Swiss-grade security
Keycloak with MFA and brute-force protection, complete audit log, and data residency in Switzerland.
Active development
From quote to closing balance.
One software, one flow. Swiss bookkeeping, invoicing and VAT in a continuous process – from the first quote to the final posting.
Saldio · Demo Q2 / 2026
REVENUE
CHF 124'860
+18% vs. previous quarter
Open invoices 8 CHF 14'320
VAT Q1 2026 filed ESTV form 100
Inbox receipts 23 auto-matched
The flow
Four steps. One continuous process.
Saldio carries every document from quote to ledger – no double entry, no broken hand-off between tools.
- 01
Quotes
Create, version and convert quotes into invoices with a single click.
- 02
Invoices with QR
Swiss QR invoices straight from the system – with reminders and status tracking.
- 03
Bank & Receipts
Import CAMT bank data, upload receipts and reconcile payments automatically.
- 04
Accounting & VAT
Swiss VAT filing per ESTV form 100 and year-end close at the push of a button.
Promises
Three things we get right.
Clarity
Double-entry bookkeeping with transparent drill-down – every payment and posting traceable at any time.
Speed
Native-image backend that boots in under a second and a keyboard-first UI for daily work.
Shipped
What Saldio already does today.
These features are released and in use – per tenant, per role, with full audit log.
Email delivery with PDF
Send invoices, quotes and delivery notes via SMTP – including the QR-PDF and ZUGFeRD attachment.
Factur-X / ZUGFeRD
EN 16931-compliant e-invoices as hybrid PDF with embedded XML – out of the box.
CAMT bank import
Import CAMT.053 and CAMT.054, auto-match payments and trace every booking in the audit trail.
Double-entry bookkeeping
Real debit-credit logic with polymorphic payment matching, journal and drill-down dialog on every line.
VAT automation
Quarterly filing per ESTV form 100, including automatic ledger booking of the VAT liability or credit.
Year-end close
Balance sheet and income statement per Swiss SME practice – print-ready, with the three-account model.
Complete data export
All receipts, contacts, postings and master data as a ZIP – for backups, archives or migration.
Multi-tenant
One login, any number of tenants – each with its own role and strict data isolation.
Suppliers & expenses
Capture supplier invoices, track expenses per vendor and release them for clean payments.
Built-in error tracking
Frontend errors are captured without third-party services, with SQL and Markdown export for fast triage.
Coming soon
What is next.
What pilot customers get next – tracked live in the open repository.
In development
Dunning workflow
Manage dunning levels, assign them sequentially and send out reminders as PDF automatically.
In development
Subtotals & text lines
Structured invoices with text blocks, subtotals and clean grouping per line.
Soon
Contact import with validation
CSV import with address validation, length checks and asynchronous geocoding of locations.
Planned
Multiple SMTP profiles
Per-tenant SMTP profiles for invitations, invoices and reminders.
Planned
Theme & preferences
Persist light/dark mode and per-page sizes in the browser for each user.
Made in Switzerland
Swiss software. Swiss data.
Saldio is built in Switzerland and hosted in a Swiss data centre. Your data stays under your control.
- Hosted in Switzerland
- ESTV-compliant VAT
- QR invoice & CAMT native
Join in
Become a pilot customer.
We are looking for Swiss SMEs and fiduciaries who run Saldio in real life. Pilot users shape the product as it grows.