← Embedded Finance Index 2026

Lexoffice

Can Germany's leading SMB accounting tool become the financial OS for Freiberufler by embedding banking, e-invoicing, and tax compliance into one product?

Founded2012
HQFreiburg, Germany
IndustryHorizontal SaaS / Accounting
The story

lexoffice is the cloud SMB accounting product of the Haufe Group / Lexware brand, which has sold German business software since 1989. The product evolved from pure invoicing/bookkeeping into an embedded-finance hub for German freelancers and SMBs, adding an integrated business bank account with Solarisbank and Visa in late 2023 and rebranding to 'Lexware Office' to anchor the broader product family.

Last 12 months
2023-12
Product timeline
2012
lexoffice launched by Lexware (Haufe Group) as a cloud accounting product for German freelancers and SMBs.· pivot
2023
Launched embedded business bank account and Visa debit card in partnership with Solarisbank.· banking
2025
Rebranded from lexoffice to Lexware Office.· pivot
The stack
4 layers disclosed in Lexoffice’s embedded-finance stack
Banking / BaaS
Solarisbank
Card issuing
in the full report
Sponsor bank
in the full report
Accounting
in the full report
Accounting gap: none
15 more providers across 3 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.