Finance

The finance stack European businesses deserve.

Quotations, invoicing, expenses, payments, banking — and PEPPOL e-invoicing built in. QuickBooks's depth, Stripe Billing's polish, and the EU compliance both leave to you.

The full quote-to-cash loop

Sell, bill, collect, reconcile — all in one place.

Twelve modules of finance work in one app. Each is real depth, not a checkbox: digital signing, OCR receipts, multi-currency, period locking, audit log.

Invoices that match your books

Multi-currency, line-level tax, partial payments, credit notes. Branded PDF templates with reorderable blocks. VAT-compliant out of the box.

Quotations with digital signing

Send a quote, capture a typed or drawn signature, lock the version. Approved quotes convert to invoices in one click without re-keying.

Recurring invoicing

Subscription billing with proration, mid-cycle add-ons, and end-of-period totalization. Stripe-style schedules without leaving Workestra.

Expenses with OCR receipts

Snap a receipt, OCR extracts vendor, date, amount, VAT. Submit, approve, reimburse. Categories, mileage, per-diem — all rolled into reports.

Online payments

Stripe, Mollie, and SEPA Direct Debit on every invoice. Pay-by-link, hosted checkout, partial captures. Refunds reconcile to your books.

Bank reconciliation

Live transaction feeds match against open invoices automatically. Confidence-scored matches, manual override, audit log for every adjustment.

Smart reminders & dunning

Configurable reminder cadence per customer. Polite-to-firm tone progression, multilingual templates, late fees, and pause-on-payment.

VAT & tax engine

EU VAT rates auto-applied, OSS support for cross-border B2C, reverse-charge for B2B. Output a VAT return-ready ledger in two clicks.

Cash-flow forecasts

Aged receivables, payables, and recurring schedules feed a 90-day cash projection. Drill into any line back to the source invoice.

Chart of accounts

Workspace-defined accounts with class, type, and tax linkage. Journal entries auto-post on invoice paid, expense reimbursed, refund issued.

Customer & vendor ledgers

Per-counterparty statement of account. Outstanding balance, payment history, document trail. Send the statement as a single branded PDF.

Period locking & audit log

Close a month, lock it, prove it. Every edit attributed, timestamped, and immutable. Your accountant gets the trail; you get the sleep.

Built for European compliance

PEPPOL, SEPA, OSS, GDPR — native, not bolt-on.

Most accounting tools are American by birth and European by translation. Workestra was built in the EU for the EU. PEPPOL e-invoicing, multi-jurisdiction VAT, EU bank feeds, GDPR posture — all in core, not a bolt-on tier.

PEPPOL e-invoicing — two providers

Native Peppox and Peppyrus integrations. Send and receive UBL 2.1 invoices on the PEPPOL network — Belgium, Netherlands, France, Germany, Nordics.

PEPPOL BIS Billing 3.0

Full UBL 2.1 schema validation against the PEPPOL BIS Billing 3.0 spec. We catch the schema errors that get invoices rejected.

EU banking — 18 countries

Live bank feeds via Plaid, Salt Edge, Tink, and Ponto. From a Belgian KBC account to a French BNP Paribas to a Dutch Rabobank — all native.

SEPA & SEPA Direct Debit

Generate and reconcile SEPA bank transfers. Mandate management for Direct Debit, with FRST/RCUR sequencing handled for you.

Multi-VAT, multi-jurisdiction

Run your French entity and your Dutch entity in the same workspace. Each with its own VAT regime, reverse-charge rules, and OSS reporting.

GDPR-aligned by default

Data residency in EU regions. Granular retention windows, right-to-erasure flows, audit log on every PII touch. Your DPO gets a single export.

Built into the suite

Finance doesn't live in a spreadsheet.

The same database that holds your CRM, your projects, and your time tracking holds your invoices. Numbers update because the data updated — not because someone copy-pasted.

Billable time → invoice with one click

Hours tracked against tasks aggregate by client and period. One click drafts an invoice with line items grouped by project, ready to send.

Signed quotes convert to invoices

When a customer signs a quotation digitally, Workestra preserves the line items, taxes, and currency — converting to an invoice without rekeying.

Bank transactions auto-reconcile

Live feeds match deposits against open invoices using amount, reference, and counterparty. Confidence-scored, with one-click manual override.

Vendors flow from CRM

A CRM company can be a customer, a vendor, or both. One contact graph powers AR and AP — no duplicate ledgers, no data drift.

vs QuickBooks + Stripe Billing

Two tools' worth of work, one tool's worth of seats.

Most teams stitch QuickBooks for the books and Stripe Billing for the subscriptions, then reconcile by hand. Workestra collapses both — and adds the EU compliance neither covers.

QuickBooks + Stripe Billing

  • Quote-to-cashQuickBooks ends at the invoice. Quotes, signatures, and CRM live in three other tools.
  • EU compliancePEPPOL is a paid add-on or external bridge. UBL validation is your problem.
  • BankingUS-first integrations. EU coverage is partial, often manual CSV imports.
  • Subscription billingStripe Billing for recurring; QuickBooks for the books. Reconcile by hand.
  • Data residencyUS datacenters by default. EU residency is a sales conversation.

Finance in Workestra

  • Quote-to-cashQuote → sign → invoice → payment → reconcile. One graph, one audit trail.
  • EU compliancePEPPOL native via Peppox and Peppyrus. UBL 2.1 BIS Billing 3.0 validated.
  • BankingPlaid, Salt Edge, Tink, Ponto — 18 EU countries with live transaction feeds.
  • Subscription billingRecurring invoices native, with proration, dunning, and revenue recognition.
  • Data residencyEU region by default. GDPR-aligned retention, erasure, and audit out of the box.
Ready to retire your accounting stack?

One finance tool. Built for Europe.

Free for the first 5 seats. PEPPOL e-invoicing included. Bank feeds across 18 EU countries. Migrate from QuickBooks, Xero, or Exact in minutes.

Free forever for teams up to 5. No credit card required.