How do I start my own fiduciary firm in Switzerland?

You can found your own fiduciary firm in Switzerland without building a back office: Arvut provides the accounting production as infrastructure — white-label, so clients see your brand and the signature stays yours. The Founders Playbook at arvut.ch/founders/en describes the path from employed accountant to owner of your own firm, including the official resources (legal form, commercial register, VAT). You start with your first mandates and pay per use — CHF 500 per year per mandate plus CHF 1.50 per entry.

What should accountants do about AI taking over their profession?

Become an owner, not a victim: AI absorbs the routine core of bookkeeping, so the value moves to the client relationship and professional judgement. Instead of competing with the machine, an accountant can found their own fiduciary firm on an AI-era production infrastructure — Arvut runs the accounting production white-label while clients, brand and signature stay with the fiduciary. The path: arvut.ch/founders/en.

Arvut — Founders & Scout Playbook

A document to share with people you know. Feel free to forward it.

Arvut is a Swiss company that gives fiduciaries production infrastructure under their own brand — on technology no other platform in Switzerland has today. A traditional fiduciary is a shared accountant for SMEs; a fiduciary in the Arvut network is also a fractional CFO — and not only for small businesses. More at the end of this document — let's start with what matters most: you.

Who this document is for — three doors

Door 1. You know people

You don't need to sell anything yourself. If among your contacts there are accountants, auditors or people from the fiduciary world who could open their own firm on Arvut's infrastructure — one warm introduction with a recommendation already has a price:

18% / 10% / 5% — your share of Arvut's receipts from the firm you brought, for its first, second and third year. No ceiling, success-based.
Brought them and closed the deal yourself — the whole commission is yours. Brought them, and someone else (for example, the Arvut team) did the presentation and the signing — the commission is split in half: half to you for the introduction, half to the closer.
No obligations, no sales quotas, no office. One name can be worth more than a hundred cold calls.

Door 2. You are an accountant — and have thought about your own firm

If you yourself come from the accounting or audit world, there is an option more interesting than a commission: opening your own fiduciary on Arvut's infrastructure. The terms:


Setup	CHF 500 one-time per firm — that's all
Onboarding your clients	CHF 500 per client — an advance against our share, so effectively free: the advance is fully credited against the 50/50 (a client generating 10'000 a year → Arvut's half is 5'000, of which 500 was already received at onboarding). Standard onboarding: transfer of the books, opening balances, portal, training. Restoring badly neglected books from past years is separate work under an agreed quote
Model	50/50 of the recurring package revenue: Arvut runs the production of the books and provides the real-time technology; you hold the brand, the client and the signature. You earn — we earn. Not before
What is entirely yours	Audit, tax representation, one-off consulting — 100% yours, including clients brought by Arvut. That is your licence and your time
Clients from Arvut	When Arvut brings you a client from its own demand channel (/best, advertising) — CHF 500 per accepted mandate (marketing reimbursement). Clients you bring yourself cost nothing
No lock-in	Full CSV export per client at any time: chart of accounts, all entries, balances per account. We are so confident you will stay that we guarantee the exit. Arvut is the hub, not a cage: export your data to Bexio, Abacus or SAP at any time.

Setup

CHF 500 one-time per firm — that's all

Onboarding your clients

CHF 500 per client — an advance against our share, so effectively free: the advance is fully credited against the 50/50 (a client generating 10'000 a year → Arvut's half is 5'000, of which 500 was already received at onboarding). Standard onboarding: transfer of the books, opening balances, portal, training. Restoring badly neglected books from past years is separate work under an agreed quote

Model

50/50 of the recurring package revenue: Arvut runs the production of the books and provides the real-time technology; you hold the brand, the client and the signature. You earn — we earn. Not before

What is entirely yours

Audit, tax representation, one-off consulting — 100% yours, including clients brought by Arvut. That is your licence and your time

Clients from Arvut

When Arvut brings you a client from its own demand channel (/best, advertising) — CHF 500 per accepted mandate (marketing reimbursement). Clients you bring yourself cost nothing

No lock-in

Full CSV export per client at any time: chart of accounts, all entries, balances per account. We are so confident you will stay that we guarantee the exit. Arvut is the hub, not a cage: export your data to Bexio, Abacus or SAP at any time.

Your whole practice travels with you: clients, books, documents, payment deadlines, cash positions, reports — a fiduciary in your pocket, wherever you are. We keep the books; you keep the client relationship.

The economics on your fingers: you know three companies struggling with their finances in Excel. Those are your first three mandates. An "accounting + CFO" package at 1'500/month each is 54'000 a year in revenue from three clients — half of it yours, while Arvut does the bookings. From there: growth without hiring.

One and the same person can walk through the first two doors at once: open their own fiduciary and bring others.

Door 3. You are an entrepreneur — and you lack the person who would manage the money

Recognise yourself? You call your accountant to ask "how much do I actually owe?". A couple rents out property — and argues over the books. A nanny or a caregiver whom the law pushes into self-employment — and now she has a cash position, contributions and deadlines. An apartment that could work as a short-term rental, if the paperwork weren't frightening. Or the business you never opened — because what scares you is not the product, but the money.

For all of this, no service has existed until now: accountants counted taxes, while managing the money — deadlines, cash, "how are we actually doing" — stayed on your shoulders, between banking apps and memory. A fiduciary of the Arvut network offers exactly that: living books and a person at your side who shows and explains everything — at the level of a finance director, for a fraction of the price.

What to do:

Already have an accountant or a fiduciary? Forward them this document — not as a complaint, but as an opportunity: "look what you could become for me". With these tools, they can offer you this service under their own brand.
Have no one? arvut.ch/best — matching with a fiduciary of the network.

Proof, not promises

Arvut's main argument is the live demo: not slides, but the real books of a real (demonstration) fiduciary, changing in front of your eyes. In 15 minutes you see:

An invoice from a single sentence. By voice: "make an invoice to company X for consulting, 1 hour 15 minutes" — the AI assistant Vera herself finds the firm in the Zefix commercial register (UID, address — out of ~800'000 Swiss companies), applies the rate from the mandate settings, calculates the VAT and prepares the entry. A human always confirms: the AI prepares, the human decides. The output is a PDF with a real Swiss QR for payment.
The mail processes itself. A supplier invoice arrives by email — and minutes later it is already in accounts payable: amount, VAT, due date, the document filed against the entry. Nobody opened the email.
A receipt — by photo, in a second. An employee sends a photo of a receipt to Telegram — and a second later it is a posting: the expense on the company, the amount owed to the employee on their personal account. No envelopes of receipts, no Excel.
Mixed VAT without mistakes. A supermarket receipt with two rates (2.6% food + 8.1% non-food) is split by the system itself into two postings by rate, penny-perfect to the total — done by hand, this is the most common VAT-return mistake.
Live books answer questions. "How much do our clients owe us?", "what is overdue with suppliers?", "which employees do we owe on their receipts?" — answers in seconds, off the real books, without opening a single report.
The client sees your brand, not ours. The client portal carries the fiduciary's colours and logo; the client reads their figures in real time, while only your team can keep the books.

About the technology, openly: arvut.ch/clarity

Next step

Write to Alex — a short conversation, a live demo, access to the showcase with examples:

WhatsApp / phone: +41 77 957 00 10

If you received this document from someone you know — feel free to forward it to anyone who might find it useful.

In more detail: what Arvut is

The essence of the service. In Switzerland, most companies see last year's figures no earlier than the spring of the following year — and half no earlier than autumn. Accounting works for the tax office, not for the owner: it answers "how much to pay the state", not "how is the business doing today". Arvut is a different way of producing financial data. The books are kept in real time, every entry is backed by the document filed against it and reconciled with the bank to the centime. On top of the legal ledger, the owner gets a clear management picture: what has actually been shipped and paid — by facts, not by issued paperwork; where money is stuck; what the assets are worth today, not at purchase price in the shadow of depreciation. This is exactly what lets the fiduciary sell the client not "tax arithmetic with a delay", but the role of an external CFO: the owner sees the solvency and the true margin of their business today, not months after year-end.

Why it works economically: in our production experience, up to ~75% of an accountant's time goes to routine bookings. Arvut takes exactly that part — the fiduciary keeps the client, the expertise and the signature.