The financial team for the AI era.

Real-time bookkeeping, clear insights, and complete tax filings tailored to your business. Powered by AI agents, verified by experts. For a fixed monthly fee.

Join waitlist
Defter
Rabobank
Studio Vonk

NL91 RABO •••• 4

Connecting...

Maart 2026

Exact Online B.V.

Software · 03 mrt

-€49,00

KPN Telecom

Telecom · 05 mrt

-€32,50

Klant Betaling #1042

Revenue · 07 mrt

+€2.400,00

Zoom Video Comms

Software · 08 mrt

-€22,00

Albert Heijn

Office · 10 mrt

-€67,43

Klant Betaling #1043

Omzet · 12 mrt

+€1.850,00

Bol.com Zakelijk

Inkoop · 14 mrt

-€189,95

PostNL Verzending

Logistiek · 15 mrt

-€8,95

Vattenfall Energie

Energie · 17 mrt

-€245,00

Slack Technologies

Software · 19 mrt

-€12,50
Defter
Defter

online

Good morning! ☀️ March cashflow +€4.180 09:14
3 invoices open (€2,850). Send reminder? 09:14
Yes, send them 09:15
Sent to 3 clients. ✔️ 09:15
👍
4 transactions without receipt. €320 VAT to reclaim. 09:15
Sent them via email 09:16
Received and matched. ✔️ 09:16

Built by engineers and financial experts from

Optiver
Belastingdienst
EY
PwC

Books that are always right.

Books that never fall behind.
Defter

SaaS Invoice

  • €142,00
  • 31 dec
  • Software
Visa

Bank Transaction

  • €142,00
  • 31 dec
  • VISA ••3160
Matched

Books that never fall behind.

AI processes your finances continuously. Always up to date, without lifting a finger.

Clear answers, when you need them.
Defter
How much VAT will I get back in Q1?
Retrieving transactions from January to March...
Checking VAT categories and rates...
Searching for missing receipts and invoices...
Collecting data and writing report...
Defter
Here's your Q1 overview.

VAT Report Q1

January – March 2026

Retrieving transactions from January to March...
Checking VAT categories and rates...
Searching for missing receipts and invoices...
Collecting data and writing report...
Defter
Here's your Q1 overview.

VAT Report Q1

January – March 2026

Clear answers, when you need them.

Ask questions in plain language about cashflow, VAT, revenue, and payroll without digging through reports or spreadsheets.

Your own financial partner.
VAT Return Q1
15 april 2026
€1.247

To be reclaimed

BTW_Q1_2026.pdf
Filed

Your own financial partner.

A dedicated financial team that knows your business, handles the details, and takes responsibility. Powered by AI that eliminates the routine work.

We work where you work.

Defter connects with your existing tools and keeps everything up to date in the background.

Integrations

WhatsApp, Slack, 1,600+ banks, and more. All connected, always up to date.

ING
ABN AMRO
Rabobank
Moneybird
Nmbrs
ING
ABN AMRO
Rabobank
Moneybird
Nmbrs
Defter
Slack
Outlook
WhatsApp

VAT Scanner

Missing receipts? We find them by checking every week whether you're reclaiming all your VAT.

VAT Refund
Found

€847

To be reclaimed this quarter

3 receipts
Q1 2026

Invoices

Create and send invoices via WhatsApp or Slack, with a single message.

WhatsApp WhatsApp

"Invoice €2,400 to Bakkerij Jansen for branding package"

14:32
Defter
Invoice
#2026-047

€2.400

Bakkerij Jansen

Branding package
Sent

Reminders

Outstanding invoices are automatically followed up. No more manual emailing.

Studio Vermeer

€3,200 · 21 days overdue

2w

Bakkerij Jansen

€1,200 · 14 days overdue

1w

De Groene Winkel

€680 · 7 days overdue

Sent

Reliable. Affordable.

For businesses that want to grow without worrying about their finances.

Startups

Startups

Founders building their business, not spreadsheets.

Agencies

Agencies

Creative teams with complex invoicing.

E-Commerce

E-Commerce

Webshops with hundreds of daily transactions.

And More

And More

Freelancers, consultants, and growing teams.

Focus on growing, we handle the rest.

Join waitlist

Frequently Asked Questions

What does Defter do exactly?

Defter is your financial team, powered by AI agents. We process transactions in real time, answer financial questions instantly via WhatsApp and Slack, chase outstanding invoices, and prepare your VAT filings. With financial experts who verify everything.

How is Defter different from traditional accountants?

Traditional accounting firms work retroactively and reactively. Defter works in real time and proactively. Transactions are processed continuously, your books are always up to date, you get instant answers to any financial question, and you're proactively informed about savings and deadlines.

Who verifies the books?

AI processes and analyzes continuously, but certified accountants verify your books and sign off on your filings. You get the best of both worlds.

What does Defter integrate with?

Defter connects with over 1,700 banks in 15 countries, Moneybird, payroll (Nmbrs, Employes), WhatsApp, Slack, Outlook, and Peppol for e-invoicing.

What does Defter cost?

Fixed monthly rate, no surprises. Book a demo for a tailored price.

Defter

Address

Tijplaats Es 8

7541 PJ Enschede

The Netherlands

Contact Info

+31 6 80 10 54 72

hi@defter.nl

KVK: 97649775