When is it worth outsourcing your accounting?
New Entrepreneur's Guide series Juha Saari 16 December, 2025 When is it worth outsourcing your accounting? Accounting is a legal obligation for every company and association, and there is no way to avoid it. Many new entrepreneurs wonder in the early stages of their business whether it is worth doing the bookkeeping themselves or outsourcing it to a professional. Outsourcing accounting is not just a solution for large companies - on the contrary, it is often particularly useful for [...]
Case: How electronic financial management saved me 5 hours a month - customer story
Current Issues and Expertise Series Juha Saari 9 December, 2025 Case: How electronic financial management saved me 5 hours a month - customer story When I run a small service business, every hour counts. Especially an hour that I could use for invoicing, sales or even just plain free time. In the past, I felt that financial management ate up an inordinate amount of my working week: looking for receipts, approving [...]
How do changes in EU and tax legislation affect small businesses? - An expert's view
Current Issues and Expertise Series Juha Saari 2 December, 2025 How do changes in EU and tax legislation affect small business? - Expert's view Changes in EU and tax legislation affect all businesses, but especially small businesses, for whom administrative obligations can mean significant additional work. The reforms coming into force in 2026, both at EU level and in Finland, will affect reporting, taxes and financial management requirements. In this expert insight, we reveal which changes [...]
Where should a start-up entrepreneur look for funding? - Tips and options
New entrepreneur's guide series Juha Saari 25 November, 2025 Where should a new entrepreneur look for funding? - Tips and options Starting a business often requires more capital than many people initially think. Even if the business idea is strong and the plan is clear, you still need money for things like equipment, marketing, working capital and possible initial purchases. Fortunately, there are many financing options available for a start-up entrepreneur - as long as [...]
How often should the accounts be monitored? - How to avoid surprises
Practical tips for entrepreneurs in financial management series Juha Saari 18 November, 2025 How often should you monitor your accounts? - How to avoid surprises Accounting is not just a legal obligation - it is an important tool for financial forecasting and decision making. Many entrepreneurs only keep track of their accounts when a tax return or financial statement is approaching. Then surprises are almost inevitable: cash flow fluctuates, taxes come [...]
What will change in financial management in 2026? Government tax reforms from an entrepreneur's perspective
Current Issues and Expertise Series Juha Saari 26 September, 2025 What will change in financial management in 2026? Government tax reforms from an entrepreneur's perspective 2026 will bring several significant tax changes that will directly affect both individuals and businesses in terms of taxation and financial management. Many of the reforms aim to broaden the tax base - i.e. tax cuts will be financed by reducing deductions. Here is a brief overview of what the Finnish government has decided [...]
Do you know the profitability of your business? - Small business ratios made easy
Practical tips for entrepreneurs in financial management series Juha Saari 26 September, 2025 Do you know the profitability of your business? - Profitability tells you whether your business is making a profit or a loss. Many small business owners only keep track of their bank account balance, but the real picture of their company's situation only emerges when they look at the key figures in their accounts. In this article, we explain which ratios small business owners should monitor and how to use them [...]
First annual accounts for a business - what's in them and how to prepare?
The New Entrepreneur's Guide series Juha Saari 26 September, 2025 A company's first financial statement - what does it contain and how should you prepare for it? The first accounts are an important step for every entrepreneur. It summarises the financial situation of the company at the end of the financial year and serves both as a formal report and as a tool for planning for the future. However, for a new entrepreneur, preparing accounts can seem like a complicated process. In this article [...]
How to keep your company's receipts and vouchers in order easily?
Practical tips for entrepreneurs in financial management -series Juha Saari 26 September, 2025 How to keep your company's receipts and vouchers in order easily? Receipts and vouchers may seem like a small thing in the hustle and bustle of everyday life, but they play a big role in your company's accounting and taxation. If receipts get lost or are unclear, it can lead to unnecessary paperwork - and in the worst case, extra costs. Fortunately, receipts [...]
Business insurance - what do you need and what can you possibly leave out?
New Entrepreneur Guide Series Juha Saari 9 September, 2025 Entrepreneurial insurance - what do you need and what can you possibly leave out? Introduction Insurance is an important safety net for entrepreneurs, but you may not need everything right from the start. Many people wonder which insurances are mandatory and which are only recommended. Compulsory insurance 1. YEL insurance (Entrepreneur's pension insurance)- Statutory if your income exceeds the limit. [...]