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Settings

Billing and subscriptions

Manage your Financica subscription, plan, and billing details.

6 min read

Financica offers several pricing plans to match your business needs. You can manage your subscription from Settings > Organization > Billing.

Accessing billing

Navigate to Settings > Organization > Billing in the sidebar.

Plans

Financica offers four plans for individual companies. Solo, Core, and Scale are self-serve. Enterprise is handled with our team. Accounting firms managing several client companies have a separate practice plan.

Solo

For independents and one-person companies:

  • 1 legal entity
  • You plus your accountant
  • 80 invoices per month, OCR uploads and e-invoices combined (see the invoice limit)
  • 1 bank connection, with unlimited statement imports
  • Invoice OCR
  • Burn rate and cash runway (other reports are not included)
  • Email support
  • €29/month, or €228/year when billed yearly (€19/month equivalent)

Core

For founders and single-entity companies:

  • Everything in Solo
  • Unlimited invoices, OCR and e-invoice
  • Up to 5 bank connections
  • AI-assisted transaction categorization
  • All reports: balance sheet, income statement, trial balance, VAT return
  • Locked accounting periods
  • AI accounting assistant with 100 credits per month (see assistant credits)
  • VAT workflows
  • 3 team seats
  • €89/month, or €708/year when billed yearly (€59/month equivalent)

Scale

For finance teams managing growth and complexity:

  • Everything in Core
  • Unlimited bank connections
  • Year-end close checks, Belgian corporate tax simulator, and annual accounts filing (NBB)
  • Unlimited AI accounting assistant
  • Plain-language search across your books
  • Approval-based AI actions
  • Fixed-asset register and automatic depreciation
  • 10 team seats
  • Free migration assistance
  • Priority support
  • Guided onboarding included
  • €299/month, or €2,388/year when billed yearly (€199/month equivalent)

Enterprise

For regulated environments and larger organizations:

  • Everything in Scale
  • Custom multi-entity setup
  • Custom integrations
  • Dedicated account team
  • SAML/SSO
  • SLAs
  • Migration support

The Solo invoice limit

Solo includes 80 invoices per calendar month. OCR uploads and e-invoices all count toward the same total: a PDF you upload for extraction, an e-invoice you send, and an e-invoice you receive each count as one.

  • Incoming invoices are never rejected. A supplier who sends you an invoice over Peppol always delivers successfully; the document arrives in your books and counts toward the monthly total.
  • Sending and uploading stop at the limit. Once 80 documents have been counted in a month, you cannot send further e-invoices or upload documents for OCR until the next calendar month starts, or until you upgrade to Core.
  • Bank transactions, statement imports, and manually recorded invoices are never counted.

Assistant credits

The AI accounting assistant is included from Core up. On Core it comes with 100 credits per month; one credit is one message you send to the assistant.

  • Credits reset at the start of each calendar month and do not roll over.
  • When Core runs out of credits, the assistant pauses until the next month. Upgrading to Scale removes the cap.
  • On Scale and Enterprise the assistant is unlimited.

The practice plan

Accountants, bookkeepers, and fractional CFOs who keep the books for several client companies subscribe as an accounting practice instead of taking a per-company plan.

  • Quoted per firm -- The practice offer has no published price. Each practice is quoted on its portfolio: how many client companies it carries, how many people work in them, and what it needs. See the practice pricing page to request a proposal.
  • One subscription for the portfolio -- The firm's subscription covers the client companies it pays for, and the firm's own books are included at no extra charge.
  • Trial included -- A new practice starts on a trial, like any organization. You can put a real client in it before committing.

Who pays for a client company

A practice managing a client's books and paying for them are two separate things:

  • The practice pays -- A company the firm creates from its portfolio is billed to the firm. The firm can hand the subscription back to the client later.
  • The client pays -- A client can hold its own Solo, Core, Scale, or Enterprise subscription while the practice stays a member of its books. This is the default when an existing company invites its accountant in: joining a portfolio grants access, it does not move anyone's bill.

If the practice was paying and the relationship ends, billing goes back to the client. See Accounting practices and the portfolio for how the relationship works.

Free trial

New organizations start with a 30-day free trial that includes all features. The billing page shows how many days remain.

When the trial ends

Your books are never locked away. Once the trial ends, and for as long as there is no active subscription, the organization goes read-only:

  • Everything already recorded stays visible, searchable, and exportable.
  • Recording or changing anything is refused: new transactions, invoices, uploads, imports, and settings changes.
  • Buttons that would write are disabled and say why.

This is the same read-only mode a teammate gets when you invite them with the Read only role, so it behaves the same way throughout the app.

What happens to documents that arrive in the meantime

Your bank feeds and your Peppol address keep working, so records keep arriving. While the subscription is lapsed, anything that arrives is held back rather than shown:

  • New invoices, transactions, and documents do not appear in your lists.
  • We do not email you about inbound Peppol documents.

Nothing is lost or refused. Suppliers who send you an invoice over Peppol still deliver successfully, and everything held back appears the moment you subscribe.

If your organization is registered on the Peppol network, this is worth knowing before you let a trial lapse: you will not see e-invoices sent to you while you are not subscribed, so a supplier may believe you have received an invoice that you have not read. Subscribing again brings all of them in at once.

Monthly and yearly billing

On the billing page, you can switch between Monthly and Yearly pricing.

  • Yearly billing is selected by default.
  • Prices are always shown per month for easy comparison.
  • The Monthly option shows the standard month-to-month rate.
  • If you choose yearly billing, Stripe charges the full annual amount upfront.
  • VAT is excluded from the listed prices.

Managing your subscription

From the billing page, you can:

  • Choose Solo, Core, or Scale — Start a new paid subscription from the billing page.
  • Switch plans — If you already have an active Stripe subscription, plan changes go through the Stripe billing portal.
  • View invoices — See your billing history and download invoices.
  • Update payment method — Change your credit card or billing details.
  • Cancel — Cancel your subscription. You will retain access until the end of the current billing period.
  • Reactivate — If you have canceled, you can reactivate before the period ends.

Payment

Billing is handled through Stripe. All payments are in EUR.

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