Your books, solved.
Solvo reads your bank statement, recognises what happened and prepares every entry, balanced to the cent. Code checks each line, you put your signature to it. That's all it is — and that's exactly the point.
No credit card required · Cancel monthly · Your data always stays yours
every line passes the checks first — only then does it reach you
sol·vo(verb, Latin)
1. to loosen, to solve;
2. to pay, to settle.
Loosely translated: your books, solved.
Solvo is online bookkeeping for zzp'ers and SMEs in the Netherlands. You import your bank statement (works for every Dutch bank), forward your receipts and Solvo does the rest: recognising, double-entry bookkeeping, preparing your VAT, watching over invoices. What normally costs you an evening a week becomes a few minutes of confirming.
The difference with a box of software: Solvo behaves like that one friend who's good with numbers. It reports in quietly and reassuringly — "47 transactions matched, 2 need your eye" — instead of a dashboard full of blinking figures.
And because a full double-entry ledger runs underneath, Solvo grows with you: from your first invoice as a freelancer to multiple administrations, inventory and orders as an SME.
How Solvo posts — in three passes and one signature.
Most "AI bookkeeping" lets a language model guess and hopes for the best. Solvo works the way a good bookkeeper works: first the familiar, then memory, only then a proposal — and always the checks.
Recognise
Fixed patterns — your rent, your phone plan, your regular suppliers — are posted by plain, explainable rules. No magic, just logic. And Solvo remembers every correction: what you fix once goes right by itself from then on.
Propose
Only when rules and memory come up empty may AI make a proposal — strictly limited to accounts and VAT codes that actually exist. An unfamiliar situation is never guessed, but put in front of you.
Check
Every proposal — from a rule, from memory or from AI — passes the same deterministic check: does the account exist, is the VAT right, does the entry balance to the cent. Plain code, no AI. That check never sleeps and is never skipped.
…and then you put your signature to it.
Nothing is ever posted for good without your confirmation. And above the amount you set, a second pair of eyes is required — just like on a real finance department.
of proposals — including AI's — are checked by deterministic code before you see them.
entries posted without your approval. This number never moves — which is why it doesn't count up either.
layers of logic — rules, memory, similarity — before a single question goes to AI.
per week. Confirming what stands ready is the job — reading, posting and reconciling is already done.
One place where it adds up.
Six things Solvo takes off your hands — each built on the same checked bookkeeping core.
Bank & receipts, posted by themselves
Bank lines and receipts are read, recognised and prepared as balanced journal entries. Solvo learns from every correction — what you fix once goes right by itself from then on.
More about posting →VAT returns without the sweat
Prepared box by box for you to file, reconciled with the grootboek (general ledger) — including reverse-charged VAT and supplementary corrections. Return filed? Recording it locks the period.
More about VAT →Invoices that look after themselves
Professional invoices and e-invoices (UBL/Peppol), automatic payment reminders and outstanding items that reconcile with your books to the cent.
More about invoicing →Reports at annual-report level
Profit & loss, balance sheet, cash flow and working trial balance — with comparative figures and drill-down to the individual entry. Every number is a fact, not an estimate.
More about reporting →Control built in
Four-eyes approval, roles and permissions, period locks and a complete audit trail. You can always see who posted what, when — and why.
More about control →Secure, and it stays yours
Your administration is stored isolated and encrypted in the EU. And you can export it in full at any moment — audit file and all. You're never locked in.
More about security →"Your numbers. Never a guess."
Behind Solvo is a real bookkeeping specialist — not anonymous automation. The craft is baked into the product: double-entry bookkeeping, balanced journal entries, period locks, an audit trail of every action.
Solvo gives no tax or legal advice and doesn't replace your adviser. What it does do: take over the manual work and keep your administration in a state your specialist will be happy with — including audit bundle and audit file, with one click.
Made for people with a business — not with a bookkeeping diploma.
The zzp'er
Import your bank, forward receipts, confirm VAT. Your books in minutes per week.
your evening is yours againThe freelancer
Invoices that look after themselves, reminders that send themselves, numbers that always add up.
get paid soonerThe SME
Multiple administrations, inventory, orders, four-eyes control and reports with drill-down.
grip without growing painsThe adviser
A portfolio of administrations that looks, every single day, as if year-end has just been wrapped up.
files that already add upOne fixed amount per month.
No small print.
Cancel monthly · Full export, always
Learn the craft — in plain language.
Short, honest guides on bookkeeping for business owners. No jargon, no sales talk.
VAT for starters
Rates, return periods, input VAT and the KOR — what you really need to know.
Guide · 7 min "What is a journal entry, anyway?"The journal entry, explained
Debit, credit and why every entry has to balance to the cent — with examples.
Guide · 6 min "What do I need to keep track of as a freelancer?"Setting up your books as a freelancer
What the Dutch tax authority expects, what you must keep and how to keep it simple.
Guide · 8 minHonest answers.
Does Solvo work with my bank?
Yes. You import your bank statement as a file (CAMT.053, MT940 or CSV) — every Dutch bank can export one. Solvo recognises the format by itself and posts the lines. There is no live link to your bank; your bank details stay with you.
Does AI do my books?
No — and that is a deliberate choice. Most entries are posted by rules and by what Solvo has learned from you. Only when those come up empty may AI make a proposal, and every proposal is checked by deterministic code before you see it. Nothing is posted for good until you confirm.
Can I leave Solvo again?
Always. With one click you export your entire administration: all entries, relations and documents, machine-readable and readable in Excel, including the official XAF audit file. Switching is a right, not a fight.
Is my administration safe?
Your administration is isolated from every other customer (enforced down to the database), encrypted and hosted in the EU. You can sign in with two-step verification, and every action leaves a trace in the audit log. Read the details on the security page.
Does Solvo give tax advice?
No. Solvo prepares your numbers and your VAT return for you to file, and gives indications — not tax or legal advice. For advice, your own specialist or adviser remains the right person; Solvo makes sure they can work with a file that adds up.
Calm in your numbers. By tonight.
Import your bank statement, confirm what stands ready and watch your books add up — often that same evening.
Try Solvo for free