Palkkaguru

Palkkaguru Oy runs an invoicing service for light entrepreneurs (kevytyrittäjä) in Finland, who can bill clients without registering a company. The company checks and sends invoices, follows payments, handles official filings and provides bookkeeping advice. Its service fee is a percentage of the invoice amount excluding VAT, with a minimum and maximum charge per invoice, and optional accident and liability insurance packages.

Target customers are freelancers and independent contractors, new entrepreneurs and startups, consultants and service providers, and creative professionals such as designers, writers, photographers, musicians and trainers. Revenue comes from the per-invoice service fee in three tiers: Karvalakki (1.90%), Järkevä (2.90%, including accident insurance) and Vastuullinen (3.90%, including liability insurance).

The company is registered in Helsinki, where its address is listed, and is a limited company (Oy) founded on 16 September 2019. The website is in Finnish and lists Google reviews averaging 4.9 out of 5 from 15 reviews.

Product: Per-invoice billing and payment service for light entrepreneurs, with a percentage service fee and optional accident and liability insurance.