For businesses and accountants
The ERP and accounting platform with AI automation that makes running a business easier
Automated document entry and payment matching. Real-time data and analytics. An AI business assistant and an email agent.
- Free plan, no card needed
- 2 months free on annual billing
- No long-term commitment
One integrated system for every core business process
Purchasing, sales, stock, finance, accounting and payroll work together in one system on one shared database. Enter information once and Cove syncs it everywhere it's needed.
Sales and purchases without retyping
Create an invoice in minutes and email it as a PDF — Cove tracks the payment and, once you switch reminders on, nudges the client when it falls due. Received invoices are read by AI and lined up for your approval.
- Proformas, advance invoices, credit and debit notes
- Recurring invoices on a schedule
- 160+ currencies at the document-date rate
One register for every counterparty
The company you buy from and the company you sell to live in the same record. Enter a company or VAT number and the details fill themselves in — and flow into every invoice without retyping.
- VAT number validation against VIES
- A sales pipeline from lead to client
- Price lists and full history for every client
Stock that moves with the paperwork
A purchase books stock in, a sale books it out, and every movement lands in a register that carries both quantity and value. Cove warns you when a product drops below its minimum.
- Multiple warehouses and transfers between them
- Stocktakes and adjustments
- Cost of goods by your chosen method
Payroll all the way to the НАП and НОИ files
Employee files, payroll, leave and sick notes in one place. Cove prepares the payslips, the Д1 and Д6 declarations and the НОИ certificates — you just sign and submit.
- Payslips and the Д1 and Д6 declarations
- Sick notes and НОИ certificates
- Civil contracts and 20 HR templates
Accounting that writes its own entries
Full double-entry bookkeeping under Bulgarian accounting standards: every document creates a balanced entry, and the trial balance, general ledger and year-end close all come from the same data.
- Cash, bank and fixed assets
- Annual statements, SAF-T and the corporate tax return
- An editable chart of accounts
Your VAT return, ready for НАП
Cove builds the VAT return, the purchase and sales journals and the VIES declaration as files НАП accepts directly — after about 30 automatic checks.
- Article 117 protocols, VIES and OSS
- VAT registration threshold tracking
- A reminder before every deadline
Your whole business, live
A live dashboard of revenue, expenses, profit and unpaid invoices, receivables and payables by due date, and a cash-flow forecast for the next 13 weeks.
- Receivables and payables by due date
- A 13-week cash-flow forecast
- Share your metrics with a link
An easy start. Whether you're just starting out or switching to Cove from another system.
Getting started takes a sign-up and a plan — nothing more. Our team is with you at every step, from signing up and setting up the platform to moving your data across and going live.
Bulk import with ready-made templates brings over your clients, products, price lists, sales and expenses, and your chart of accounts and opening balances import directly. After launch, our team stays on hand for ongoing support.
- Step 1
Choose a plan
Sign up and pick the plan that fits your business.
- Step 2
We set Cove up
We tailor the system to you and, if needed, help move your data across.
- Step 3
You're up and running
Your workspace is ready, and our team stays on hand.
Access from anywhere, at any time. Roles and permissions that fit. Data that stays protected.
Cove runs entirely online, with no complex installs, extra infrastructure or maintenance costs. All you need is a device with an internet connection. Set up roles and access to suit your business, and invite your colleagues and your accountant to work side by side on live, up-to-date data.
Your data is stored encrypted with AES-256 and backed up every day. The platform is built with GDPR requirements in mind and supports two-factor authentication to further protect accounts and access to business information.
Roles and permissions
Ready-made roles for every team member, and custom permissions on the advanced plans.
Two-factor authentication
Codes from an authenticator app or by email, plus passkey sign-in.
Team and accountant
Invite your colleagues and your accountant — everyone works on the same data.
Fully online
Work from the browser on a computer, tablet or phone — nothing to install, no servers to run.
AES-256 encryption
Data is stored encrypted and only ever travels over a secure (TLS) connection.
Daily backups
The database is backed up automatically every day.
Business management and accounting on one platform. On their own or together.
Cove is a platform for running a business and for professional accounting work alike. Businesses manage their day-to-day operations, and accountants handle the books, payroll and their clients. When they work together in Cove, they share documents and live data in one place, in real time.
- FreelancersInvoicing, plus keeping track of income, expenses, clients, taxes and social security.Learn more: Freelancers
- Small and mid-sized businessesRunning sales, purchasing, clients, suppliers, stock, staff and the books.Learn more: Small and mid-sized businesses
- Accountants and accounting firmsBookkeeping, payroll and many clients, all on one platform.Learn more: Accountants and accounting firms
One platform. Every kind of business and tax profile.
From retail and online sales to cross-border trade and special tax regimes, Cove gives you the tools to run your business and keep its books.
Selling goods
- Sales: Wholesale, Retail
- Channel: In a shop, Online
- Market: At home, Abroad
- Goods: New, Second-hand
Providing services
- Delivery: On site, Online
- Market: At home, Abroad
- Billing: Per project, Subscription
Reporting that fits your tax profile
- Taxed by legal form and activity: Corporate tax, Income tax, Patent tax
- VAT registered: Yes, No
Accounting services
Need professional accounting services too?
Looking for more than software? Our team of accounting specialists can take over your company's accounting from start to finish. Get in touch to find out more.
Flexible licensing — pick the plan that fits your needs
Start with the plan that fits today, and upgrade when your business needs more.
2 months free on annual billing
Invoice Smart
- Unlimited users
- Up to 150 issued invoices a month
- AI document recognition (OCR)
- 1 connected bank account
- Multi-currency
- Payment tracking
- Stock
Business Lite
- 1 user
- Up to 150 issued invoices a month
- Up to 150 received invoices a month
- AI document recognition (OCR)
- 1 connected bank account
- Multi-currency
- Payment tracking
- Stock
- Income and expense tracking
- Taxes and self-insurance for freelancers and sole traders
Business Essential
- Everything in Business Lite plus:
- Up to 3 users
- Up to 300 issued invoices a month
- Up to 300 received invoices a month
- 1 connected bank account
- VAT returns and journals
- VIES declarations
- Self-charge protocols (Art. 117 VAT Act)
- Intrastat declarations
- OSS invoicing
- Stock with stocktakes
- Cash desk
- Payroll module
- 10 employees included (up to 50 per company)
Business Pro
- Everything in Business Essential plus:
- Up to 15 users
- Up to 750 issued invoices a month
- Up to 750 received invoices a month
- Up to 3 bank accounts
- Fixed assets
- Roles and permissions
- NSI statistical reports
- CRM
- Restore your data to a specific past date (on request)
- Additional bank accounts as an add-on (on request)
- 25 employees included (up to 250 per company)
Cove Payroll
- Unlimited users
- Payroll module
- Payroll sheets and payslips
- Declarations form 1 and form 6
- Employment contracts and Art. 62 Labour Code notices
- Leave and sick leave
- Civil contracts
- 10 employees included (up to 250 per company)
Free forever plan
FREE: €0No card- 5 issued invoices a month
- 3 clients
- 3 AI extractions / month
- 5 products
- 1 GB storage
Are you an accountant?
Compare every feature
Prices exclude VAT.
Frequently asked questions
Everything you need to know about Cove.
Can't find what you're looking for? Contact our support team
Getting started
Signing up takes about two minutes: choose your type of business, enter your details and you're in — company details fill themselves in from your company or VAT number. If you're switching from another system, our team will help you with setup and moving your data across.
Yes. Cove has a free plan with no time limit and no credit card. Start on it and upgrade whenever you're ready — nothing gets deleted.
Yes. Upgrade or change your plan at any time from the billing page, and cancel whenever you like — there's no long-term commitment.
Absolutely. When you sign up, choose individual / freelancer or sole trader, and Cove matches your taxes and reporting to the kind of business you run — with invoicing, expenses, taxes and documents in one place.
Invoicing and finances
Invoices, proformas and advance invoices, credit and debit notes, plus recurring invoices on a schedule. A proforma becomes an invoice in one click, and once it's paid Cove can issue the final invoice automatically.
Yes. The editor shows your invoice as a live A4 page — click any field to edit it in place. Change the accent color, font, text size and table style, rename any label, and add your logo, bank details and signature lines.
Add expenses by hand, upload a photo or PDF, or forward them to your organization's Cove email address — AI reads the supplier, amounts and VAT, and you just confirm. More than 120 categories keep them organized, and foreign-currency amounts are converted at the rate on the document date.
Yes. Revenue links to clients, products and invoices. Open a client's profile to see total revenue, a trend chart and the full transaction history — and the dashboard shows your top clients and products.
Taxes and compliance
Cove covers 34 jurisdictions — all 27 EU member states plus the UK, the US, Canada, Australia, New Zealand, Switzerland and Norway. For each, it knows the VAT rates, registration thresholds, filing frequencies and deadlines.
Cove works out the right VAT treatment from your country, your client's country and whether the sale is B2B or B2C: domestic VAT, EU reverse charge, consumer sales at the destination country's rate through OSS, and zero-rated exports outside the EU. Every rate comes with an explanation of why it applies.
Yes. Cove reminds you 14, 7 and 3 days before each deadline and again on the day itself — for VAT returns, income tax and advance payments. Bills you owe run on their own track: a reminder 7 and 3 days before the due date, on the day itself, 3 days after it and weekly from then on.