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Property & WEG Management

Karthago

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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 Karthago Systeme GmbH · www.karthago.de

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

The Accountant

Weighted verdict

Prepares the settlement and answers for its form. Cares that the Abrechnungsspitze is shown separately, that the Rücklage is genuinely segregated trust money rather than a labelled balance, and that heating costs apportion per HeizkostenV without a spreadsheet.

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

Scored by The Accountant

Wirtschaftsplan, Jahresabrechnung & Rücklage

How this is scored

The statutory financial cycle: business plan, annual settlement in the form the law and the BGH require, distribution keys, and the separate handling of reserve funds held in trust for the community.

0 — General bookkeeping only; no Wirtschaftsplan, no Jahresabrechnung, no distribution keys, reserves treated as ordinary balances.

3 — Templates that help a human produce the documents, with distribution keys entered by hand and no separation of the Rücklage.

5 — Wirtschaftsplan and Jahresabrechnung generated from the ledger with configurable distribution keys (MEA, units, consumption), and reserves booked separately.

8 — Settlement in the post-2021 BGH form with the Abrechnungsspitze shown separately, Vermögensbericht produced, heating-cost apportionment per HeizkostenV integrated, owner-change apportionment mid-year handled, and Hausgeld arrears tracked with dunning.

10 — The whole financial year is discharged inside the system: multi-community bookkeeping with strict per-WEG separation, trust accounting for reserves with its own reporting, settlement documents an accountant would sign, and the arithmetic auditable back to individual postings.

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The Accountant

"Doppelte Buchhaltung" and a "WEG- & Nebenkostenabrechnung" module are named, so this is more than raw bookkeeping — but the evidence says nothing about a Wirtschaftsplan, configurable distribution keys, or the Rücklage as segregated trust money, and nothing on the Abrechnungsspitze or HeizkostenV apportionment. A settlement module I cannot trace to keys or segregated reserves is template-level in my books. 1 3

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Eigentümerversammlung & Beschluss-Sammlung

How this is scored

Convening, running and recording the owners' meeting — including the resolution register the law requires the administrator to maintain, and the majority arithmetic that decides whether a resolution stands.

0 — No meeting support; invitations and minutes are written elsewhere and the Beschluss-Sammlung is a document somewhere.

3 — Invitation templates and a place to store minutes, but no agenda structure, no voting support and no maintained resolution register.

5 — Agenda-driven invitations respecting the notice period, attendance and proxy recording, voting with the common majority types, and a Beschluss-Sammlung kept as a numbered register.

8 — Quorum and majority computed per resolution type including MEA-weighted and qualified majorities, proxies and voting restrictions handled, minutes generated from the recorded votes, and the register maintained continuously with amendment and invalidation notes as § 24 (7) requires.

10 — The meeting is conducted in the system: hybrid or written circulation procedures supported with their own legal rules, contested resolutions flagged within the challenge period, the register complete and exportable as evidence, and every entry traceable to the meeting that produced it.

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The Accountant

The evidence is entirely silent on convening, agendas, minutes, majority arithmetic or a Beschluss-Sammlung; the only owner-facing mention is generic "Kommunikation mit Eigentümern und Mietern". No meeting support is evidenced at all, which the anchors score as zero. 1

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Owner & tenant self-service

How this is scored

How an owner exercises their right to see the records, and how much routine correspondence the portal removes: statements, documents, meeting papers, defect reporting.

0 — No portal; every request is answered by email or post.

3 — A document download area with no per-owner scoping — everyone sees the same folder, or access is by emailed link.

5 — Per-owner login showing their own statements, documents and meeting papers, with a defect or request form that reaches the administrator.

8 — Owners and tenants scoped separately with correct visibility, meeting papers and voting available in the portal, defect reports with status visible to the reporter, and consumption or arrears shown per unit.

10 — The portal discharges the disclosure duty: every record an owner is entitled to see available on demand with an access log, tenant and owner views strictly separated, notifications for statutory deadlines, and enough self-service that routine correspondence largely disappears.

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The Accountant

Communication with owners and tenants is claimed inside the one solution, but no owner portal, per-owner login, statement access or defect form is evidenced anywhere — the only form the evidence shows is the vendor's own sales consultation. Without any per-owner scoping evidence I cannot credit real self-service. 1 3

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Maintenance, defects & contractors

How this is scored

The building side: defect intake and tracking, recurring maintenance obligations, contractor assignment, and the evidence trail when something goes wrong.

0 — Defects arrive by phone and live in a notebook; no maintenance schedule.

3 — A ticket or note list per property, contractors contacted outside the system, no recurring maintenance calendar.

5 — Defect records per unit or property with status and photos, contractor assignment with a work order, and a recurring maintenance schedule with reminders.

8 — Warranty and Gewährleistung periods tracked against the responsible trade, statutory inspections (lift, heating, fire safety, drinking-water) scheduled with proof of completion stored, quotes and invoices linked to the defect, and cost allocated to the correct account.

10 — A defensible operating record: every obligation, inspection and defect with its evidence and dates, contractor performance visible, budget consumption against the Wirtschaftsplan tracked live, and a history that answers the question of what the administrator knew and when.

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The Accountant

"Digitales Facility Management" appears in the module list, which is more than a notebook, but the evidence shows no defect records with status, no recurring-maintenance calendar, no statutory inspection tracking and no contractor work orders. I credit the module's existence, not capabilities the evidence does not evidence. 3

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Documents, retention & handover

How this is scored

The archive and the exit. A Verwalter's appointment is finite by law, and the records belong to the community — so handover is a statutory event, not a support ticket.

0 — Documents live on a shared drive; no retention rules, and handover means copying folders.

3 — Central document storage per property with folders and upload, but no versioning, no retention policy and no defined handover export.

5 — Structured document management per property and unit with search, retention periods stated, and a documented export of a community's records.

8 — Full-text search across the archive, version history, documents linked to the resolutions and settlements that reference them, and a complete handover package (ledger, register, documents, master data) in open formats.

10 — Handover is a first-class feature rather than an obstacle: a complete, structured export a successor administrator can actually load, retention executed per statutory period, an access log over the archive, and no commercial friction placed in the way of a community leaving.

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The Accountant

"Integriertes Dokumentenmanagement" is named, but there is no versioning, no stated retention policy and no defined handover export — rubric level 3 territory. The Verwaltungsübergabe is a statutory event and it is completely unaddressed. 3

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European sovereignty

How this is scored

Where the community's financial and personal records live, who the contracting entity is, and which subprocessors touch them. Independently sourced by the sovereignty pipeline; scored here as this buyer weighs it.

0 — Non-EU vendor and contracting entity, hosting unstated or non-EU, subprocessors unnamed.

3 — EU hosting offered as an option 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 — document OCR, AI features, support tooling — are non-EU without an explained safeguard.

8 — German or EU hosting on named infrastructure, EU contracting entity, complete subprocessor list published, any non-EU processing named with its legal basis.

10 — Sovereign end to end and evidenced: vendor, entity, hosting and every subprocessor European, certification published, and an export that keeps the community compliant for the full retention period after the appointment ends.

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The Accountant

German cloud servers are explicitly claimed with certified data protection, and on-premise keeps every posting in the Verwaltung's own hands — genuinely good signals. But the subprocessor list is absent, the hosting infrastructure is unnamed beyond "deutsche Server", and the contracting structure is muddied by Aareon appearing in the consent text without clarification, so the anchor that punishes an absent subprocessor list caps this. 1 2 3

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Pricing transparency not rated — the vendor publishes no price

How this is scored

Whether an administrator can compute the real annual cost for the units under management — including modules, per-community fees and setup — from public pages alone.

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

3 — A per-unit or per-community headline exists, but modules, minimum terms, setup or migration fees are unstated.

5 — Per-unit or per-community prices public with billing period stated, but at least one commonly needed piece (portal, accounting module, document storage) sits in an unpriced bundle.

8 — Every tier and module priced publicly with per-unit maths, minimum term, setup and migration costs and VAT treatment stated; only genuinely custom enterprise work lacks a number.

10 — Complete price computability: annual invoice derivable for a given number of units and communities including every module, with no per-seat surprises and any exit or export fee stated outright.

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The Accountant

Not a single price appears in the captured pages; the only commercial path is a consultation form demanding managed units and workstation counts — the textbook "every quote is a sales conversation". A Verwalter cannot compute any annual cost from these pages. 3

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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 EU only ⚠ unverified 3/3 pts 1 Report an error
Subprocessors Not determined — 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 (4)

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

  1. 1 Vendor homepage www.karthago.de Checked 15 Sep 2026 Details →
  2. 2 Imprint www.karthago.de Checked 15 Sep 2026 Details →
  3. 3 Privacy policy www.karthago.de Checked 15 Sep 2026 Details →
  4. 4 Security / trust page www.aareon.de Checked 30 Sep 2026 Details →