Puzzle vs SBKA

Puzzle is AI-powered accounting software built around a general ledger and real-time financials. It supports cash and accrual accounting from the same underlying ledger. Puzzle Chat answers business questions in plain English, while Cowork can match invoices to payments and find subscriptions for review. AI agents can categorize transactions, reconcile accounts, and flag exceptions; users can review and edit these actions before financial statements are finalized. The listed integrations include Stripe, Ramp, Brex, Mercury, Gusto, Rippling, Deel, Meow, Causal, Runway, Bill.com, Central, MyRunwayHealth, and Joiin. Puzzle says integrations are read-only, data is encrypted using AES 256-bit encryption, and customers own their data. The company also states it is SOC 2 compliant, with role-based access, encryption in transit and at rest, and audit traceability for user activity and approvals. Puzzle is designed for startups and small and medium businesses, with services described as scaling from pre-seed to Series B. Customers can buy software alone or pair it with bookkeeping services. Starter costs $30 a month; there is no free plan, and a 14-day trial is listed.

SBKA is an AI-assisted bookkeeping platform for small businesses in the EU, available on web, Android, and iOS through an installable PWA. Users can describe a transaction for SBKA to draft a bookkeeping entry, which they review and approve. It also analyzes uploaded or emailed invoices and receipts, and matches imported CSV bank statements. Reports cover income, balance, VAT, and SIE/SAF-T. The platform supports 39 currencies, daily ECB exchange rates, and historical rates from 2006; it lists support for 13 EU countries. Users can export data as JSON. SBKA says documents and sensitive database fields are encrypted with AES-256-GCM, communications use TLS 1.2+, and personal data is pseudonymized before AI analysis. Two-factor authentication is mandatory, and users are responsible for reviewing AI suggestions before saving them. Plans are Enskild at €490 a month, Start at €1,590 a month, Företag at €3,490 a month, and Byrå at €12,990 a month. A 10-day trial is available; some freemail registrations require a credit card to activate it.