With us, entrepreneurship puts a smile on your face. You get bookkeeping, invoicing, and expert support — whether you’re sending your first invoice or already running your own business.
UKKO Light Entrepreneur 
UKKO Entrepreneur 
Set up a new limited company and we’ll credit an amount equal to the Finnish Patent and Registration Office (PRH) registration fee against your service fees during the first 12 months.
You’ll also get everything your limited company needs for financial administration — from bookkeeping and invoicing to tax returns and financial statements.
Whether you’re just trying out light entrepreneurship or already growing your own business, we’re with you. You also have access to additional services that make day-to-day work easier and support growth, such as a business account and payment card.
Do the work, send an invoice, and receive your earnings — it’s that simple. You can work as a light entrepreneur with or without a Business ID. Focus on your work — we’ll handle the bureaucracy.
When work becomes more regular, setting up a Private Trader business may be your next step. Register your Business ID easily in our service and manage all your Private Trader financial management in one familiar place. We also help with switching accounting firms.
As your turnover grows, a Limited Company opens up more possibilities. Set up a Limited Company easily and manage your finances in the same service.
We help entrepreneurs focus on their work. We handle the financial management. Easy-to-use services, expert support, and modern tools make everyday life run smoothly.
Entrepreneurs from various industries, from freelancers to sole traders and limited companies, have trusted the service since 2012.
Our knowledgeable customer service and finance team support you online, by phone, and by email.
Get support with tax returns, bookkeeping, and general business questions. You’re never alone at any stage of your entrepreneurship journey.
Send invoices, save receipts, and track your business finances in real time — wherever and whenever you need to. Everything important is always with you. Our services are available via mobile app and web browser.
UKKO.fi is more than just software. Our services guide users to do things correctly and handle many routine tasks automatically — freeing up more time for actual entrepreneurship. Behind the scenes, our experts process invoices and receipts and carry out regular tasks to keep your bookkeeping in order.
From light entrepreneurship to a limited company – find out which business form suits you best!
| Without a Business ID |  With a Business ID | Private TraderLITE | Private Trader | Limited Company | |
|---|---|---|---|---|---|
We understand the realities of entrepreneurship and actively develop the operating environment together with authorities. Safety, transparency, and the entrepreneur’s best interests guide everything we do.
We’ll help you choose between light entrepreneurship, a Private Trader business, or a Limited Company. Get a clear assessment of your situation at no cost.
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Check average hourly rates across different industries and easily estimate your own invoicing level. Our free calculator helps you price your work correctly.
Try the entrepreneur salary calculator Need insurance, a business account and payment card, or the ability to invoice internationally? Find all the key additional services in one familiar place.
Get a business account and payment card quickly and easily — in as little as one business day. UKKO Business Account connects your payments and bookkeeping, so transactions and transfers are recorded automatically and you can see your up-to-date financial position in one place. Clear, affordable monthly pricing with no hidden fees.
Learn more about UKKO Business Account 
UKKO Assurances brings extra security to your everyday life as an entrepreneur. It includes liability and accident insurance, legal expenses insurance, and legal assistance for situations where you need expert support. You also get access to useful contract and document templates, plus valuable perks that make running your business easier and give you more confidence.
Learn more about UKKO Assurance With UKKO Pay, you can pay your company’s invoices directly in the UKKO Entrepreneur service. Save time and effort by not having to switch between services just to make payments. With a fixed price, you can pay an unlimited number of invoices.
Learn more about UKKO Pay With UKKO Plus, you get a dedicated financial management expert team by your side, processing your documents with priority. We also file your VAT and tax returns, as well as your EU summary reports, among the first in line.
Invoice international clients without the hassle. With UKKO Foreign Trade, you can invoice your international clients in euros, in Finnish or English. We handle all VAT filings related to foreign trade on your behalf.
Receive your money sooner, even when your client has a longer payment term. Send your invoice through UKKO.fi to our financing partner Rahoo and you could receive the funds up to 14 days earlier. Keep your cash flow steady and focus on your work without worrying about delayed payments.
Get a business account and payment card quickly and easily — in as little as one business day. UKKO Business Account connects your payments and bookkeeping, so transactions and transfers are recorded automatically and you can see your up-to-date financial position in one place. Clear, affordable monthly pricing with no hidden fees.
Learn more about UKKO Business Account UKKO Assurances brings extra security to your everyday life as an entrepreneur. It includes liability and accident insurance, legal expenses insurance, and legal assistance for situations where you need expert support. You also get access to useful contract and document templates, plus valuable perks that make running your business easier and give you more confidence.
Learn more about UKKO Assurance With UKKO Pay, you can pay your company’s invoices directly in the UKKO Entrepreneur service. Save time and effort by not having to switch between services just to make payments. With a fixed price, you can pay an unlimited number of invoices.
Learn more about UKKO Pay With UKKO Plus, you get a dedicated financial management expert team by your side, processing your documents with priority. We also file your VAT and tax returns, as well as your EU summary reports, among the first in line.
Invoice international clients without the hassle. With UKKO Foreign Trade, you can invoice your international clients in euros, in Finnish or English. We handle all VAT filings related to foreign trade on your behalf.
Receive your money sooner, even when your client has a longer payment term. Send your invoice through UKKO.fi to our financing partner Rahoo and you could receive the funds up to 14 days earlier. Keep your cash flow steady and focus on your work without worrying about delayed payments.
For example, reopening the accounting for a month that has already ended, accounting for arrears, extending the deadline, or making corrections due to late payment.
Over 229,000 registered users trust UKKO.fi.
Over 229,000 registered users trust UKKO.fi.
UKKO.fi brings together light entrepreneurship and business financial management. Start safely and focus on what you do best.
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