Blog

Node2Shell and three more Node.js flaws (CVE-2026-111497, -106069, -105482, -105483): who is affected, which versions protect you and how to patch step by step.

You don't write invoices and just want clean books? Saldio Starter is pure financial accounting for CHF 5 a month: Swiss chart of accounts, bank import, year-end close and a login for your fiduciary.

Create an invoice and send it by email: pick the customer, add line items, send. PDF with QR bill and an online link for your customer, step by step with video.

PHP2Shell (CVE-2026-109618 and CVE-2026-109619): critical PHP flaw that also hits WordPress. A one-minute check, a message for your host and why Saldio runs without WordPress.

Creating a QR-bill in Switzerland: what goes on the payment part, QR-IBAN or IBAN, which reference to use and how payments are matched automatically.

Halloween, Black Friday, Christmas, New Year's Eve: Saldio rolls every sale day into one. A one-time 50% off the first year, valid for all annual plans: code SALDIO-SPEZIAL26, redeemable until 31 January 2027.

One annual amount per account, with actuals drawn continuously from your books. Why a budget belongs in the general ledger and not in a spreadsheet.

The half-depreciated machine is where most accounting migrations go wrong. How fixed assets, legacy holdings and depreciation land correctly in Saldio.

From PDF to finished document: how Saldio reads ZUGFeRD and the Swiss QR code, identifies or creates the supplier – without sending it to a third party.

Billing rate and hourly wage kept apart, no mandatory login, an honest margin: how Saldio connects the employee register to projects and time tracking.

On 2 July 2026, the name Saldio was officially entered into the Swiss trademark register. A quick look at the entry – and at what comes next.

Upload documents, run recognition, book as drafts: how import works in Saldio – three recognition stages (e-invoice, Swiss QR, AI) and twelve checks.

Invoices that book themselves, bank reconciliation, supplier invoices without retyping, Form 100 from the ledger: what SMEs can automate – and what not.

Bank reconciliation in Saldio: how payments are matched by reference, IBAN and amount, combined payments split and discounts or bank fees named.

Does the ledger balance match the bank statement? How to reconcile the bank account in Saldio at month-end, find differences and lock the period.

When did which invoice go to whom, did the email arrive, was the document opened? Email history, email log and the access log of online links in Saldio.

Create addresses, add contact persons and delivery addresses, import contacts from CSV, vCard or JSON: how Saldio manages customers and suppliers.

A customer's revenue, paid and open amounts and sending history on one page: how Saldio builds the digital customer file – straight from the documents.

Documents, attachments, archived invoice PDFs and receipts: how Saldio stores files – visibly linked, with issued documents unchangeable.

One search field for customers, documents, bookings and files (⌘K or Ctrl K) plus column filters in every list: how to find invoices in Saldio again.

Find overdue invoices, create reminders in bulk and send them: how dunning works in Saldio – with three stages, reminder fees and an ageing report.

One text per document type and language, placeholders for number, amount and due date: how Saldio builds the email for invoices, quotes and reminders.

Liquidity ratios, equity and debt ratios, net margin, EBITDA and EBIT – each with its formula, straight from the general ledger. Plus eight reports.

Create, issue, send, match the payment: how an invoice becomes a posted receivable in Saldio – with QR-bill, e-invoice and reversal instead of deletion.

An operating company, a property company, an association — or twelve client mandates: how Saldio keeps companies separate and switches with one login.

What customers still owe, even before the due date: how Saldio tracks open items, offsets partial payments and rounds cash payments to 5 centimes.

Payment terms, cash discount, online link and a friendly first dunning stage: what Saldio does to get invoices paid on time – without a threatening tone.

Quote, hours, supplier invoices and documents in one place, plus project costing with a traffic light: how Saldio shows whether a project is making money.

Build a quote, send it, revise it, get it accepted: how Saldio keeps every revision as a version and lets customers accept bindingly via an online link.

Quote, order, delivery note, invoice: how Saldio creates documents from one another, freezes the origin and shows the document chain as a diagram.

Four roles, 16 module permissions, an audit log: how to invite users in Saldio, who may see what and why the fiduciary cannot change bookings later.

Create suppliers from the document, recognise them by IBAN, suggest accounts: how Saldio brings together suppliers, incoming invoices and payments.

Income, expenses, open and overdue invoices, this quarter's VAT and automatic insights on one page: how the dashboard in Saldio is built.

Time entries in minutes on the project, four statuses from draft to invoiced and an assistant that builds the invoice: how hours get invoiced in Saldio.

Eleven standard codes, one code per entry, automatic split into net and VAT: how VAT codes in Saldio determine where an amount lands on Form 100.

Form 100 from the general ledger, the settlement entry in one click, eVAT XML for SuisseTax: how Saldio settles Swiss VAT – effective or net tax rate.

Lock monthly periods, pass four pre-checks, close with preview and audit record: how Saldio prepares the year-end close – and why it stays closed.

QR-IBAN, QR reference, RF reference: what the Swiss QR code contains, what Saldio checks and how a QR bill is booked via pain.001 to the bank line.

From bank export to matched payment: what CAMT.053 and CAMT.054 contain and how Saldio reads them, splits batch credits and skips duplicates.

A short overview of Swiss VAT: how it works, from which turnover it applies, which rates apply since 2024 and when returns are due.

Three ways to settle VAT with the ESTV: who may use which method, which limits apply and what the choice means for your bookkeeping.