Heft
An AI bookkeeping agent that fetches receipts, matches them to bank payments and prepares the month for the tax adviser
Quick Overview
| Company | Josef Moucachen, trading as Synthropy (sole trader) |
|---|---|
| Category | Accounting Software |
| Headquarters | Amsterdam, Netherlands |
| EU Presence | EU (Netherlands) |
| Data Location | EU: data stored with Google Cloud in Frankfurt (europe-west3); AI models run in Google's Vertex AI in the EU |
| Open Source | No |
| Pricing | Receipt agent €49 per month for up to 150 payments a month; Receipt agent Plus €99 per month for up to 300 payments a month; more on request. Billed monthly, excl. VAT, cancel at the end of any month. Prices as of November 2026. |
| Free Option | No free trial stated |
| Replaces | QuickBooks, Xero |
Detailed Review
Heft is an AI agent more than a ledger: it reads the business bank account and the inbox, looks for the invoice behind each payment, matches the two and asks the owner only when it cannot decide.
For each match it shows why the receipt belongs to the payment, and a booked month can be undone until it is locked. Bank access is read-only, so it cannot move money, and a supplier who suddenly gets paid to a different IBAN is held back for a question.
The seller is a person, not a company: Josef Moucachen, trading as Synthropy from Amsterdam under KvK number 94099660, and the privacy policy is dated 9 November 2026.
Data sits with Google Cloud in Frankfurt and the AI runs on Claude and Gemini models inside Google's EU Vertex AI, which the vendor says it may not train on. The policy is candid about the limits: Google is US-owned, and the browser service used to log in to supplier portals belongs to a US firm that has not signed EU standard contractual clauses with Heft, according to the policy itself.
Two plans are public, €49 a month for 150 payments and €99 for 300, excluding VAT, with no free trial mentioned.
Heft's pages describe DATEV export, SKR 03 or 04 booking and VAT returns through ELSTER for German customers, yet the product status page, last dated 8 October 2026, puts the DATEV handover in progress on example data and ELSTER filing and the full books under later. The German page says bookkeeping to the annual accounts is available on request. Check what is switched on before relying on it.
What Heft does well
- Fetches and matches receipts from the inbox and, once you log in, supplier portals
- Read-only bank access; nothing goes to the accountant without approval
- Two plain monthly prices, from €49 excluding VAT, cancel at month end
- Data in Frankfurt and AI processed in the EU, with the policy dated 9 November 2026
- Works alongside an existing Steuerberater rather than replacing one
Where Heft falls short
- A one-person business with no track record or certification
- Google Cloud is US-owned, and several US sub-processors are named
- DATEV export, ELSTER filing and full books appear as in progress or later on the status page
- No free trial and no accountant network
- Built for German tax; receipts-only outside Germany
Standout feature. It is the only tool on this page that goes looking for the receipt itself, including behind supplier logins, instead of waiting for you to upload it.
Pros and Cons
Pros
- Fetches and matches receipts from the inbox and, once you log in, supplier portals
- Read-only bank access; nothing goes to the accountant without approval
- Two plain monthly prices, from €49 excluding VAT, cancel at month end
- Data in Frankfurt and AI processed in the EU, with the policy dated 9 November 2026
- Works alongside an existing Steuerberater rather than replacing one
Cons
- A one-person business with no track record or certification
- Google Cloud is US-owned, and several US sub-processors are named
- DATEV export, ELSTER filing and full books appear as in progress or later on the status page
- No free trial and no accountant network
- Built for German tax; receipts-only outside Germany
Alternatives to Heft
Frequently Asked Questions
What is Heft?
Heft is an AI agent more than a ledger: it reads the business bank account and the inbox, looks for the invoice behind each payment, matches the two and asks the owner only when it cannot decide.
For each match it shows why the receipt belongs to the payment, and a booked month can be undone until it is locked. Bank access is read-only, so it cannot move money, and a supplier who suddenly gets paid to a different IBAN is held back for a question.
Where is Heft based?
Heft operates from Amsterdam, Netherlands, which places it under EU (Netherlands).
What does Heft cost?
Receipt agent €49 per month for up to 150 payments a month; Receipt agent Plus €99 per month for up to 300 payments a month; more on request. Billed monthly, excl. VAT, cancel at the end of any month. Prices as of November 2026.. No free trial stated.
Who is Heft best for?
German freelancers and small companies that want receipts chased and matched for them. It is the only tool on this page that goes looking for the receipt itself, including behind supplier logins, instead of waiting for you to upload it.
What are the drawbacks of Heft?
A one-person business with no track record or certification. Google Cloud is US-owned, and several US sub-processors are named. DATEV export, ELSTER filing and full books appear as in progress or later on the status page. No free trial and no accountant network. Built for German tax; receipts-only outside Germany.
Is Heft a good alternative to QuickBooks?
Heft is built as a European alternative to QuickBooks: An AI bookkeeping agent that fetches receipts, matches them to bank payments and prepares the month for the tax adviser. It will not be a like-for-like feature match in every respect, so check the review above for where the two genuinely differ before switching.
How does Heft compare to other Accounting Software?
Heft is one of several European Accounting Software we cover. It is most often compared with QuickBooks, Xero.