Tqoia - Operational CRM, Invoicing, Accounting and Reporting

Tqoia connects front-office action to financial control

Tqoia is designed 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.

CRM that drives action

Service requests, client acceptance, delivery tracking, and post-service monitoring live in the same operational timeline.

CRM

Invoicing linked to reality

Invoices are not isolated documents. They are generated from actual service activity and feed downstream accounting events.

Invoicing

Accounting entries with context

Revenue, debtor, and bank movements connect back to the originating workflow, not just to a ledger line with missing history.

Accounting

Bank statement screening

Expected payments can be screened against bank activity so the system helps move from cash movement to validated settlement.

Banking

Reporting for scrutiny

Management, auditors, external reviewers, and authorities all need traceable output. Tqoia is being shaped around that requirement.

Reporting

Built for configurable businesses

Tqoia is designed to support legal, ASP, property, service, accounting, holding, debt, and startup-style workflows without forcing a disconnected toolchain.

Multi-domain

Platform coverage across the full business stack

Tqoia is being shaped to cover the operational and compliance-heavy areas that 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.

Operations

Corporate Registrar management

Manage the full company's corporate registrar, including appointing or resigning directors, secretaries, signatories, share issues, share transfers, and trust-related records.

Registrar

Organisation structure charting

Build organisation and ownership structure charts with historical trails, so changes over time remain visible and reviewable.

Structures

Accounting and invoicing

Control invoices, accounting entries, management accounts, VAT returns, payrolls, and debtor settlement states.

Finance

KYC, AML, and due diligence

Run full customer due diligence and enhanced due diligence procedures with explainable risk scoring, UBO capture, sanctions and PEP screening, periodic reviews, auditable decisions, and SAR filing — all in one traceable workflow.

KYC / AML / DD

Transaction monitoring and flagging

Monitor transactions with AML and DAC6-aware flagging so suspicious or reportable activity can be surfaced, investigated, and formally reported faster.

AML / DAC6

EU GDPR procedures

Keep GDPR compliance procedures tied to the operational record, including controlled data handling, documentation, and accountability trails.

GDPR

Documents and records

Keep business documents, compliance evidence, and working records aligned with the cases, entities, and workflows they belong to.

Documents

Loans, assets, and incorporations

Track loans, asset-management records, incorporation procedures, and corporate register changes without scattering data across spreadsheets.

Assets

Law, CySEC, and reporting

Provide traceable output for internal teams, external advisers, auditors, regulators, and reporting stakeholders.

Oversight

Projects, processes, and tasks

Run multi-level projects with processes, nested tasks, planned vs actual dates, progress, and milestones so operational delivery stays measurable against commitments.

Projects

Payroll and payslips

Run payroll, generate payslips, and post the matching accounting entries without leaving the platform or re-keying numbers into a separate tool.

Payroll

Events and business timeline

Capture dated business events across entities, with amounts and counterparties, so operational history is available as structured data, not as loose notes.

Events

Travel and residency tracking

Record trips per entity with departure and arrival countries, so non-resident day counts, travel compliance, and residency assertions rest on captured evidence.

Travel

Multi-currency by default

Every monetary field carries the transaction amount plus USD and EUR equivalents at the correct rate, so reporting in any base currency does not require retrospective recalculation.

Multi-currency

AI agents and operational automation

Tqoia includes 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 be paused for human approval before anything sensitive is committed.

Agent Platform

HTTP and MCP transports for external AI

External agents authenticate with scoped API keys, call both an HTTP API and an MCP endpoint, and can trigger the same workflows humans use, while the platform tracks every execution, step, confidence score, and affected record.

Human-in-the-loop

Approvals before anything sensitive ships

Connections declare which actions may run autonomously, such as issuing invoices, creating entities, posting journal entries, or sending email. Anything outside that scope halts for a human approval with a recorded decision and comment.

Scheduled follow-ups

Workflows that continue on their own

Agents can schedule follow-up jobs that the platform dispatches at the right moment, with retry, idempotency, and per-tenant isolation, so multi-step automations run reliably without an external scheduler.

File intake

Turn uploads into structured actions

Files dropped through agent endpoints are hashed, stored, and linked to the execution that consumed them, so AI-driven document processing keeps a verifiable chain from the original file to the posted business record.

Import engines

Bulk onboarding from legacy systems

Dedicated importers cover bank statements, partner and invoice ledgers, journal entries, and generic resources, so large historical datasets can be staged, validated, and committed transactionally instead of entered by hand.

Daily FX sync

Currency rates kept current automatically

A background scheduler refreshes daily exchange rates on every workday so USD and EUR equivalents on new transactions stay aligned with the most recent official reference, without manual upkeep.

Collaboration, notifications, and platform controls

Operational platforms fail when the conversation about a record lives outside the record. Tqoia keeps discussion, delivery, and oversight attached to the underlying data so every user is looking at the same version of reality.

Threaded discussions on any record

Every entity, invoice, bank transaction, journal entry, task, project, document, and event supports threaded discussions with replies and soft delete, so context travels with the record.

Discussions

Scheduled and event notifications

Define manual, one-time, annual, or event-driven notifications, with per-recipient delivery across in-app, email, and Telegram, plus read tracking for audit purposes.

Notifications

Telegram integration

Users link their Telegram account with a one-time code and can receive login alerts, scheduled reminders, and operational notifications where they actually read them.

Personal dashboards and favorites

Each user pins the pages, searches, and workflows they use most often, so daily work starts from a personalised dashboard instead of navigating through the full menu.

Dashboards

Bulk operations and Excel export

Every listing supports multi-row selection for batch updates, deletions, JSON export, and Excel export, so operational data can be reviewed, edited, or extracted at scale.

Bulk ops

Raw data editor for admins

Administrators have a controlled raw editor that exposes every column of any registered table, so rare corrections happen inside the platform with an audit trail, not through direct SQL.

Admin

Multi-tenant by design

Each client firm runs on its own database behind its own subdomain, with a master-tenant control plane for provisioning, lifecycle, subscription state, and stats.

Multi-tenant

Role-based access

Admin, SuperUser, Manager, Regular, and Limited roles combine with CSRF-protected forms, session auth, rate limiting, and a registration honeypot to keep the platform controlled.

Security

Generic cross-linking

A universal record-to-record link table connects any two records across the system with an optional role, so unusual relationships do not require ad-hoc schema changes.

Relationships

Built around the compliance direction Europe is forcing on operations

Tqoia is not positioned as a static bookkeeping tool. It is being shaped as the control layer that prepares the business for structured exchange, stronger traceability, and faster regulatory response.

ViDA Compliance

Invoice flow that can support the next reporting regime

Design decisions are being aligned with the move toward VAT in the Digital Age, including traceable invoice events and cleaner transaction lifecycles.

Digital Reporting

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.

Intra-EU B2B Readiness

Prepared for cross-border service and tax workflows

Tqoia is being 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

The point is not to store documents in separate modules. The point is to carry one business event through operations, finance, settlement, and oversight without losing context.

01
Service RequestCRM captures the initial demand, scope, and accountable parties.
02
Acceptance/RejectionCRM records the decision point and preserves the outcome as part of the audit trail.
03
Service DeliveryCRM tracks delivery status so execution is not detached from the original request.
04
InvoicingInvoicing issues the commercial document from actual delivered work.
05
Debtor Debit + Revenue CreditAccounting posts the receivable and revenue event with a clear origin.
06
Bank Statement ScreeningCRM screens inbound bank activity and surfaces candidate payment events.
07
Matching Bank Transactions with Expected PaymentCRM compares actual cash movement with expected settlement.
08
Payment MarkInvoicing updates the invoice lifecycle when the payment expectation is validated.
09
Debtor Credit + Bank DebitAccounting closes the receivable and records the bank-side movement.
10
Monitoring/ReportingCRM keeps operational and settlement visibility available for management review.
11
Internal/External Auditors/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 in the platform, keeping smaller setups accessible while staying practical for large multi-entity operations.

1-5 Companies

Entry tier

EUR

100 EUR p/m

✓ Up to 5 managed companies ✓ CRM, invoicing, accounting, reporting ✓ Suitable for focused operators

6-20 Companies

Growth tier

Popular

500 EUR p/m

✓ Up to 20 managed companies ✓ Better fit for active service groups ✓ Supports higher operational volume

21-100 Companies

Scale tier

EUR

2000 EUR p/m

✓ Up to 100 managed companies ✓ Built for multi-entity groups ✓ Add 1000 EUR for each additional 100 companies

Accounting module with full reporting depth

Tqoia includes an accounting module designed for daily bookkeeping, management review, and formal reporting. Financial output can be generated for any selected date range, so teams are not locked into month-end-only views.

Financial Statements

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 selected reporting period.

Journal Automation

Autogenerate entries from real operational sources

Most journal entries can be autogenerated from sales invoices, bank statements, payslips, and incoming documents, reducing manual posting effort while keeping the accounting trail tied to the source transaction.

Document Management that understands what was uploaded

Tqoia's document module is designed to do more than store files. Drag a document into the system and the platform can OCR it, recognise key fields and business context, and connect the document to the parties involved instead of leaving it as an isolated attachment.

OCR + Context

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.

Related Parties

Attach the right people and entities automatically

The document module is intended to attach all related parties to the document, helping teams connect files with clients, companies, counterparties, and the workflows those documents belong to.

KYC / AML / Due Diligence module built for regulated businesses

Tqoia includes a full customer due diligence platform designed for law firms, CSPs, ASPs, financial intermediaries, and any regulated business that must demonstrate a structured, auditable approach to knowing its clients, assessing risk, and responding to compliance events.

Risk Engine

Explainable, weighted risk scoring across six categories

Each KYC case carries a risk score built from six weighted categories: customer profile, ownership structure, geography, product and service exposure, delivery channel, and live screening results. The engine produces an inherent score, applies mitigation credits, and outputs a residual score with an automatic tier assignment — Low, Medium, High, or Prohibited. Every factor and weight is stored and auditable.

Sanctions and PEP Screening

Screening with a full match history

Run sanctions, PEP, and adverse media screening against any entity linked to a case. Each run stores the full provider payload, confidence score, and match details. Matches are resolved individually with notes and a recorded actor. Confirmed sanctions matches trigger an automatic hard-stop that locks the risk tier at Prohibited and escalates the case status.

UBO and Ownership

Multi-level ownership chains, not flat fields

Capture ultimate beneficial owners and intermediate holding entities using linked ownership records, each with a percentage, role, effective date, and UBO flag. Ownership chains can span multiple levels so structures involving trusts, nominees, and intermediate companies remain fully traceable inside the platform.

Lifecycle and Stages

From onboarding to exit, every stage tracked

Cases move through five lifecycle stages: Onboarding, Enhanced Due Diligence, Periodic Review, Trigger Review, and Exit. Eleven status states track exactly where a case sits — open, information requested, under review, escalated, approved, conditionally approved, rejected, suspended, closed, exited, or prohibited. Every status change carries a timestamp and actor.

Periodic Reviews

Scheduled follow-up built into the case record

Schedule periodic reviews directly on a case with due dates, assigned reviewers, and a structured findings log. Completing a review can automatically trigger a risk recalculation so the case tier reflects the most recent information. Review history and findings are retained on the case permanently.

Decisions and SARs

Auditable decisions and formal SAR filing

Record formal decisions — Approve, Approve with Conditions, Reject, Suspend, Exit, or File SAR — with rationale and an actor signature. Every decision supersedes rather than overwrites, so the complete decision history is available for audit. Suspicious Activity Reports can be filed directly against a case with reference numbers and confirmation dates.

Case numbering and traceability

Every case receives a sequential reference in the format KYC-YYMM-NNNN, providing a stable identifier for correspondence, file references, and regulatory submissions.

Reference

Five case types

Onboarding, Enhanced Due Diligence, Periodic Review, Trigger Review, and Exit — each case type drives its own default requirement checklist and expected document set.

Case Types

Eight customer profiles

Individual, Corporate, Trust, Partnership, Foundation, Fund, Government Entity, and Non-Profit Organisation — each influencing the default risk score and requirement set for that case.

Customer Types

Requirement checklists

Each case carries a checklist of required items — identity documents, source of funds, source of wealth, and more — with individual status tracking and a due date per requirement.

Checklists

Monitoring events

Log trigger events against any case — large transactions, adverse news, change in ownership, change in business — with a severity score and investigation notes attached directly to the record.

Monitoring

Risk override and versioning

Compliance officers can override the calculated risk tier on any assessment with a documented justification. All prior assessments are versioned and permanently visible on the case.

Override

Migration and custom development services

Tqoia is not limited to greenfield adoption. We can help businesses move existing data into the platform and extend the product with workflows that match their real operating model.

Data Import

Bring client data from existing systems into Tqoia

We can import data from other applications, online platforms, databases, Excel files, accounting programs, and similar sources. Import and migration work is offered at a negotiated cost depending on data volume, source quality, mapping complexity, and validation effort.

Custom Features

Build the workflows your business actually needs

Our development team is ready to deliver custom features, business-specific modules, and workflow adjustments required by the client. New functionality can be developed at a reasonable cost based on scope, complexity, and integration requirements.

Tqoia focuses on traceability, readiness, and operational speed

Tqoia is being built as 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.

One operational chain. One financial truth. One reporting-ready platform.