FIZ
Lisbon, Portugal · StartupFIZ is a Lisbon-based fintech building a mobile-first "neo accountant" for Portugal's self-employed professionals and small businesses. The platform pairs AT-certified invoicing with automated VAT and Social Security filings and an AI fiscal assistant, and backs declarations with an "Escudo Fiscal" guarantee that covers up to EUR 1,500 of penalties per declaration. It runs on a freemium model, offering a free invoicing tier alongside paid plans at EUR 9.99 and EUR 14.99 per month, and reports more than 15,000 users invoicing over EUR 8M through the platform each month. For the directory, FIZ illustrates how vertically integrated tax-automation tools are reaching independent workers in markets where compliance has traditionally required a human accountant.