CRM that drives action
Service requests, client acceptance, delivery tracking, and post-service monitoring live in the same operational timeline.
CRM operational CRM, invoicing, accounting, reporting
One operational chain. One financial truth. One reporting-ready platform.
Tqoia is built on a modern stack and a cleaner data model for CRM, invoicing, accounting, and reporting in one connected flow. A sharper platform for service businesses that need operational control, auditability, and digital-reporting readiness without stitching five systems together.
Core ModelCRM → Invoicing → Accounting
Compliance DirectionViDA + Digital Reporting
Commercial ScopeIntra-EU B2B readiness
CoverageAML, KYC, DAC6/8, GDPR, VAT, Payrolls
IntegrationsOpenClaw, Claude Cowork, Stripe, Bank Feeds
FeaturesOCR, JE Generation, Auto-Classification
Tqoia connects front-office action to financial control
Built for businesses that do not want CRM, billing, accounting, and reporting to drift apart. The platform ties requests, service work, invoices, payments, and oversight into one continuous system of record.
Invoicing linked to reality
Invoices are not isolated documents. They are generated from actual service activity and feed downstream accounting events.
InvoicingAccounting entries with context
Revenue, debtor, and bank movements connect back to the originating workflow, not just to a ledger line with missing history.
AccountingBank statement screening
Expected payments are screened against bank activity so the system helps move from cash movement to validated settlement.
BankingCharge clients via Stripe
Connect Stripe and bill your own clients on recurring service plans through Stripe Checkout — clients are charged under your connected account, not Tqoia's.
PaymentsReporting for scrutiny
Management, auditors, external reviewers, and authorities all need traceable output. Tqoia is shaped around that requirement.
ReportingBuilt for configurable businesses
Supports legal, ASP, property, service, accounting, holding, debt, and startup-style workflows without forcing a disconnected toolchain.
Multi-domainPlatform coverage across the full business stack
Coverage for the operational and compliance-heavy areas businesses usually spread across disconnected systems.
CRM, ERP, and projects
Run client workflows, internal processes, service tasks, projects, and operational follow-up in one place.
OperationsCorporate Registrar management
Manage the full corporate registrar — directors, secretaries, signatories, share issues, transfers, and trust records.
RegistrarOrganisation structure charting
Build organisation and ownership structure charts with historical trails, so changes over time remain reviewable.
StructuresAccounting and invoicing
Control invoices, accounting entries, management accounts, VAT returns, payrolls, and debtor settlement states.
FinanceKYC, AML, and due diligence
Full CDD/EDD with explainable risk scoring, UBO capture, sanctions and PEP screening, periodic reviews, and SAR filing.
KYC / AML / DDTransaction monitoring and flagging
Monitor transactions with AML and DAC6-aware flagging so reportable activity can be surfaced, investigated, and reported faster.
AML / DAC6EU GDPR procedures
Keep GDPR procedures tied to the operational record — controlled data handling, documentation, and accountability trails.
GDPRDocuments and records
Keep business documents, compliance evidence, and working records aligned with the cases, entities, and workflows they belong to.
DocumentsLoans, assets, and incorporations
Track loans, asset-management records, incorporation procedures, and corporate register changes without spreadsheets.
AssetsLaw, CySEC, and reporting
Provide traceable output for internal teams, external advisers, auditors, regulators, and reporting stakeholders.
OversightProjects, processes, and tasks
Run multi-level projects with nested tasks, planned vs actual dates, progress, and milestones — delivery stays measurable.
ProjectsPayroll and payslips
Run payroll, generate payslips, and post the matching accounting entries without re-keying numbers into a separate tool.
PayrollEvents and business timeline
Capture dated business events across entities, with amounts and counterparties, as structured data rather than loose notes.
EventsTravel and residency tracking
Record trips per entity with departure and arrival countries so non-resident day counts rest on captured evidence.
TravelMulti-currency by default
Every monetary field carries the transaction amount plus USD and EUR equivalents at the correct rate.
Multi-currencyAI agents and operational automation
An agent platform so external AI workflows can read, propose, and write into the system under strict control. Agents act with scoped credentials, leave a full execution trail, and can pause for human approval before anything sensitive commits.
HTTP and MCP transports for external AI
External agents authenticate with scoped API keys, call both an HTTP API and an MCP endpoint, and trigger the same workflows humans use — while the platform tracks every execution, step, confidence score, and affected record.
Approvals before anything sensitive ships
Connections declare which actions may run autonomously. Anything outside that scope halts for a human approval with a recorded decision and comment.
Workflows that continue on their own
Agents schedule follow-up jobs the platform dispatches at the right moment, with retry, idempotency, and per-tenant isolation — no external scheduler.
Turn uploads into structured actions
Files dropped through agent endpoints are hashed, stored, and linked to the execution that consumed them — a verifiable chain from original file to posted record.
Bulk onboarding from legacy systems
Dedicated importers cover bank statements, partner and invoice ledgers, journal entries, and generic resources — staged, validated, and committed transactionally.
Currency rates kept current automatically
A background scheduler refreshes daily exchange rates every workday so USD and EUR equivalents stay aligned with the latest official reference.
Built around the compliance direction Europe is forcing on operations
Not a static bookkeeping tool — a control layer that prepares the business for structured exchange, stronger traceability, and faster regulatory response.
Invoice flow that can support the next reporting regime
Design decisions align with VAT in the Digital Age, including traceable invoice events and cleaner transaction lifecycles.
Operational evidence that survives external review
Requests, approvals, service execution, invoicing, payment events, and reporting outputs are connected so digital submissions are backed by source activity.
Prepared for cross-border service and tax workflows
Framed to support businesses that invoice across the EU and need clearer VAT, debtor, payment, and reporting visibility end to end.
The end-to-end pipeline Tqoia is designed to connect
Carry one business event through operations, finance, settlement, and oversight without losing context.
- 01Service RequestCRM captures the initial demand, scope, and accountable parties.
- 02Acceptance / RejectionCRM records the decision point and preserves the outcome as part of the audit trail.
- 03Service DeliveryCRM tracks delivery status so execution is not detached from the original request.
- 04InvoicingInvoicing issues the commercial document from actual delivered work.
- 05Debtor Debit + Revenue CreditAccounting posts the receivable and revenue event with a clear origin.
- 06Bank Statement ScreeningCRM screens inbound bank activity and surfaces candidate payment events.
- 07Matching Bank TransactionsCRM compares actual cash movement with expected settlement.
- 08Payment MarkInvoicing updates the invoice lifecycle when the payment expectation is validated.
- 09Debtor Credit + Bank DebitAccounting closes the receivable and records the bank-side movement.
- 10Monitoring / ReportingCRM keeps operational and settlement visibility available for management review.
- 11Auditors / AuthoritiesReporting exposes a structured, traceable record for review, audit, and regulatory response.
Pricing by managed company count
Pricing scales with the number of companies managed — accessible for small setups, practical for large multi-entity operations.
1–5 Companies
EUREntry tier
100 EUR p/m
Up to 5 managed companies
CRM, invoicing, accounting, reporting
Suitable for focused operators
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6–20 Companies
PopularGrowth tier
500 EUR p/m
Up to 20 managed companies
Better fit for active service groups
Supports higher operational volume
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21–100 Companies
EURScale tier
2000 EUR p/m
Up to 100 managed companies
Built for multi-entity groups
+1000 EUR per additional 100 companies
Contact sales
Accounting module with full reporting depth
Designed for daily bookkeeping, management review, and formal reporting. Financial output for any selected date range — not month-end-only views.
Reporting across the full accounting picture
Generate SOFP, SOPL, Trial Balance, General Ledger, Journal, T-Accounts, VAT Analysis, Fixed Assets Registrar, P&L Analysis, Budget Analysis, Monthly Matrix, and Management Accounts for any period.
Autogenerate entries from real operational sources
Most journal entries autogenerate from sales invoices, bank statements, payslips, and incoming documents — keeping the accounting trail tied to the source transaction.
Document Management that understands what was uploaded
More than storage. Drag a document in and the platform can OCR it, recognise key fields and business context, and connect it to the parties involved.
From uploaded file to structured business record
Drag a file to Tqoia and the system can OCR the document, recognise relevant fields, identify its context, and prepare it for downstream operational, accounting, or compliance use.
Attach the right people and entities automatically
The document module attaches all related parties, helping teams connect files with clients, companies, counterparties, and the workflows they belong to.
KYC / AML / Due Diligence built for regulated businesses
A full customer due diligence platform for law firms, CSPs, ASPs, financial intermediaries, and any regulated business that must demonstrate a structured, auditable approach to knowing its clients.
Explainable, weighted risk scoring across six categories
Each case carries a risk score from six weighted categories: customer profile, ownership structure, geography, product exposure, delivery channel, and live screening. Inherent → mitigation → residual score with automatic tier — Low, Medium, High, or Prohibited. Every factor and weight stored and auditable.
Screening with a full match history
Run sanctions, PEP, and adverse media screening against any linked entity. Each run stores the full payload, confidence score, and match details. Confirmed sanctions matches trigger an automatic hard-stop locking the tier at Prohibited.
Multi-level ownership chains, not flat fields
Capture ultimate beneficial owners and intermediate holding entities with percentage, role, effective date, and UBO flag. Chains span multiple levels so trusts, nominees, and intermediate companies stay traceable.
From onboarding to exit, every stage tracked
Five stages: Onboarding, EDD, Periodic Review, Trigger Review, Exit. Eleven status states track exactly where a case sits — each change carries a timestamp and actor.
Scheduled follow-up built into the case record
Schedule reviews with due dates, assigned reviewers, and a structured findings log. Completing a review can auto-trigger a risk recalculation. History retained permanently.
Auditable decisions and formal SAR filing
Record decisions — Approve, Approve with Conditions, Reject, Suspend, Exit, File SAR — with rationale and actor signature. Every decision supersedes rather than overwrites. SARs filed directly against a case with reference numbers.
Granular access control across modules and entities
Define exactly what each team member can see and do. Roles control module visibility and entity scope independently — so a bookkeeper sees accounting, a case manager sees only their assigned entities, and nothing bleeds across.
Custom roles with module-level permissions
Create named roles and choose exactly which modules they unlock: Accounting, Billing, Invoices, Tasks, Projects, Corporate Register, Ownership Structure, Property Management. Built-in privilege roles (Admin, Manager, SuperUser) always carry full access; ordinary roles are fully configurable. Roles can be activated, deactivated, or deleted as your team evolves.
Limit visibility to specific managed entities
Restrict ordinary roles to a subset of managed entities — users see only the companies or clients their role covers. Combine module and entity constraints on the same role to scope access precisely without writing any code.
Migration and custom development services
Not limited to greenfield adoption. We help businesses move existing data in and extend the product with workflows that match their real operating model.
Bring client data from existing systems into Tqoia
Import from other applications, online platforms, databases, Excel files, and accounting programs. Offered at a negotiated cost based on data volume, source quality, mapping complexity, and validation effort.
Build the workflows your business actually needs
Our team delivers custom features, business-specific modules, and workflow adjustments. New functionality at a reasonable cost based on scope, complexity, and integration requirements.
Tqoia focuses on traceability, readiness, and operational speed
A modern operating layer for businesses that need one application spanning CRM, ERP-style operations, invoicing, accounting, documents, and reporting — with a stronger focus on readiness for ViDA Compliance, Digital Reporting, and Intra-EU B2B operations.
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