Keep the books
A full ledger, bank feeds, invoices and VAT preparation. The core of what your current package does.
Priced per company · no per-user fees
CefiovsOthers
 | Bookkeeping software | Hiring a finance lead | |
|---|---|---|---|
| Books and bank in one place | Yes | Yes | Uses your software |
| 13-week cash forecast | Included from Business | Usually a separate tool | Built by hand |
| Tells you what needs attention | Weekly briefing, from Business | Usually not | When they're in |
| Answers questions with sources | Yes | Some have an AI assistant | By email |
| VAT return | Prepared and cash-checked; you or your accountant file it | Prepared, usually filed too | Yes |
| Holding and operating companies | From €199.95 /month; extra entities €79.95 each | Often per administration | Yes |
| Drafts reminders and reports | From Business | Varies | Yes |
| Per-user fees | None | Often | n/a |
| Cost | Start €24.95 (first 12 months, then €34.95) · Business €129.95 /month, excl. VAT | €10–300 /month, plus add-ons | A salary |
Cefio Accounting is in development and launches in January 2027; the Cefio column describes the launch scope. Comparison based on public list prices and product pages of Dutch accounting suites, July 2026. “Hiring a finance lead” describes a typical part-time arrangement. Your situation may differ.
What the alternativeslook like
Three common ways to run the numbers, and where each one stops.
A bookkeeping package
Records what happened and keeps you compliant. Dashboards show last month.
Where it stops: it doesn't tell you what is about to happen, or what to do about it.
A spreadsheet forecast
Flexible and free. Someone has to rebuild it every month from exports.
Where it stops: it's out of date the day after you make it, and nobody checks the formulas.
A part-time finance lead
Judgement and experience, a day or two a week.
Where it stops: they aren't watching your bank on a Tuesday night, and the cost starts at a salary.
Cefio prepares the action. You approve it. Never the other way round.The rule every Cefio module is built on
