Bookkeeping software Italy: bank feeds, receipts and the SDI rule
Finn keeps the books of an Italian company in euros. Bank statements come in as CSV or PDF, or through the Mercury, Wise, Stripe and Revolut connections, and Finn categorises every line using what it knows about your business. Receipts and supplier invoices can be sent by WhatsApp, email, Telegram or Slack, and Finn posts the supplier, date, amount and IVA for you to review.
Electronic invoicing through the Sistema di Interscambio (SDI) is mandatory for every partita IVA holder, including forfettari, and an invoice legally exists only once it has been transmitted to SDI. AccountsOS does not transmit to SDI. A PDF invoice from AccountsOS is not a legal Italian invoice. You issue the legal invoice through the Fatture e Corrispettivi portal of the Agenzia delle Entrate or through your own provider, and AccountsOS records it, tracks it and reconciles the payment.
- Sent invoices: you issue them through SDI, then Finn records the invoice and matches the payment in your bank statement.
- Received invoices: forward the PDF copy your supplier or SDI tool provides, and Finn posts it as a bill for review.
- FatturaPA XML files are not read yet, so send the PDF copy.
16 OctThe IVA payment, September lands on 16 Oct. Finn has the figures ready from the ledger two weeks before, with the source beside each box.
IVA return software: rates, LIPE and the annual return
IVA (imposta sul valore aggiunto, Italy's VAT) is 22% as the ordinary rate, with reduced rates of 10%, 5% and 4%. Finn does not guess the rate for an unclear item. It asks you, points you to the Agenzia delle Entrate page and labels any 22% default as an assumption. Monthly filers pay by the 16th of the following month, and Finn works out the IVA position for each period with its workings.
Quarterly filers, with turnover up to €500,000 for services or €800,000 for other activities, pay by 16 May, 20 August and 16 November with a 1% interest surcharge. The fourth quarter is settled by 16 March and the acconto IVA (advance payment) falls due on 27 December. Every filer also sends the LIPE by 31 May, 30 September, 30 November and 28 February, and the annual return is filed between 1 February and 30 April.
Finn tracks all of these dates and prepares the figures from your books, with the source for each rule shown beside it. You or your commercialista send the LIPE and the annual return through the Agenzia delle Entrate portal and pay the F24, because AccountsOS does not submit to the Agenzia delle Entrate or pay on your behalf.
Agenzia delle Entrate compliant accounting: IRES and IRAP
IRES is 24% of taxable profit. IRAP is a separate regional tax on the valore della produzione netta (net production value) with an ordinary rate of 3.90%, which each region may vary by up to 0.92 points. Because IRAP is regional, Finn labels any company tax figure as an estimate until it knows your region.
The Redditi SC return covers IRES and IRAP and is due by 31 October for calendar-year companies. The IRES saldo (balance) and first acconto are paid through F24 by 30 June, and the second acconto by 30 November. A conditional 20% IRES premiale applied to the 2025 tax period only. Finn never applies it silently and asks you or your commercialista to confirm the conditions.
INPS payroll and social contributions
For employees, the FPLD pension contribution is 33.00% of gross pay in total, of which the employee share is 9.19%. Finn does not hardcode one employer percentage, because the exact cost depends on the sector and is confirmed against the current INPS circular. For 2026 the minimum daily pay is €58.13 and the contribution ceiling is €122,295. Self-employed artigiani pay 24% and commercianti 24.48%.
As a withholding agent you send the Certificazione Unica (CU) by 16 March and file the Modello 770 by 31 October. Withholding tax and INPS are paid through F24 by the 16th of each month. Finn tracks these dates. Payslips and the monthly filings stay with you or your consulente del lavoro, since AccountsOS does not submit to INPS.
Registro Imprese filing software: the bilancio and company forms
Formation goes through the Comunicazione Unica (ComUnica), which assigns the codice fiscale and partita IVA, and a PEC (certified email address) is mandatory for companies. An SRL can start with share capital from €1, and an SRLS is open to individuals with capital from €1 to €9,999. An SpA needs €50,000 of minimum capital, a figure Finn tells you to confirm against the Civil Code.
Shareholders approve the bilancio (annual accounts) within 120 days of year-end, or 180 days with a reason in the bylaws. The deposit at the Registro Imprese follows within 30 days of approval. Finn prepares the figures and tracks the dates, and you or your commercialista deposit the accounts, since AccountsOS does not submit to the Registro Imprese.
Regime forfetario for sole traders and professionals
The regime forfetario is a flat-rate regime open up to €85,000 of revenue. A taxpayer who exceeds €100,000 of revenue in the year leaves it in that same year. The substitute tax is 15%, or 5% for the first five years of a new activity, applied to revenue multiplied by the coefficiente di redditività for the ATECO code. Forfettari charge no IVA and pay no IRAP.
Forfettari must still issue electronic invoices through SDI, so the same rule applies as for any partita IVA holder. You issue the legal invoice through the Fatture e Corrispettivi portal or your provider, and Finn keeps the books, never adds IVA to your invoices and reconciles the payment when it arrives. Finn keeps your revenue in the ledger, so you and your commercialista can see where you stand against the €85,000 limit.
Fatture in Cloud alternative: switching to Finn from your current software
If your books are in Fatture in Cloud, TeamSystem or Zucchetti, you can move to AccountsOS without starting again. Export your chart of accounts, contacts, invoices and transactions as CSV files and upload them, and Finn maps the columns itself, whatever shape your export takes. You review the result, and your history is in one place from day one.
Nothing locks you in. Because AccountsOS does not transmit to SDI, keep issuing your legal invoices through the Fatture e Corrispettivi portal or your provider. If your current tool is also your SDI channel, keep using it for that one job while Finn takes over the bookkeeping, the IVA position and the deadline tracking.