Finrate AG
St. Gallen
- Bookkeeping across several banks and currencies
- 2026 VAT returns straight from the books
- Contracts with e-signature, invoice on signature
- Payroll runs and supplier payments as bank drafts
What Blue Books replaces
Your whole finance function. In-house and external.
In-house · instead of hires
External · instead of mandates and tools
Blue Books covers all of it, with a dedicated team and one piece of software.
CFO
- Budget, planning and liquidity
- Monthly and annual closing
- Reporting to the board
- Banks, audit and taxes
Finance manager / accountant
- Bookkeeping on the Swiss SME chart of accounts
- Payables and payment runs
- VAT returns and reverse-charge tax
- Payroll and social insurance
Revenue Ops
- Contracts with electronic signature
- Invoice on signature
- Incoming payments and dunning
- Revenue by customer, product, period
Fiduciary
- Bookkeeping and closing entries
- VAT returns
- Annual accounts ready for the auditor
- Point of contact for tax office and auditor
Payroll bureau
- Monthly payroll runs with approval
- Social insurance contributions
- Payouts as bank drafts
- Employment contracts and personnel files
Software and tools
- Accounting software
- Invoicing and dunning
- Receipt capture and expenses
- E-signature for contracts
Not replaced: your statutory auditor. We prepare everything for them.
Cost
What three full-time hires cost
Per year, about CHF 430'000
- CFO
- 145'000
- Finance Manager
- 120'000
- Revenue Ops
- 110'000
- Employer contributions
- 56'000
Blue Books: one fixed monthly fee.
- No recruiting
- No fiduciary mandate
- No holiday gaps
- Cancel any month
- Software included
Estimates: median annual salaries in Switzerland from salary surveys 2024–2026 (including the WEKA CFO salary study and lohncheck.ch), plus about 15 % employer contributions for AHV/IV/EO, unemployment insurance, BVG pension and accident insurance. Not included: fiduciary fees, payroll bureau and software licences.
Who it’s for
Built for Swiss AGs with CHF 1–50m revenue.
Big enough to need a real finance department. Too small to hire three people for it.
Blue Books
1m51050m
Annual revenue in CHF, logarithmic
- Company limited by shares (AG) based in Switzerland
- VAT-registered, accounts in several currencies
- Customer contracts, recurring invoices
- Today a fiduciary and a pile of tools, no finance team of your own
How it works
We prepare. You approve.
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Receipts by e-mail
Invoices and receipts go to your own address. The software reads them, we check them.
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Banks connected
Accounts, cards and payment providers come in daily and are reconciled.
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Approval on your phone
You approve payments, closings and VAT with a passkey. Whoever prepares never approves.
In use at
The first companies already run on Blue Books.
Dynamic Peg AG
Zurich
Operates Blue Books and keeps its own books on it.
- On Blue Books since its founding in September 2026
- Customer contracts and invoices from the system
- Receipts by e-mail, read with AI
Your data
The books are yours.
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Your own database
Separate per company, never shared tables.
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Encrypted
Documents encrypted, entries chained and immutable.
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EU, Switzerland on request
Hosted in Germany, a Swiss data centre when your contract requires it.
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Four eyes
Whoever prepares never approves.
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AI only with your consent
Switched on or off per company.
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Export any time
Everything in open formats, deletion with confirmation. Data processing