UKKO Entrepreneur for Private TradersCreate invoices, track your income, and let us handle the bookkeeping and regulatory filings. Get everything you need to manage your Private Trader finances in one place — without the hassle.
When your bookkeeping is taken care of without the extra effort, you have more time and energy to focus on your business.
Send an invoice or log a receipt. We handle the bookkeeping and regulatory filings — accurately and on time.
The service is designed for the everyday needs of entrepreneurs. You get an intuitive tool and the support of financial management experts.
One flat fee covers everything you need to manage your Private Trader finances. No per-receipt extra charges. Starting from just €24.90/month.
Financial management doesn’t have to be a burden. With UKKO Entrepreneur, bookkeeping, invoicing, and regulatory filings are all taken care of — accurately, on time, and without surprises.
Let’s make entrepreneurship easier together. We’ll register your Private Trader business for free or handle the switch from your current accounting firm on your behalf.
Use the service on your phone, computer, or tablet — wherever you are. The app is built for the everyday life of an entrepreneur. Create invoices, capture receipts, and track your business finances with just a few taps. Everything works smoothly and quickly.
If you’re already operating as a Private Trader, we handle the entire switch from your current accounting firm from start to finish. We can also help sort out any overdue bookkeeping if needed. Read more about switching accounting firms.
No Business ID yet? We’ll register your Private Trader business completely free of charge. Save up to €115 in registration fees and get your Business ID right away. Read more about registering.
We serve thousands of entrepreneurs across a wide range of industries, and we understand the day-to-day realities and obligations of running a Private Trader business. We make sure your bookkeeping and regulatory filings are handled correctly and on time — so you can focus entirely on your business.
Try the service free for 30 days — or until you start earning, for up to 6 months. No commitment, no complicated process. Give it a go and decide for yourself.
We register your Private Trader business for free and your Business ID is ready to use straight away.
We keep your single-entry bookkeeping up to date on a cash basis.
We prepare and submit your VAT and tax returns on your behalf — always on time.
Send as many invoices as you need — by email, post, or as e-invoices.
Take a photo of a receipt and save it directly to the service. We store all documents for bookkeeping purposes.
Get your official business reports ready-made. See your results clearly and meet all statutory requirements.
Monitor your bookkeeping status through clear, easy-to-read reports.
Stay on top of your business finances at a glance. Always know how much is coming in and going out.
Get expert guidance on using the service — by phone or email. Don’t hesitate to ask; we’re here to help.
Save your customers and products in advance to speed up invoicing and reduce errors.
Receive purchase invoices directly in the service. Everything stays in one place for bookkeeping.
Keep track of all your business trips in one place. Your data is ready when you need it for tax deductions.
Invoice, add your receipts, and focus on your clients and your business. We take care of the bookkeeping, VAT returns, and tax filings.
Send invoices easily and save receipts as photos. Our automation reads the data directly into the bookkeeping system, and our financial administration specialists process your records on top of that.
Once you’ve confirmed your document period, we prepare and submit your VAT and tax returns on your behalf.
Once you’ve confirmed your document period, we prepare and submit your VAT and tax returns on your behalf.
If anything is unclear, reach out to our free customer service by phone or email. We’ll give you clear, practical guidance and help you move forward.
Manage your business the way you want. If your operations expand or you need new tools to support your growth, you can easily add more features — including a business account and payment card, insurance, and international trade.
As your business grows, you can also continue using the same familiar service as a Limited Company.
Manage your business the way you want. If your operations expand or you need new tools to support your growth, you can easily add more features — including a business account and payment card, insurance, and international trade.
As your business grows, you can also continue using the same familiar service as a Limited Company.
Sign up and get started right away. Explore the service and choose whether to register a new business or use your existing Business ID.
+ VAT 25,50%
+ VAT 25,50%
“Joka keikan jälkeen teen laskun saman tien valmiiksi, ja kotiin tullessa kaikki laskut on jo hoidettu. Kännykällä laskutus toimii ihan järjettömän hyvin – se säästää aikaa ja pitää arjen hallinnassa.”
Kimmo Ruokola
Rakennuskonsultti
Track invoicing, income, and expenses in real time and stay on top of your business performance.
Automatic receipt scanning speeds up expense entry.
Maintain a client register and build your own product register to create invoices faster.
Create and send invoices easily with no limits.
Manage your business expenses and invoices from one place. *Requires an additional service.
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.
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.
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 
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.
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.
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 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.
Use it on your computer, tablet, or phone — wherever and whenever you need it.
Whether you’re just starting out or growing an existing business, our flexible service adapts to a wide range of needs across many different industries.
Whether you’re starting a business, switching accounting firms, or thinking about your next move, we’ve got you covered. You get an easy-to-use service, financial management experts, and clear guidance — all in one place.
We help you with any questions related to entrepreneurship — by phone or email. Clear, practical answers, without the accounting jargon.
Entrepreneur School offers clear articles, guides, and courses covering all stages of running a business.
A Private Trader is required by law to record all business income and expenses in accordance with the Accounting Act. Bookkeeping is used to monitor the financial position of the business and to ensure that tax returns are filed correctly.
A Private Trader may use single-entry bookkeeping if the business is small-scale and does not require double-entry bookkeeping.
A Private Trader’s profit is taxed as the entrepreneur’s personal income. The business profit is split between earned income and capital income.
Taxes are paid as prepayments, which the Tax Administration sets based on estimated profit. If your profit changes, you can adjust your prepayment tax during the year.
A Private Trader cannot pay themselves a salary — instead, money is withdrawn as owner’s drawings. Drawings are not considered salary and are not subject to separate payroll tax. The business profit is taxed as personal income regardless.
As a Private Trader, you create an invoice that includes all mandatory details: your Business ID, invoice date, a unique invoice number, client information, a description of the service or product, and VAT information (if you are VAT-registered). Invoicing tools like UKKO Entrepreneur make creating invoices straightforward and ensure all legally required fields are included correctly.
The law does not require you to use an accountant, but your bookkeeping must be done correctly and kept up to date. Many entrepreneurs choose to outsource their bookkeeping to save time and avoid errors in their tax returns. With UKKO Entrepreneur, your bookkeeping, VAT returns, and tax returns are all handled on your behalf.
In cash-basis bookkeeping, income and expenses are recorded when money actually changes hands — not when an invoice is sent or received.
This is the most common bookkeeping method for small Private Trader businesses and makes it easy to keep a clear, straightforward view of your finances.
As an entrepreneur, you are responsible for ensuring that the information, receipts, and transactions you submit for bookkeeping are accurate. When you use UKKO Entrepreneur, we review your bookkeeping based on the information you provide before any filings are submitted.
If you spot a mistake, we’ll help you correct it. By submitting your business receipts to us monthly, your bookkeeping stays consistently up to date.
Doing your own bookkeeping often carries risks that can lead to additional enquiries from the tax authority or tax penalties.
Yes, you can. If you switch to UKKO Entrepreneur during the year, we’ll handle the transition from your current accounting firm on your behalf. We can also sort out any overdue bookkeeping if needed.
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