“Can a tax-automation app become the full financial OS — banking, invoicing, and compliance — for Belgium's 1M+ self-employed?”
Accountable started as a mobile-first tax and bookkeeping tool for Belgium's self-employed, automating VAT declarations and income tax returns. It has progressively expanded into a broader financial OS by embedding banking (via Swan) directly into the app, integrating Peppol e-invoicing, and opening an accountant-facing platform. The company's strategic pivot is from a tax compliance tool to an all-in-one financial companion that replaces both the bank account and the accountant for freelancers.