Challenge
Accounting scattered across five systems
Invoices in one application, the bank in another, KSeF on a government website, taxes calculated at month end and counterparties checked by hand – register by register. Such fragmentation means retyping data and different numbers in different places.
Solution
One system: documents, KSeF, taxes, bank and counterparties
Numelio brings these elements into a single flow on a single database. AI reads the documents, a deterministic engine calculates taxes using versioned rates, and a human approves every entry. A transfer from the bank statement is matched to an invoice, the invoice builds the VAT register, and the register builds the return.
Platform modules
- Accounting for sole traders and limited companies
- Automated document flow: OCR, AI extraction, validation
- KSeF: purchase intake and FA(3) sales dispatch
- VAT / CIT / PIT and JPK_V7M(3) from the books
- AI Accountant – answers sourced from the books
- Counterparty 360: KRS, VAT White List, VIES
- Bank: CSV / MT940 import and transaction reconciliation
- Reports: P&L, balance sheet, turnover and balances with drill-down
- Auditable architecture: data isolation, operations log
The product up close
AI Accountant – amounts from the tax engine, not from the language model 
Bank reconciliation – matches with a confidence level 
Counterparty 360 – public registers and cooperation history 
Tax engine – versioned rates with their source
Product status
According to numelio.pl/o-nas (as of September 2026). Numelio does not publish client numbers or reviews – neither do we.
Live in the product
- Document flow: reading, extraction, validation, posting
- Full accounting: chart of accounts, journal, reversals, period closing
- VAT / CIT tax engine with versioned rates
- KSeF: purchase intake, FA(3) sales dispatch
- Statement import and bank reconciliation
- Reports: P&L, balance sheet, turnover and balances with drill-down
In development
- Bank connections via API (PSD2)
- Extended views for accounting firms
- Legal documents (terms, DPA) in downloadable form
What this project shows
Competence in building SaaS platforms – not only Web3
Numelio is a complex financial platform: KSeF integration, a calculation engine with versioned rules, AI with a clear boundary of responsibility and an architecture in which every operation leaves a trace. It is the same kind of engineering that tokenization platforms require – investor dashboards, verification and settlements.
