blueoceanfinance

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AI bookkeeping for companies — ready for your tax advisor

Can your bookkeeper keep up with this?

Manual work per month

Conventional
33.3 hrs
BlueOcean
≈ 10.4 hrs

Cost per month

Conventional
€1,667
BlueOcean
€598 incl. software

689 of 1,000 expenses done overnight

Per 1,000 expenses a month. Measured on 23 Oct 2026: the software does 68.9% overnight, 47 expenses and €3.76 per client. Assumption: 2 minutes per expense by hand, €50/h — with BlueOcean for the remaining 311. Software at the tax-firm price (1,000 expenses ≈ 21.3 client-months); for companies we set the price in the conversation.

An AI does the preparatory bookkeeping — overnight. You only review what is left, and your tax advisor gets the finished month.

Individual project · free conversation with Karl Pusch · name and email are enough

Measured, not promised

The strong numbers first. The honest one last.

Measured on the real data of our first firm, with around 40 clients. Every figure with month and definition.

99.8 %

of receipts read by the machine

September 2026 · all receipts of the firm

“Read” does not mean “read without error”: we do not measure whether every field is right.

94.8 % of all matches are set by the software itself

October 2026, as of 25 Oct · matches confirmed by hand do not count

October is still running. This is the status of 25 Oct.

84.8 % of receipts with a matching payment in the account are matched

September 2026 · 77.1% of them with no one touching them

Where no payment sits in the account, nothing can be matched. Subscriptions and instalments skew this rate in both directions.

68.4 % of all expenses done without anyone touching them

  • matched
  • never needs a receipt
  • waits for a person

September 2026, the last full month

Almost a third waits for a receipt or a decision only a person can supply. The screen shows exactly which one each time.

57.7 % → 68.3 % The same August, over six weeks

55606570 9 Sep 22 Oct

Same data (26–27 client-months): from 57.7% to 68.3%, plus 10.6 points. The jump at the end is a single night with new matching rules, not a steady climb. From 23 Oct new clients joined, so the data is no longer comparable after that.

The last 30 nights

26.0930.0904.1008.1012.1016.1020.1024.10 onboarding new clients
  • receipts read
  • matches set

Every night from 2 to 8 am, with nobody at the desk. The two tall nights are new clients being read in, not normal operation. A night without new receipts often has no matches: not an outage, nothing new arrived. Bar heights are compressed (square-root scale), otherwise the normal nights would not be visible.

As of 25 Oct 2026, totals only, no client data. We do not yet count how many matches are wrong. That is why there is no “99% correct” here, and we do not write it anywhere.

Sound familiar?

Three problems that come back every month.

In your company

Figures arrive too late

By the time the books are done, the month is long gone.

Receipts everywhere

Company cards, subscriptions, ad accounts — someone has to chase every receipt.

It all hangs on one person

If your bookkeeper is out, the month-end close stops.

At your tax advisor

Hardly any skilled staff

4 in 10 German tax firms suffer badly from the skills shortage. Clean data saves the scarcest time there.

Queries and deadline pressure

Missing receipts, chasing by phone — and just before the deadline everything lands at once.

Searching costs

Every hour of searching for and matching receipts costs — on your side or on your tax advisor’s invoice.

Skills shortage: DATEV Seismograf, 6th wave, June 2026, 398 German tax firms.

The solution

Three reasons — measured, not promised.

Done overnight

95.6% of matches in October were set by the software itself. In the morning the new state is ready.

Cents, not hours

0.40 ct AI per booking. Per 1,000 expenses €598 instead of €1,667.

Better every month

Decided once, applied automatically next month. The same August: from 57.7% to 68.3% done.

Measured on 23 Oct 2026 (case study). €598 and €1,667 use the assumption from the chart above: 2 minutes per expense, €50/h.

Yes, but …

The three most common objections.

“What if the AI books it wrong?”

Nothing is closed without your approval. Every match names the rule that set it.

“Our data with an AI?”

Clients separated in the database, every AI call logged — built by a certified data protection officer (TÜV).

“My tax advisor uses DATEV.”

Honestly: the DATEV export is still being built. Until then your tax advisor gets the data reconciled as ZIP and PDF.

A fit: companies with many transactions and tax firms with many bookkeeping clients.

Not a fit: small businesses with a handful of receipts a month.

In short

Four questions, four answers.

What is it?
Software with AI that takes over your preparatory bookkeeping: reading receipts, proposing entries, matching payments to invoices — and handing the finished month to your tax advisor.
Who is it for?
For companies with many transactions that want to automate their bookkeeping and have their own tax advisor. Also for tax firms that want this for their clients.
What do I get out of it?
You stop typing and start reviewing. Your figures are ready sooner, and your tax advisor gets clean, reconciled data instead of a pile of receipts.
What does it cost?
For tax firms an amount per client per month; the figures are further down. For companies we set the price in the conversation, based on your volume.
How it runs

This is how a month goes.

Five steps. The software does three, you do two.

  1. The receipts arrive on their own.You upload them in the portal, send them by email or drop them in Dropbox. Nobody collects them, and nobody has to chase anyone by phone.
  2. The AI reads every receipt and proposes the entry.Supplier, amount, tax rate. Confirm a supplier once and the software recognises it from then on — kept apart from every other customer.
  3. The bank statement is reconciled.Payments and invoices are matched to each other, including fees, partial payments and recurring debits. This is the work that is still mostly done by hand today.
  4. You review what is left.Whatever was unambiguous is already posted. Only what needs a decision is put in front of them — usually a handful of lines instead of hundreds.
  5. You approve and hand over the month.After that the state is stored GoBD-compliant and can no longer be changed. Your tax advisor gets it as a ZIP: receipts, invoices, bank statements and report, with a table of contents.
Your side

This is what you see.

No accounts, no journal entries, no jargon. Just a list of what you still have to supply, with the button next to it that deals with it. Whatever the software matched by itself never appears for you at all.

portal.blueoceanfinance.ai

Inbox

August 2026

Your accountant is waiting for four things. Everything else is done.

12 Aug Adobe Systems Creative Cloud · paid by card Receipt missing −€59.99 Upload
21 Aug Kuutio Property Ltd Office rent, August Rent — please send the lease −€1,053.15 Send contract
28 Aug Revolut Business Account fee, August Bank fee — no receipt needed −€8.00 nothing to do
Example view · invented names and amounts
Being built

Good morning

Nordlicht Media · August

4 receipts still missing
Photograph a receipt

Still needed

Adobe Systems12 Aug · Creative Cloud €59.99
Hetzner Online14 Aug · server €171.33
Kuutio Property21 Aug · lease €1,053.15
Example view · invented names and amounts

Today receipts arrive through the portal, by email, from Dropbox or GetMyInvoices. The phone app is still being built. As one of the next companies you help decide what gets finished first.

For tax firms

This is what a tax firm sees in the morning.

Of this client’s 184 expenses in August, three are still waiting for a decision. Each one says why it is open.

kanzlei.blueoceanfinance.ai

Nordlicht Media Ltd

August 2026

184 expenses · last computed today at 04:30

Every expense of the month — and how far it has got

Someone has to decide here3 of 184
07 Aug Facebk *24mlmxdyg2 Dublin Suggestion: Meta Platforms · invoice 2026-08-114 · name confirmed before Suggestion — please confirm −€842.10 Confirm
19 Aug Main account → savings account Money moved between two of the company’s own accounts — it never left the business Internal transfer — no receipt needed −€25,000.00 done
23 Aug Hetzner Online No receipt in the folder · requested from the client on 8 Sept Receipt missing — awaiting an answer −€171.33 Remind
Learned: “Facebk * …” is Meta Platforms39 spellings

Confirmed once, automatic from then on — the bank appends a different number to every card payment.

Example view · invented names and amounts
Our own figures, August 2026

What the software manages today — and what it does not.

We run 33 clients on it ourselves; in August that was 1,804 expenses. Every single one falls into one of three groups:

1,804 expenses in August

So for almost half of them the receipt is still missing. Behind nearly every one is a client who has not sent it — which is exactly why the software asks for it by itself. This is our real state, not a target: anyone promising you 90 per cent for the first month has measured something else.

Limits

What the software cannot do.

Price

What one client costs a tax firm per month.

This is how a tax firm counts: not the software alone, but staff and software together. For companies we set the price in the conversation, based on your volume.

By hand, no system comparison
Today, 57.7 % automated measured
Target, 90 % automated target path, not measured
Your staff The software
Calculated for a firm with 400 clients and two full-time staff at €2,500 fully loaded each, 320 hours a month between them.

On top of that comes setup as an individual project. That is not a surcharge but the work that decides whether the software works for you: we look at your folders, set everything up around your structure and stay with you through the first month. We discuss the price in the conversation.

Currently sold out – feel free to join the waitlist.

Case study

Everything measured, in one presentation.

How the software works with our own clients, what it costs and where it is weak — measured on 23 October 2026. The short version:

Strengths

  • 95.6% of matches in October are set by the software itself
  • 0.40 ct AI per booking — measured, not estimated
  • clients separated in the database, learning per client

Weaknesses

  • no DATEV export yet
  • a third of expenses wait for the client’s receipt
  • small team: founder and AI

Opportunities

  • 4 in 10 German firms strongly affected by the skills shortage
  • the market is being funded: Pennylane, €175m

Threats

  • DATEV sets the standard
  • dependence on AI and cloud providers
Case study, measured 23 Oct 2026 · DATEV Seismograf, 6th wave, June 2026 · startbase.de, 20 Jan 2026

Presentation in English and German · opens on claude.ai

Who we are looking for

Larger companies — and tax firms — with foresight.

Delivering a project — gladly. But we are looking for partners who want to build with us and stay competitive:

Large volumesMany transactions or many clients — the harder the cases, the better.

Build with usWhat we solve in your records becomes a rule for everyone. Your data stays separate.

Real dataMeasured on your own records, not on a demo.

Be a partnerFrom bookkeeping to financial steering — for your company or for your clients.

What happens next

  1. A conversation about your goals
  2. One real month of your records, measured
  3. A project, set up individually
  4. A partnership, if it suits both sides
Apply now

Karl Pusch, who built the software, gets in touch personally.

Apply as a project partner

Currently sold out — feel free to join the waitlist. Your name and email are enough — Karl Pusch will get in touch as soon as there is room again.

Sold out

Karl PuschKarl Pusch, founder of BlueOcean Finance

All strategy calls are taken.

Thank you all. Everyone on the waitlist will be contacted in the next few days. For AI consulting please write to me directly by email at karl.pusch@blueoceanfinance.ai.

See the live demo →

To the waitlist page →