As a certified accountant who has processed over 500 annual reports for Estonian OÜ companies, I'm often asked: "How much do accounting services really cost?" The answer isn't simple because pricing varies dramatically based on your business volume, complexity, and what services are actually included in the monthly fee.
In this guide, I'll break down exactly what you should expect to pay for professional accounting services in Estonia, what's included at each price point, and how to avoid common pricing traps that catch many first-time OÜ owners.
This guide explains accounting services for OÜ in Estonia step by step and highlights the practical decisions that reduce risk in 2026.
In my 15+ years of practice, I've seen accounting fees for OÜ companies range from €40 to €500+ per month. The cheapest option is rarely the best value. What matters most is whether the service matches your actual business needs and includes everything you require without hidden add-on fees.
What's Included in OÜ Accounting Services
Professional accounting services for an Estonian OÜ should cover far more than just "doing your books." Here's what a comprehensive package includes:
Core Accounting Functions
- Monthly bookkeeping: Recording all business transactions, categorizing expenses, reconciling bank accounts
- VAT declarations: Preparing and submitting monthly or quarterly VAT returns to Emta
- Annual reports: Complete financial statements including balance sheet, income statement, and cash flow
- Financial oversight: Ensuring compliance with Estonian accounting standards and tax regulations
Mandatory Business Services
Every OÜ in Estonia requires certain services that are often bundled with accounting:
- Contact person service: A licensed representative listed in the Business Register (required by law)
- Legal address: Official registered address for your company (cannot be a personal residence)
- Document storage: Secure archiving of financial documents for the legally required 7 years
Many cheap accounting services charge separately for contact person (€20-40/month) and legal address (€15-30/month). At Accres, we include both in all packages because these are fundamental business requirements, not optional extras. Always check what's truly included before comparing prices.
Modern Tech-Enabled Features
In 2026, services should offer digital-first capabilities:Estonian accounting
- Invoice generation tools: Create and send invoices directly from your accounting platform
- Multicurrency support: Handle transactions in EUR, USD, GBP, and other currencies
- Cryptocurrency support: Proper accounting for crypto payments, token sales, and exchange transactions
- API integrations: Automatic bank feed connections with LHV, Wise, Revolut, and other platforms
- OSS handling: One Stop Shop VAT for e-commerce businesses selling across the EU
Pricing Packages Breakdown
Based on my experience managing Accres and analyzing competitor offerings, here's what you can expect at different price points in the Estonian market:
Entry Level: €59-79/month
Best for: Startups, freelancers, and small OÜ with low transaction volume
Typical coverage:
- Up to 15-30 invoices per month (both sales and purchases)
- 2-3 bank accounts
- No employees or up to 1 employee
- Basic VAT support
- Annual report included
- Contact person and legal address included
At Accres, our Nola 1.0 package (€59/month) serves this segment. It's perfect for e-residents running consulting businesses, small SaaS projects, or service-based startups with predictable, low-volume invoicing.
Mid-Tier: €79-120/month
Best for: Growing businesses with regular sales and a small team
Typical coverage:
- Unlimited sales invoices, 30-50 purchase invoices
- 4-6 bank accounts
- Up to 3 employees
- Full VAT + OSS for e-commerce
- All entry-level features included
Our Nola 2.0 package (€79/month) is the most popular choice at Accres. About 60% of our clients use this tier because it provides room to grow without overpaying for unused capacity.
I've processed accounting for over 200 e-commerce companies. If you're doing cross-border EU sales, OSS handling alone can save you 10+ hours monthly in VAT compliance work. The mid-tier package pays for itself in time savings.
Professional: €120-180/month
Best for: Established companies with higher volumes and complexity
Typical coverage:
- Unlimited sales and purchases (60-100 purchase invoices)
- 8+ bank accounts
- Up to 5 employees with full payroll processing
- Complex VAT scenarios (intra-EU services, reverse charge, etc.)
- Priority support and dedicated accountant
At Accres, Nola 3.0 (€149/month) serves this segment. Companies at this level typically have €200K+ in annual revenue and need proactive tax planning, not just bookkeeping.
Enterprise: €200+/month
Best for: Large OÜ with complex operations, many employees, or specific industry requirements
At this level, pricing is typically custom-quoted based on:
- Number of transactions (100+ invoices monthly)
- Employee count (6+ employees)
- Industry complexity (FinTech, crypto exchanges, investment funds)
- International operations (multiple tax jurisdictions)
How to Choose the Right Package
After helping over 300 companies select their accounting package, I use this framework:
Step 1: Count Your Monthly Transactions
Look at your last 3 months of business activity:
- How many sales invoices do you issue per month?
- How many purchase invoices do you receive?
- How many bank accounts are you actively using?
Choose a package with at least 30% buffer above your current volume. Growth happens fast, and you don't want to hit limits mid-month.
Step 2: Assess Your Growth Trajectory
If you're actively growing (adding customers, launching products, hiring), skip the cheapest package. You'll outgrow it in 2-3 months and face upgrade fees or service disruptions.
I typically recommend new startups start with mid-tier packages even if they qualify for entry-level pricing. The extra €20/month gives you breathing room to focus on business, not accounting logistics.
Step 3: Check What's Actually Included
Before committing, verify these items are included, not add-ons:
- Contact person service
- Legal address
- Annual report preparation and filing
- VAT declaration filing
- Access to accounting software/dashboard
I've consulted with companies paying €45/month for "accounting" only to discover they were charged €30/month extra for annual reports, €25 for contact person, and €20 for their legal address. Their actual cost was €120/month, not €45. Always get the total monthly cost in writing.
Step 4: Consider Industry-Specific Needs
Certain business types require specialized accounting capabilities:
- E-commerce: You need OSS handling, multicurrency support, and high invoice capacity
- Crypto/Blockchain: Cryptocurrency transaction support is essential, not optional
- SaaS/Software: Subscription revenue recognition and API integrations with Stripe, Paddle, etc.
- Consulting: Basic packages work well unless you have employees or complex expense reimbursements
Hidden Costs to Watch Out For
In my 15 years as an accountant, I've seen these surprise fees catch business owners off guard:
Per-Transaction Overages
Many services charge €2-5 per invoice if you exceed your package limit. If you have 25 invoices on a 15-invoice package, that's €20-50 in overage fees monthly, making your "€49 package" actually cost €69-99.
Solution: Choose a package with buffer room or find providers (like Accres) who offer unlimited sales invoices at mid-tier pricing.
Separate Annual Report Fees
Some accountants charge €200-500 separately for preparation. This should be included in your monthly fee.annual report
Setup and Onboarding Fees
While some complexity in switching accountants justifies a one-time setup fee (€100-200), be wary of services charging €500+ for "onboarding." This is often unnecessary padding.
Employee Payroll Add-Ons
If your package includes "up to 3 employees," verify what happens when you hire employee #4. Some firms charge €20-40 per additional employee monthly. Others offer free upgrades to the next package tier.
Bank Account Connection Fees
A few services charge per-bank-account fees (€5-10/month per account). With modern API integrations, this shouldn't be a separate charge.
At Accres, we built our own API integration platform specifically to eliminate per-account fees. Our clients often use Wise for international payments, LHV for EUR operations, and Revolut for expenses—all connected at no extra charge within package limits.
Making the Right Choice for Your OÜ
Choosing accounting services for your Estonian OÜ comes down to matching your business volume, growth trajectory, and industry needs with a package that includes everything you require without hidden add-ons.
For most e-residents and startups, packages in the €59-149/month range provide professional, compliant accounting with room to grow. The key is ensuring your package includes contact person service, legal address, annual reports, and modern features like multicurrency and API integrations as standard—not as expensive extras.
If you're unsure which package fits your business, I'm happy to provide a free consultation. After reviewing your transaction volume and business model, I can recommend the optimal setup for your situation.