Comparison
A full double-entry ledger vs. an invoicing and Peppol platform
Billit is one of the best-known e-invoicing platforms in Belgium, and it runs its own certified Peppol access point. But it is a document platform, not a bookkeeping system: it creates, sends, receives and routes invoices, then hands them to whatever accounting package your accountant uses. Financica is the accounting package, with Peppol e-invoicing already inside it.
| Feature | Financica | Billit |
|---|---|---|
| Double-entry bookkeeping ledger | Yes | No |
| Balance sheet, income statement and trial balance | Yes | No |
| Belgian VAT return preparation (Intervat) | Yes | VAT overview only |
| Belgian VAT current account tracking | Yes | No |
| Works without a separate accounting package | Yes | No |
| Peppol and UBL e-invoicing | Yes | Own certified access point |
| Receiving Peppol invoices | All plans | Paid plans only |
| Pricing model | Flat per plan | Tiered on document volume |
| AI-powered transaction categorization | Yes | No |
| Conversational AI assistant over your books | Yes | No |
| Invoice OCR | Yes | Yes |
| Fixed-asset register with automatic depreciation | Yes | No |
| Multi-currency accounting | Yes | Invoicing only |
| Burn rate and cash runway | Yes | Cash flow overview |
| Quotes, delivery notes and time tracking | No | Yes |
| Native mobile app | Web-based | Yes |
Billit moves documents: it issues them, receives them over Peppol, and pushes them into an accounting package. The bookkeeping still happens somewhere else. Financica holds the double-entry ledger itself, so an invoice you send or receive is already a booked entry with the right VAT treatment, not a file waiting to be processed.
With Billit you pay for the document platform and for the accounting package behind it, and you live with whatever the integration between them does and does not carry across. Financica gives you invoicing, Peppol, categorization, VAT and reporting on one ledger, so there is no sync to reconcile and no gap to explain.
Billit's plans are tiered on how many documents you process each month, and going over the limit is billed afterwards. Financica charges a flat price per plan with free unlimited UBL and Peppol e-invoices, so a busy month does not change your bill.
Billit's free plan sends Peppol invoices but you need a paid plan to receive them, which is the half that matters most now that Belgian businesses must be able to accept structured e-invoices. Financica includes sending and receiving on every plan.
Billit is a Belgian invoicing and document-flow platform with its own certified Peppol access point, used by hundreds of thousands of businesses and connected to 180+ integrations including 30+ accounting packages. It handles sales invoices, quotes, order forms, delivery notes, purchase invoices, receipt scanning, bank links and time tracking, and gives accountants a free portal onto their clients' documents. What it does not do is keep the books: there is no double-entry ledger, no financial statements, and no VAT return. Pricing is tiered on monthly document volume, and the free plan sends Peppol invoices but cannot receive them.
Billit is a good fit if your accountant already runs your books in another package and you only need a clean, cheap way to issue and receive documents over Peppol. Financica is the better choice if you want the ledger, the VAT work, the reports and the e-invoicing in one place, instead of a document platform plus an accounting package plus the glue between them.
No credit card required. See the difference for yourself.