Accountable

TL;DR

Manages bookkeeping, invoicing, banking, and taxes in one app.
Features an AI Tax Advisor for 24/7 questions and a Tax Guarantee.
Specifically designed for freelancers and self-employed individuals in Belgium.
Offers a comprehensive free-forever plan for essential invoicing.

What is Accountable

Accountable is an AI-powered financial management and tax application built specifically for self-employed professionals, freelancers, and sole proprietors in Belgium. It serves as an all-in-one solution to the core problem of managing complex administrative tasks by integrating bookkeeping, PEPPOL e-invoicing, expense management, bank account synchronization, and tax preparation into a single, user-friendly platform. The app leverages AI to automate data entry, provide real-time financial insights, and offer instant tax advice through its AI Tax Advisor, simplifying compliance with the Belgian tax system.

Key Features

AI Tax Advisor: Get 24/7 answers to questions about Belgian taxes, bookkeeping, and deductibility. The AI is trained on local tax law and can provide personalized advice based on your financial data.
Tax Declaration Guarantee: Paid plans include a guarantee that covers fines (up to €10,000 on the GROW MAX plan) resulting from errors in tax returns filed through the app, providing significant peace of mind.
Automated Expense Management: Digitize your bookkeeping by scanning receipts with your phone. The app uses AI to automatically recognize and categorize expense data, linking it to bank transactions.
Integrated Invoicing and Banking: Create and send unlimited professional, compliant e-invoices for free, including via the PEPPOL network. Connect bank accounts to automatically match payments and track your financial health in real-time.
Human Tax Coach Access: The premium plan offers direct access to human tax coaches for personalized, one-on-one support for complex financial questions and situations.

Who is Accountable for?

Freelancers and self-employed individuals in Belgium
Complementary (part-time) self-employed professionals in Belgium
Student entrepreneurs operating under the Belgian system
Sole proprietors (personne physique/eenmanszaak) who want to manage their own tax obligations

Key Use Cases & Applications

Automating bookkeeping by scanning receipts and connecting bank accounts.
Generating and sending compliant PEPPOL e-invoices for free.
Preparing and filing VAT returns and personal income tax declarations directly from the app.
Getting instant answers to tax-deductibility questions using the AI Tax Advisor.
Forecasting tax and social contribution liabilities in real-time to avoid financial surprises.

Pros

Offers a comprehensive free-forever plan for essential invoicing and banking.
Unique Tax Declaration Guarantee covers fines from errors, providing significant user confidence.
AI Tax Advisor provides instant, 24/7 answers to Belgian tax questions, reducing reliance on external advice for simple queries.
All-in-one platform combines bookkeeping, invoicing, banking, and tax prep, eliminating the need for multiple tools.
Direct PEPPOL e-invoicing capability is a major advantage for B2B and B2G business in Europe.

Cons

Currently does not support company tax filings, limiting its use for incorporated businesses (BV/SRL).
Does not support special tax regimes, such as the Margin Scheme, making it unsuitable for certain business types like art or second-hand goods dealers.
The AI Tax Advisor is limited to 50 questions per month on the standard (GROW) paid plan.

Pricing Info

FREE: €0/month. Includes unlimited e-invoicing via PEPPOL, scanning for up to 5 receipts/invoices per month, 1 connected bank account, and mobile app access.
GROW: €15.5/month. Includes unlimited receipt and invoice scanning, 5 connected bank accounts + PayPal, full web and mobile app access, tax return preparation, AI Tax Advisor (50 questions/month), and a Tax Guarantee up to €500.
GROW MAX: €22.5/month. Includes all GROW features plus 10 connected bank accounts, unlimited AI Tax Advisor questions, an extended Tax Guarantee up to €10,000 per filing, and direct access to human Tax Coaches for 1-on-1 support.

FAQs

What happens if I make an error on my tax declaration?

Accountable provides a Tax Guarantee on its paid plans. This covers potential fines up to a specified limit (e.g., €10,000 on the GROW MAX plan) that may result from errors in tax returns submitted through the app.

Can I use Accountable if I already have an accountant?

Yes. You can grant your accountant free access to your financial documents through the 'Accountable Expert' portal. This allows them to see your organized data and focus on providing high-level advice rather than performing data entry.

Is Accountable suitable for incorporated companies (e.g., a BV/SRL)?

Accountable can be used for invoicing, expense management, and bank connections for companies. However, it does not currently support the filing of corporate income tax. Its primary focus is on sole proprietors (personne physique/eenmanszaak).

What exactly is the AI Tax Advisor?

The AI Tax Advisor is a built-in feature trained specifically on Belgian tax law. It provides 24/7 answers to user questions about taxes, bookkeeping, and deductions. It can also offer personalized tips based on your financial data within the app to help you optimize your tax situation.

Still have questions? We're here to help!