80+
Countries with local payment rails, native to the ledger
sevDesk is simple, well-priced bookkeeping for freelancers and small German companies: e-invoicing, ELSTER filing, bank matching and a DATEV handover to your Steuerberater. Its own help centre is clear that it is not mandantenfähig: one account per company, and the balance sheet is prepared for your advisor rather than produced in the product. Light is the agentic accounting platform for companies that have grown past that: one ledger for every entity, continuous consolidation, AP, AR, cards and spend in the same system, and agents that do the work.
Book a demoCountries with local payment rails, native to the ledger
Revenue Tillo runs on Light across 8 entities
Cut in Tillo's month-end processing time
People on the finance team scaling Lovable to $500M revenue
| Light | sevDesk | |
|---|---|---|
| Implementation | Weeks, with a dedicated implementation team and account manager included | Self-serve, with a free tier to start; each additional company is another account with its own login |
| Architecture | One AI-native ledger; consolidation posts as transactions happen | One account per company, in sevDesk's own words not mandantenfähig; a group is several accounts and a spreadsheet, and the balance sheet is prepared for your Steuerberater |
| Agents | Agents complete work end to end inside your controls; every action logged and attributable | AI reads receipts and proposes which payment matches which invoice; in sevDesk's words, you keep the last word. Sevi, which sevDesk calls a KI agent, answers questions from its help content |
| Configuration | Astra learns from your data and suggests workflow and configuration changes to increase performance; applied in-product, no consultants | Self-serve within one company's scope; cost centres, BWA and the REST API on Buchhaltung Pro |
| Subscription management | Contract-based invoicing and deferred revenue automated | Recurring invoices on an interval you set, created and sent automatically (sevdesk.de/wiederkehrende-rechnungen, accessed 2026-09-17); e-invoices and dunning levels |
| Spend management | Corporate and virtual cards with Apple Pay and Google Pay, expense capture via Slack, Teams and email, native to the ledger | Cards from your bank connect as payment accounts by bank feed or CSV import; receipts captured by app, email or upload |
| Global bill pay | AP and vendor payments executed on local rails in 80+ countries, from the ledger itself | Transfers sent from sevDesk through your connected bank (4,000+ banks); Wise connects for euro transactions, and foreign-currency spend is booked in euros |
| Advanced reporting | Real-time multi-entity reporting with instant drill-down; no spreadsheet exports | EÜR and GuV, plus BWA and cost centres on Pro, for one company; the balance sheet is prepared for your advisor |
| SaaS metrics | ARR, MRR, NRR, churn and cohort metrics computed from the ledger and contracts, in real time | Not a sevDesk function; tracked outside the ledger |
| Global coverage | Local payment rails in 80+ countries; multi-entity, multi-currency by default | German company and German filings (ELSTER UStVA, EÜR, OSS); invoices in 50+ currencies, with the books kept in euros |
sevDesk is good at the job it was built for: the books of a freelancer, a founder or a small German company, kept by the owner and closed by the Steuerberater. It writes XRechnung and ZUGFeRD e-invoices, files the UStVA through ELSTER without a separate certificate, matches transactions from more than 4,000 banks, reads receipts with AI, and hands booking data to your advisor through a DATEV or ADDISON interface with a free advisor login (sevdesk.de/funktionen and sevdesk.de/preise, accessed 2026-09-17). Many companies run on it happily and have no reason to move.
The reason teams do move is structural, not a matter of size. sevDesk's own help centre says it is not mandantenfähig and that every company to be billed needs its own account, with a 10% discount on accounts two to five and 20% on six to ten (hilfe.sevdesk.de, article dated 11 November 2024, accessed 2026-09-17). Light treats the group as the default: one ledger, several entities, consolidation posting as the transactions do, with AP, AR, cards, spend and reporting on the same record, and agents carrying out the routine work inside controls you set.
A group on sevDesk is a set of separate accounts, one per tax number, each with its own login, its own bank connections and its own advisor handover. Cost centres let you split one company's books; they do not join two companies. Intercompany balances, currency translation and the consolidated position are assembled outside the product, usually in a spreadsheet or at the advisor's office, after each company has closed. The balance sheet is not produced in sevDesk either: the product prepares the EÜR and GuV and, in its own words, helps you prepare the Bilanz, which your Steuerberater then produces from the DATEV export (sevdesk.de/jahresabschluss-software, accessed 2026-09-17).
None of that is a defect. It is what bookkeeping looks like when the design unit is one company at a time. It becomes a cost the moment a group needs its numbers weekly rather than at year end. On Light there is nothing to assemble: every entity posts into the same ledger, intercompany eliminations and currency translation apply as transactions happen, and you drill from the group figure to the source document.
Credit where it is due. sevDesk describes itself as perfect for Selbstständige such as Freiberufler and Kleinunternehmer, and it is (sevdesk.de/buchhaltungssoftware, accessed 2026-09-17). Its GoBD page is candid that responsibility for compliance stays with you as the business owner, and the product supports it with unchangeable document storage and a full audit trail. Invoices can go out in more than 50 currencies with the exchange rate applied and the books kept in euros. Transfers can be sent from sevDesk through your connected bank, and your bank's cards connect as payment accounts by bank feed or CSV import (hilfe.sevdesk.de, article dated 27 January 2025, accessed 2026-09-17). The AI reads receipts and proposes matches, and sevDesk says plainly that you keep the last word.
Each of those is a single-company feature, and each stops at the account boundary. The payment run is one company's bank; the card is your bank's card, imported; the DATEV export is one Mandant. Light issues physical and virtual cards natively across the group, captures receipts in Slack, Teams and email, and executes vendor payments on local rails in more than 80 countries from the ledger itself, so there is no batch to import and no month-end tie-out between the money and the record. Your Steuerberater keeps the advisory role and gets live access to the ledger instead of a period-end export.
A freelancer, a founder or a single German company, trading mainly in euros, with the owner doing the day-to-day and a Steuerberater closing the year, is exactly who sevDesk is for. It is cheaper and simpler than anything an agentic platform can offer that company, and staying put is the right call.
The case for Light starts when the shape of the business changes: a holding and an operating company, a second or third entity, revenue in several currencies, a board that wants consolidated numbers before the month is cold, or a finance team that wants to run the platform itself rather than wait for the close.
sevDesk's help centre says it directly: sevDesk is not mandantenfähig, and every company with its own tax number needs its own account, with a discount from the second one. A holding plus an operating company is two logins, two bank connections and a spreadsheet in between. Light runs every entity in one ledger, with consolidation posting as the transactions do.
sevDesk keeps the books, produces the EÜR and the GuV, and hands over to your Steuerberater for the balance sheet by DATEV export. For a Freiberufler that is the right division of labour. For a group with a board, it means the consolidated balance sheet is the last thing to arrive. On Light it is a report you open, with drill-down to the document.
sevDesk reads receipts and proposes which payment belongs to which invoice, and a person confirms each one; sevDesk says so itself. Light's agents code, match, chase and post themselves, inside thresholds you set, with every action logged and attributable.
“We evaluated several vendors. Light won because it covers our full finance stack, revenue, AR, AP, expenses, and consolidation, without stitching together a patchwork of point solutions.”
TanjaDirector of Finance, Omnea
Leverage native products for AP, AR, Procurement and budgeting that seamlessly leverage AI and integrate to Slack and Teams.
Whether you are processing 100,000 or 50 million transactions, the Light Ledger is based on a hyper-performant database.
Stop the reporting headache of spreadsheets, and get fast, intuitive reports with instant drill-down capabilities.
Enjoy integrated products that both finance and the employees enjoy using.
Automate expense approvals, track spending in real-time, and gain insights with AI-powered analytics.
Streamline vendor relationships with simplified onboarding, tracking supplier performance, and enforcing procurement policies.
Issue vendor and employee cards with Apple Pay and Google Pay globally. Upload receipts via Slack, Teams or email.
Yes, for groups. Light is the accounting system of record: general ledger, continuous multi-entity consolidation, AP, AR, cards, spend and reporting in one platform, with agents doing the work inside your controls. If you are a freelancer or a single German company with straightforward books and a Steuerberater who closes the year, sevDesk is likely still the better-value choice.
Not in one account. sevDesk's help centre says it is not mandantenfähig and that every company with its own tax number needs its own account, with a discount from the second account (hilfe.sevdesk.de, article dated 11 November 2024, accessed 2026-09-17). Cost centres split one company's books; they do not join two. Light consolidates every entity continuously in one ledger, with no merge step.
Yes. Your advisor keeps the advisory role and gets real-time access to the ledger and reports instead of a period-end export, so questions are answered against live data. Which German filing formats you need, and how the handover should work, is worth walking through concretely in a demo.
Size is not the test; structure is. A twenty-person company running a holding, an operating company and a foreign subsidiary has outgrown one-account-per-company bookkeeping, and a hundred-person single entity may not have. If consolidation happens in a spreadsheet, or the second login has arrived, the fit begins there.