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Accounting

Papierkram

EU-Made Report an error

Panel rating · 6 judges · How to read the stars

Category median

Sovereignty: 2 of 4 dimensions proven

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

by Papierkram GmbH · www.papierkram.de

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No written verdict for this product

The panel scored Papierkram, but the summary our synthesizer wrote did not survive our own contradiction check — twice. Rather than print a paragraph we cannot stand behind, we print none. Every score, rationale and source below is unaffected; read them and draw the conclusion yourself.

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The scores

Bookkeeping core

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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 Bookkeeper

SKR03 and SKR04 are selectable, an integrated Kassenbuch and Ist-Versteuerung are on board, and EÜR plus BWA come out at the push of a button — that is honest EÜR-grade bookkeeping with a choice of standard charts. But we found no public information on double-entry postings, journals, opening balances or a month-end close, so nothing evidences a ledger that actually closes and locks. 1 2 2

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The Tax Adviser

SKR03 and SKR04 are selectable, with a Kassenbuch, EÜR, BWA and extended BWA, Ist-Versteuerung and the Kleinunternehmerregelung — a solid EÜR machine for a freelancer and more than a fixed account list. But I found no public information on double-entry postings, free manual entries, journals, opening balances or a period close, so I would not close a GmbH year on these books. 2 1 2

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The Auditor

The captured pages show an EÜR-centred bookkeeping with a selectable SKR03 or SKR04 chart, a cash book, and BWA plus extended BWA. We found no public information on double-entry journals, opening balances, free manual postings or a period close with locking — the ledger underneath the screens is not evidenced. 1 2 2

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The Founder

SKR03 and SKR04 are selectable rather than a fixed account list, with an integrated cashbook and payments booked straight into EÜR, UStVA and BWA — but this is sold as an EÜR tool for freelancers, and I found no public information on double-entry postings, journals, opening balances or a period close. 1 2 2

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The Integrator

This is EÜR-first bookkeeping: payments are booked directly for EÜR, UStVA and BWA, with a selectable SKR03 or SKR04 account framework and an integrated cash book. We found no public information on double-entry postings, manual journals, opening balances or a month-end close, so what sits underneath the screens stays simplified — a step above a fixed account list, but a long way from an accountant's ledger. 1 2 2

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The Skeptic

The pages describe an EÜR-centred bookkeeping — SKR03 and SKR04 selectable, EÜR with BWA and extended BWA, an integrated cashbook, Ist-Versteuerung — which is a genuine step above a fixed income-and-expense list. We found no public information on double-entry postings, journals, opening balances or a period close, so I cannot place it at a full ledger. 1 2 2

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GoBD, immutability & audit

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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 Bookkeeper

A "GoBD-zertifiziert" claim appears on the marketing pages, a digitales Belegarchiv exists, and retention is stated — data remain stored up to 10 years even after a downgrade to the Free version. Beyond that claim and the retention statement, though, we found no public information on an audit trail, on postings becoming unalterable, or on a supplied Verfahrensdokumentation. 1 2 4 1

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The Tax Adviser

The captured pages claim GoBD certification in several places and statutory retention of up to ten years is stated, including ten-year storage after a downgrade to the free version. But I found no public information on a Verfahrensdokumentation supplied to the customer, an audit trail of changes to postings, or an auditor-format export — a certification label without those papers is not something I can hand a Betriebsprüfer. 1 2 3 4 1

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The Auditor

GoBD is asserted in three places, even as "GoBD-zertifiziert Erfüllt alle Vorgaben der GoBD", and retention of up to ten years is stated — but no certifier is named. We found no public information on a Verfahrensdokumentation, an exportable change history, or postings that become unalterable after close with corrections booked as reversals; for a Betriebsprüfung that is an assertion without the paper trail behind it. 1 2 4

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The Founder

A GoBD certification claim is repeated on the homepage, pricing and imprint, and ten-year storage is promised even after a downgrade to the free version — but I found no public information on unalterable postings, a change log, a Verfahrensdokumentation, or a GoBD-compliant export for the auditor. 1 2 4

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The Integrator

The captured pages assert "GoBD-zertifiziert Erfüllt alle Vorgaben der GoBD" and state statutory retention up to ten years, including ten years of storage after a downgrade to the free plan, which is more than a bare marketing claim. But we found no public information on who issued the certification, on a Verfahrensdokumentation, on an audit trail for postings, or on a GoBD data export for the Betriebsprüfer — the exports described are CSV and DATEV. 1 2 4

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The Skeptic

The pages print "GoBD-zertifiziert — Erfüllt alle Vorgaben der GoBD", and ten-year storage of data even after a downgrade to the Free version is publicly promised. We found no public information naming the certifying body, on a supplied Verfahrensdokumentation, on a change history or tamper-evident postings, or on an export for the auditor — so the certification statement stands alone on the page, which is the pattern I have seen too often. 1 2 1

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Tax handling & filings

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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 Bookkeeper

The UStVA is prepared monthly, quarterly or annually and handed over as an XML file for the Elster portal, the EÜR is produced, and Kleinunternehmerregelung and Ist-Versteuerung are switchable. Submission is the user uploading the XML rather than the product transmitting, and we found no public information on reverse-charge, intra-community supply, OSS or Zusammenfassende Meldung. 1 2 2

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The Tax Adviser

UStVA at monthly, quarterly or annual rhythm, EÜR at the press of a button, the Kleinunternehmerregelung and Ist-Versteuerung are all evidenced, and the UStVA goes out as an XML file into the Elster portal, with the client doing the upload. I found no public information on reverse-charge, intra-community supplies, OSS, the Zusammenfassende Meldung or any balance-sheet output, so the routine filings are covered and the special cases are not. 1 2 1 2

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The Auditor

UStVA (monthly, quarterly, annually) and EÜR are produced, Kleinunternehmerregelung and Ist-Versteuerung are supported, and the UStVA can be filed via an XML file in the Elster portal. We found no public information on reverse-charge and intra-community handling, OSS, Zusammenfassende Meldung or Dauerfristverlängerung, and the submission is a manually uploaded file rather than validated transmission from the system. 1 2 2

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The Founder

UStVA and EÜR come at a button press, the UStVA travels as an XML file into the Elster portal, and Kleinunternehmerregelung and Ist-Versteuerung are switchable — but I upload that file myself, and I found no public information on reverse-charge, intra-community supply, OSS or Zusammenfassende Meldung. 1 2 2

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The Integrator

The UStVA is created for monthly, quarterly and annual periods with an XML file for submission in the Elster portal, EÜR and BWA come at the press of a button, and both the Kleinunternehmerregelung and Ist-Versteuerung are selectable. We found no public information on reverse-charge and intra-community handling, OSS, Zusammenfassende Meldung, Dauerfristverlängerung or correction filings — for an agency billing across borders, that half of the filing year is invisible on these pages. 1 2 2

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The Skeptic

UStVA is prepared monthly, quarterly or annually and submitted via an XML file in the Elster portal, the EÜR is produced at a keystroke, and Kleinunternehmerregelung and Ist-Versteuerung are switchable — the routine filings of an EÜR business. We found no public information on reverse charge, intra-community supplies, OSS, Zusammenfassende Meldung or Dauerfristverlängerung, which keeps it short of a fully handled filing year. 1 2 2

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Receipts, banking & matching

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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 Bookkeeper

PSD2-conform automatic account fetch plus PayPal, MT940/CAMT import, KI receipt recognition with Magic Suggest+ and a digital Belegarchiv with per-plan quotas, and XRechnung/ZUGFeRD creation make a solid intake. We found no public information on rule-based or learning matching, on inbound e-invoice reception, or on documented replacement scanning — so I cannot judge how many exceptions survive the automation. 2 1 2

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The Tax Adviser

PSD2-conform automatic account retrieval including PayPal, MT940/CAMT import, AI receipt recognition under the name Magic Suggest+, a digital Belegarchiv and outbound XRechnung and ZUGFeRD creation are all evidenced, with plan quotas for banks, receipts and storage. I found no public information on matching rules that learn, on receiving e-invoices inbound, or on documentation of ersetzendes Scannen, so my clients must keep the paper. 1 2 1 2

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The Auditor

PSD2-compliant account retrieval plus PayPal, MT940/CAMT import, AI-supported receipt recognition (Magic Suggest+) and a digitales Belegarchiv are all stated, with receipt quotas per plan. We found no public information on rule-based automatic matching with learning, inbound e-invoices, or documented replacement scanning, so the evidence chain is assembled but not closed. 2 1 2

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The Founder

PSD2-conform automatic account retrieval plus PayPal, MT940/CAMT import, a digital receipt archive and AI receipt recognition with Magic Suggest+ are all documented, with XRechnung and ZUGFeRD creation on top — but the matching story I actually buy this for is silent, and I found no public information on suggested or rule-based matches, inbound e-invoices or replacement scanning. 2 1 2

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The Integrator

PSD2-conform account retrieval — including a PayPal account — plus MT940/CAMT import, a digital receipt archive with AI content recognition ("Magic Suggest+") and outbound XRechnung/ZUGFeRD creation get evidence and money most of the way into the ledger. We found no public information on inbound e-invoice ingestion, rule-based matching or replacement scanning, and the REST interface is labelled "REST-API (BETA)" with credit allowances per plan — not yet a surface I would hang a shop or payroll connection on. 2 1 2

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The Skeptic

PSD2-conform automatic retrieval of online accounts including PayPal, MT940/CAMT import, KI-supported receipt recognition with plan limits from 15 Belege per month, a digitales Belegarchiv and outbound XRechnung and ZUGFeRD are all publicly stated. We found no public information on rule-based or learning matching, on inbound e-invoice processing, or on replacement scanning, so evidence arrives but the matching layer stays undescribed. 2 1 2

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Tax adviser handoff

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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 Bookkeeper

Booking data of any chosen interval exports in DATEV format and a Steuerberaterzugang exists — that is a documented DATEV export plus an adviser login. We found no public information on receipt images riding along in the DATEV export with correct linking, on the adviser access being scoped or audited, or on corrections flowing back. 2 2

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The Tax Adviser

Booking data can be exported in DATEV format for any chosen interval, and a Steuerberaterzugang exists — the minimum I need to receive a year. I found no public information on whether the DATEV export includes the receipt images with correct linking, whether the adviser login is read-only with its changes logged, or on any period handover with locking. 2 2

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The Auditor

A DATEV export of booking data for any chosen interval and a Steuerberaterzugang are listed on the pricing pages. We found no public information on whether receipt images travel with the DATEV export, whether the adviser's access is read-only or scoped, or any audit of what the adviser changed. 2 2

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The Founder

Booking data exportable in DATEV format for any interval, a Steuerberaterzugang and CSV export are exactly the handoff I need on a Sunday — though the captured pages do not say whether the adviser login is read-only, or whether receipt images ride along in the DATEV export. 2 2

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The Integrator

"Buchungsdaten eines beliebigen Intervalls im DATEV-Format exportieren" plus a Steuerberaterzugang is the standard handoff done properly: postings go out in DATEV format and the adviser has a way in. We found no public information on receipt images inside the DATEV export with correct linking, a maintained DATEV interface, or a scoped adviser login with an audit of what the adviser changed. 2 2

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The Skeptic

The pricing pages list a DATEV export of booking data for any chosen interval and a Steuerberaterzugang, next to a general CSV export. We found no public information on receipt images inside the DATEV export, on whether the adviser access is read-only or scoped, or on the plan where the DATEV export begins — a documented export plus adviser access, and nothing further shown. 2 2

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European sovereignty panel opinion

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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 Bookkeeper

Hosting is named and German — primary in Frankfurt (rh-tec), backup in Falkenstein (Hetzner) — under a German contracting entity (odacer finanzsoftware GmbH, Wiesbaden) with a published subprocessor list. But the chain has non-EU parts: HelpScout (USA) runs the support chat inside the Papierkram application, jsDelivr (UK) and Google Analytics sit on the website, and we found no public information on where the Magic Suggest AI recognition processes; ten-year storage after a downgrade to the Free version plus CSV export give a partial departure path. 1 3 4 1

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The Tax Adviser

A German contracting entity, named data centres in Frankfurt and Falkenstein with TÜViT certification, and a published subprocessor list are all evidenced. But the chain includes Help Scout in the USA processing in-application support requests and Google Analytics listed with Ireland and the USA, and I found no public information on an archive export that satisfies retention after leaving — the ten-year storage promise is tied to staying on, downgraded to the free version. 1 3 4 1

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The Auditor

A German contracting entity, hosting in Germany on named data centres (Frankfurt via rh-tec, backup in Falkenstein via Hetzner), and a subprocessor list that names Help Scout in the USA for the in-application support chat without a described safeguard. Data retention of up to ten years after a downgrade to the free version is stated; we found no public information on a documented archive export that satisfies statutory retention once the contract ends. 1 3 4

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The Founder

German contracting entity in Wiesbaden, servers named in Frankfurt (rh-tec) and Falkenstein (Hetzner) in TÜViT-certified datacenters, and a published subprocessor list — but that list names Help Scout (USA) for the in-application support chat and Google Analytics, and while ten years of storage after a downgrade to Free is promised, I found no public information on a documented archive export for the retention period. 1 3 4

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The Integrator

A German contracting entity with development, hosting and operation in Germany on named data centres — Frankfurt (rh-tec) primary, Falkenstein (Hetzner) backup — and a published subprocessor list. But the chain has non-EU links: Help Scout (USA) processes support chat inside the application, and Google Analytics (Ireland/USA) and jsDelivr (UK) sit on the website, with no safeguard explained beyond a certification note for Google; the only retention-after-leaving statement we found is the ten years of storage after a downgrade to the free plan. 1 3 4 1

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The Skeptic

Development, hosting and operation in Germany are stated with named datacentres in Frankfurt (rh-tec) and Falkenstein (Hetzner), the contracting entity is the German odacer finanzsoftware GmbH, and the privacy policy names its subprocessors. Among them sit Help Scout in the USA for the in-application support chat and Google Analytics with acknowledged USA transfers, and we found no public information on safeguards for those non-EU parts or on a documented archive export for retention after departure — durability rests on data remaining up to ten years in the Free version plus CSV export. 1 3 4 1

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Pricing transparency

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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 Bookkeeper

All four tiers are public — "Free 0,00€ / Mon.", "S 9,90€ / Mon.", "M 19,90€ / Mon.", "L 39,90€ / Mon." net plus German VAT — with monthly or annual billing, "Jährlich -20%", a priced additional user (2,90 € in a monthly package, 2,32 € in an annual package) and the main limits per tier for storage, bank connections, receipt quota and API credits. We found no public information on an explicit price for the adviser seat or on which tier unlocks the DATEV export, so the full annual invoice for an adviser-supported business is not fully computable. 2 2

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The Tax Adviser

All four plans are public at 0,00 €, 9,90 €, 19,90 € and 39,90 € per month net plus statutory German VAT, with a 20 % annual discount, cancellation to the end of the chosen term, an additional user at 2,90 € per month on a monthly package and 2,32 € per month on an annual package, and the bank, receipt and storage limits per plan. What I could not compute is the adviser's part: I found no public information on which plan includes the DATEV export or what a Steuerberaterzugang costs, and the captured pages give different figures for the plan prices where a 30 % discount code applies. 2 1 2

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The Auditor

All four plans carry public net monthly prices with VAT treatment stated, plus extra-user prices, plan limits for storage, bank connections and receipts, and the billing term with cancellation terms. We found no public information on a price for the tax adviser seat or where the DATEV export sits among the plans, so a buyer still cannot fully compute the year's invoice from the public pages. 2 2

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The Founder

Tier prices, monthly versus annual billing with the annual discount, net prices plus German VAT, storage, bank connections, receipt quotas, API credits and the exact extra-user cost of 2,90 € monthly or 2,32 € in an annual package are all public — but I found no public information on a price for the adviser seat, or on which tier the DATEV export begins. 2 2

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The Integrator

The Free, S, M and L monthly prices are public (0,00 €, 9,90 €, 19,90 €, 39,90 € net plus VAT), with the annual discount, the per-user price ("2,90 € pro Monat in einem Monatspaket"), billing period, cancellation terms and the load-bearing limits — bank connections, receipts per month, storage, API credits — all stated. We found no public information on overage charges, or on which tier includes the DATEV export and whether the Steuerberaterzugang is priced or free, so the annual invoice for an adviser-supported business is not fully computable from the public pages. 2 2

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The Skeptic

All four plans are public — Free at 0,00 €, S at 9,90 €, M at 19,90 €, L at 39,90 € per month, net plus German VAT, monthly or annual at 20 % off — with storage, receipt and bank-connection limits, API credits, cancellation terms and the additional user at 2,90 € in a monthly package or 2,32 € in an annual package. What a buyer still cannot compute: we found no public information on a price for the Steuerberaterzugang, on overage past the 15 receipts per month on S, or on which plan first includes the DATEV export — and a third bank account on S is only answered by the jump to M's unlimited connections. 2 2

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European sovereignty — proven facts

2 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 ⚠ unverified — uncited Report an error
Data residency EU only ⚠ unverified 3/3 pts 5 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.

Sources (14)

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

  1. 1 Vendor homepage www.papierkram.de Checked 28 Sep 2026 +1 earlier capture: 15 Sep 2026 Details →
  2. 2 Pricing www.papierkram.de Checked 28 Sep 2026 +2 earlier captures: 15 Sep 2026, 11 Sep 2026 Details →
  3. 3 Imprint www.papierkram.de Checked 28 Sep 2026 Details →
  4. 4 Privacy policy www.papierkram.de Checked 28 Sep 2026 Details →
  5. 5 Security / trust page www.papierkram.de Checked 30 Sep 2026 Details →
  6. 6 Bookkeeping core — found from sitemap www.papierkram.de Checked 1 Oct 2026 Details →
  7. 7 Bookkeeping core — found from sitemap www.papierkram.de Checked 1 Oct 2026 Details →
  8. 8 GoBD, immutability & audit — found from sitemap www.papierkram.de Checked 1 Oct 2026 Details →
  9. 9 Tax handling & filings — found from sitemap www.papierkram.de Checked 1 Oct 2026 Details →
  10. 10 Tax handling & filings — found from sitemap www.papierkram.de Checked 1 Oct 2026 Details →
  11. 11 Receipts, banking & matching — found from sitemap www.papierkram.de Checked 1 Oct 2026 Details →
  12. 12 Receipts, banking & matching — found from sitemap www.papierkram.de Checked 1 Oct 2026 Details →
  13. 13 Tax adviser handoff — found from sitemap www.papierkram.de Checked 1 Oct 2026 Details →
  14. 14 Tax adviser handoff — found from sitemap www.papierkram.de Checked 1 Oct 2026 Details →