Business owner
“Snap a receipt → automatically matched to a bank transaction → account suggested → swipe and done.”
Under 2 minutes per receipt
Navik · Germany 2026
Receipts in. Books done.
ML receipt automation and accountant portal for agencies and project businesses with 5-50 employees.
Receipt pipeline
Receipt → booking
REWE Markt · 24.06.2026
42,50 €
Account 4980 suggested
Photo · PDF · Email
Bank transaction
−42,50 € · 4980
- GDPR-ready
- EU hosting
- ML in production
- Accountant portal
The problem
Receipts are digital. The work around them is still manual.
Most project businesses already scan receipts and bank with Qonto or similar. The hours go into everything after the upload.
5–15 hours a week on receipts
Receipts arrive by email, photo, and supplier portals. Someone pairs each one with a bank line by hand.
Every account assigned by hand
Today’s tools digitize the receipt. Picking the right ledger account is still a person’s job, every time.
The handoff to the accountant is a folder
Your Steuerberater sorts unassigned receipts, sends questions back by email, and the month closes late.
What changes with Navik
78%
Less time on pre-assignment
Receipts are read, matched to the bank, and given an account before anyone opens them.
87%
Matched without a click
Receipt-to-bank matching with a confidence score. You only look at the uncertain ones.
<15 min
Accountant review per client and week
Your accountant approves pre-assigned receipts in bulk in a dedicated portal, not in a folder.
Financial visibility
Your whole financial picture, current every day
Every matched receipt and bank line feeds one dashboard. See cash, spending, project margins and open invoices without waiting for the month-end close.
app.navik · Dashboard
Example data for a 25-person agency. Illustrative only.- Cash on account
- €184,200
- +€24k vs. last month
- Net cash flow this month
- +€24,000
- Money in minus money out
- Open receivables
- €44,000
- €12.6k overdue
- Books complete
- 97%
- 7 receipts missing
Cash flow with forecast
Money in above the line, money out below. Hatched months are forecast.
Money inMoney outNetForecast
| Money in | Money out | Net | |
|---|---|---|---|
| Jan | €142,000 | €128,000 | €14,000 |
| Feb | €138,000 | €131,000 | €7,000 |
| Mar | €156,000 | €139,000 | €17,000 |
| Apr | €149,000 | €144,000 | €5,000 |
| May | €171,000 | €148,000 | €23,000 |
| Jun | €165,000 | €151,000 | €14,000 |
| Jul | €158,000 | €146,000 | €12,000 |
| Aug | €149,000 | €139,000 | €10,000 |
| Sep | €176,000 | €152,000 | €24,000 |
| Oct (Forecast) | €182,000 | €157,000 | €25,000 |
| Nov (Forecast) | €175,000 | €153,000 | €22,000 |
| Dec (Forecast) | €198,000 | €171,000 | €27,000 |
Where the money goes
Year-to-date spend by category, built from assigned accounts.
| EUR | of total | |
|---|---|---|
| Freelancers & subcontractors | €214,000 | 46% |
| Rent & office | €72,000 | 16% |
| Software & SaaS | €61,000 | 13% |
| Travel | €38,000 | 8% |
| Marketing | €33,000 | 7% |
| Hardware | €27,000 | 6% |
| Other | €19,000 | 4% |
Margin per project
Invoiced revenue next to hours and expenses, year to date.
RevenueCosts
| Revenue | Costs | Margin | |
|---|---|---|---|
| App MVP | €112,000 | €97,000 | 13% |
| Website relaunch | €86,000 | €51,000 | 41% |
| Brand campaign | €64,000 | €49,000 | 23% |
| SEO retainer | €38,000 | €17,000 | 55% |
Open invoices by age
What customers owe you, grouped by days past due.
| EUR | |
|---|---|
| Not yet due | €31,400 |
| 1–30 days | €7,900 |
| 31–60 days | €3,500 |
| Over 60 days | €1,200 |
Books status, last month
How each bank transaction got its receipt.
| transactions | |
|---|---|
| Matched automatically | 186 |
| Matched after review | 21 |
| Receipt missing | 7 |
Data, not promises
Benchmark metrics from production. The Germany launch builds on the same ML pipeline.
12.400+
Receipts processed
Benchmark · production
87%
Auto-match rate
Receipt ↔ bank
91%
Account assignment accuracy
after 90 days training
78%
Time saved
vs. manual pre-assignment
6
ML services
event-driven pipeline
365
Days of retraining
account model learns daily
Target audience
Built for project businesses — not everyone
Channel: accountants as reviewers — not resellers. Your accountant saves hours per client.
Agencies & consultancies
5–50 employees, many receipts, billable projects
IT & engineering firms
Time tracking + expenses + external accountant
Architects & creative
Project billing instead of solo freelancer tools
Integrations · Germany launch roadmap
DATEV2026
Qonto2026
finAPI2026
XRechnung2026
GoBDReady
GDPRReady
What Navik looks like
These interfaces are coming localized for Germany — powered by the same ML pipeline as production.
CFO overview at a glance
Open receipts, cashflow snapshot, and ML KPIs — all in one view.
app.navik.fi/dashboard
Offene Belege
23
−12%
Auto-Match
87%
+4%
Cashflow
€ 48k
Jun
Belege · letzte 7 Tage
REWE42,50 € · gematcht
AWS89,00 € · Konto 4964
Telekom34,99 € · wartend
What Navik measurably improves
Hover over the charts for benchmarks from production and pilot data.
Data · Benchmark
Time per receipt: Manual vs. Navik
Manual Navik
Capture receipt−84%
Manual: 95 sec · Navik: 15 sec
OCR & extraction−96%
Manual: 180 sec · Navik: 8 sec
Bank reconciliation−98%
Manual: 240 sec · Navik: 5 sec
Account assignment−90%
Manual: 120 sec · Navik: 12 sec
Accountant review−67%
Manual: 90 sec · Navik: 30 sec
Avg. 9.2 min manual → 1.2 min with Navik per receipt
Data · Volume
Receipts per month · benchmark
1,420
Jun · 89% Automated
Total Automated
58%
90–100%
Data · ML confidence
Match quality by score
58% of all receipts fall in the 90–100% range — less manual review needed.
What Navik feels like
Accountant
“Open portal → 80% of receipts already matched and pre-assigned → bulk approval in 10 instead of 120 minutes.”
<15 min review time / client / week
Papierkram project billing. Candis-level automation. An accountant portal.
USP
ML receipt matching
Rules are not enough. Navik matches receipts to bank transactions with machine learning, with a transparent confidence score.
Account assignment that learns
FastText models with daily retraining suggest accounts. Your accountant corrects, the system gets better.
Time → invoice → booking
Projects, time tracking, invoices, and expenses in one flow. Like Papierkram, but with real AI automation.
How it works
From receipt to booking, automatically
Six ML services, daily retraining, event-driven pipeline. Proven in production, now for Germany.
Step 1: Upload receipt. Photo, PDF, or email — Navik accepts everything.
Step 1 · 1/5
Upload receipt
Photo, PDF, or email — Navik accepts everything.
Market & regulation
Germany is facing its biggest accounting upgrade since e-invoicing
The accounting software market is growing at double-digit rates — driven by e-invoicing mandates, GoBD pressure, and rising automation expectations. Incumbents optimize workflows; Navik is ML-first from day one.
Regulated upgrade cycle
E-invoicing · GoBD · accountant digitization
E-invoicing (XRechnung / ZUGFeRD)
RoadmapMandatory receipt since 2025. Issuance from 2027/2028 — Storecove integration on the roadmap.
GoBD & receipt archive
In progressImmutable audit trail and tamper-proof archiving — documentation for tax audits in progress.
GDPR & EU hosting
ReadyData in the EU, role-based access, client separation for firms.
Accountant standards
RoadmapDATEV booking data service + receipt image service — the #1 channel for German firms.
Is it for you?
What customers say today — and our answer
"We use Papierkram for projects"
Same time tracking and invoicing — plus ML receipt matching and account suggestions. Your accountant saves hours per month.
2027 arrives faster than you think
From 2027, companies with over €800k revenue must issue structured e-invoices. By 2028 it applies to everyone. Navik integrates XRechnung and ZUGFeRD via Storecove — on the launch roadmap.
See features →Jan 2025Mandatory receiptACTIVE
Jan 2027Issuance (>€800k revenue)
Jan 2028Issuance (all)
Honestly compared, not just marketing
Navik is not for everyone. We say clearly when Papierkram, sevDesk, or Candis is the better choice.
Compare
Navik vs. Papierkram
Same project time tracking — plus AI matching and account assignment.
View details →
Compare
Navik vs. BuchhaltungsButler
Same automation depth — with project billing for agencies.
View details →
Compare
Navik vs. sevDesk
More automation than sevDesk — for teams with projects, not solo freelancers.
View details →
Compare
Navik vs. Candis
Candis-level receipt automation — plus time tracking and project billing.
View details →
Clarity
What Navik is not built for
No feature bloat — deliberate boundaries so you know if Navik fits your setup.
Not a business account
Keep Qonto & co. — we are the automation layer on top.
Not ERP / inventory
No warehouse, no e-commerce marketplaces — focus on service SMBs.
Not tax filing
ELSTER & VAT returns via your accountant — DATEV handoff, not DATEV replacement.
Not enterprise AP
No 12-step approval workflows like Candis — instead time billing + ML.
For Steuerberater firms
Become a Navik partner firm
We are looking for 3–5 accounting firms to shape the Germany launch. Partner firms get the review portal first and decide which DATEV workflows we build next.
- Early access to the localized accountant portal
- Direct line to the product team; your corrections train the model
- DATEV integration prioritized by your feedback
Frequently asked questions
Frequently asked questions
Navik launches in Germany in 2026. Waitlist members get early access, pilot slots, and a say in launch priorities.
No spam — just Germany launch updates and early-access invites.