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bexio

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Panel rating · 6 judges · How to read the stars

Category median

Sovereignty: 1 of 4 dimensions proven

0–5 in half steps. 5 means the rubric's top anchor is met on the evidence.

by bexio AG · www.bexio.ch

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Read this page as one judge. Each weighs the same scores by what they care about.

The Auditor

Weighted verdict

Arrives with a Betriebsprüfung and asks for the data export and the Verfahrensdokumentation. Wants postings that cannot be altered after the fact, corrections booked as reversals, a complete change history, and retention that survives the full statutory period.

Same scores as the panel view — this lens weights them the way this judge cares.

Scored by The Auditor

Bookkeeping core

How this is scored

Double-entry, the chart of accounts (SKR03/SKR04), postings, journals, opening balances and period closing — the ledger underneath the pretty screens.

0 — Income-and-expense lists only; no double-entry, no chart of accounts, no journal.

3 — Simplified bookkeeping suitable for EÜR with a fixed account list; no free posting, no period close.

5 — Double-entry with SKR03/SKR04, manual postings, journals, opening balances and a month-end close.

8 — Full ledger with cost centres, recurring and reversing entries, accruals, multi-year comparatives, and a documented close checklist with locking.

10 — An accountant's ledger: configurable charts including customised accounts, period locking with audit, foreign currency with documented valuation, group or multi-entity handling, and reporting that reconciles to the trial balance.

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The Auditor

The captured page bundles Buchhaltung, Rechnungen and Lohnbuchhaltung into one cloud system and promises automated Finanzbuchhaltung, which is more than an income-and-expense list. But we found no public information on double-entry mechanics, a chart of accounts, journals, opening balances or a period close with locking, so the ledger underneath the screens cannot be assessed. Until I can see postings that lock at period end, this rates as simplified bookkeeping at best. 1

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GoBD, immutability & audit

How this is scored

Whether the record survives a tax audit: unalterable postings, complete change history, retention across the statutory period, and a Verfahrensdokumentation the vendor actually supplies.

0 — Postings can be edited or deleted without trace; no retention statement, no GoBD claim, no documentation.

3 — GoBD asserted on the marketing page with nothing behind it — no described audit trail, no documentation offered, no statement on retention.

5 — Postings become unalterable after close with corrections booked as reversals, a change log exists, and the statutory retention period is stated.

8 — Documented GoBD conformity with a supplied Verfahrensdokumentation template, complete and exportable audit trail, receipts linked to postings, and a GoBD-compliant data export (GDPdU/Z3) for the auditor.

10 — Audit-ready as a product feature: an independent GoBD certification or attestation published, Verfahrensdokumentation maintained per release, tamper-evident journals, retention executed across the full statutory period, and an export the Betriebsprüfer accepts without argument.

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The Auditor

I arrive asking for the Verfahrensdokumentation and the data export, and the captured pages provide nothing to hand the Betriebsprüfer: no GoBD or equivalent conformity claim, no described change history, no statement that corrections are booked as reversals, and no retention statement. The ISO 27001 certificate covers the security of Swiss hosting, not the immutability of postings or statutory retention. 1

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Tax handling & filings

How this is scored

VAT logic and the filings that follow: UStVA, ELSTER submission, EÜR or Bilanz, OSS for cross-border sales, and reverse-charge handling.

0 — No VAT logic beyond a rate field; no filings, no ELSTER.

3 — VAT rates and a UStVA figure to copy out by hand; no electronic submission, no special cases.

5 — UStVA prepared and submitted electronically via ELSTER, EÜR or a simple balance sheet produced, and reverse-charge and intra-community supply handled.

8 — The above plus OSS handling for cross-border B2C, Zusammenfassende Meldung, small-business (§19) and Ist/Soll taxation, permanent extension (Dauerfristverlängerung), and E-Bilanz where relevant.

10 — The filing year is handled end to end: every routine German filing generated and submitted electronically with validation before sending, cross-border VAT determined from the transaction rather than by hand, and correction filings supported.

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The Auditor

The only filing-adjacent fact is salaries transmitted 'sicher und gesetzeskonform' for Swiss payroll, alongside an invoicing module. We found no public information on VAT logic, any VAT return, or electronic submission to a tax authority; for the German chain — UStVA via ELSTER, EÜR, reverse charge, OSS — there is nothing published to evaluate. 1

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Receipts, banking & matching

How this is scored

How evidence and money get into the ledger: bank feeds, receipt capture, OCR, matching rules, and whether the digital receipt is legally sufficient on its own.

0 — Manual entry only; no bank connection, no receipt storage.

3 — Bank statement import by file and receipt upload as plain attachments; matching is entirely manual.

5 — Automatic bank feeds for the major German banks, receipt upload with OCR, suggested matches, and receipts linked to their postings.

8 — PSD2 feeds across many institutions, rule-based automatic matching with learning, e-invoice handling (ZUGFeRD/XRechnung) both directions, and replacement scanning (ersetzendes Scannen) documented so paper can be destroyed.

10 — The evidence chain is closed: every posting reaches its receipt in one click, e-invoicing inbound and outbound as standard, documented compliant archiving of the digital original, and matching accurate enough that exceptions rather than transactions are the work.

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The Auditor

Receipt capture goes beyond plain attachments: the pages promote 'KI-Belegauslese' said to save up to 12 hours of office work per month, and a bexio Pay debit card with 'vollständig automatisierten und kontaktlosen Verbuchung' of expenses. We found no public information on bank statement feeds, matching rules, e-invoice formats or compliant archiving of scanned originals, so the chain from money and paper to posting is evidenced only for card spend and AI read-out. 1

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Tax adviser handoff

How this is scored

How the books reach the Steuerberater — DATEV above all — and whether the adviser can work in the system rather than around it.

0 — No adviser access and no accounting export; the year-end is a pile of PDFs.

3 — Generic CSV or Excel export described as "suitable for your tax adviser", with no named format.

5 — A documented DATEV export (postings and, ideally, receipts) plus a read-only login for the adviser.

8 — DATEV export including receipt images with correct linking, or a maintained DATEV interface; the adviser gets their own scoped access with an audit of what they changed.

10 — The adviser is a first-class user: bidirectional DATEV exchange including corrections coming back, or a certified interface; period handover with locking, and a workflow where adviser queries are resolved inside the system.

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The Auditor

The marketing names the Swiss adviser — the claim of cutting 'Treuhand-Kosten um 30 % pro Jahr' implies collaboration — and a Developer API is published. We found no public information on a DATEV or other named export, adviser access rights, or what the adviser receives at year-end, and a savings claim is not a handoff format. 1

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European sovereignty

How this is scored

Where the books live and who could be compelled to produce them — plus, uniquely here, whether statutory retention survives leaving the vendor. Independently sourced by the sovereignty pipeline.

0 — Non-EU vendor and contracting entity, hosting unstated or non-EU, subprocessors unnamed — with a ten-year retention obligation attached to data held abroad.

3 — EU hosting offered while the contracting entity is non-EU, or the subprocessor list is absent.

5 — EU hosting as standard and an EU contracting entity, but parts of the chain — OCR, AI categorisation, support tooling — are non-EU without an explained safeguard.

8 — EU or German hosting on named infrastructure, EU contracting entity, full subprocessor list published, and a stated export that satisfies retention if the contract ends.

10 — Sovereign and durable: German or EU hosting throughout, every subprocessor European, certification published, and a documented archive export that keeps the customer compliant for the full retention period after they leave.

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The Auditor

Storage in Switzerland under ISO 27001 is stated plainly and the contracting entity is bexio AG, so the location is known but outside the EU. We found no public information on subprocessors or on an export that preserves statutory retention if the contract ends, which is exactly what an auditor needs to see before the books move. 1

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Pricing transparency not rated — the vendor publishes no price

How this is scored

Whether a business can compute the real annual invoice — including the bookings, users, bank accounts and adviser access they actually need — from public pages alone.

0 — No public prices at all; every tier is a sales conversation.

3 — A headline monthly price exists, but booking or document limits, extra users or the tier where DATEV export begins are unstated.

5 — Tier prices public with billing period stated and the main limits given, but at least one commonly needed piece (DATEV export, extra bank accounts, adviser seat) sits in an unpriced tier.

8 — Every tier and add-on priced publicly with limits, overage, minimum term and VAT treatment stated; adviser access priced or explicitly free.

10 — Complete price computability: annual invoice derivable for a given transaction volume, user count and feature set, including overage and the year-end extras.

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The Auditor

The captured page carries no tier prices, limits, billing periods or VAT treatment; the only cost facts found are free 24/7 support 'ohne versteckte Kosten' and fee-free foreign-currency payments. No business could compute a real annual invoice from what is public here. 1

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European sovereignty — proven facts

1 of 4 dimensions proven

Built only from facts shown on the vendor's own pages. A dimension we could not prove is left open, not scored as zero.

Ownership Not determined — uncited Report an error
Data residency Not determined ⚠ unverified — uncited Report an error
Subprocessors Not determined ⚠ unverified — uncited Report an error

Where this could be wrong

What we left out

A claim that does not survive our checks costs us the claim, not the page. This is what was taken off this one.

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Sources (10)

The pages every claim on this page was read from — each one checked, dated, and kept verifiable.

  1. 1 Vendor page www.bexio.ch Checked 22 Sep 2026 Details →
  2. 2 Imprint — found from the homepage www.bexio.com Checked 30 Sep 2026 Details →
  3. 3 Privacy policy — found from the homepage www.bexio.com Checked 30 Sep 2026 Details →
  4. 4 Security / trust page — found from the homepage www.bexio.com Checked 30 Sep 2026 Details →
  5. 5 Bookkeeping core — found from sitemap www.bexio.com Checked 1 Oct 2026 Details →
  6. 6 Bookkeeping core — found from sitemap www.bexio.com Checked 1 Oct 2026 Details →
  7. 7 Tax handling & filings — found from sitemap www.bexio.com Checked 1 Oct 2026 Details →
  8. 8 Tax handling & filings — found from sitemap www.bexio.com Checked 1 Oct 2026 Details →
  9. 9 Receipts, banking & matching — found from sitemap www.bexio.com Checked 1 Oct 2026 Details →
  10. 10 Receipts, banking & matching — found from sitemap www.bexio.com Checked 1 Oct 2026 Details →