Holded vs Visma Netvisor Comparison
Compare Holded vs Visma Netvisor features, pricing, and more.
Last updated: November 2026
Holded
6.1/10
Cloud business management suite from Barcelona that combines invoicing, accounting, Spanish tax filing, CRM, projects and HR for small and mid-sized Spanish businesses.
Visma Netvisor
5.9/10
Finnish cloud accounting, invoicing and payroll system from Visma Solutions, aimed at Finnish SMEs, mid-size firms and the accounting offices that serve them.
Feature-by-Feature Comparison
| Feature | | V Visma Netvisor |
|---|---|---|
| Scores | ||
| Overall Rating | 6.1/10 | 5.9/10 |
| Scalability | 5/10 | 6/10 |
| Analytics | 6/10 | 6/10 |
| Compliance | 8/10 | 7/10 |
| Integration | 6/10 | 6/10 |
| Security | 5/10 | 6/10 |
| Support | 5/10 | 6/10 |
| Cost | 6/10 | 5/10 |
| Customization | 6/10 | 5/10 |
| Ease of Use | 7/10 | 6/10 |
| Pricing | ||
| Free plan | No | No |
| Cheapest paid plan | €15/mo Plus | €25/mo Basic |
| Estimated cost for 10 users | €199/mo Premium | €25/mo Basic |
| Features | ||
| Accountant Access | ||
| Bank Reconciliation | ||
| Expense Management | ||
| Financial Reporting | ||
| General Ledger | ||
| Inventory Accounting | ||
| Invoicing | ||
| Payroll | ||
| Tax Compliance | ||
| Accounts Payable | Not listed | |
| Budgeting and Forecasting | Not listed | |
Holded vs Visma Netvisor cost by team size
Holded costs less at 1 user; Visma Netvisor costs less from 5 to 10 users; Holded costs less from 25 users.
| Team size | Holded | Visma Netvisor |
|---|---|---|
| 1 user | €15/moPlus | €25/moBasic |
| 5 users | €99/moAvanzado | €25/moBasic |
| 10 users | €199/moPremium | €25/moBasic |
| 25 users | €15/moPlus | €25/moBasic |
| 50 users | €15/moPlus | €25/moBasic |
The plan that fits each team size, billed monthly, before add-ons and usage charges. Each cost opens that tool's pricing calculator for the team size.
Which One Should You Choose?
Why choose Holded
- Higher Compliance score (8/10 vs 7/10)
- Higher Cost score (6/10 vs 5/10)
VWhy choose Visma Netvisor
- Lower estimated cost for 10 users: €25/mo vs €199/mo
- Higher Scalability score (6/10 vs 5/10)
- Higher Security score (6/10 vs 5/10)
- Better fit for accountants and bookkeepers (9/10 vs 7/10)
Pros & Cons
Holded
Pros
- Generates Spanish VAT and income tax forms automatically from invoice and expense data, with VeriFactu included on every plan.
- Puts invoicing, accounting, CRM, projects and HR in one product, so a small Spanish company can replace several tools.
- Partner accounting firms get their own profile without using up a user seat.
- Native Shopify, WooCommerce and Amazon sync sends sales straight into the books.
- A 14-day free trial with no card required, plus 50 percent off for the first three months.
Cons
- Full double-entry accounting only begins at the 59 euro Estándar plan.
- Inventory, payroll, POS and SII are paid Gems that push the real cost above the listed price.
- Paying annually gives no discount, and each plan caps the number of invoices per calendar year.
- Automated tax filing only works for businesses based in Spain.
- Reviewers say support is slow at tax deadlines and the mobile app does less than the web version.
VVisma Netvisor
Pros
- Large Finnish accounting-office network of more than 800 partner firms, which makes outsourcing bookkeeping easy.
- Payroll, expense claims, inventory and Controller budgeting all sit in one system, sized to Finnish rules.
- Starter's flat fee covers 1,000 common transactions, which is predictable for companies with higher volumes.
- Free 30-day trial with no credit card, and it does not convert automatically to a paid plan.
- Data is hosted on AWS in Germany and Sweden, inside the EU and EEA.
Cons
- Package fees rise with the turnover band, and the official page does not show every band's price.
- Basic and Core charge per transaction, so monthly costs vary.
- The full API requires Professional or higher.
- Built for Finland, so it offers little for companies operating elsewhere.
- Visma's trust page shows no Netvisor-specific audit reports or certifications, only AWS's ISO 27001.
- Few independent user reviews were found on major review sites.
Not sold on either?
Frequently Asked Questions
Holded scores higher on our Finance Software criteria: 6.1/10 against 5.9/10 for Visma Netvisor. The largest gap is in Compliance: 8/10 for Holded and 7/10 for Visma Netvisor.
Visma Netvisor costs less for 10 users: about €25/mo on its Basic plan, against about €199/mo on its Premium plan for Holded, billed monthly.
No, neither Holded nor Visma Netvisor lists a free plan.
Visma Netvisor is the better fit for accountants and bookkeepers: we rate it 9/10 for them, against 7/10 for Holded.
