Bilko Add-On Catalog & Pricing Model (2026-06-19, CEO-approved)

Bilko Add-On Catalog & Pricing Model

CEO-Approved 2026-06-19 | MC #103934, Parent #103917

Executive Summary

This document captures the CEO-approved add-on monetization strategy for Bilko, derived from live Norwegian SaaS market research (Fiken, Tripletex) and validated against Balkan market dynamics.

Key Decision: Of the four originally-proposed add-ons (reminders, tax/porezna, calendar, payroll), only payroll is monetized as a recurring add-on. The others are either bundled in core plans or offered as one-time annual services.

1. Core Plans (What's Included)

All paid Bilko plans (Starter €15 / Growth €29 / Pro €49) include:

• Fakturiranje: Unlimited invoices + recurring billing
• Basic reminders/dunning: Automated 2-stage payment reminders (7 days, 30 days post-due)
• Compliance calendar: Embedded tax deadline tracking (PDV, UST, CIT, PIT, PAYROLL deadlines for RS/HR/BA)
• PDV calculation + deadline reminders: VAT rate calc + automated deadline alerts
• Basic financial reports: P&L, Balance Sheet, Cash Flow
• Multi-user access: Unlimited users (Growth+) or 2 users (Starter)

Rationale: Norwegian market evidence shows that reminders, calendars, and tax deadline tracking are core differentiators, not premium features. Fiken and Tripletex both bundle these in their base plans. Charging for them creates friction without revenue upside in the Balkan SMB market.

Knjigovodstvo/GL (Modul B) unlocks at PRO tier (€49/month). This is the largest revenue unlock for existing built functionality.

2. Paid Add-Ons (Recurring & One-Time)

2.1 Payroll / Plate (per country)

Price:

• Module activation: €5/month per country
• Per employee: €2/employee/month
• Single-founder special: €5/month flat (1 person paying self)

What's included:

• Salary calculation
• Contribution calculation (PIO/ZZO/PDV Serbia | doprinosi Croatia | PIO/MIO BiH)
• Payslip generation
• Monthly regulatory form auto-fill:
  • Serbia: PPD-PD
  • Croatia: JOPPD
  • BiH FBiH: BRA-1022
  • BiH RS: separate forms for RS tax authority

Example scenarios:

• 1 employee (Serbia): €5/month
• 5 employees (Serbia): €5 module + (5 × €2) = €15/month
• 8 employees (Croatia): €5 module + (8 × €2) = €21/month
• Multi-country (RS + HR, 3 employees each): (€5 × 2) + (6 × €2) = €22/month

Competitor precedent:

• Fiken Lønn: NOK 79 first employee + NOK 39/additional (~€7 + €3.50/emp/mo)
• Tripletex: NOK 65/user/month (~€5.70/user/mo)

Strategic note: Payroll is the only of the original four targets that Norwegian competitors consistently monetize as a paid add-on. This is the anchor revenue unlock after GL goes live.

2.2 Bank Integration (Open Banking via Tok)

Price: €4/month per bank account connection

What's included:

• Automated transaction import
• Auto-reconciliation with invoices/expenses
• Bank dashboard

Competitor precedent:

• Fiken: NOK 59/month (~€5.20)
• Tripletex: NOK 49/month (~€4.30)

Strategic note: Bank integration is a standard per-connection add-on in Norwegian SaaS. Creates daily active usage and high retention.

2.3 Annual Accounts / Godišnji Obračun (one-time per year)

Price (one-time per year, per entity):

• Serbia (APR annual report): €29
• Croatia (FINA annual accounts): €35
• BiH FBiH (annual accounts): €25
• BiH RS (annual accounts): €25

What's included:

• Balance Sheet + P&L preparation
• Submission-ready format for:
  • Serbia: APR (Agencija za privredne registre)
  • Croatia: FINA
  • BiH: UIO (Uprava za indirektno oporezivanje)

Competitor precedent:

• Fiken: NOK 1,290–1,490/year (~€115–130/year)
• Tripletex: NOK 990/year (~€87/year)

Strategic note: This is not a monthly subscription. It's a one-time annual service charge, mirroring the Norwegian pattern. Periodic VAT reporting is free/core; annual closing is where genuine accounting labor occurs.

2.4 Advanced Dunning (optional)

Price: €5/month

What's included:

• 5-step dunning sequences (vs. basic 2-step in core)
• SMS reminders (via SMS gateway)
• Inkasso / collection agency referral integration

Strategic note: Basic payment reminders are free in core per Norwegian precedent. Advanced multi-step sequences with SMS are an optional premium.

2.5 API Advanced (for integrators)

Price: €6/month

What's included:

• Webhook events
• Higher rate limits
• Developer console access

Strategic note: Basic REST API read access is available in Growth/Pro plans. Advanced webhooks/events for integrators are an optional add-on, mirroring Fiken's NOK 99/month API add-on.

3. What Is NOT Monetized as Add-Ons

4. Pricing Model Summary Table

5. Norwegian SaaS Precedent (Live Evidence 2026-06-19)

Fiken (fiken.no/priser)

• Base: NOK 209/month (€18.50)
• Payroll: NOK 79 first employee + NOK 39/additional
• Bank: NOK 59/month
• Annual tax return: NOK 1,290–1,490/year (one-time)
• Payment reminders: bundled in core
• Tax deadline alerts: bundled in core

Tripletex (tripletex.no/priser)

• Base tiers: Basis NOK 199, Smart NOK 299, Pro NOK 479, Komplett NOK 649
• Payroll: NOK 65/user/month (add-on on lower tiers; 1 user included in Pro+)
• Bank: NOK 49/month
• Annual closing: NOK 990/year (one-time)
• Payment reminders: bundled in all tiers
• VAT auto-submit to Altinn: bundled in all tiers

Key pattern: Both competitors monetize payroll heavily. Both give away reminders, calendars, and periodic tax reporting as core. Annual filing is a one-time service, not a subscription.

6. Decision Rationale — Why Only Payroll?

Of the CEO's four original add-on targets:

1. (a) Reminders / dunning: Norwegian competitors bundle basic reminders in core. Monetizing them = friction without revenue.
2. (b) Tax / porezna reminders: VAT deadline alerts are regulatory compliance, not a premium. Annual filing (APR/FINA/UIO) is monetized as a one-time service, not a monthly add-on.
3. (c) Calendar / deadlines: No Norwegian competitor sells a standalone calendar. It's embedded UX, not a product line.
4. (d) Payroll / plate: STRONGLY VALIDATED. Both Fiken and Tripletex charge per-employee/per-user. This is the only proven recurring add-on revenue opportunity.

Conclusion: Bilko's add-on revenue model should anchor on payroll (per-employee), with bank integration (per-connection) as secondary, and annual accounts as a one-time service. Everything else is core or tier-gated.

7. Implementation Priority

1. Immediate unlock (days, not weeks): Flip BILKO_ACCOUNTING_GL=true for demo org → Knjigovodstvo/GL appears on demo; tie to PRO tier via existing planTier/Stripe entitlement. Requires operator flip + [VERIFY-NN] tax audit before auto-post + Proveo E2E (invoice → DRAFT → POSTED → GL).
2. Anchor add-on (Phase 2 after GL live): Payroll/JOPPD module — the only proven recurring add-on. Greenfield build; board flagged as separate gate decision.
3. Low-hanging fruit: Complete Reminders persistence + scheduler (currently API endpoint exists, lacks durable storage) as CORE, not add-on.
4. Do NOT build: Standalone calendar monetization. Keep calendar as embedded core differentiator.

8. Sources

• Live pricing pages: fiken.no/priser + tripletex.no/priser (fetched 2026-06-19)
• /tmp/bilko-gap-analysis/00-SYNTHESIS.md (John, MC #103917)
• /tmp/bilko-gap-analysis/02-competitor-teardown.md (Markos Zachariadis / Finverge, 2026-06-19)
• /Users/makinja/business/ALAI-Holding-AS/products/Bilko/docs/COMPETITIVE-RESEARCH.md v2.0 (Feb 2026)

Approval: CEO (Alem Basic), 2026-06-19, MC #103934
Author: John (AI Director, ALAI Holding AS)
Publication: BookStack https://docs.alai.no/books/bilko