An accounting firm for small and medium-sized businesses

Why this firm exists

A small business is easily served last. When the fee is set by counting receipts, a good month costs more than a quiet one. When the financial statements are billed separately, they arrive as a surprise invoice in the spring. And when questions go to a queue and answers come back in Finnish, the letter from the Tax Administration stays unopened because nobody explained what it said.

None of that is necessary. What a small business needs is someone who keeps the books during the month, files on time, explains the result in a language the owner understands, and charges a price the owner knew in advance.

Who keeps your books

Experience

1. 2022 – 2026Accountant to senior financial accountant, Finnish technology and fintech companies, Helsinki regionFull-cycle accounting for a parent company and its foreign subsidiaries, an ERP implementation, group consolidation, EU VAT returns and EC sales lists, intercompany accounting, transfer pricing, and IFRS reporting.
2. 2019 – 2022Finance specialist, two global industrial groups, TallinnOrder-to-cash, receivables and credit risk, fixed assets, SOX-aligned controls and the month-end close in SAP.
3. 2017 – 2018Accountant, a financial advisory firm, KathmanduStatutory financial statements, audit support and compliance work for client companies.

Education

1. 2024 –MSc in Finance, Hanken School of Economics, HelsinkiCurrently studying. Hanken is accredited by EQUIS and AACSB.
2. 2019 – 2022Bachelor's degree in International Business Administration (Accounting and Finance), Tallinn University of Technology (TalTech)
3. 2013 – 2017Accounting Technician, the Institute of Chartered Accountants of India (ICAI)

How we work

• One accountant, start to finish. Nothing is outsourced and there is no account manager between us. The person who does your books is the person who answers your email.
• A price you knew in advance. Set by your turnover, not by counting paperwork, with the year-end and the software already in it. The prices are published.
• Work done before the deadline, not on it. Bookkeeping during the month, questions asked while you still remember the answer, and the amount to pay told to you before the due date.
• Answers you can check. When we tell you a rule, we tell you where it comes from. The articles on this site are written the same way, with the Tax Administration and the law linked at the end.
• We say no when it is not our field. We do not audit, we are not a law firm and we do not give investment advice. If your question needs one of those, we will say so rather than guess.

Languages

With you, English, Finnish, Hindi or Nepali. With the authorities, Finnish: the returns go into MyTax (OmaVero) and the Incomes Register in Finnish, in the form the law requires, and you get the explanation in a language you actually think in. When a letter arrives in Finnish, send it to us and you will get back what it says and what, if anything, you have to do. What working in English means in practice.

We welcome collaboration enquiries from VAT agencies and accounting firms across the EU.

Your records, and the law

Before we can start, the law requires us to verify who you are: an accounting firm is an obliged entity under the Act on Preventing Money Laundering and Terrorist Financing, so identification is part of every engagement, not a formality we invented. Your records stay yours throughout. You can have them in a readable form whenever you ask and always when you leave, and what we do with your personal data is set out in the privacy notice.

The name and the mark

Karma is a Sanskrit word, कर्म, meaning action or deed. In Hindu and Buddhist thought it also names a principle: every action has its consequence, and what you do comes back to you. Bookkeeping runs on the same idea. Every transaction is recorded on two sides, and the two sides always balance. Books kept right during the year are the ones that hold up at the year-end and in a tax audit.

The mark is क (ka), the first letter of कर्म in Devanagari, the script of Nepali and Hindi. Its top bar is drawn twice, which turns it into an equals sign: the sign that assets equal liabilities plus equity, and that every entry has its counter-entry.

Company facts

The registration details below can be checked for free at ytj.fi, the Finnish Business Information System; the business ID links to the company’s own page there.

Two of those rows matter more than they look. Being in the prepayment register means a business customer pays our invoices in full, with no tax withheld from the payment, and it is the first thing a careful Finnish client checks before buying services from anyone. Being in the VAT register means the VAT on our invoice is VAT you deduct, to the extent your own activity is VAT-liable.

See what the work actually covers