Accountable
“Can a tax-automation app become the full financial OS — banking, invoicing, and compliance — for Belgium's 1M+ self-employed?”
HQBrussels, Belgium
FoundersNicolas Quarré, Alexis Eggermont
Latest roundSeries A
IndustryVertical SaaS / Accounting
The story
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.
Product timeline
2020
Launched Accountable as a tax and bookkeeping app for Belgian self-employed professionals, offering invoicing, expense tracking, and VAT return filing.· pivot
2024
Launched Accountable Banking, a free embedded business account with Belgian IBAN and virtual Mastercard, powered by Swan.· banking
2025
Introduced Peppol e-invoicing registration and sending, becoming a PEPPOL access point for Belgian self-employed.· pivot
2026
Expanded Accountable Connect to export financial data into external accounting software used by professional accountants.· banking
The stack
5 layers disclosed in Accountable’s embedded-finance stack
Payments / PSP
Money movement
in the full report
Banking / BaaS
in the full report
Card issuing
in the full report
Accounting
in the full report
Accounting gap: minor
4 more providers across 4 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.