All-in-one for small businesses and freelancers
Invoicing and Peppol, CRM, HR and payroll, bank, expenses, your webshop and all your VAT and tax obligations. COBIQO reads every document, checks the numbers and gets it ready. You press book.
All-in-one
What usually takes five subscriptions is one app here. No modules to buy on top: CRM, HR and tax compliance are in every plan.
Quotes, orders and invoices. Send and receive through Peppol, with reminders and payment links.
Customers, leads and touchpoints. A pipeline with forecast, web forms that bring in leads, and email campaigns.
Employee records, starters and leavers, timesheets. Salaries booked and paid, withholding tax paid on time.
VAT return and EC sales list ready for Intervat, OSS, foreign VAT refunds. A tax calendar that warns you before a deadline.
CODA, Ponto and Revolut. Payments are matched to invoices for you, with open items and a cash-flow forecast.
Orders from WooCommerce, Shopify, bol.com and Amazon come in by themselves. Payouts reconciled, fees and OSS VAT booked right.
A photo with your phone, a PDF or an email forwarded to your own inbox address. A whole pile at once is fine too.
Supplier, date, VAT and total, all checked. Whatever does not add up is on top, with the reason.
The bank is reconciled and your VAT return fills itself. Your accountant sees everything, with their own login.
Invoice scanning
Drag in a pile of PDFs or forward them. COBIQO takes out supplier, number, date and amounts and checks them: the check digit of the VAT number, net plus VAT equals gross, and whether the document is already in your books.
Bank connection
Your transactions come in through CODA, Ponto or Revolut. For each payment COBIQO suggests the matching invoice, by amount, reference, IBAN and name. You press match. Bank fees or transfers between your own accounts go aside.
Expense claims
Take a photo of the receipt and it is on your claim. A dinner in Paris or a hotel in Madrid: COBIQO knows it is abroad and applies the rules of your own country, for VAT and for deductibility. Once approved, you pay back from the bank.
HR, payroll and salaries
Employee records with start and end dates and timesheets. Director or employee: you book what the payroll office provides, pay out and pay the withholding tax. COBIQO warns you before a deadline and keeps your 281.20 forms together.
CRM, sales and Peppol
Follow your deals in the pipeline, make a quote, turn it into an invoice and send it through Peppol. Since 1 January 2026 that is mandatory between Belgian businesses; in COBIQO it is simply built in. Late payers get a reminder.
Integrations
Your webshop, your marketplaces, your bank and your payment provider talk to COBIQO directly. Orders, payouts and fees come in by themselves.
A month with everything, with your real numbers. No demo with fake data: you work in your own books right away, and what you enter stays. After that you pay from €99 a year.
Accounting, Peppol, CRM, HR and tax compliance are in every plan. You only choose how many companies, users and documents you need. Your trial month runs on Pro, with everything. Prices excl. VAT.
For people who work alone
€99a year
That is €8.25 a month
For a small team
€375a year
That is €31.25 a month
For a group or an accounting office
€2,500a year
That is €208.33 a month
A document is a booked invoice, credit note or expense claim. A smart scan is a document COBIQO reads for you. Need more during the year? Buy a bundle, without changing plans.
COBIQO is built in the EU and runs on servers in the EU. Your books fall under the GDPR, not under the law of another continent.
Your data is not in one big table with everyone else’s.
Mandatory for administrators, available for your team.
No. You create an account with your name, email address and company. Then you get 30 days of everything in Pro, without payment details.
You choose a plan: Start, Pro or Business. Everything you entered during the trial stays. If you choose nothing, you can still view and export your data for 90 days.
Yes. Start also includes invoicing, Peppol, CRM, HR, payroll, bank and your VAT return. There are no modules to buy. The plans only differ in the number of companies, users, documents and smart scans; Pro and Business also include the Power BI connector.
Yes. Your sales invoices go out through Peppol and your purchase invoices come in through it. Since 1 January 2026 e-invoicing through Peppol is mandatory between Belgian businesses.
Yes. Orders from WooCommerce, Shopify, bol.com and Amazon come in automatically, and payouts from Mollie, Stripe, PayPal, Shopify and bol.com are reconciled, with the fees booked separately.
Yes. Your accountant gets their own login with the accountant role and sees your bookings, your bank and your VAT return.
Yes. You import your customers, suppliers, products, open invoices and opening balance from an export. Exports from Billit, Exact Online, Yuki, Octopus, Moneybird and Odoo are recognised.
For companies in Belgium, the Netherlands, Spain and France, each with its own VAT rules and chart of accounts. You manage a Belgian and a Spanish company side by side in one account.
In the European Union, in a separate database per customer. You can always export all your data.
Start today with your first invoice. Within a month you know whether COBIQO is for you.
30 days free · no payment details · then from €99 a year