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 Feature Treatment Rationale 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-On Price Model Competitor Evidence Payroll (per country) €5/month module + €2/employee/month Per-employee hybrid Fiken: NOK 79 + 39/emp; Tripletex: NOK 65/user Bank integration (Open Banking via Tok) €4/month per bank account Per-connection Fiken: NOK 59; Tripletex: NOK 49 Annual accounts (APR/FINA/UIO) €25–35 one-time per year per entity One-time annual service Fiken: NOK 1,290–1,490/year; Tripletex: NOK 990/year Advanced dunning (5-step + SMS) €5/month Flat optional Basic bundled in both competitors API advanced (webhooks/limits) €6/month Flat optional Fiken: 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: (a) Reminders / dunning : Norwegian competitors bundle basic reminders in core. Monetizing them = friction without revenue. (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. (c) Calendar / deadlines : No Norwegian competitor sells a standalone calendar. It's embedded UX, not a product line. (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 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). 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. Low-hanging fruit: Complete Reminders persistence + scheduler (currently API endpoint exists, lacks durable storage) as CORE , not add-on. 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