How Aarvo Works
Traditional bookkeeping is manual. You open a bank statement, find the matching invoice, type a category, calculate tax, attach the receipt, and mark it done. Repeat hundreds of times a month.
Aarvo reverses this. You upload your documents, connect your bank, and the system does the matching, categorising, tax calculation, and filing for you. You review and confirm.
The question changes from "what category is this?" to "did Aarvo get this right?"
The three layers
Everything in Aarvo is built on three layers, each feeding the next:
Bookkeeping - The foundation. Bank connections, transactions, receipts, invoices, reconciliation. Where your raw financial data becomes structured records.
Accounting and compliance - Built on top of bookkeeping. Tax calculations, P&L, Balance Sheet, VAT returns, filing deadlines. Compliance happens automatically - you don't need to understand accounting rules to stay compliant.
Insights and intelligence - The decision layer. Revenue trends, margin analysis, spending patterns, cashflow forecasting. Aarvo doesn't just record what happened - it helps you understand what it means.
Drop, confirm, finalise
This is the core workflow. Everything in Aarvo revolves around it.
Drop Upload your invoices, receipts, and financial documents in bulk. Drag and drop hundreds at once, or connect your email and let Aarvo pull them automatically. At the same time, your bank transactions flow in through connected bank accounts. Aarvo's AI takes over: extracting data from every document (supplier, amount, date, line items, tax), matching documents to the right bank transactions, categorising each transaction based on what it's learned about your business, and applying the correct tax rate. This is where ~90% of the work happens - without you doing anything.
Confirm Review what Aarvo has done. For each transaction, you can confirm what Aarvo suggests with one click, adjust the category or tax rate if needed, manually match a document Aarvo couldn't find, or add notes for your accountant. Aarvo flags anything it couldn't handle automatically - unmatched transactions, low-confidence categorisations, missing documents. The more you use Aarvo, the less there is to do here. Your corrections today mean fewer exceptions tomorrow.
Finalise Once confirmed, your books are effectively closed. P&L, Balance Sheet, and tax calculations update in real time. Returns are ready for filing. Your dashboard reflects the current financial position. No separate "generate report" step. No end-of-month scramble. Reconciled data flows straight into everything else.
What gets captured per transaction
Every reconciled transaction stores the financial amount, category, tax treatment, matched customer or vendor, attached documents (receipts, invoices), notes and accountant comments, and earned date vs paid date for accrual accounting.
This is not just a line in a spreadsheet. It's a fully linked financial record with an audit trail.
How data flows through Aarvo
Each step enriches the data. A raw bank transaction becomes a categorised, tax-calculated, document-linked financial record - which feeds your reports, dashboard, and intelligence layer.
Automation by default
Aarvo automates 90% of the bookkeeping process. Auto-categorisation, document extraction, transaction matching, tax rate application, and enrichment all happen before you touch anything. Manual work is for exceptions, not the rule.