Ledger + agentsAI native finance for startups
One live ledger. Agents that run your finance.
Fennec connects your bank, Stripe, cards and invoices into one ledger that is always up to date. AI agents keep your books, forecast your cash and draft your investor updates. You approve. Our finance experts check.
Your tools
Agents at work running
You get
Connects to the tools you already use
For companies in
Coming soon
Why a ledger
Keep your tools. Lose the spreadsheet.
Your finance data is spread over ten tools, and the official books arrive weeks after month end. Fennec puts it all in one ledger, so you, your team and your AI agents work from the same numbers.
Today
Every question means exporting, matching and rebuilding a spreadsheet.
With Fennec
Your tools stay as they are. Every number links back to the booking and document behind it.
Integrations
Works with your tools in Germany and Austria.
Fennec reads from your bank, payment, card and payroll tools, and hands clean books to your tax adviser in DATEV, BMD or RZL.
Your tax adviser
At month end, Fennec hands the bookings and documents to your tax adviser in the format of their software: SKR03 or SKR04 in Germany, the Austrian standard chart of accounts (EKR) in Austria.
- DATEVDE
- BMDAT
- RZLAT
Banks
Read only access through open banking, or a file export from any bank.
- SparkasseDE
- VolksbankDE
- Deutsche BankDE
- CommerzbankDE
- Erste Bank and SparkassenAT
- RaiffeisenAT
- Bank AustriaAT
- BAWAGAT
- Qonto
- N26
- Revolut Business
- Wise
- Any bank: CSV file
Payments
Charges, refunds, fees and payouts, matched to the money that reaches your bank.
- Stripe
- PayPal
- Mollie
- Paddle
Cards and spend
Card payments with their receipts, and the receipts that are still missing.
- Moss
- Pliant
- Pleo
- Spendesk
Invoices and receipts
PDFs, phone photos and electronic invoices, read and matched to their payments.
- Email inbox
- Upload
- Google Drive
- XRechnungDE
- ZUGFeRDDE
- ebInterfaceAT
Payroll
Salaries and employer contributions per month, from your payroll provider or your tax adviser.
- Personio
- DATEV payrollDE
- BMD payrollAT
- RZL payrollAT
AI and your team
Ask your ledger questions, and get the weekly summary where your team works.
- Claude
- ChatGPT
- Slack
DE: Germany · AT: Austria · no tag: both. Missing a tool you use? Tell us in the form.
The platform
Ledger. Agents. Experts.
One set of books for your company, agents that do the recurring work inside the rules you set, and finance experts who check the result.
01 · Fennec ledger
Knows everything.
All your finance data in one place, updated every day and always ready for a question.
- Bank, Stripe, cards, invoices and receipts
- Booked on accruals, with your cost centres
- Kept in line with your tax adviser's DATEV or BMD
02 · Fennec agents
Does the work.
Agents handle the recurring finance tasks and ask you only when they need a decision.
- Match, categorise and chase receipts
- Forecast cash and model scenarios
- Draft reports and investor updates
03 · Finance experts
Checks the result.
A finance expert reviews every result before you rely on it, and is there when you need advice.
- Sets up your ledger with you
- Reviews the agents' work every month
- Walks you through your report on a call
How it works
Agents do the work. You approve.
That is the pattern across Fennec. Take one example: your monthly report.
The month ends.
Your ledger is already up to date, because it syncs with your tools every day.
Agents close the month.
They match the last transactions, chase missing receipts, book accruals and check the totals against your tax adviser's figures.
An expert reviews.
Anything unusual is explained or fixed before it reaches you.
You get your report.
Profit and loss, cash, burn and runway in plain language, with what to do next. You approve, and the investor update is ready to send.
Fennec agents
One agent for each finance job.
Twelve agents share one ledger and one set of rules. Each does one job, logs every step, and asks a person before anything important happens.
- 01 · Books
Document reader
Reads every invoice and receipt from your inbox, uploads and card tool: supplier, dates, amounts and VAT. Code checks that the totals add up.
- 02 · Books
Matching agent
Matches every bank, card and Stripe line to its invoice or receipt, by amount, date, name and invoice number.
- 03 · Books
Receipt agent
Finds payments without a receipt and asks the person who paid, in Slack or by email, until the receipt arrives.
- 04 · Books
Bookkeeping agent
Books each payment to a category, cost centre and VAT code, with your rules and the country rules. Suggests new rules from patterns.
- 05 · Books
Month end agent
Closes the month: spreads annual costs, books accruals, checks the totals against your tax adviser's figures and prepares the DATEV, BMD or RZL file.
- 06 · Books
Tax agent
Tracks VAT, wage tax and social security deadlines with the amount due, and checks the VAT rate on every document.
- 07 · Cash
Cash agent
Updates the 13 week cash forecast and your runway, and works out "what if" scenarios before you hire or raise.
- 08 · Cash
Collections agent
Watches open customer invoices and drafts friendly payment reminders for late ones.
- 09 · Cash
Spend agent
Flags unusual costs, price increases, double payments and subscriptions nobody uses.
- 10 · Reports
Reporting agent
Writes the weekly summary and the monthly report in plain language, and drafts your investor update.
- 11 · Reports
Analyst
Answers your questions in Claude or ChatGPT from the live ledger, with totals calculated in code and the bookings behind them.
- 12 · Control
Audit agent
Checks the other agents' work against your rules. It can look at everything and change nothing.
Every agent works inside the rules you set, and a finance expert reviews the result. Need an agent for a job that is not on this list? Tell us in the form.
What you get
The output of a finance team, without the hire.
Know where you stand
13 months runway, live
- Cash, burn and runway, updated daily
- 13 week cash forecast, updated weekly
- "What if" scenarios before you hire or raise
Investor ready
Monthly report and investor update
- Monthly report in plain language
- Investor update drafts to edit and send
- Key figures and clean books for due diligence
Books your tax adviser trusts
0 receipts missing
- Every transaction matched to its invoice
- A DATEV, BMD or RZL file with VAT codes
- Every tax deadline tracked, with amounts
Our guarantee
You pay when your books are closed. Not before.
We are sure Fennec works for your company, so we carry the risk of the start.
01
Setup on us
We connect your tools, set up your ledger and bring in your past months. No setup fee.
02
Pay after your first close
Your first payment is due only when we have closed your first month of books with you. We aim to do that within your first month.
03
Then one monthly fee
From your first close on, a monthly subscription for the ledger, the agents and the expert review.
Claude and ChatGPT
Ask your ledger anything.
Connect Fennec to Claude or ChatGPT and ask about cash, costs or customers. Answers come from your live ledger, with totals calculated in code and the bookings behind every number.
Runway goes from 13 to 11 months. Cash stays above €1M until August 2027.
| Cash today | €1,842,300 |
| Monthly burn now | €141,900 |
| Two engineers, fully loaded | +€26,000 |
| Monthly burn from January | €167,900 |
Source: Fennec ledger · Qonto, Stripe, payroll · updated 08:10
What changes
Less time on finance. Better answers.
Control and security
Nothing changes without your approval.
Agents work inside the rules you set: what runs on its own, what needs review and who approves. Every action is logged.
Access
Read only
We connect with the same access your tax adviser gets.
Money
You release payments
Fennec prepares payment files. Only you release them, in your own bank.
Data
Stored in the EU
Handled under GDPR and never used to train AI models.
Audit
Every step logged
Each number links to its source, and each change to the agent or person who made it.
Your tax adviser
Your tax adviser stays. With better books.
Fennec does not replace your tax adviser. It prepares your books for them every month, so they work from complete, matched records instead of a box of receipts.
You
Live numbers
Cash, burn, runway and reports whenever you need them, not weeks after month end.
Your tax adviser
Clean records
Every transaction matched to its document, with a DATEV, BMD or RZL file at month end. They keep the official books and file your taxes.
No tax adviser yet?
We introduce one
We work with partner tax firms for the work that needs a licence. You sign with them directly.
Tax advisers and accountants: see how Fennec works with your clients.
FAQ
Questions founders ask first.
Does Fennec replace my tax adviser?
No. Your tax adviser keeps the official books in DATEV, BMD or RZL and files your tax returns and annual accounts. Fennec prepares the books for them every month and does what they do not do: reports, forecasts and investor updates. Fennec is not a tax adviser.
We do not have a tax adviser. Can you help?
Yes. We work with a partner tax firm for the work that needs a licence. You sign with them directly.
Which countries do you support?
Companies in Germany and Austria today. The Netherlands, Belgium and the United Kingdom are next. If you have companies in several countries, tell us in the form; we will tell you what works today.
Do I have to change my tools?
No. Fennec connects to the bank, Stripe, card tool and invoice inbox you already use; see Integrations. If you use something we do not connect to yet, tell us on the call.
How much of my time does it take?
Setup is one call and giving us access to your tools. After that, a few minutes a week to answer questions and approve.
How long until my first report?
A few weeks, depending on the state of your books and how many tools you use.
What happens when we hire a finance person?
They start with clean books and a complete ledger, and work in Fennec with the agents.
Who is behind Fennec?
Fennec is built by Minimum Code, a software company in Vienna that builds web apps and AI agents for European companies.
Get Fennec.
In a 30 minute demo we look at your current setup and show you the ledger and agents on real numbers.
- Tell us about your companySend the form. We reply by email.
- 30 minute demoYour tools, your books and what you need from finance.
- Your ledger goes liveIf it fits, we connect your tools and close your first month with you. You pay from then on.