"I just handle my bookkeeping once a month and get everything sorted."
Tom Hurd - Business Designer @ Vision & Haste
Not every business needs an accountant. Some just need the right tool.
For Tom Hurd, that realization came at tax return time. Tom runs his own sole trader (toiminimi) business and had been managing his finances independently. He had the knowledge to do it, with years of running his own limited company (Oy) having given him a solid grasp of how accounting works, how double-entry bookkeeping is supposed to look, and what he actually needed to stay on top of things. What he didn't have was a place to do it properly.
Every solution he looked at felt like too much. Big systems built for bigger businesses, with pricing and complexity to match. He didn't need payroll for fifty people or multi-currency reporting. He needed somewhere to handle his bookkeeping without paying for a platform he'd use five percent of.
The find
Tom handles his banking through Holvi, one of NoCFO's banking partners. Browsing Holvi's news one day, he came across NoCFO. A bookkeeping tool built for small businesses and sole traders, with a direct integration to his existing bank account. It clicked immediately.
Getting started
Tom set things up himself. There were a few tricky parts along the way, but nothing that couldn't be worked through.
"The AI chat and some careful double-checking meant I was able to get everything working and my accounting sorted."
NoCFO's AI handles double-entry bookkeeping automatically and is there to answer questions when you get stuck.
Day-to-day currently
The change Tom notices most isn't a feature. It's the absence of a nagging feeling.
Accounting used to sit in the back of his mind as an unresolved task. Something to deal with eventually. Now it's a fixed part of his routine: once a month, he logs in, works through his transactions, and closes his laptop knowing everything is sorted. The Holvi integration means his banking data is already there when he opens NoCFO, so he's not spending time on data entry before he's even started.
NoCFO connects to over 2,500 European bank accounts, so your transactions sync automatically regardless of where you bank.
Tom's advice for anyone considering NoCFO
NoCFO's AI takes care of the bookkeeping, so you don't need an accounting background to stay on top of your finances. That said, Tom notes that limited company owners may still want a professional involved for certain things, and NoCFO's partner accountants are there if you need one.
"It's really useful, especially if you're somewhat knowledgeable on accounting, you can handle most if not all of it yourself. Of course, if you're running a limited company you'll still need an accountant for some things. If you're less experienced, the AI chat is genuinely helpful, but you might be wise to have an accountant check over everything. Nothing worse than having to redo your accounting!"
Need a professional to check things over? NoCFO works with a network of accounting firms who know the platform inside out. (Find a partner accountant →)
Ready to put your financial management on autopilot? NoCFO is free to get started. No commitment needed. Try NoCFO for free →