Accounting precision.
Data you can trust.

We are a financial software company. We build and operate systems that automate corporate accounting, connect the tools a finance team already uses, and turn financial data into management reporting. The software is delivered as a managed service, which means a named team configures it, supervises it and is accountable for the output.

No. Calculativa is not a payment institution, a payment processor or a money services business. We do not hold, transmit or hold title to client funds, and we do not provide merchant acquiring. We read bank statement data where a client authorises it, purely to reconcile their own ledger — which is standard accountancy work, not payment processing.

Both, deliberately. Buying software alone leaves you to operate it; buying a service alone leaves you paying people to do work a system should do. We license our platform and staff the review layer on top of it, under one contract and one point of accountability.

Established companies with real operational complexity — typically multi-entity groups, cross-border businesses, and firms preparing for audit, financing or expansion into a new market.

Usually we complement it. A common arrangement is that we own the transactional and compliance layer — ledger, reconciliation, filings, payroll — while your team keeps commercial and strategic finance. The split is agreed explicitly during scoping.

Data is held under role-based access control with least-privilege permissions, encrypted in transit and at rest, retained according to a documented schedule, and covered by contractual confidentiality. Access is limited to the named team assigned to your engagement. As a Malta-registered company we process personal data in line with the EU General Data Protection Regulation.

Yes. We integrate with your existing systems where they are fit for purpose and recommend migration only when the current setup actively blocks accurate reporting. Any migration is planned, tested and reconciled before cutover.

We are headquartered in Malta and work across the EU and selected international markets. Jurisdictional coverage is confirmed during scoping, including whether local statutory filings are handled directly by us or through a licensed local partner.

With a scoping conversation. We review your structure, obligations and current pain points, then return a written proposal setting out scope, deliverables, service levels and fees. Nothing is charged before that proposal is agreed.