Book an introduction

Count On Clarity

Online accounting in Finland.For freelancers and businesses.

Karma Accounts is an online accounting firm for freelancers, sole traders and limited companies anywhere in Finland. We handle bookkeeping, VAT, payroll, financial statements and tax returns, and explain the numbers clearly, in English or Hindi.

Book an introduction Explore services

A short, free introduction with no obligation.

  • Above the line — what your business reports
  • Below the line — the reconciled work that holds it up
  • Fig. 1 — a summit is carried by a root several times its size. So are your accounts.

What you can expect

Fully online
Digital receipts and online meetings, wherever you are in Finland.
On time
A dependable monthly rhythm for VAT, payroll and year-end filings.
Understood
Clear reports and plain answers, in English or Hindi.

Services

Accounting services in Finland, built around your business

From everyday bookkeeping to year-end reporting, we create a clear financial routine for freelancers and companies.

01

Bookkeeping & VAT

Monthly bookkeeping from your receipts, sales invoices and bank lines, with VAT returns filed on time in MyTax (OmaVero).
02

Payroll

Salaries, payslips and Incomes Register reporting, handled on schedule and reconciled to your books.
03

Financial statements & tax returns

Year-end financial statements and tax returns for sole traders (toiminimi) and limited companies (Oy).
04

Management reporting

Clear views of cash flow, profit and priorities, so you can plan with confidence.
05

Starting a business

Help with your Business ID and your VAT and prepayment registration, and an accounting routine that works from day one.
06

Financial guidance

Practical answers when things change: a first employee, a move from toiminimi to Oy, or questions from your bank.

Who we help

Accounting for freelancers and business clients

We adapt the accounting rhythm to your stage, responsibilities and ambitions—not the other way around.

Freelancers & sole traders

For freelancers and sole traders (toiminimi) who want their accounting handled properly without it taking over the week.

  • Consultants, IT and creative freelancers
  • Couriers, drivers and delivery contractors
  • Bookkeeping, VAT and the business tax return

Limited companies (Oy)

For small and growing companies that need statutory accounting done properly and explained clearly.

  • Monthly bookkeeping and VAT
  • Payroll and Incomes Register reporting
  • Financial statements and the company tax return

International entrepreneurs

For founders and teams running a business in Finland in English, who want Finnish accounting and tax obligations explained in plain language.

  • Service in English or Hindi
  • Finnish filings handled for you
  • A clear monthly overview

How it works

Online accounting, from first conversation to a steady monthly rhythm

No office visits and no paper to post: everything happens online.

01

Free introduction

A short online call or email exchange about your business, your current setup and what you need.

02

Set up online

We agree the scope and fee in writing and verify your identity as Finnish law requires. You give us Suomi.fi authorisations and access to your bank statements.

03

Keep clear, every month

You send receipts and invoices digitally. We keep your books current, file on time and tell you where you stand.

Talk through your accounting

About us

Grounded in detail.Focused on what comes next.

Karma Accounts Oy is an accounting firm registered in Helsinki that works fully online with freelancers and businesses across Finland. We combine precise bookkeeping, timely reporting and practical guidance, so you always know where your business stands and what to do next.

Fig. 2 — below the line, in detailThe same foundation, close up. Each layer is one month closed and reconciled; twelve make a year, and none is larger than another. Steady beats spectacular.

FAQ

Questions about accounting in Finland

Do you work with clients outside Helsinki?

Yes. We work fully online, so we can help freelancers and businesses anywhere in Finland.

Which languages do you work in?

We serve clients in English and Hindi. Filings are made in the Finnish authorities’ systems, and we explain everything to you in plain language.

Do you work with freelancers and sole traders (toiminimi)?

Yes. We keep the books, file VAT returns and prepare the business tax return for freelancers and sole traders, and we also do the accounting for limited companies (Oy).

How much does an accountant cost in Finland?

It depends on your business form, how many receipts and invoices you have and whether you pay salaries. After a free introduction we agree the fees in writing before any work starts.

Can I switch accountants during the year?

Yes. We agree a handover with your previous accountant, so balances and documents carry over and nothing is missed.

What do I need to get started?

Your Business ID, access to your bank statements, Suomi.fi authorisations for tax matters, and your receipts and invoices in digital form.

Contact

Ready for a clearer view?

Tell us where your finances stand today. We’ll help define the next practical step.

Based in
Helsinki, Finland — serving clients across Finland
Languages
English, Hindi
Business ID
3651800-4

Book a free introduction

Tell us briefly about your business. It helps to mention:

  • whether you are a sole trader (toiminimi) or a limited company (Oy)
  • roughly how many receipts and sales invoices you have a month
  • whether you pay salaries
Email us

Please don’t send bank credentials, personal identity codes or other sensitive data by email.