Services

Everything your books need, run by one accountant

Bookkeeping, VAT, payroll and year-end for sole traders and small and medium-sized companies anywhere in Finland, in English, Finnish, Hindi and Nepali.

Karma Accounts is a Helsinki accounting firm working online. You send the receipts and the bank statement; we keep the books current, file what the Tax Administration expects on the day it is due, and tell you in plain language where your business stands. Nothing is outsourced and nobody hands you to an account manager: the person who does your books is the person who answers your email.

See what it costs

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

What we do

Most clients take the whole list. You can also take one part of it, for example payroll only.

Bookkeeping

Every month, from your receipts, sales invoices and bank lines. Costs go to the right account, the VAT is split by rate, and anything without a receipt is chased while the month is still fresh rather than found in March.

Accounting for sole traders

VAT returns

Filed in MyTax on the 12th, including the quiet months that still need a return. Purchases from Google, Meta and other foreign sellers go in the right boxes, and you get the amount to pay before the due date, not after it.

The VAT deadlines in 2026

Payroll

Payslips, Incomes Register reports within five days, the payments due on the 12th, and the holiday pay that builds up quietly in the background. For a first hire we go through the real cost with you before you commit.

Payroll, 15 € a payslip

Financial statements and tax returns

Year-end for a toiminimi or an Oy: the statements, the Trade Register filing within eight months where it applies, and the tax return built from books that were already right.

Accounting for limited companies

Starting up

The Business ID, the VAT and prepayment registrations, the Suomi.fi mandates, and a way of sending us receipts that takes you a minute a day. If you are choosing between a toiminimi and an Oy, we do that with your numbers first.

Company formation in Finland

Answers when something changes

A first employee, a car, a client abroad, a letter from the Tax Administration, a bank asking for figures. Ask before you act and it is usually simple; ask afterwards and it sometimes is not.

Read the articles

Monthly close and reporting

For a company that wants to see its numbers every month: the books closed by an agreed date, accruals and reconciliations done, and a short report on the profit and loss and the balance sheet against last year, explained in plain language. It is agreed in the written scope and price before it starts.

Accounting for limited companies

Groups and intercompany

A parent company with subsidiaries: intercompany invoices and balances matched every month, the eliminations, and the group financial statements when the group needs them. Priced by quote once we have seen the structure.

What moves the price

How a month runs

The routine is the same every month, which is what makes deadlines boring instead of stressful.

You send what arrives Receipts by phone as you get them, sales invoices, and access to the bank statement. No collecting a year in a shoebox.
We keep the books current Bookkeeping during the month, not on the deadline, with questions asked while you still remember the answer.
We file, and tell you the number VAT, payroll reports and the year-end filings go in on time, and you know what to pay before it is due.

Fig. 3 — one month, fully closedDocuments received. Transactions matched. Accounts reconciled. The month checked, and anything missing chased. Returns filed by their deadlines. What to pay, and when, explained before it is due.On-time bookkeeping. Deadlines built into every step.Timely documents in. Timely books, filings and answers out.

Who we work with

Sole traders (toiminimi) invoicing their own work, delivery and courier drivers, restaurants and small shops, consultants and one-person limited companies, and founders who moved to Finland and have to run a business in a language they are still learning. If you are somewhere between a hobby and a business and are not sure which, that is a normal conversation to have with us.

Languages, and where we work

We work in English, Finnish, Hindi or Nepali with you, and in Finnish with the authorities: the filings go into MyTax (OmaVero) and the Incomes Register the way they must, and you get the explanation in a language you actually think in. The firm is in Helsinki and works online, so where you are in Finland makes no difference to how we work together. More about working with an English-speaking accountant.

What we do not do

We do not audit, we are not a law firm, and we do not give investment advice. We do not take payments on your behalf or move money from your accounts: you approve and pay, we prepare and tell you what is due and when.

Start with a conversation, not a contract

Tell us what your business does and how the receipts arrive today. A free introduction is usually half an hour, and if bringing one month of receipts is easier than explaining, bring those.

Request a free introduction

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