manubu gmbh
“Can an Austrian-hosted, GDPR-native SMB accounting suite win DACH tax advisors and small businesses against DATEV and Lexware by pairing on-prem AI with PSD2 bank aggregation?”
manubu gmbh (the operating parent, formerly 'Das Finanzbuch' Software GmbH) has built FreeFinance since 2008 as an Austrian-founded, Vienna-based cloud accounting suite for SMEs, sole proprietors, NGOs and tax advisors in Austria and Germany. The product has expanded from Austrian double-entry bookkeeping into Germany (ELSTER), added bank connectivity via finAPI for all major DACH banks and neobanks (N26, Bunq, Revolut, Wise, Finom, Qonto, Vivid, Holvi), and layered on AI OCR belief-processing that they explicitly run on their own EU-hosted servers rather than a US LLM API — GDPR positioning is central to the pitch. Their embedded-finance surface area is deliberately narrow: they are the accounting book of record, not an issuer, wallet, or lender.