Billomat Review 2026

What Billomat Can and Cannot Do

Billomat positions itself as invoicing and accounting software for self-employed and small businesses. In practice, the focus is clearly on invoicing. The accounting features are solid, but not as comprehensive as sevDesk or Lexware Office.

What Billomat Can Do

• Create and send invoices, quotes, and reminders via email
• E-invoices in XRechnung and ZUGFeRD format (all plans)
• Automatic document recognition via OCR
• Income statement (EUeR) and financial analysis (BWA) (from Business)
• Online banking with automatic payment matching (from Business)
• DATEV export and DATEV booking data service (from Business)
• REST API for custom integrations
• Factoring, finetrading, leasing, and collection via aifinyo
• Mobile app for iOS and Android

What Billomat Cannot Do

• No balance sheets or profit-and-loss statements (GuV)
• No standard chart of accounts (SKR03/SKR04)
• No payroll accounting
• No time tracking
• No customer portal for end customers
• Professional plan: no banking, no DATEV, only 30 documents/month

Those looking for an EUeR solution with integrated invoicing and who want to factor invoices will find an interesting combination at Billomat. For companies requiring balance sheets or chart of accounts, the software is not suitable.

Plans and Pricing in Detail

Billomat offers three plans. All prices are net, VAT is added. There is no free permanent version, but a 14-day trial period.

Cancellation period: 14 days before contract end. Minimum term: 1 month. This is fair compared to many providers that require longer commitments.

What You Should Know About the Professional Plan

The Professional plan sounds attractive at EUR 19/month (annual). In practice, essential functions are missing: no banking, no DATEV export, no EUeR, and only 30 documents per month. Basically, it is a pure invoice tool. For complete accounting, you need at least the Business plan from EUR 29. Compared to Papierkram offers a free tier with more basic functions.

Factoring and Financing: The Unique Selling Point

What distinguishes Billomat from sevDesk, Lexware Office, or FastBill are the integrated financial services of parent company aifinyo:

• Factoring: Get paid immediately for open invoices instead of waiting. aifinyo takes over the default risk.
• Finetrading (purchase financing): Have supplier invoices prepaid. Available as an add-on for EUR 49/month with the Business plan.
• Leasing: Lease equipment via aifinyo.
• Collection: Professional receivables management if customers do not pay.

For companies with liquidity bottlenecks or long payment terms, this is a real advantage. Invoices are created in the software and can be submitted directly for factoring without changing providers.

E-Invoicing: XRechnung and ZUGFeRD

Since January 1, 2025, all companies in Germany must be able to receive electronic invoices. From 2027, sending will also become mandatory for many companies. Billomat supports both relevant formats in all plans:

• XRechnung: XML file per EN 16931, required for public sector clients. Leitweg-ID is supported.
• ZUGFeRD: PDF/A-3 with embedded XML. Special at Billomat: A ZUGFeRD invoice automatically contains a valid XRechnung.

That e-invoicing is included in the cheapest plan is a plus point. Some competitors only offer this in higher plans.

Tax Advisor Collaboration

The DATEV connection is available from the Business plan. Billomat offers both classic DATEV export and DATEV booking data service for direct data transfer. The tax advisor can receive their own access.

In the Professional plan, DATEV connectivity is completely missing. Anyone working with a tax advisor (and most self-employed do) must book at least the Business plan.

API and Integrations

The REST API is one of the reasons tech-savvy users choose Billomat. The Business plan provides 100 API calls per 15 minutes, the Enterprise plan offers 300 calls plus a sandbox environment for testing.

Available integrations include:

• Shopify: Automatic invoice creation for orders
• Zapier: Workflow automation with hundreds of other tools
• aifinyo services: Factoring, finetrading, leasing, collection

Compared to BuchhaltungsButler or sevDesk, the selection of native integrations is smaller. Those who do not want to use Zapier must build custom integrations via the API.

Pros and Cons

Billomat Compared to Alternatives

Billomat is more expensive than most alternatives while offering fewer accounting features. The decisive difference is the integrated factoring. Those who do not need it usually get better value with Lexware Office or sevDesk and receive more features for less money.

What Users Say: Reviews Overview

The picture is mixed. App ratings are significantly better than Trustpilot experiences. There, users frequently criticize the redesigned user interface, occasional software bugs, and support availability. EXPERTE.de praises the feature scope for invoices and interfaces but notes the cumbersome operation.

EXPERTE.de category scores: Documentation and support 1.3 (very good), Interfaces and extensions 1.7 (good), Creating invoices 2.0 (good), Accounting 2.3 (good), Setup and operation 3.0 (satisfactory).

Who Is Billomat Suitable For?

The Company Behind Billomat

Billomat was founded as a startup in Nuremberg in 2007. In May 2022, aifinyo AG (founded in 2012 in Dresden by Stefan Kempf and Matthias Bommer) acquired all shares of the then Billomat GmbH and Co. KG. The acquisition was partially through purchase, partially through issuance of new aifinyo shares.

aifinyo AG is listed on the stock exchange (HRB 246794 B, AG Charlottenburg) and pursues a concept it calls "Smart Billment": invoicing, financing, and payment processing from a single source. Billomat is the central product for the invoicing side.

Data Security and Certifications

Billomat stores all data in ISO 27001 certified data centers in Germany. Contractual conditions are subject exclusively to German law. Certifications include:

• GoBD-compliant: Audited per IDW PS 880 by interev GmbH (September 2019)
• ISO 27001: Information security management
• ISO 27018: Certification for secure cloud solutions
• TUeV Saarland: Customer satisfaction seal Grade 1.8 (March 2020)
• BITMi quality seal: Federal Association of IT SMEs

Those who need to protect digital data should additionally consider cyber insurance for SMEs Self-employed and freelancers often underestimate the risk of a cyber attack on their accounting data. Professional liability insurance is also recommended for freelancers and service providers.

Conclusion: When Is Billomat Worth It?