# 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
FeatureTreatmentRationale
**Calendar / Deadlines (Kalendar obaveza)****CORE** (bundled in all paid plans)No Norwegian competitor sells a standalone calendar. Deadline protection is a trust-building differentiator vs. legacy tools like e-racuni/Minimax. Tax deadline misses in Balkans = severe penalties (Serbia: up to 100% of tax for late filing; Croatia: fines up to HRK 200,000). This is a **core value prop**, not a tax.
**Basic reminders / dunning****CORE** (bundled in all paid plans)Both Fiken and Tripletex bundle payment reminders in core. Charging for this creates friction without revenue. Advanced dunning (5-step + SMS) is the optional premium.
**VAT calculation + deadline reminders****CORE** (bundled in all paid plans)Periodic VAT reporting is a regulatory obligation, not a premium feature. Both Norwegian competitors include this free. Annual filing is the monetization point (one-time service).
--- ## 4. Pricing Model Summary Table
Add-OnPriceModelCompetitor Evidence
**Payroll (per country)**€5/month module + €2/employee/monthPer-employee hybridFiken: NOK 79 + 39/emp; Tripletex: NOK 65/user
**Bank integration (Open Banking via Tok)**€4/month per bank accountPer-connectionFiken: NOK 59; Tripletex: NOK 49
**Annual accounts (APR/FINA/UIO)**€25–35 one-time per year per entityOne-time annual serviceFiken: NOK 1,290–1,490/year; Tripletex: NOK 990/year
**Advanced dunning (5-step + SMS)**€5/monthFlat optionalBasic bundled in both competitors
**API advanced (webhooks/limits)**€6/monthFlat optionalFiken: NOK 99/month for API add-on
--- ## 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