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Bilko HR Roadmap — Fiscal Compliance + Feature-Enable Architecture (2026-05-29)

Bilko HR Roadmap — Fiscal Compliance + Feature-Enable Architecture

Created: 2026-05-29 CEO directive: B2B prvo, B2C odgođen, citav app feature-enable based (micro-frontend) za per-user per-plan delivery Status: Active roadmap, supersedes prior B2B-only scoping

1. Executive summary

  • HR ima dva odvojena fiskalna sistema: F1 (B2C, SOAP) i F2 (B2B, Peppol) — oba mandatorna od 01.01.2026 per Zakon o fiskalizaciji NN 89/25 (porezna-uprava.gov.hr verified 2026-05-29)
  • CEO odluka 2026-05-29: B2B prvo (Phase 0), B2C odgođeno
  • CEO arhitektonska direktiva 2026-05-29: Feature-enable based / micro-frontend / per-user per-plan delivery — NE hackovati per feature
  • B2B path: Storecove (~70% Bilko code već postoji, u pregovorima oko cijene) ili Sveračun (negotiated <€0.10/invoice, čekamo creds)
  • Multi-tenant accountant view (1 računovođa → 30+ klijent orgs) zavisi od prvog B2B ACK
  • Direktni rizik produkta ako feature-enable ne dođe prvo: plan tier leakage, ad-hoc feature flag hacking, market cross-contamination

2. Croatian fiscal legal framework

Zakon o fiskalizaciji

  • Aktuelni tekst: NN 89/25 (Narodne novine)
  • Source: https://porezna-uprava.gov.hr/hr/fiskalizacija/3982

F1 — B2C fiskalizacija (POS / kasa)

  • Aktivno od 2013 (Fiskalizacija 1.0), proširen 2026 (Fiskalizacija 2.0)
  • Path: real-time SOAP ka cis.porezna-uprava.hr
  • JIR (Jedinstveni identifikator računa) — generira Porezna uprava u SOAP response-u
  • ZKI (Zaštitni kod izdavatelja) — MD5 hash (OIB + DateTime + InvoiceNumber + PPCode + DeviceCode + TotalAmount), RSA-signed sa FINA cert
  • Cert obaveza: PER-ORG FINA application certificate, bez moguće intermedijarne organizacije
  • Receipt arhiva: 11 godina
  • Hardware fiskalni printer: NIJE legalno mandatoran (web POS dovoljan)
  • Source: https://porezna-uprava.gov.hr/hr/fiskalizacija-racuna-u-krajnjoj-potrosnji-b2c-poslovanje/8033

F2 — B2B eRačun

  • Mandatorno od 01.01.2026 (svi B2B sa drugim PDV obveznicima)
  • Format: HR-FISK CIUS (Peppol BIS Billing 3.0 sa hrvatskim ekstenzijama)
  • Path: preko Peppol intermediara (Storecove, Sveračun, drugi)
  • Cert NIJE per-org — intermediar pokriva (key razlika od B2C)
  • UBL 2.1 XML (težak dio) — već implementiran u Bilko
  • Source: https://porezna-uprava.gov.hr/hr/izdavanje-i-primanje-eracuna-i-fiskalizacija-eracuna/8047

Terminologija

  • "F1" = B2C sistem (ne form-type / cert-type)
  • "F2" = B2B sistem (ne form-type / cert-type)
  • Common confusion: ovo NISU schema verzije ili cert tipovi

PDV stope

  • Standard: 25%
  • Reduced: 13% (turizam, hospitalitet)
  • Reduced: 5% (osnovne potrebe, mediji)
  • Zero: 0% (izvoz, intra-EU isporuke)

3. Phased roadmap sa MC mapingom

Phase 0 — B2B prvo (current focus)

Phase MC Naslov Status Vlasnik
0a #102447 Storecove HR-FISK 2.0 activation (FAST PATH, 4-5 dana) open — counter-offer poslan 2026-05-28 john
0b #102398 Sveračun API sandbox onboarding (negotiated <€0.10/invoice) open — čeka CEO email za creds + računovođa intro john
0c #102481 Feature-enable based micro-frontend architecture (CEO 2026-05-29) open — kritičan prerequisite, dolazi PRIJE Phase 1 john
0d #102401 Bilko Phase 0 multi-org switcher + Securion RLS gate open — zavisi od bilo koji B2B ACK john
0e #102399 5 accountant pilot recruitment (90-day) open — CEO outreach alem
0f #102400 HR pravna osoba tracking (background) open — Sveračun potvrdio NIJE potrebno za B2B; B2C TBD alem

Phase 1+ — B2C (DEFERRED per CEO 2026-05-29)

Phase MC Naslov Status
1 #102478 B2C fiskalizacija MVP (ZKI + JIR + SOAP + FINA cert) DEFERRED — 21 dana effort
2 #102479 B2C POS web kasa modul DEFERRED — 19 dana effort
3 TBD Hardware integration (fiskalni printer, cash drawer, barcode) not opened
4 TBD Industry specializations (hospitality, retail, services) not opened

4. Feature-enable architecture directive

CEO directive (verbatim, 2026-05-29)

"citav app treba da je feature enable based (micro frontend) nadam se da mozemo lako features per user per pay deliver a ne da sve hakiramo"

Problem statement

  • B2B + B2C + accountant view + direct SMB + multi-market (HR/RS/BiH) — sve raste kao monolit
  • Risk: per-feature ad-hoc hacking
  • Risk: revenue leakage (Basic plan vidi Pro feature)
  • Risk: dev na HR markeu lomi RS market

Cilj — komponente architekture

  1. Central feature catalog — kanonski popis svih feature-a sa metadata (market, plan tier, dependency graf)
  2. Per-user feature resolution — funkcija od (tenant org country + plan tier + accountant role + custom overrides)
  3. Micro-frontend split — nezavisni feature modules koji se učitavaju/ne učitavaju po feature flag-u
  4. Pricing model alignment — Basic/Pro/Accountant tier = feature subset (definirano u catalog-u)
  5. Safe fallback — feature flag service down → conservative defaults (Basic, ne Pro)
  6. Audit trail — koji user kad accessovao koji feature

Implementation phases (MC #102481)

  • Phase 0: feature catalog kanonski + DB schema + resolution endpoint (~M effort)
  • Phase 1: per-tenant feature flag application u backend (~S)
  • Phase 2: micro-frontend split frontend (~L)
  • Phase 3: pricing model wiring (~M)
  • Phase 4: admin UI za enable/disable per tenant (~S)

Build vs buy

Datavera istražuje:

  • LaunchDarkly (mature, $$)
  • GrowthBook (open-source self-hosted)
  • Unleash (open-source self-hosted)
  • ConfigCat (mid-tier)
  • Build-our-own (potpuna kontrola, više rada)

5. Open decisions for CEO

  1. B2B path: prihvatamo Storecove counter-offer (ako stigne s revidiranim quote) ili idemo Sveračun?
  2. HR pravna osoba: potvrđeno NIJE potrebna za B2B; otvoreno za buduće B2C (kad ga otvorimo)
  3. Feature catalog vendor: build vs buy — odluka nakon Datavera istrage
  4. Multi-market timing: kad RS (SEF) + BiH ulaze u feature catalog scope?

6. MC indeks

MC Priority Status Vlasnik Naslov Rute
#100332 H ready_for_review alem Sveračun CEO outreach (parent) bizdev
#102447 H open john MC-A2 Storecove FAST PATH backend
#102398 H open john MC-A Sveračun sandbox onboarding backend
#102481 H open john Feature-enable architecture (CEO 2026-05-29) backend
#102401 H open john MC-D Phase 0 multi-org switcher backend
#102399 H open alem MC-B 5 accountant pilot recruit bizdev
#102400 M open alem MC-C HR doo tracking bizdev
#102478 H open (DEFERRED) john MC-E B2C fiskalizacija MVP backend
#102479 M open (DEFERRED) john MC-F B2C POS web kasa frontend
#102448 H open john Vendor email routing + auto-forward devops
#102449 H open john Policy: no strategic reply bez CEO OK bizdev

7. Source artifacts

  • /tmp/alai/bilko-hr-fiscal-full-scope-20260529.md — Datavera HR law research (640 linija)
  • /tmp/alai/bilko-hrfisk-audit-20260528.md — CodeCraft FISK code path audit
  • /tmp/alai/sveracun-meeting-outcome-20260528.md — Sveračun meeting outcome
  • /tmp/alai/bilko-accountant-gtm-spec-20260528.md — Skybound accountant-led GTM spec
  • /tmp/alai/bilko-multitenant-accountant-gap-20260528.md — CodeCraft multi-tenant tech gap
  • /tmp/alai/storecove-counter-reply-20260528.md — Storecove counter-offer state

8. Decision log

Datum Odluka Kontekst
2026-05-28 Bilko HR ide dual-track GTM (accountant + direct SMB) Sveračun meeting strategic input
2026-05-28 Storecove counter-offer poslan (no name drop Sveračun) CEO directive — leverage
2026-05-29 B2B prvo, B2C odgođen CEO scope decision
2026-05-29 Feature-enable / micro-frontend arch je obavezan prerequisite za sve daljnje builds CEO architecture directive

9. Next steps

  1. Storecove reply chase — ako nema odgovora do 2026-06-04, poslati follow-up sa ref na contract expiry 27-06-2026
  2. Sveračun follow-up email — CEO šalje za sandbox creds + 3-5 računovođa intro (target: 2026-05-30)
  3. Datavera dispatch za feature catalog vendor comparison (LaunchDarkly vs GrowthBook vs Unleash vs build-our-own)
  4. Mehanik gate za MC #102481 (feature-enable arch) prije CodeCraft Phase 0 dispatch
  5. Update MEMORY.md sa pointer-om na ovu BookStack stranicu (skip-list ako se promijeni status)

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