What Bilio is for
The admin one person has: send the invoice, chase it, file the receipt, know what you owe the tax office this quarter, and hand a clean export to your accountant. Not payroll, not inventory, not a CRM.
About
Built by a freelancer who invoices in three countries.
I am Stefka Ivanova. I run a marketing studio from Amsterdam as a zzp’er, with clients in the Netherlands, Finland and France. Half my invoices carry 21% btw and half carry a reverse-charge line, and I file a btw-aangifte every quarter like a million other Dutch freelancers.
In 2025 I looked for a tool that did that without capping the free plan at three invoices, without charging €29 a month for a bank link, and without pretending my Finnish client was a problem. I did not find one, so I built it, and I have run my studio on Bilio since July 2025. Every invoice I send goes through the same code you use.
- Clients invoiced through Bilio
- 13 countries, across Europe, the UK and the US
- In use since
- July 2025
- Your data stored
- In the EU, on Google Cloud
- Card needed to start
- None
“Bilio made sending proposals and invoices feel effortless. Clients always comment on how professional everything looks. Payments come in faster now, and the follow-ups basically run themselves.”
Stefka Ivanovafounder and first user
How it is built
One founder, part-time, with AI doing the typing and a code review before anything touches your money. Bilio runs in the EU: your data and files are stored on Google Cloud in Belgium and the Netherlands, the server functions run in Belgium, and emails go out through an EU email service. Per-company access rules, encrypted in transit and at rest.
Where it is going
Invoicing that works across borders: VAT numbers checked, reverse charge written for you, Peppol for Belgium and Germany from February, and an assistant you can ask to draft the invoice. Netherlands first, then Belgium and Bulgaria, then Germany.
Get in touch
[email protected]. I read every message. If you are a boekhouder with zzp clients, or run a community of freelancers, I would like to talk.
Get started
Your first invoice takes four minutes.
Create an account with your email and follow the five-step setup: business details, VAT and KvK, IBAN, first client, first invoice. No card, no setup fee, no downloads. Cancel any time and take your data with you.