Spend becomes visible too late
Commitments appear only when the invoice arrives, even though budget and cash were affected earlier.
For mid-sized & large organisations · and their accountants
One controllable chain — on top of your existing books
Finance sees every commitment before the invoice, every approval with who and when, and every posting with a trail back to its source — in the accounting package you already use, no new ERP.
Data in the EU · GDPR-compliant
fiatto.app
- Nine accounting integrations — from Moneybird to SAP S/4HANA
- Dry-run preview before every posting to your books
- Every change tested at enterprise volume: 2 million journal lines and 500,000 invoices
Finance should not discover what happened after the fact
Fragmented processes turn finance into a repair team. Fiatto connects policy, execution and financial processing in one controlled chain.
Approvals are scattered
Email, Teams and spreadsheets do not add up to a reliable audit trail.
Systems tell different stories
Procurement, sales, banking, projects and accounting do not reconcile by themselves.
Close remains manual work
Finance reconciles and substantiates numbers that could have been reliable from the start.
One financial chain. Three ways to gain control.
Start with the process that needs attention today. The same transactions then feed payments, reporting and financial statements.
Buy & pay
Procurement in control
No surprises at invoice time: four-eyes approval before a commitment exists, matching on order and receipt, and an invoice mailbox that reads e-invoices and PDFs and catches duplicates.
- Internal controls & fraud prevention
- Spend insight & savings
Sell & get paid
Sales & receivables
From quote to payment in one trail: VAT-correct invoices, dunning that runs by itself and a customer portal where your customer pays directly — with aging and DSO live, and SEPA direct debit on an online mandate.
- Banking & payments — from statement to SEPA
- Dunning, customer portal & SEPA direct debit
Steer & report
Accounting bridge — nine packages
Approved purchase and sales invoices post through to the package you already use — Moneybird, Exact, AFAS, Twinfield and four more on Pro, SAP S/4HANA on Enterprise — with a dry-run preview before posting. Your own ledger stays optional.
- Accounting bridge first, own ledger optional
- CFO cockpit & Planning and Control
- The core chain:
- Request
- Approval
- Purchase order
- Receipt
- Invoice
- Accounting
How it works
Fiatto works on top of your existing accounting system. You do not have to replace Exact, AFAS, Twinfield, Moneybird or SAP: approved transactions are posted through under control. The own ledger is optional — a shadow control layer, not a forced rip-and-replace.
Posts through to:
Moneybird · Exact Online · AFAS · Twinfield · QuickBooks Online · Xero · NetSuite · Sage Intacct · SAP S/4HANA
Complete the basic setup
Cost centres, budgets, approval thresholds and ledger mapping — the setup guide walks you through it, usually within a day.
Walk the core chain once
Submit one real request and follow it from decision to posting: approval, purchase order, receipt, invoice and posting into your package. After that, everyone knows how the chain runs.
Work and expand in the same chain
The team requests (or lets AI fill in the form), approvers decide with budget and policy in view, and invoices match to order and receipt and post through automatically. Turn on expansion modules when your organisation is ready.
Everyone works from the same financial reality
Less repair work for finance, earlier insight for management and a traceable route from decision to posting.
Who decides and is accountable
- For CFOs
- Cash, margin, commitments and risks visible before the month is over.
- For controllers
- Reconciled numbers, drill-down to source and fewer manual reconciliations.
- For finance teams
- One work queue for requests, invoices, payments and exceptions.
- For accountants
- A frozen file, read-only audit workspace and complete audit trail.
Who works in it every day
The chain only works if the organisation works in it. That is why the first step is light for everyone.
- Requesters and buyers
- A request in a few minutes: AI fills the form from an email or quote, and the status is visible without chasing.
- Budget holders and approvers
- Decide with budget, policy and contract in view, in one click.
- Procurement, contract and tender managers
- The contract as price source, a sealed bidding portal and re-tendering in one click.
- Project managers
- One project, one margin: commitments and costs visible immediately, not only at invoice time.
- Property, fleet and HR management
- Report via QR or form, and the posting follows by itself. Expansion modules you switch on when you are ready.
Money back from day one
Start without changing your accounting
Still on the fence? Create a free account and let Fiatto screen your purchasing and sales export in a separate, read-only environment for overpayments and duplicate invoices. Nothing is posted; your books stay untouched.
Sample scan result
Sample demo data · Fiatto Demo Ltd
- Duplicate invoices
- € 12,400
- Overpayments
- € 8,750
- Missed revenue
- € 3,200
For accountants
Work with your accountant without trading exports
Accounting firms manage multiple clients from one secure environment. Each client keeps its own data, roles and policy; the accountant gets exactly the control information they need.
- Multiple clients in one firm workspace
- Read-only audit workspace with a full audit trail
- Volume discount as you bring more clients
Firm workqueue
- Fiatto Demo LtdReview open
- North HoldingsMonth closed
- Delta GroupPBC delivered
Pricing model
Modular, per entity — without forced upgrades
You pay per entity (administration), not per organisation. Start with the processes that need attention now and expand when your organisation is ready — add entities, modules and users when you want. We make clear in advance what is in your proposal.
See all prices and the guarantee →Frequently asked questions
The questions we hear most often before an organisation gets started.
Do I have to replace my current accounting software?
No. Fiatto sits on top of your existing books and your existing processes: request, approval, document and posting form one controllable trail, and approved entries post through to the package you already use — with a dry-run preview before anything is posted. Your books remain the source of truth; switching later is possible, but never required.
Is the data scan really read-only?
Yes. The secure data scan runs in a separate environment on an export of your data. Nothing is posted and your existing books stay untouched. You see what Fiatto finds first; only then do you decide whether to continue.
How long does setup take?
Usually within a day. Set up the basics — cost centres, budgets, approval thresholds and ledger mapping — then walk the core chain once, from request to posting; every transaction after that follows the same trail. Extra modules you turn on later, with no re-setup.
Can I add modules later?
Yes. You start with the core chain and turn on expansion modules when your organisation is ready: your plan determines what you're allowed to use, activation what you see. Specialist modules such as IFRS 16, consolidation and payroll are add-ons on Complete; if you turn something off, the data stays.
Does Fiatto work with my accountant?
Yes. Your own accountant or bookkeeping firm can review or collaborate from a partner environment, and your external auditor can get a read-only audit workspace on request — with no way to change anything in the books.
Does Fiatto work in Belgium too?
Yes — with the Belgian MAR chart of accounts, Belgian VAT return grids (54-57, 59 and 71/72) and Peppol routing on your Belgian enterprise number. Groups with Dutch and Belgian entities consolidate in a single environment, including intercompany settlement.
Can I cancel monthly?
Yes. With monthly billing you can cancel monthly — no long-term contract. Choose yearly billing to save two months; the subscription then runs per year. You always start with a free trial.
More questions
Can't find your question? Ask it through the contact form
Built for Dutch and European requirements
Your data is yours: stored in the EU (Frankfurt), processed under the GDPR and exportable at any time. Sub-processors, access control, the audit trail and the limits of the AI are documented in the Trust Center — demonstrable, not just promised.
Trust Center →Loading status…
Bring your financial chain under control
Book a call about how Fiatto fits your current processes and accounting — or start right away with a secure, read-only scan.
US-based? See our US page →