Title: About Bilio: built by a freelancer in Amsterdam
URL: https://getbilio.com/about
Description: Bilio is built and used by a freelancer who invoices clients in three countries. One founder, data stored in the EU, everything in one place.
Last updated: 2026-10-09

About

# Built by a freelancer who invoices in three countries.

![Stefka Ivanova, founder of Bilio](https://getbilio.com/images/stefka-ivanova.webp)

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.”

![Photo of Stefka Ivanova](https://getbilio.com/images/stefka-ivanova.webp) **Stefka Ivanova**founder and first user

## 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.

## 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

[hi@getbilio.com](mailto:hi@getbilio.com). 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.

[Start free](https://app.getbilio.com/register) [Talk to us](https://getbilio.com/contact)