Welcome to Cove

Bookkeeping & VAT for Startups in Munich, Built for How You Actually Work

Ongoing bookkeeping, VAT returns, and monthly financial reports, fully digital, paperless, and structured for startups that move fast.

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Why Cove

Financial figures you can rely on, without the administrative drag slowing you down.

When your transaction volume grows, so does the complexity behind every invoice, receipt, and VAT period. We build a bookkeeping setup with the accuracy and structural control your startup needs, so your numbers are always a foundation you can act on, not a question mark you have to chase.

What holds startups back

Finance admin that runs parallel to the actual business rarely stays current. Receipts pile up, VAT deadlines creep closer, and by the time a monthly report lands, the data it reflects is already weeks old. That lag costs you clarity when you need it most.

Our approach

We replace manual, fragmented bookkeeping with structured digital workflows from day one. Documents flow in through a defined process, get categorized systematically, and feed directly into your reporting, no chasing, no backlog.

What we take off your plate

We handle your ongoing financial accounting, process all incoming documents digitally, prepare your VAT pre-returns on time, and deliver monthly management reports. You stay informed without building or managing a finance operation yourself.

Our goal

Your bookkeeping should give you a dependable, real-time picture of where your startup stands, not add another task to your list.

Financial Accounting

Bookkeeping that keeps pace with your startup

We manage your ongoing financial accounting entirely digitally, so your books stay current even as your transaction volume scales up.

Ongoing financial accounting organized through digital workflows
Structured, systematic document processing
Scalable processes designed for growing startups

A clean digital bookkeeping dashboard showing structured financial accounting for a growing startup, with organized document processing and up-to-date transaction records.

A VAT filing workflow showing timely submission of VAT pre-returns for a startup, with deadlines tracked and data drawn directly from live bookkeeping records.

VAT pre-returns filed accurately and on schedule

We prepare and submit your VAT pre-returns directly from your live bookkeeping data, so deadlines are never a last-minute scramble.

VAT returns based on current, reconciled bookkeeping data
Deadlines tracked and met as a matter of process
Less compliance overhead for your founding team

BWA & Reporting

Monthly figures that actually inform your decisions

A monthly management report is only useful if the bookkeeping behind it is up to date. We make sure your BWA reflects your current reality, not last month's backlog.

Monthly BWA and relevant financial reports
Current overview of revenue, costs, and business development
A solid data foundation for operational and strategic decisions

A monthly BWA financial report for a startup displayed on a screen, showing current revenue and cost data that supports clear operational decision-making.

A paperless digital accounting workflow showing a startup team submitting documents digitally, with clear process steps replacing manual sorting and administrative handoffs.

Digital Processes

Paperless by design, not as an afterthought

Every step of your bookkeeping runs through a defined digital process, eliminating manual handoffs and giving your team a clear, low-friction way to collaborate with us.

Fully digital document submission and processing
Defined workflows for ongoing collaboration
No manual sorting, scanning, or follow-up required from your side

Responsible Tax Office for Startup in Munich

For all tax administration matters – such as filing tax returns, complying with deadlines, or applying for extensions – your local tax office is your primary contact. Depending on your exact district or headquarters in Munich, a specific tax office (such as the Munich Tax Office) will be responsible for your business.

Finanzamt München

CLIENT TESTIMONIALS

What our clients say

With Cove, we finally have complete clarity over our finances—what we pay for and why. Everything is digital, transparent, and significantly more efficient than with traditional firms.

Klaus Wegener

CEO @35up

We used to wait weeks for answers. With Cove, everything runs digitally and proactively—they get in touch before deadlines approach. Finally, a tax advisor who thinks ahead.

Dr. Emil Kendziorra

CEO @Tomorrow Biostasis

We now save 10+ hours per month that used to be wasted on searching for receipts and email ping-pong. And when we have questions, we get answers that we actually understand.

Daniel Atanasovski

CEO @Coding Partners

FAQ

Answers to your questions

Frequently asked questions about working with Cove.

How does the collaboration with Cove work?

We handle your ongoing financial accounting, process all documents digitally, prepare your VAT pre-returns, and deliver regular monthly reports, all without you needing to be in the same room. Whether your startup is based in Munich's Maxvorstadt, Schwabing, or anywhere else, our fully remote-capable setup means location is never a barrier to structured, current bookkeeping.

Is Cove set up for startups that are scaling quickly?

Yes. Because our processes are digital and structured from the start, they handle higher document volumes, more complex transaction flows, and additional VAT requirements without requiring a complete rebuild of your setup.

Will I receive regular financial reports?

Yes. You receive a monthly BWA and relevant financial summaries so you always have a current picture of your startup's economic development, not just a year-end snapshot.

Does my team need to sort or categorize documents before sending them?

No. You submit documents digitally through our defined process, and we take care of categorization, allocation, and processing from there.

Can I switch to Cove if my bookkeeping is already being handled elsewhere?

Yes. We start with a review of your current setup and data, then manage a structured handover into ongoing care, so there's no disruption to your records or VAT timeline.

How does COVE work?