Comparison
A solo-freelancer tax app vs. real double-entry accounting for growing businesses
Accountable is a genuinely good app for solo freelancers and the self-employed who want to invoice and file their own taxes from their phone — and for that audience, we happily recommend it. But it is built around simplified single-entry tax accounting for one person: no double-entry bookkeeping, no company tax, and no support for businesses with employees. Financica is the double-entry accounting platform for when your business outgrows the one-person setup.
| Feature | Financica | Accountable |
|---|---|---|
| Double-entry bookkeeping | Yes | No |
| Self-service personal income tax filing | No | Yes |
| Self-employed social contributions filing | No | Yes |
| Native mobile app | Web-based | Yes |
| Free plan for solo invoicing | 30-day trial | Yes |
| Peppol and UBL e-invoicing | Yes | Yes |
| AI-powered bookkeeping automation | Yes | AI tax assistant (Q&A) |
| Support for companies (BV/SRL, GmbH) | Yes | One-person companies only |
| Suitable for businesses with employees | Yes | No |
| Shared founder-accountant workspace | Yes | Accountant access and export |
| Multi-currency accounting | Yes | No |
| Burn rate and cash runway | Yes | No |
Accountable uses single-entry, cash-basis accounting for one self-employed person, and says so openly. The moment you incorporate or need real financial statements, you need double-entry books. Financica is built on a proper double-entry ledger from day one, so your accounts are audit-ready and your accountant can rely on them.
Accountable is capped at the solo self-employed: no company tax, no payroll, no employees. Accountable itself tells company owners they still need an accountant. Financica handles companies (BV/SRL, GmbH) and businesses with a team, so you do not have to switch tools the day you hire someone or incorporate.
Accountable is designed to replace your accountant for simple cases, then exports your data to one when you outgrow it. Financica is a shared, real-time ledger where you and your accountant work side by side. You keep the expertise and gain the visibility, instead of choosing between the two.
Accountable operates only in Belgium and Germany, in euros. Financica is built for EU SMEs, with multi-currency accounting, Peppol e-invoicing, and cross-border support, so it fits businesses that trade beyond a single tax system.
Accountable is a mobile-first tax and invoicing app for the solo self-employed, with 50,000+ users in Belgium and a growing base in Germany. Its standout feature is self-service tax filing: freelancers submit their VAT and personal income tax returns directly to the tax authority (Intervat in Belgium, ELSTER in Germany) without an accountant. It also handles invoicing, expense scanning, free Peppol e-invoicing, and an AI tax assistant. By design it uses simplified single-entry, cash-basis accounting for natural persons — it does not do double-entry bookkeeping, corporate tax, or payroll, and it operates only in Belgium and Germany.
If you are a solo freelancer or sole trader who wants to handle your own invoicing and file your own taxes from your phone, Accountable is an excellent, affordable choice — and you may not need Financica yet. Financica is the better fit the moment you incorporate, take on employees, need proper double-entry books, or want to share a live ledger with your accountant.
No credit card required. See the difference for yourself.