With Kirjaa · the design KIRJAA. Today Questions 3 Filings Clients Record Tilitoimisto Taival · Tue 15 Sep 2026 · invented sample Today across your clients: 38 items booked themselves 3 questions for you 3 filings on their deadlines 0 overdue Your clients · 12 Kide Oy1 QUESTION 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 Wolt payout · €6,826.55 — 412 orders · Wolt’s commission · refundsSPLIT · €0.00 Card receipt · VR · €47.90 — booked, rule written downBOOKED Laptop · €1,190 — under the small-purchase limit: this year's cost, rule written downBOOKED + 35 more this morningNO ONE TOUCHED IT Questions · the few for you Invoice · Nordic Lift Oy · €1,480.00 — a first invoice from a new sender: did you order this? · asked Kide Oy · shown to you before it is paidSHOWN TO YOU Meal receipt €86.00 — who was there? asked Kide Oy, not youWAITING ON THE CLIENT It will not guess — it asks the client for facts, and you for what only you can decideTHE RULE **The whole product, in one window** — the work queue booking itself, the few questions for you, filings on their deadlines, and the record. The next sixteen screens walk it step by step. Use the buttons: forward, back, or jump anywhere. Today · drawn from the research ● ● ●your desk · todayTilitoimisto Taival · invented sample ledgerreceiptsinvoicesbankpayrollchasesheetssignadminemailsuomi.fiomaveroincomes reg.ilmoitinprh On the screen in front of you email · to the new client You:Welcome! Please send: the trade register extract, the owners, their IDs…Mon You:A reminder — the IDs are still missingFri Trade register extractreceived Owners & IDswaiting What your hands do 1emailask the client for the papers … days — half of them arrive 2emailremind — the IDs are still missing 3the checkcheck who the customer is — the law says you must, in both worlds 4a folderput the record somewhere — wherever it went that year What this step costs you today: **● 4 by hand** · the proof of the check lives in a folder With Kirjaa · the design KIRJAA. TodayQuestionsFilingsClientsRecord adding a client · invented sample Your clients · 12 + Kide OyADDING Norppa OyCURRENT Routa OyCURRENT + 9 moreALL CURRENT 1Identity2Permissions3Connections Add a client — who they areContinue → The client’s details — entered once, kept Business ID 1234567-8 Company Kide Oy Address Kirjatie 2, 02100 Espoo Owners and signatories recorded — for your check Know your customer YOURS, BY LAW I have completed the customer checkRECORDED · 15 SEP 2026 · BY YOU **Step 1 — check who the customer is.** The law keeps this decision in your hands; Kirjaa keeps the client’s details and the record of your check in one place. Today · drawn from the research ● ● ●your desk · todayTilitoimisto Taival · invented sample ledgerreceiptsinvoicesbankpayrollchasesheetssignadminemailsuomi.fiomaveroincomes reg.ilmoitinprh On the screen in front of you suomi.fi · mandates (valtuudet) · Kide Oy → Tilitoimisto TaivalCLIENT ONLY Who grants it: the client, signed in to Suomi.fi as themselves — not you, not any programclient only To whom: your firm, by its business IDY-tunnus Which mandates: *Veroasioiden hoito* (tax matters) · *Palkkatietojen ilmoittaminen* (wage data) · more for the interface route3+ to pick How long: an end date the client sets — up to 25 years. It cannot be extended, only granted againend date Warning before it ends: only if the client has switched on Suomi.fi Messagessilent for many How you find out: nobody tells you — you open your firm’s “Received mandates” list in Suomi.fi, or you sent the request from there and see it turn validyou look Status todaynothing granted yet Costfree What your hands do 1suomi.fisend the mandate request from your firm’s Suomi.fi — someone with the firm’s representative right can — naming the mandates and our business ID 2the clientapproves it, signed in as themselves, and sets the end date; you see it turn valid in your firm’s “Received mandates” list 3a notewrite the end date down somewhere — a spreadsheet, a calendar, a head … years later — the end date passes, unnoticed a filingone day it just fails: the mandate has run out, the route was dead — ask the client to grant it again, from the startSILENT What this step costs you today: **● 3 by hand, once** · small, at the start · an end date kept in a head · a route that dies with no warning With Kirjaa · the design KIRJAA. TodayQuestionsFilingsClientsRecord Kide Oy · permissions · invented sample What your firm sees What the client sees Your clients · 12 Kide OyADDING 2/3 Norppa OyCURRENT Routa OyCURRENT + 9 moreALL CURRENT 1Identity2Permissions3Connections Permissions — Kide Oy | Filing route | Status | Granted | Renewal | | --- | --- | --- | --- | | Tax matters (Veroasioiden hoito) | GRANTED | 15 Sep 2026 | watched | | Wage data (Palkkatietojen ilmoittaminen) | GRANTED | 15 Sep 2026 | watched | | Interface use | GRANTED | 15 Sep 2026 | watched | Every grant is a record with its expiry date — watched, and you are warned before anything lapses. Which channel each grant uses — a Suomi.fi mandate or the tax authority’s certificate — is our open question. our open question **Tilitoimisto Taival** asks permission to handle filings for **Kide Oy**. It names each grant this engagement needs: tax matters · wage data · the interface route. Continue to Suomi.fi → You approve in Suomi.fi, signed in as yourself. Nobody can do this for you — not your accountant, and not Kirjaa. Kirjaa prepares the request and names every grant, then sees the result come back and watches every expiry date. the design Suomi.fi’s interface can tell an admitted organisation, client by client, which mandates the firm holds; whether Kirjaa is admitted is our open question. our open question **The granting itself happens in Suomi.fi, by the client alone, in their own session** — the one act on this whole page that nobody can do for the client. true today **Step 2 — get the permissions.** Switch the view: one request that names every grant for them, and a watched set of expiry dates for you. No filing route dies silently. **The grant is still made in Suomi.fi, by the client**; what changes is that nothing after it is chased or forgotten. Today · drawn from the research ● ● ●your desk · todayTilitoimisto Taival · invented sample ledgerreceiptsinvoicesbankpayrollchasesheetssignadminemailsuomi.fiomaveroincomes reg.ilmoitinprh On the screen in front of you a client moving in · today Ask whoever kept the books for the material — by email, and chase itdays The same software as yours — it is easyeasy A different program — calls and emails until it is righta few days Last year’s closing figures — what you need to continuea page of numbers Older years — only if the client wants theman importer, or a project What your hands do 1emailask whoever kept the books for the export, and chase it 2the old systemtake what comes, in whatever shape it comes 3by handline their accounts up against yours What this step costs you today: **● 3 by hand** · a few days when the programs differ · easy when they are the same With Kirjaa · the design KIRJAA. TodayQuestionsFilingsClientsRecord Kide Oy · the move · invented sample Your clients · 12 Kide OyMOVING IN Norppa OyCURRENT Routa OyCURRENT + 9 moreALL CURRENT Kide Oy — six years in another program The export READ IN one reader per old program — each exports in its own shape The hour holds for the programs Kirjaa can read. For any other: last year’s numbers, typed once, and continue from there. the design What it takes to continue LAST YEAR’S CLOSING FIGURES, AND THE BANK That is a page of numbers. Everything older comes across too, but nothing older is needed to start. the design The chart of accounts YOU CONFIRM Matched by what each account is called and what it was used for — **no standard Finnish code set was found on the pages we checked**, so it cannot be matched by number. You see the proposal and change it. the design The archive COMES TOO Ten years of the accounts and the lists, six years of the vouchers. **Nobody reads it; it has to survive.** And it leaves with the client, whole and machine-readable, if they ever leave us. the design Done WITHIN THE HOUR On the first move, a person from Kirjaa is on the call with you. the design **Step 3, part one — the move from the old system.** This is the row we would stake the product on, and [question 2](https://kirjaa.fi/en/your-expertise#q-move) is where you can knock it down. **Nothing is built: the hour is a promise, not a timing.** Today · drawn from the research ● ● ●your desk · todayTilitoimisto Taival · invented sample ledgerreceiptsinvoicesbankpayrollchasesheetssignadminemailsuomi.fiomaveroincomes reg.ilmoitinprh On the screen in front of you set-up · small today E-invoice address — opens with the softwareby itself Bank agreement — a filled-in template, sent to the bankone task Last year's numbers — from the old system's backupbrought over More years — only if the client wants theman importer What your hands do the softwarethe e-invoice address opens by itself 1the bankfill in the template, send it — one manual task 2the old systemtake the backup; bring last year’s numbers, and continue from there … a bigger client wants more years — an importer, or a project What this step costs you today: **● 2 by hand** · set-up is small · the move is the work With Kirjaa · the design KIRJAA. TodayQuestionsFilingsClientsRecord Kide Oy · connections · invented sample Your clients · 12 Kide OyADDING 3/3 Norppa OyCURRENT Routa OyCURRENT + 9 moreALL CURRENT 1Identity2Permissions3Connections ConnectionsFinish setup E-invoice address CREATED Address 003712345678 Operator handled inside the system One signature from the client — someone who can represent the company confirms it, once, with strong identificationTHEIRS, ONCE Kirjaa contracts and pays the e-invoice operator; you never deal with it. the design The signature above is the client’s own and cannot be given for them. true today The bank YOUR CHOICE Live connection — the client signs for it once, by one of two routesAN OPEN CHOICE Statement handed over by the client — the simplest route, under about 200 bank movements a yearNOBODY HAS TO SAY YES Two live routes are possible — the bank’s own channel, or open banking through a licensed provider — and we have not chosen. The handed-over statement stays possible under either. Reading is all any route does by itself; a payment moves only when a person releases it. **You meet Kirjaa and never the bank channel** — except for the one signature that is the company’s own. our open choice **Step 3, part two — the bank and the e-invoice address.** Set-up is small today, and it stays small: the e-invoice address opens with the software and the bank is one template. **The work is the move, and that is the screen before this one.** Today · drawn from the research ● ● ●your desk · todayTilitoimisto Taival · invented sample ledgerreceiptsinvoicesbankpayrollchasesheetssignadminemailsuomi.fiomaveroincomes reg.ilmoitinprh On the screen in front of you email · inbox — Kide Oy · SeptemberTHE 10TH, OR THE DATE YOU AGREED · THEN THE 12TH You:September receipts, when you have a moment?1 Sep You:Re: September receipts — a reminder4 Sep You:What was this €240 payment for?6 Sep Material in: 4 of 10still chasing What your hands do bank · e-invoicesarrive by themselves — over nine in ten between businesses 1emailask for the month's receipts … 3 days — no reply 2emailremind 3emailask: what was this €240 payment for? … still nothing 4the phonecall — no answer, try again tomorrowTHE 12TH What this step costs you today: **● 4 by hand** · four asks · days of waiting · mostly unbilled With Kirjaa · the design KIRJAA. TodayQuestionsFilingsClientsRecord Kide Oy · September · invented sample Your clients · 12 Kide Oy2 MISSING Norppa OyCURRENT Routa OyCURRENT + 9 moreALL CURRENT The month’s link · SeptemberSee the link the client sees **10 of 12**dropped, read **1**reminder — on the agreed date **2**for you Still missing — shown to the client on the link 2 Card receipt · €47.90 · 14 Sep Sales report · September 20 Sep · the date you agreed · one reminderbefore the 12th · once more, if still missing Questions — on the same page ANSWERED THERE “What was this €240 payment for?” — parking, Kide Oy answered on the link; booked with the answer on the lineBOOKED “Is the 12 Sep taxi yours or the company's?”WAITING Drawn here: one link a month, sent in your firm’s name, and one reminder on the date you agreed. Whether it may write to your client at all, and through whom, is not decided — [question 4 asks you](https://kirjaa.fi/en/your-expertise#q-direct). Some clients want a human: per client, the link and its reminders can go through you instead. our open choice Dropped on the link READ Meal receipt · a photo from the client’s phone · €86.00 — read, matched to the card line; one question raised for youFOR YOU Supplier invoice · a PDF · €312.40 — read, matched, bookedBOOKED Bank statement · a PDF — they still send one · read, matched to the linesREAD **Step 4 — get the month's paperwork.** One link a month: the client drops, the system reads, you see only what is left. Some programs already show the client what is missing and book it to a clearing account; others do not. The link is level with the first and ahead of the second. The hard part is the reading — a photo, a PDF, a statement — and how well it reads is not measured. not measured Today · drawn from the research ● ● ●your desk · todayTilitoimisto Taival · invented sample ledgerreceiptsinvoicesbankpayrollchasesheetssignadminemailsuomi.fiomaveroincomes reg.ilmoitinprh On the screen in front of you wolt · payment report (maksuraportti) · Norppa Oy, a restaurant · september Where the money came from: 412 food orders sold through Wolt this month. Wolt took the customers’ money and pays the restaurant in one lumpone provider What the bank shows: one line from Wolt — no orders, no commission, no refunds on it6,826.55 What Wolt’s reports show: 412 orders sold9,870.40 Wolt’s commission, taken out before paying — on Wolt’s own invoice−2,961.12 Refunds to customers, taken out too−82.73 Left to explain? · by hand The same again for Stripe (card payments on a web shop) and for a marketplace — each pays one lump, and the breakdown is somewhere elseevery provider What your hands do 1woltdownload the month’s payment report and sales report, and find Wolt’s commission invoice 2a spreadsheetput the one lump from the bank next to the 412 orders 3a spreadsheettake out Wolt’s commission and the refunds 4by eyemake the pieces add up to zero — then the same again for Stripe, for the marketplace What this step costs you today: **● 4 by hand** · every provider — Wolt, Stripe, a marketplace · every month With Kirjaa · the design KIRJAA. TodayQuestionsFilingsClientsRecord Norppa Oy · September · invented sample Your clients · 12 Kide OyCURRENT Norppa OyPAYOUT Routa OyCURRENT + 9 moreALL CURRENT Wolt payout €6,826.55 — openedOpen bank line Wolt’s payout report · September READ Dropped on the month’s link by Norppa Oy — or fetched from Wolt, if the client connects it. The split below is read from it, not guessed from the bank lineTHE SOURCE No report yet? The line waits, and the link shows the client what is missingIF MISSING | Description | Count | Amount | | --- | --- | --- | | Orders sold on Wolt | 412 | +9,870.40 | | Wolt’s commission | | −2,961.12 | | Refunds | 3 | −82.73 | | Difference remaining | | €0.00 | 412 of 412 orders matched **Step 4b — split the payout.** Wolt, Stripe, a marketplace: each pays your client one lump, and the orders, the commission and the refunds behind it sit in the provider’s own reports. Kirjaa takes the lump apart into those real parts, to zero, every provider, every month — and every part can be checked. It can only do so from the provider’s own report, which the client drops on the month’s link or connects; without it, the line waits. Today · drawn from the research ● ● ●your desk · todayTilitoimisto Taival · invented sample ledgerreceiptsinvoicesbankpayrollchasesheetssignadminemailsuomi.fiomaveroincomes reg.ilmoitinprh On the screen in front of you your payroll program · Routa Oy · September · 2 employees · payday Tue 15 SepDAY 5 IS A SUNDAY → MONDAY 131415·pay161718192021 What arrives from the client: the hours and the changes — due 5 working days before the run under the standard contract, and late anywayby email Tax cards: fetched from the tax authority once a year, December to mid-February; an employee with no current card from 1 February is withheld at 60 %once a year A. Koski: gross 3,240.00 − withholding per the tax card 573.52 − pension 7.30 % 236.52 − unemployment insurance 0.89 % 28.84net 2,401.12 M. Salo: gross 2,980.00, the same three deductionsnet 2,228.75 A payslip to each employee on payday — a legal duty every payday · the net pay to the bank for the 15th2 + 2 The wage report, one per employee, to the Incomes Register within 5 days of payday — weekends count; day 5 is Sunday 20 Sep, so Monday 21 Sep. The program sends it under your firm’s certificate, which lasts two yearspayday + 5 The employer’s separate report by 5 October — every month if you are registered as a regular employer, even a month with no wages5th of next month Then the client’s own bills, computed from what you reported (2026 rates): pension 24.85 % of wages, 1,545.67, invoiced by the pension company from the Incomes Register data; unemployment insurance 0.31 %, invoiced four times a year, 21 days to pay; the accident insurer fetches the wages itself3 insurers A day late: €3 a day, up to €135; after 45 days, 1 % of the amount on toplate fee What your hands do 1emailchase the client for the hours and the changes — due 5 working days before the run; they come on the day 2payrollcheck the two tax cards · enter the hours · run gross to net · read both payslips 3payrollsend the net pay to the bank for the 15th 4incomes reg.the program sends both wage reports under the firm’s certificate; wait five minutes, fetch the processing feedback, correct whatever it rejects 5your headcount 5 days from payday, weekends included; day 5 is a Sunday, so Monday — for every clientPAYDAY + 5 6incomes reg.by 5 October: the employer’s separate report — and again every month, wages or not … weeks later the clientforwards the pension company’s invoice, computed from the wages you reported, and asks whether it is rightEVERY MONTH What this step costs you today: **● 6 by hand** · 2 logins · a deadline counted in a head · three insurers billing from your numbers With Kirjaa · the design KIRJAA. TodayQuestionsFilingsClientsRecord Routa Oy · payroll · invented sample Your clients · 12 Kide OyCURRENT Norppa OyCURRENT Routa OyPAYROLL + 9 moreALL CURRENT Payroll — SeptemberApprove run Hours and changes for September — from Routa Oy, dropped on the month’s linkIN | Employee | Gross | Net | Status | | --- | --- | --- | --- | | A. Koski | 3,240.00 | 2,401.12 | READY | | M. Salo | 2,980.00 | 2,228.75 | READY | Net wages — payment prepared; you release itYOURS Incomes Register report SENT AT PAYMENT sent when the wages went out · the law allows 5 days · receipt kept — as your program does today **Step 5 — payroll.** The report reaches the Incomes Register when the wages go out — as your program already does. Kirjaa adds nothing here yet; what it adds is the record every payslip and report sits in. Payroll’s real headache is elsewhere — and this page does not yet know where. Today · drawn from the research ● ● ●your desk · todayTilitoimisto Taival · invented sample ledgerreceiptsinvoicesbankpayrollchasesheetssignadminemailsuomi.fiomaveroincomes reg.ilmoitinprh On the screen in front of you your ledger — e.g. Netvisor · Procountor Laptop · €1,190 — the program suggests: this year's costconfirm? confirmeditnote — optional, yours Meal · €86 — the program suggests: representationconfirm? confirmeditnote — who was there? if it matters What your hands do the ledgerit suggests an account for each line 1youthe laptop: confirm — the account says why; nobody writes it down 2youthe meal: ask the client who was there, or decide — and a note, if it matters 3the ledgerpress confirm What this step costs you today: **● 3 by hand** · the reason is you — and a note when you choose With Kirjaa · the design KIRJAA. TodayQuestions 1FilingsClientsRecord Kide Oy · questions · invented sample Your clients · 12 Kide Oy1 QUESTION Norppa OyCURRENT Routa OyCURRENT + 9 moreALL CURRENT Questions — 1 openit books what it can prove; it asks the client for facts; this one is shown to you Booked by the system · Kide Oy · 15 Sep NOT FOR YOU Laptop €1,190 — this year's cost · rule: small purchase, under the limit · from the invoice · decided by the systemBOOKED Asked of your client · Kide Oy · 15 Sep NOT FOR YOU Meal receipt €86.00 — who was there, and what for? · sent to Kide Oy · it books the line with their answer on itWAITING ON THE CLIENT Shown to you · Kide Oy · 15 Sep THE CLIENT WAS ASKED — TRY IT Invoice · Nordic Lift Oy · €1,480 — a first invoice from a new sender. Kide Oy was asked “did you order this?” and said yes. Before it is paid, it is shown to you. Let it book — their yes is on the line Hold it — I want a look before it is paid **Noted in your name — 15 Sep 2026.** . Their answer and yours are on the line with the rule, kept ten years, never edited. [undo · try the other answer](https://kirjaa.fi/en/your-expertise#sim-9) **Step 6 — decide what every item is.** It reads each item more than once, separately; when the readings agree it books and writes down the rule; when they do not, it asks the client for the fact, or you for what only you can decide. The judgement stays yours — and the machine’s lines show their work. Today · drawn from the research ● ● ●your desk · todayTilitoimisto Taival · invented sample ledgerreceiptsinvoicesbankpayrollchasesheetssignadminemailsuomi.fiomaveroincomes reg.ilmoitinprh On the screen in front of you your program, or OmaVero · the VAT returnTHE 12TH · NO EXTENSIONS VAT on sales1,921.44 from the ledger, or typed VAT on purchases804.60 from the ledger, or typed To pay1,116.84 checked by eye submit What your hands do 1the ledgerlog in · read the month's VAT numbers 2papercopy them down 3OmaVerolog in — the second login 4OmaVerotype the same numbers, again 5by eyecheck them against the books 6OmaVeropress submitTHE 12TH · NO EXTENSIONS What this step costs you today: **● 6 by hand** · 2 logins · the same numbers handled three times · the 12th to remember With Kirjaa · the design KIRJAA. TodayQuestionsFilingsClientsRecord Kide Oy · VAT · invented sample Your clients · 12 Kide OyACTIVE Norppa OyCURRENT Routa OyCURRENT + 9 moreALL CURRENT Filings — VATOpen July return JulyAugustSeptember Before you sign · August A PROPOSAL — QUESTION 6 ASKS WHAT YOU WOULD NEED **€1,116.84**VAT to pay · August **€1,204.10**July · beside it **3**lines to open first 1 · Open these first — the lines it is least sure of 3 Invoice · Nordic Lift Oy · €1,480 — first from a new sender · Kide Oy said they ordered itYOU LET IT BOOK Meal · €86 — client dinnerFROM KIDE OY’S ANSWER Bank line · €2,400 in · no invoice — booked as a saleCHECK 2 · Still open on the 12th — it asks 1 · YOUR CALL Card receipt · 14 Sep — not on the link yetWAITING file now · clearing accountor hold the month 3 · The biggest items, and anything unusual 6 · LISTED, NOT HIDDEN 312 lines booked by rule, none touched — folded; the rule on each, one click deeper If a receipt comes after the 12th CORRECTED, NOT EDITED small · into next monthlarger · the month filed againoriginal + correction, both on the record Sign off August — when the odd lines are cleared, not after reading the monthYOURS | Period | Prepared | Filed | Receipt | | --- | --- | --- | --- | | July | FROM THE RECORD | 14 Sep — the 12th was a Saturday | STORED | | August | building — 68% | — | — | | September | collecting | — | — | Press send — after the sign-off; nothing sends itselfYOURS The tax itself is paid by the client; Kirjaa shows the sum and the day. If the authority rejects a filing, it comes back, is corrected, and is re-sent — nothing re-typed. Whether the original deadline still holds after a rejection is not settled yet; we will ask the authority. our open question **Step 7 — file and pay the VAT.** Built from the same record; you sign off the month and press send — nothing sends itself; the authority’s receipt is kept as proof. What you see before you sign — the totals against last month, the lines it is least sure of, the big and the odd, what is still waiting on the client, the rest folded with its rule one click deeper — is our proposal; [question 6](https://kirjaa.fi/en/your-expertise#ask-sign) asks what you would need. An item still open on the 12th is your call: the system counts what is open and asks you on the day — file now and book it to the clearing account, cleared when the paper arrives next month, or hold. A purchase-side item can wait; a sales-side item cannot. A late receipt goes into next month, or the month is filed again; the correction stays on the record beside the original. Today · drawn from the research ● ● ●your desk · todayTilitoimisto Taival · invented sample ledgerreceiptsinvoicesbankpayrollchasesheetssignadminemailsuomi.fiomaveroincomes reg.ilmoitinprh On the screen in front of you email · the month report to Kide Oy The three reports — VAT, balance sheet, income statementfrom the program The story around them, from the ledger + the bank + the month's emailby hand What your hands do 1the ledgerpull the month's numbers 2the bankpull the balances 3emailre-read what was asked and answered 4a messagewrite the report — put together by hand What this step costs you today: **● 4 by hand** · the three reports from the program, the story by hand · the part hardest to charge for With Kirjaa · the design KIRJAA. TodayQuestionsFilingsClientsRecord Kide Oy · month report · invented sample Your clients · 12 Kide OyACTIVE Norppa OyCURRENT Routa OyCURRENT + 9 moreALL CURRENT Month report — SeptemberSend to client September 2026 — Kide Oy Came in€18,420.00 Went out€12,973.55 Asked and answered7 FiledVAT July · receipt stored The figures your own invoice rests onFROM THE LEDGER Your note to the client YOURS *Margins improved again — worth discussing the van lease before the year-end…* **Step 8 — report back, and bill.** The three standard reports your program already makes. What is new is the record of what was asked and answered — and your note. Today · drawn from the research ● ● ●your desk · todayTilitoimisto Taival · invented sample ledgerreceiptsinvoicesbankpayrollchasesheetssignadminemailsuomi.fiomaveroincomes reg.ilmoitinprh On the screen in front of you the year-end list · spring4 STATUTORY MONTHS Put each cost into its right yearto do Depreciation — spread big purchases over yearsto do Stock count — ask the client, wait, checkto do Unused holiday payto do The occupational-health claimto do Done0 of 5 What your hands do 1the ledgerput each cost into its right year 2the ledgerbook the depreciation 3emailask the client to count the stock … the client counts 4the ledgeradd the unused holiday pay 5by eyecheck every figure against something real4 STATUTORY MONTHS What this step costs you today: **● 5 by hand** · weeks of it, every spring With Kirjaa · the design KIRJAA. TodayQuestionsFilingsClientsRecord Kide Oy · year-end 2026 · invented sample Your clients · 12 Kide OyYEAR-END Norppa OyCURRENT Routa OyCURRENT + 9 moreALL CURRENT Year-end 20264 of 7 completeOpen review every month was finished as the year ran Costs in their right years — carried month by month, all yearALREADY DONE Depreciation — booked as it ranALREADY DONE Unused holiday pay — accrued month by monthALREADY DONE Stock count — asked of the client, on the month’s linkWAITING Missed, or still waiting — flagged before you review: “check this”FLAGGED A December invoice arriving in January — put in its year, by youYOURS Where the books and the tax rules differ — the questions that take real time, with what each rests on beside themYOURS Every figure agrees with the recordCHECKED Nothing left to rebuild — the stock count, the cut-off and the questions where book and tax differ wait for you; then review it, and stand behind it. **Step 9 — close the books.** No spring rebuild: every figure already agrees with the record. What waits for you is the stock count, a December invoice arriving in January, and the questions where the books and the tax rules differ — and then the close is your review of a finished thing. Some firms work this way already; others say year-end is where expertise steps in, and the flat ground is only as flat as the checklist. Today · drawn from the research ● ● ●your desk · todayTilitoimisto Taival · invented sample ledgerreceiptsinvoicesbankpayrollchasesheetssignadminemailsuomi.fiomaveroincomes reg.ilmoitinprh On the screen in front of you the accounts · Kide Oy · tilinpäätös 2026 · ready to signYEAR-END + 4 MONTHS What the board is signing: the balance sheet, the income statement and the notes — and, beside them, the list of the books and records the law requires4 documents When: drawn up within 4 months of the year-end. The client’s year-end material was due 30 days after the year-end under the standard contract — it came in month threeby law Once the accounts are drawn up, nothing in the books may be changed or deleted any morelocked Who signs: the board — nobody can sign for them. On paper, or in a signing tool: built into some programs, a per-signature fee in otherschair + member The auditor question, three limits: balance sheet €100,000 · turnover €200,000 · more than 3 staff on average. No auditor only if at most ONE was passed — this year and last. Not “under all three”, not “two of three”at most one Kide Oy: balance sheet 86,400 · turnover 231,000 · 2 staff — one limit passed, both years → no auditor. Two passed, and the close costs more: one firm’s 2026 list charges €315 for the close and the tax return, €495 auditedno auditor What waits on the signature: the tax return on the same 4-month clock · the owners’ meeting within 6 months · the register filing within 8 months3 clocks chair of the board board member What your hands do 1the ledgerclose the year and draw up the accounts — within 4 months of the year-end 2on paperprint the accounts and the list of the books and records for the board 3the rulecheck the three limits for both years — at most one passed, both years, means no auditor 4the boardsigns — nobody can sign for them; on paper, or in a signing tool 5emailchase the signatures — the tax return runs on the same 4-month clockYEAR-END + 4 What this step costs you today: **● 4 by hand** · the board’s signature, by law — the same in both worlds · an auditor, if one limit too many With Kirjaa · the design KIRJAA. TodayQuestionsFilingsClientsRecord Kide Oy · the accounts · invented sample Your clients · 12 Kide OyACTIVE Norppa OyCURRENT Routa OyCURRENT + 9 moreALL CURRENT Annual accounts 2026 — finalOpen the accounts Tilinpäätös 2026 — Kide Oy Balance sheetFINAL Income statementFINAL NotesFINAL Signatures THEIRS, BY LAW Chair of the board — signs here — Board member — signs here — **Step 10 — sign.** Kirjaa prepares; the signature is, and stays, the board's. No one can sign for them. Today · drawn from the research ● ● ●your desk · todayTilitoimisto Taival · invented sample ledgerreceiptsinvoicesbankpayrollchasesheetssignadminemailsuomi.fiomaveroincomes reg.ilmoitinprh On the screen in front of you Ilmoitin.fi · file delivery+ 4 MONTHS File: the company’s tax return (form 6B) — built by the program from the closed yearattached send What your hands do 1the ledgeropen the tax return (form 6B) the program built from the closed year 2Ilmoitin.filog in — the old login 3Ilmoitin.fiupload the file and send it+ 4 MONTHS What this step costs you today: **● 3 clicks** · sent by hand from work the program already built With Kirjaa · the design KIRJAA. TodayQuestionsFilingsClientsRecord Kide Oy · 6B · 2026 · invented sample Your clients · 12 Kide OyACTIVE Norppa OyCURRENT Routa OyCURRENT + 9 moreALL CURRENT Tax return 6B — 2026built, nothing re-typedSend What the return is made of | Part | Where it comes from | Status | | --- | --- | --- | | Income and costs | the year, closed month by month as it ran | FROM THE RECORD | | Adjustments where book and tax differ · 3 | decided by you at year-end · the reason on each | YOURS · DONE | | The signed accounts | attached to the return | ATTACHED | Press send — to the tax office, through the file service (Ilmoitin.fi)YOURS Receipt kept — and the attached accounts go on to the Company Register in the same sendAFTER THE SEND Nothing rebuilt in spring. The four-month clock — met. **Step 11 — the company's tax return.** Built from a year closed as it ran, with the adjustments you decided where book and tax differ; you press send; the receipt is kept. Today · drawn from the research ● ● ●your desk · todayTilitoimisto Taival · invented sample ledgerreceiptsinvoicesbankpayrollchasesheetssignadminemailsuomi.fiomaveroincomes reg.ilmoitinprh On the screen in front of you the shareholders’ meeting · Kide Oy · away from the deskYEAR-END + 6 MONTHS When: within 6 months of the year-end — the law’s clock, two months after the accounts were dueby law What the owners decide, by law: adopt the accounts · the use of the profit — the dividend · release the board from liability · appoint the board and the auditor, and their paytheirs The dividend is a decision with a test: no payout if the company is insolvent, or if the payout would make it sosolvency test What the meeting starts: the dividend counts as available on the meeting day unless another date is set · withholding 7.5 % (28 % above €150,000 per recipient) · the return and the payment by the 12th of the next month · the annual return by 31 January3 dates The minutes: written by somebody, often you, and kept — a tax audit’s list of material includes the board’s minuteskept where? And the adopted accounts go to the company register within 8 months of the year-end — the next screen8 months What your hands do 1emailsend the owners the signed accounts and a draft agenda — the law’s four decisions 2the meetingthe owners meet, away from your desk: adopt, decide the dividend, release the board, appoint the board 3by handcheck the dividend is allowed — the company must be solvent after paying it 4a documentthe minutes — written, and kept with the year’s papers 5form 92the dividend’s withholding: the return and the payment by the 12th of the month after it became available; the annual return by 31 JanuaryTHE 12TH What this step costs you today: theirs, by law — the same in both worlds · **● 4 by hand** around it · three dates that start on the meeting day With Kirjaa · the design KIRJAA. TodayQuestionsFilingsClientsRecord Kide Oy · shareholders' meeting · invented sample Your clients · 12 Kide OyACTIVE Norppa OyCURRENT Routa OyCURRENT + 9 moreALL CURRENT Shareholders' meetingOpen the pack Shareholders' meeting — Kide Oy · 2026 1 · Adopt the accountsTHE OWNERS' 2 · Decide the dividendTHE OWNERS' 3 · Release the board from liabilityTHE OWNERS' 4 · Appoint the board and the auditorTHE OWNERS' What the owners decided — booked, and kept with everything elseBOOKED **Step 12 — the shareholders' meeting.** Theirs, by law. What they decide is booked, and the record keeps it. Today · drawn from the research ● ● ●your desk · todayTilitoimisto Taival · invented sample ledgerreceiptsinvoicesbankpayrollchasesheetssignadminemailsuomi.fiomaveroincomes reg.ilmoitinprh On the screen in front of you PRH · the company register+ 8 MONTHS Route — electronic for nearly everyone since 2026from the program, a couple of clicks Attachment — the signed accountsattached file it What your hands do 1the registerpick the filing route 2the registerattach the signed accounts 3the registerfile them — a couple of clicks+ 8 MONTHS What this step costs you today: **● 3 clicks** · the year’s last filing, sent from the program With Kirjaa · the design KIRJAA. TodayQuestionsFilingsClientsRecord Kide Oy · publish · invented sample Your clients · 12 Kide OyACTIVE Norppa OyCURRENT Routa OyCURRENT + 9 moreALL CURRENT Publish — the Company Registerthe signed accounts · 2026Open the filing How the accounts get there | Route | What happens | Status | | --- | --- | --- | | With the tax return | attached to the 6B · the tax office forwards them · one send | THE ROUTE DRAWN | | The register’s own door | a direct connection · few programs have it | THE ALTERNATIVE | Press send — onceYOURS Received by the tax office and the register · receipt keptAFTER THE SEND The eight-month clock — met. Which door Kirjaa uses is not decided. our open choice **Step 13 — publish the accounts.** Public, electronic, on time — with the tax return in one send, or through the register’s own door; from the same record, receipt kept. Today · drawn from the research ● ● ●your desk · todayTilitoimisto Taival · invented sample ledgerreceiptsinvoicesbankpayrollchasesheetssignadminemailsuomi.fiomaveroincomes reg.ilmoitinprh On the screen in front of you the program’s archive this year and lastold exports the program before · PDFs, CSVpaper older years search · every archive · try it Search The entry — €1,190, booked as a costfound The reason it was booked that waya note, if someone wrote one — else the person, who left What your hands do 1the archivesearch — this year and last are here, linked, while the client stays 2old exportsthe years from the program before — PDFs and CSV, paid for on the way out; the links did not come with them 3the bindersopen — the paper years 4a colleagueask for the reason — if nobody wrote a note, and they are still here What this step costs you today: the entry: found · the reason: a note, if written · the links: lost at every change of program With Kirjaa · the design KIRJAA. TodayQuestionsFilingsClientsRecord Kide Oy · the record · invented sample Your clients · 12 Kide OyACTIVE Norppa OyCURRENT Routa OyCURRENT + 9 moreALL CURRENT The recordten years · never edited Search Try it: search for the laptop. The same search runs on the today side, on the left. | Date | Line | Amount | Booked as | | --- | --- | --- | --- | | 15 Sep 2026 | Laptop | 1,190.00 | THIS YEAR'S COST | Why The small-item rule: under the limit, so this year's cost. From the invoice line. Decided by the system, 15 Sep 2026 — nobody touched it. Unchanged since the day it was booked. No line in this drawn sample matches. Try “laptop”. One line, opened — everything a record carries INVENTED SAMPLE | Field | This line | Who wrote it | | --- | --- | --- | | The line | 15 Sep 2026 · Laptop · €1,190.00 · Verkkokauppa.com Oy | THE SYSTEM | | Booked as | this year’s cost · small equipment · VAT deducted | THE SYSTEM | | The rule | small purchase, under the limit → a cost, not an asset | THE SYSTEM | | It rested on | invoice 2026-118, line 1 · the bank line of 13 Sep, −1,190.00 · no question needed | THE SYSTEM | | Decided by | the system · 15 Sep 2026, 09:12 · nobody touched it | THE SYSTEM | | The client’s answer | none asked · *on a meal it would read: “client dinner, Norppa Oy, two people” — Kide Oy, 16 Sep, on the link* | THE CLIENT | | Linked to | the invoice PDF, read on the link 14 Sep · the bank line · the VAT return for September · the annual accounts 2026 | THE SYSTEM | | Signed off | with the month · by you · 3 Oct 2026 | YOU | | Corrections | none · *a correction would sit beside this line, dated, with its own reason; this line would stay* | NEVER EDITED | | Kept | the line until 2036 · the invoice until 2032 · sealed, so a change would show | THE SYSTEM | | Leaves with the client | in this shape, every field, machine-readable · for nothing | THE DESIGN | If the client leaves THE RECORD GOES WITH THEM The whole record — every line, every receipt, every link — machine-readable, for nothingWHOLE Their copy meets their duty to keep the books — ten years, six for the receiptsTHEIRS, BY LAW **Step 14 — keep everything, linked, for ten years — and hand it over whole when the client leaves.** The opened line above is what every record carries: the rule, what it rested on, who decided and when, the client’s answer if one was asked, what it is linked to, the sign-off, and its corrections beside it. That is all fifteen steps, and the whole journey. [Below](https://kirjaa.fi/en/your-expertise#s-session), every step is compared with how you work today — and judged by you. ← Back Screen 1 of 16 Next → Part two · for our session together ## Compare it with today — and judge it Part one showed the whole design. Part two is the working material for our hour: each of the fifteen steps next to how you do it today, what you would gain, and eight prepared questions where your judgement corrects the design. This is the part we walk together. Question 1 Look at [the first drawing](https://kirjaa.fi/en/your-expertise#drawings) at the top of this page. It shows your desk today: one program holding most of the work, with email, the chase and four government portals outside it. Is that true for your firm? And for each program on it: how did it get there, and when did you last look at another one? We want to know if the drawing of your desk is right, so the rest of this page is built on your real day, not on our guess. How a program got onto a desk is the part no page of ours knows. Right, more or less Not quite 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 DESIGNclientyouone request · from your firm’s Suomi.fiapproved by the client · onceit ends on a date the client set — no warning, unless Suomi.fi Messages is onclientKIRJAAthe grant read backthe end date watched Today Only the client can grant the permissions, in the government's own service. You send the request from Suomi.fi, once, and the client approves it — done at the start, and small. What nobody tells you: when it was granted, and when it ends. A warning goes only to firms with Suomi.fi Messages switched on; for the rest, the route one day stops working, with no notice. And an 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 request — sent once from your firm’s Suomi.fi; the client approves it thereSENT End date watched — you are warned before it lapsesWATCHED What you gainYou send the request once from your firm’s Suomi.fi; Kirjaa reads the grant back and watches the end date. 3Move the client in, and set up the connectionsonce · at the start TODAYTHE DESIGNe-invoice addressopens by itself, with the softwarethe banka filled-in template — you send it to the banklast year’s numbersfrom the backup — more years: an importerthe banke-addressthe old system’s yearsKIRJAAalready inside — and the move within the hour Today **The move is the work:** a few days of calls and emails when the old firm ran a different program, easy when it ran the same one. Last year’s closing numbers come over from the old system’s backup, and you continue from there; a bigger client wants more years, and that needs an importer. **Set-up itself is small:** the e-invoice address opens by itself when the software is opened, and the bank agreement is a filled-in template — add the details, send it to the bank, one manual task and a simple one. The old books come as they are: whoever kept them is responsible for them, and nobody re-checks them line by line. true today The same step in Kirjaa Kide Oy · connectionsinvented sample The move — last year’s numbers, or every year the client wants, read in from the old systemWITHIN THE HOUR One reader per old program — Netvisor, Procountor, Fennoa, Easor, and the rest one by one, because each exports in its own shape; the hour holds for the programs it can read. For any other: last year’s numbers, typed once, and continuePER PROGRAM On the first move, a person from Kirjaa is on the call with you. In an hour, the client is inWITH YOU 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 route: the client hands over the statementCHOOSE What you gainThe client is running in an hour, with us on the call — and every year you brought over is there to open. Question 2 Think of the last client who moved to you from another firm. How long did the move take, and where did it go wrong? our open question The move is the work of step 3: days of calls and emails when the programs differ, easy when they are the same. We want your last one — which program it came from, how many days, and what broke. A day or less A few days Weeks It depends on the program Chapter two · every month · steps 4–8 of 15, 4b included ## 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 · MOST DESKS TODAY · SOME PROGRAMS THE DESIGN 123456 arrives as datathe program proposesthe client says yespaidyou confirm the bookingarchive an e-invoice lands in the programaccount and VAT rate, from its rulesand pays, in one clickreleased by a person, in the program or the bankbefore or after the payment: two wayskept six years; the account says what it was 6 STOPS · THE CLIENT, THEN YOU ○ = THE CLIENT · ● = YOU 123456 arrives as datathe client says yesthe program books ithidden from youreview afterwardsarchive an e-invoice lands in the programand pays, in one clickby the rule you taught, kept in a tableyou see only what had no ruleor not at allkept six years; the account says what it was 6 STOPS · THE CLIENT; YOU IF NO RULE arrivesthe client says yesbooked, the rule on the linepaidthe record the same e-invoice · sameand pays, as on your program · sameaccount, VAT and the rule, in words · newa person releases the money, once · sameinvoice, yes, rule, payment, answer · new it stops and asks: the client for a fact,you for what only you decide; a first invoicefrom a new sender always stops, on your line SAME LINE · NEW: RULE, STOP, RECORD how often it stops for doubt: not measured Most desks run the left column today: the program proposes the account and the VAT rate, the client says yes and pays, and you confirm every booking, before or after the payment. Some programs run the middle one: the program books by the rules you taught and hides those lines, and you see only what had no rule. true today The design keeps the line and marks what is new: the rule written on every line, the stop that asks the client for a fact it lacks — always for a first invoice from a new sender — and the record. the design Question 3 Look at [the drawing above](https://kirjaa.fi/en/your-expertise#journey). Today has two columns. Which one is your desk — or is it neither? We want to place your desk, not grade it. If neither column is right, that route is what Kirjaa must handle. Most desks — the program proposes, I confirm Some programs — it books by my rules and hides the line Neither — it goes differently 4Get the month's paperworkthe 10th by the standard contract, or a date you agree · then the 12th TODAY · MOST DESKSyouemail · call · email againclientTODAY · SOME PROGRAMSPROGRAMparks the item; the client sees the listclientTHE 10TH, THEN THE 12TH · OR A LIST ON THEIR SCREENTHE DESIGNKIRJAAclientone link a month — they drop everything thereit reads what lands, and shows them what is missingyou see only what a person has to settlelevel with some programs · ahead of most Today Bank lines and e-invoices arrive by themselves. What is left is the part only the client has — card receipts, the sales report, "what was this payment for?" — and how you get it depends on the program. On some, the program does the asking: a missing item is booked to a clearing account, and the client sees the list of what is missing on their own screen. On others, you email and call — by the 10th under the standard contract, or by a date you agree with each client — then again before the 12th. Either way, chasing the missing papers is the most time-consuming part of the month. true today The pinch is the client who sends everything two days before the 12th. Mostly unpaid work; this is where the month falls behind. not measured The same step in Kirjaa The month’s link · Kide Oy · Septemberinvented sample One link, sent on the 1st in your firm’s name — the client drops everything there: receipts, the sales report, a bank statement if they still send oneSENT Read as it lands and matched to the bank lines — 10 of 12 things in; the two still missing are shown to the client on the linkREAD Its questions sit on the same page — "what was this €240 payment for?" — answered there, and booked with the answer on the lineANSWERED One reminder on the date you agreed; one more before the 12th; no moreREMINDED ONCE Items only a person can settle — shown to you, nothing else2 FOR YOU What you gainOne link a month. The client drops, the system reads, you see only what is left — level with the programs that already show the client what is missing, ahead of the ones that do not. Question 4 In this design, your client gets one link a month, in your firm’s name. They drop the month’s papers there, the page shows them what is still missing and asks its small questions on the same page, and it reminds them once, on the date you agreed. Is that OK with you? our open choice We want to know whether Kirjaa may contact your client in your name at all, and through whom. This is a choice we have not made, and it is yours. Yes — in our name Yes — but the link and its reminders go out through us No — we keep all contact with the client ourselves 4bSplit the payoutper provider · every month TODAYTHE DESIGN€6,826.55 · one lump, Woltby hand, every month€6,826.55 · one lump, WoltKIRJAA€0.00 LEFT OVER Today A client selling through Wolt, through Stripe or on a marketplace gets one lump sum from that provider — hundreds of sales, minus the commission, refunds and charge-backs (card payments taken back). Somebody takes it apart by hand, once per provider, every month — and only from the provider’s own report; without it, nobody can. true today The same step in Kirjaa Bank line · Wolt payout €6,826.55invented sample Wolt’s payout report · September — dropped on the month’s link by Kide Oy, or fetched from Wolt if the client connects itREAD 412 orders · Wolt’s commission · refunds — read from the report, not guessed from the bank lineSPLIT Difference remaining€0.00 No report yet — the line waits, and the link shows the client what is missingIF MISSING What you gain€0.00To zero, from the provider’s report — and every part can be checked. 5Payroll, and the Incomes Registerpayday + 5 days TODAYTHE DESIGNpayroll programsent when the wages go outIncomes RegisterTHE LAW: WITHIN 5 DAYSKIRJAAthe same — sent when the wages go outIncomes Registerno gain here — your program already does this Today Five days after payday, counting weekends and holidays. If day five falls on one, the report may go on the next working day. (Paper reports, allowed only in special cases: eight days.) One of the easiest deadlines here to miss — and today the program sends the report the moment the wages are paid, so the five days are the law’s deadline rather than anyone’s task. The run itself is short: calculate, click, pay — the program does the rest. true today The same step in Kirjaa Payroll · September · Routa Oyinvented sample Wages computed, gross to netDONE Reported to the Incomes Register — sent when the wages went out, as your program does todaySENT AT PAYMENT ReceiptWILL BE KEPT What you gainNothing here that your payroll program does not do already. Payroll’s real headache is elsewhere — and this page does not yet know where. Question 5 The wage report goes out by itself when the wages are paid. So where does payroll actually hurt at your firm? our open question Step 5 admits it does not know. We want the part that costs the time on a bad month, not the report: the hours and changes arriving late, the collective agreement and its rates, holiday pay and absences, or corrections after the report has gone. The client’s hours and changes arrive late The collective agreement — which rate, which supplement Holiday pay, absences and sick leave Corrections after the report has gone 6Decide what every item iscontinuous · the real work TODAY · MOST DESKS?the accounta noteyou decide · the account says what the line is · a note when you chooseTODAY · SOME PROGRAMS?the rulebooked, hiddenin a tableyou see only what had no ruleTHE DESIGN?KIRJAAthe client — a fact it lacksyou — only what only you can decidethe linerule · fact · who · when Today Was the meal a client dinner or the owner's? Which VAT rate? Is a first invoice from a new sender real? On a program that books by rule, most of this is never decided at all: a rule taught once — every time this company buys a laptop, book it this way — books the item every time after, and hides it; you see only the few the program cannot decide. Whether a purchase invoice is valid is the client’s call, because only the client knows what was ordered. For what does reach a person, the reason is that person: the account they chose says what the line is, and a note box is there when it matters — who was at the dinner, which depreciation. No program we checked was found to require a reason, or to write one by itself. true today The same step in Kirjaa The line · booked by the systeminvented sample Laptop €1,190 — this year's cost · rule: small purchase, under the limit · from the invoice · decided by the system · 15 SepBOOKED Meal receipt €86 — who was there? · asked Kide Oy, not you · booked with their answer on the lineWAITING ON THE CLIENT Invoice · Nordic Lift Oy · €1,480 — a first invoice from a new sender: did you order this? · asked Kide Oy · shown to you before it is paidASKED KIDE OY · SHOWN TO YOU It writes the rule on every line it books. It asks the client for facts, and you for what only you can decide.THE RULE What you gainThe machine booking, your program has. What is new is that every booked line shows its rule. 7File and pay the VATthe 12th · month + 2 TODAYTHE DESIGNthe programyou press sendTax AuthorityTHE 12TH · NO EXTENSIONSKIRJAAyou sign off · you press sendTax Authorityreceipt, kept Today VAT for a month is filed and paid on the 12th of the second month after it, or the next working day. So the books must be finished well before then: you go through the month and accept every document, and nothing can be sent before that. Then the program sends the return — on the click that closes the month, or in two clicks — and says whether it went through; or it is typed into the portal. Either way a person decides the month is ready and presses send. An item still open on the 12th goes to a clearing account, the return is filed, and the item is cleared next month when the paper arrives: a purchase-side item can wait, because its deduction can be claimed later; a sales-side item cannot, because sales must be reported on time. How long the finishing takes: not measured 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 Before you sign — totals against last month · the 3 least-sure lines first · the big and the odd · 312 by rule, foldedA PROPOSAL Still open on the 12th — it counts them and asks on the day: file now and book them to the clearing account, cleared next month, or holdYOUR CALL A receipt after the 12th — small: next month · larger: the month filed again · both stay on the recordCORRECTED, NOT EDITED VAT · July period — prepared from the record, signed off by you, filed 14 Sep, the first working day after 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 gainThe send is no gain — your program sends in two clicks already. What is new is what you see before you sign, and the receipt kept on the record. Question 6 · at the sign-off The system has booked the month’s lines. You touched none of them. It is the 12th, and the VAT return is ready for your sign-off. What would you need to see before you put your name on it? The rule behind each line? A sample you can check yourself? Who answers for it if it is wrong? Or nothing — you would trust it? “Nothing” is an answer too. Everything on this page exists for this one moment, and we do not know your answer. 8Report back, and billafter the month closes TODAYTHE DESIGNthe programthree reports, from the programthe storystill by handKIRJAAthe numbers, and what was asked and answeredyour note — the advice Today The program has a reports section — the VAT report, the balance sheet and the income statement — and on the modern programs the client can pull them without being sent anything. Whether a client wants a monthly report at all depends on what was agreed. The story around the numbers is still put together by hand, and is often the part they value most and the hardest to charge for. not measured 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 gainThe standard reports exist already. What is new is the record of what was asked and answered. You advise. **Chapter two, counted:** the judgement calls stay with you — only what only you can decide reaches you, with the rule named, and kept in a record you can check. Three of the six monthly steps run inside the system, every booking keeping its rule; two more are split — the judgement and the advice stay yours; the chasing becomes one link a month. the design On a program that books by rule, most of this already runs inside the program; what the design adds there is the rule on every line, and the link. true today How many times a person must act in a month is not measured; the deadlines that do not move are the 5th and the 12th. not measured 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 MONTHSstock countDec→Jan cut-offbook vs taxflat ground — three things wait for you, then you review and stand behind it Today The biggest single job of the year — as big as the months left it: a firm that carries costs into their right months all year has a smaller spring already. How many hours it takes, nobody has published. not measured After the year ends, the books are finished into the annual accounts, within four months by law. Every cost and income is put in the year it belongs to. Equipment loses a year of value, the stock is counted, unused holiday pay is counted as a cost, and the occupational health claim is made. At the end, every figure must agree with something real: a bank line, a receipt, a count. 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 — asked of the client, on the month’s linkWAITING Missed, or still waiting — flagged before you review: “check this”FLAGGED A December invoice arriving in January — put in its year, by youYOURS Every figure agrees with the recordCHECKED Where the books and the tax rules differ — the questions that take real time come here, with what each rests on beside themYOURS Nothing left to rebuild — review it, and stand behind itYOURS What you gainNo spring rebuild — what is left for you is the stock count, the cut-off, and the questions where book and tax differ — and a flag on anything missed or still waiting. TODAY THE DESIGN the close — as big as the months left it review — and where book and tax differ 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. Some firms carry costs into their months all year and have the smaller spring already; others say the spring is where expertise steps in, and would believe a finished month only if its checklist takes care of everything. not measured Question 7 When the months were kept well, what still takes real time at year-end at your firm? our open question Spring does not vanish when the months were kept. We want to know what is left in yours, so the design can name it rather than promise it away. The stock count The December invoice arriving in January — the cut-off Where the books and the tax rules differ Something else 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 programbuilds ita couple of clicksthe file service+ 4 MONTHSa year closed as it ran+ your adjustments · book vs taxthe 6Bthe signed accounts attachedyou press sendthe fileservicereceipt kept Today The 6B goes in on the same four-month clock — still by an older file-delivery service, built by the program and sent with a couple of clicks; the signed accounts can travel with it, so one send reaches the Company Register too. true today The same step in Kirjaa Filings · 6B · 2026invented sample Derived from the closed year — the same record, nothing re-builtPREPARED The adjustments where the books and the tax rules differ — decided by you at year-end, carried in with the reason on eachYOURS Sent by you through the file service · the signed accounts attached, so the same send reaches the Company Register · receipt keptON ITS DEADLINE What you gainBuilt from a year closed as it ran — the adjustments you decided carried in, nothing rebuilt in spring. 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 DESIGNthe programyou click fileCompany RegisterKIRJAAthe 6B+ the signed accountsyou press send · oncethe tax officeforwardsCompany Registeror straight in through the register’s own door — our open choice Today The signed accounts go to the public company register — electronic for nearly everyone since 2026 — and sent from the program, in a couple of clicks, or attached to the tax return so that one send reaches both. true today The same step in Kirjaa Filings · annual accounts · 2026invented sample Attached to the tax return — one send, and the signed accounts reach the tax office and the Company Register · receipt keptON ITS DEADLINE Or straight into the register through its own door — few programs have it; which door Kirjaa uses is not decidedOUR OPEN CHOICE What you gainOne send, two doors — the tax office and the register, from the same record. 14Keep everything, and keep it linkedaccounts 10 years · receipts 6 years TODAYTHE DESIGNthe program’s archiveeverything, while the client staysLEAVINGPDFsCSVa fee, sometimesthe links do notcome with itone recordreceipt ⇆ accounts — both ways, ten years · and it leaves with the client, whole Today Ten years for the accounts, six for the receipts. The law wants a chain that works in both directions: from a receipt to the accounts, and from any number back to the receipt. Day to day it all sits in the program’s archive, and the client trusts it. The chain breaks when they leave: the exports come out as PDFs and CSV, sometimes for a fee, and the links do not come with them. The duty to keep the books is the client’s, not yours. true today The same step in Kirjaa The record · search: “laptop 2026”invented sample €1,190 · Laptop · booked 15 Sep 2026 · this year's costOPENS Why The small-item rule: under the limit, so this year's cost. From the invoice line. Decided by the system, 15 Sep 2026 — nobody touched it. Unchanged since the day it was booked. Leaving? The whole record goes with the client — every line, every receipt, every link — machine-readable, for nothingTHE DESIGN The client holds a copy, so their duty to keep the books is met even after they leaveTHEIRS, BY LAW What you gainLinked both ways, ten years — and it leaves with the client whole, for nothing. Where this record would live is not designed yet. our open choice The record leaves with you, machine-readable. the design **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 government systems the filings leave through: the bankevery account line, by itself invoicesin and out, through an operator receipts and papersphotos, PDFs · the provider’s reports payrollhours and changes, on the link your client · one link a monththeir papers, and their answers you · and the sign-offonly what only you can decide the old program · the movelast year’s numbers, read in KIRJAA — one system, one record work queuequestionsfilings on their deadlinesthe record books what it can provewrites the rule on every lineasks when it cannotflags what is still missingto the client, for a fact it lacksto you, only for whatonly you can decidenew sender: the client,shown to you on the lineprepared from the recordsent on your clicknever by themselvesreceipts keptopen on the day? it asks youevery line opens to its ruleten years · never editedleaves with the client, wholefor whoever did not write it the gate:the permissionsthe client grantedend dates watched Tax AuthorityIncomes RegisterTax return serviceCompany Register VAT · the 12threceipt keptwages · payday + 5receipt keptthe 6B · + 4 monthsreceipt keptaccounts · + 8 monthsreceipt kept 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 have sixty-one smaller dated duties outside these fifteen steps, such as prepayments and the annual information returns. They are on our list. true today The question is what is missing beyond them: The last question ## Would you try it? You have now seen the whole design. **What you cannot see is whether it works** — how often it must stop and ask, how often it is wrong. Nobody publishes that number, and we will not invent it. not measured So the design has a replay mode, and the last question is about it: YOUR MONTH · AS YOU DID IT one client · one month, already closedthe bank statementthe receipts and invoicesthe payout report · the hours, if any your booked lines, if you want the comparisonthe client does nothing drop it in KIRJAA · REPLAY — A SEALED SPACE reads everything that arrivedbooks what it can prove — the rule on each lineraises its questions — shown, not sentprepares the filings — shown, not sentbuilds the record — every line opens the whole product · on a month that is already closed minutes WHAT YOU SEE the sign-off screen, on your real lines your totals beside the ones you filedthe lines it was least sure ofwhere it booked differently — both reasonswhat it could not read you compare · you decide · you delete it NOTHING LEAVES · NO EMAIL TO THE CLIENT · NO FILING SENT · NO BANK CONNECTED · THE DATA STAYS IN YOUR KIRJAA Replay: one client, one month already closed, the whole product in a sealed space. Nothing is sent to anyone, the data stays in your own Kirjaa, and you delete it when you are done. The number nobody publishes comes out of your own month, on your own screen. the design A “no” with a reason is worth more to us than a polite yes: Question 8 · the last one Imagine Kirjaa was ready today — a real product, not a drawing. It has a replay mode: one client, one month already closed, the whole product in a sealed space where nothing is sent and nothing leaves your firm. Would you run that month through it, next to your normal work, to see the difference with your own eyes? We want to know if you would try it, and what would stop you. A “no” with a reason is as useful to us as a “yes”. Yes — our own firm's books Yes — one client's closed month Maybe — something is missing from the replay No **When you have answered what you want to answer** — press the button. Your answers are gathered into one block and copied, ready to paste into a reply to us. Every question is optional; a skipped one is also an answer. Nothing is sent by itself. Thank you — every answer you share makes this design better. Gather my answers ## 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**. Sent by Paul Buiko, Kirjaa. Nothing on this page is legal or tax advice.