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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 Tax Adviser

Weighted verdict

Closes the year for forty clients and needs the books to arrive in a form DATEV accepts, receipts attached. Reads "export to CSV for your Steuerberater" as an admission that nobody asked one. Wants scoped access and a clean period handover.

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

Scored by The Tax Adviser

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 Tax Adviser

A cloud module called Buchhaltung with automated expense booking and payroll is evidenced, but I found no public information on double-entry, a chart of accounts such as SKR03/SKR04, manual postings, journals, opening balances or a period close — the pitch is aimed at Swiss KMU, not at a German year-end. The word Finanzbuchhaltung in a marketing sentence is all the ledger evidence there is. 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 Tax Adviser

I found no public information on posting immutability, a change history, the statutory retention period or a Verfahrensdokumentation, and no GoBD claim appears anywhere in the captured material — a Swiss-practice product that, on what was captured, says nothing to a Betriebsprüfer. ISO 27001 and Swiss storage speak to security, not to audit survival. 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 Tax Adviser

The only filing-adjacent statement is lawful transmission of payroll, and that is Swiss payroll; I found no public information on VAT rates, UStVA, ELSTER, EÜR, reverse charge or OSS, so nothing here supports a single German filing. Fee-free FX card payments are about money movement, not VAT logic. 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 Tax Adviser

AI receipt reading and a debit card that books expenses fully automatically are evidenced, which is more than manual entry. But I found no public information on bank feeds, import formats, matching rules, e-invoicing such as ZUGFeRD or XRechnung, or documented replacement scanning — the receipt gets read, and the evidence chain goes dark after that. 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 Tax Adviser

The only adviser-relevant signals are a claim to cut Treuhand costs by 30 % a year and a developer API; I found no public information on a DATEV export, any named export format, or a scoped login for the adviser. A cost-saving promise is not a handover, and an API is not a period handover with locking. 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 Tax Adviser

Storage is stated as Switzerland with ISO 27001 and the contracting entity is bexio AG, so at least the location and the counterparty are named. But the independently sourced sovereignty record came back empty, and I found no public information on subprocessors or on an archive export that would satisfy German retention if the contract ends. 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 Tax Adviser

The captured page names no price, tier, limit, billing period or VAT treatment for anything — only that support is free around the clock — so a real annual invoice cannot be computed from any public figure. I found no public information on what any module costs. 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 →