Contivo
Contivo is a Polish AI-native accounting system for bookkeeping firms and companies. Its AI reads, codes and posts documents while the accountant validates exceptions. Nine modules cover KSeF, JPK, ZUS, payroll, inventory and fixed assets under one price.
What is Contivo?
Contivo is a Polish cloud accounting system published by Codentra spółka z ograniczoną odpowiedzialnością and presented as the first AI-native accounting system in Poland. The claim is about where the AI sits: not a chat window bolted onto a ledger, but the layer that executes the accounting work itself. As the vendor puts it, once the AI has done its pass it is the state of the books that has changed, not merely the contents of a window. One codebase serves two audiences. A bookkeeping practice can hold the ledgers of hundreds of client companies and switch between them without signing in again, while a single business can run its own accounts the same way. Nine modules — accounting and tax filings, sales, purchases, cash and bank, HR and payroll, inventory, plus fixed assets, reporting and the AI tools — are included in one price, and the menus adapt to the three Polish bookkeeping regimes: full books, KPiR and ryczałt ewidencjonowany. Documents arrive through four channels: the KSeF buffer, the practice's mailbox, uploaded files in batches of up to twenty, and bank statements. Each channel carries its own autonomy setting — off, hold for verification, simulation that calculates without touching the books, or full automation — together with a per-channel amount ceiling. By default, e-mail and uploads start in verification mode while the KSeF buffer and bank matching are switched off. A 90% confidence threshold sends anything less certain to a decision queue with the reason attached. Beyond routine invoices, Contivo handles nine non-standard document types, from loans and leases to insurance policies, tax office decisions and interest notes, with accrual schedules. Eleven control rules sweep the ledgers continuously for duplicate purchase invoices, VAT register entries with no matching ledger line, payments larger than the invoice, documents added after a filing was confirmed, foreign-currency invoices without a rate and assets carrying no depreciation. Five official Ministerstwo Finansów forms are completed automatically, five interest calculators follow NBP rates, and an AI assistant answers questions from the practice's real entries and can act on them once approved. Every correction is remembered by counterparty and document type.
What it does
- Read an invoice and produce a complete posting: debit and credit accounts, VAT register entry and description
- Reconcile an MT940 bank statement against open receivables and payables
- Issue and receive structured invoices through KSeF, retrieving the KSeF number and the UPO confirmation
- Assemble and file JPK_V7M and JPK_V7K files and VAT returns with the Ministerstwo Finansów
- Run a payroll and produce ZUS DRA declarations in the KEDU 5.7 format
- Fill in VAT-R, NIP-8, PIT-11, PIT-4R and CIT-8 automatically on the official form templates
- Flag anomalies in the books through eleven control rules running continuously in the background
When to use Contivo / When not to
A quick filter to help you decide if Contivo is the right fit.
When to use Contivo
- Polish bookkeeping firms handling repetitive, high-volume document flows for many client companies at once
- Polish businesses that keep their own books, from sole traders to limited companies (spółka z o.o.)
- Finance teams that want ledgers, payroll, inventory and fixed assets in one system behind a single login
- Practices migrating away from Optima, Enova or Symfonia, including HR records and payroll and settlement history
- Companies in the six sectors Contivo addresses by name: e-commerce, IT, transport, construction, professional offices and property rental
When not to use Contivo
- Anyone doing accounting outside Poland: the system is built on KSeF, JPK, ZUS, the Polish accounting act and Polish PIT, CIT and VAT rules
- Teams that need a non-Polish interface or support, since both are Polish-only and limited to working days
- Users who want a mobile or desktop application: Contivo runs in the browser and nowhere else
- Small practices with fewer than roughly 33 clients, for whom the 299.99 PLN monthly floor cancels out the 9 PLN per-client headline
- Buyers who require published customer references before signing, since the Opinie page carries none
How to use Contivo
A typical end-to-end flow, from setup to results.
- Create an account in a few minutes, with no payment card and no technical help required
- Follow the setup wizard to enter the practice's details, logo and default tax settings
- Import the client base from a CSV file or another system; historical data is processed in the background while you keep working
- Connect a qualified electronic certificate, after which JPK files, KSeF invoices and ZUS declarations are sent straight from the system with no plug-in or intermediary
- Link the bank accounts and the mailbox that receives incoming documents
- Set the autonomy level and the amount ceiling for each input channel, starting in verification mode if you prefer to watch before delegating
- Let the AI post documents, reconcile statements, assemble filings and calculate payroll, then review the exceptions it queues for you
- Migrate from Optima, Enova or Symfonia where needed: migration is included in the price and can carry over HR records plus payroll and settlement history
- Work entirely in the browser: an up-to-date browser with JavaScript, an active e-mail address and a TLS/HTTPS connection are all that is required
- Sign in at https://contivo.pl/login
Pros & Cons
Pros
- One price with no per-module and no per-seat surcharge: all nine modules are included
- Pricing tracks the number of clients served rather than the number of users or modules
- Native compliance with the Polish systems (KSeF, JPK, ZUS, e-Deklaracje) without third-party plug-ins, with regulatory updates included in the subscription
- Explicit safety rails: four autonomy levels per channel, a per-channel amount ceiling, a 90% confidence threshold and nothing entering the books without acceptance
- Eleven control rules run continuously instead of leaving everything to a year-end review
- Migration and training included, with imports from Optima, Enova and Symfonia
- A full-feature 30-day trial with no payment card and no commitment, and a marketing site that sets no analytics, advertising or tracking cookies
Cons
- A very young product: the domain was registered on 18/05/2026, the legal documents are version 1.0 dated 12 June 2026, and the Wayback Machine holds no capture of the site at all
- No customer testimonial is published; the Opinie page acknowledges this openly rather than inventing any
- The 299.99 PLN monthly floor means the advertised 9 PLN per client only applies from roughly 33 clients upward, and two pages of the site give incompatible calculations for the same client count
- Nothing published says whether customer documents are used to train AI models, or how a customer could object
- No sub-processor is named, only categories, and no security certification (ISO 27001, SOC 2) or quantified availability commitment is published
- The product is usable in Poland only, the interface and support are Polish-only on working days, there is no mobile or desktop app, and what English material exists lives on the publisher's own domain rather than on the product site
- Bank reconciliation relies on an MT940 file or an export rather than a live bank connection, and the site publishes two different phone numbers depending on the page
Pricing & Plans
All published prices are net of VAT: the pricing page states Ceny netto and the structured data on the site marks value added tax as not included. There is a free 30-day trial (0 PLN, no payment card, full functionality, no commitment) but no permanent free plan. After the trial a single paid plan applies: 9 PLN net per month for each client the practice serves, subject to a minimum charge of 299.99 PLN net per month whatever the actual client count. That floor is the lowest amount genuinely payable. The examples published on the pricing page set 10 clients at 299.99 PLN a month, 50 clients at 450 PLN and 100 clients at 900 PLN. There is no cap on the number of clients, updates and support are included, and the subscription can be cancelled at any time. Data migration, deployment, team training and support through the first annual closing are all announced at no extra charge, as are API access and the Biała lista checks. Billing runs per settlement period on a VAT invoice payable within 14 days, and the service may be suspended after an unanswered formal notice.
- full access to every function
- covering invoicing and KSeF
- JPK_V7M and JPK_V7K and tax returns
- HR and payroll with ZUS
- inventory and the AI analyses
- with no commitment
- full access to every function
- payment based on the number of clients served
- no limit on the number of clients
- updates and support included
- cancellable at any time
Data, GDPR & hosting
A consolidated view of how Contivo handles your data.
GDPR overview
GDPR implementation is documented and specific. Three separate texts — Polityka prywatności, Regulamin and the Article 13 Klauzula informacyjna RODO — are all version 1.0, in force since 12 June 2026. The controller is identified by name together with its KRS (0000877399), NIP (9571129766) and REGON (387886268) numbers. Rights are listed article by article: access (15), rectification (16), erasure (17), restriction (18), portability (20), objection (21) and withdrawal of consent, exercised through a single channel, hello@codentra.pl or +48 575 755 510, with an answer promised without undue delay and within one month at the latest. Complaints go to the Prezes Urzędu Ochrony Danych Osobowych, ul. Stawki 2, 00-193 Warszawa. Transfers outside the EEA are allowed only under Chapter V safeguards, notably standard contractual clauses. No data protection officer is appointed, and no Article 27 representative exists because the publisher is established in the EU.
Who owns the data?
Codentra plays two distinct roles. For account, billing and contact details it is the data controller. For everything customers enter into the system it acts only as a processor under Article 28 GDPR, working solely on the client's documented instructions; the bookkeeping firm or business that entered the data remains its controller. Sub-processing terms sit in the service agreement and the OWU (Ogólne Warunki Umowy) rather than on the public pages. Passwords are stored only as cryptographic hashes. When a contract ends, the customer may export its data in a commonly used format within 30 days.
Reuse rights
Codentra lists four purposes: performing the contract (Art. 6(1)(b)), meeting tax and accounting obligations (Art. 6(1)(c)), answering enquiries, pursuing debts and securing the service (Art. 6(1)(f)), and its own marketing and newsletter on revocable consent (Art. 6(1)(a)). Recipients are sub-processors (cloud hosting and infrastructure, e-mail, IT tools), competent public authorities, and the public gateways e-Deklaracje, KSeF and ZUS, the last of these only on the client's instruction. The publisher states plainly that it does not sell personal data and does not release it to third parties for their own marketing purposes, and that no decision producing legal effects is taken solely by automated processing, profiling included. The site itself sets no analytics, advertising or tracking cookies and uses no third-party analytics tools; it relies only on localStorage for the session and sessionStorage for the order form. One question is never answered: nothing published says whether customer documents are used to train AI models, or how a customer could object. What the site does describe is learning confined to each practice — the system remembers posting corrections by counterparty and document type and adapts to each company's history and chart of accounts.
Data retention & training
Hosting summary
The privacy policy commits to servers located in the European Economic Area, or with providers ensuring GDPR compliance. Any transfer outside the EEA would take place only under the Chapter V safeguards of the GDPR, notably the standard contractual clauses approved by the European Commission. No country is named anywhere in the privacy policy, the terms or the security page, and no sub-processor is named either, only categories: cloud hosting and infrastructure, electronic mail, and IT tools. A separate and stronger claim appears on the publisher's own site: a 100% Polish stack, code, hosting and data in PL, with no documents sent abroad. That claim appears in none of Contivo's legal documents. An independent measurement on 05/09/2026 found contivo.pl served behind Cloudflare from Render, its www origin resolving to a United States region; this concerns the marketing site and does not necessarily describe the application. On the security side the publisher states that it runs the backups, isolates each company's data at application level, encrypts traffic with TLS/HTTPS, stores passwords as hashes and limits login attempts.
Where Contivo works
Country-level availability.
Available in
Things to keep in mind
Risks and trade-offs to weigh before adopting Contivo.
- The 299.99 PLN monthly floor changes the economics entirely for a small practice: the advertised 9 PLN per client is only reached from roughly 33 clients upward
- Two pages of the site compute the same scenario differently, the pricing page charging 299.99 PLN for 10 clients where the cost guide arrives at 90 PLN, so ask in writing which one governs
- Nothing is published about whether AI models are trained on customer documents, even though the vendor's own security article names that question as decisive when choosing a supplier
- The hosting story is inconsistent: the publisher's site advertises code, hosting and data in Poland, the privacy policy commits only to the EEA, and the marketing site itself is served from United States infrastructure
- The detailed terms live in the Formularz Zamówienia and the OWU, which are not publicly reachable because the /umowa path is blocked in robots.txt, so the binding conditions cannot be read before making contact
- The contracting party is Codentra sp. z o.o. in Świdnica while the domain is registered to DPC RENT sp. z o.o. in Gdańsk; these are companies of the same group, but the site publishes no explanation of the arrangement
- Two launch years circulate, 2024 on the publisher's site against 2026 on the product's own Opinie page, two different phone numbers appear across pages, and the animated dashboard figures on the home page are a demonstration rather than real data
Setup & Integrations
Technical difficulty
Low for the accounting side, higher for integrations. Account creation is announced as a matter of minutes, with no payment card and no technical staff, and a step-by-step wizard covers the practice's details and default tax settings. The client base imports from CSV or another system, with historical data processed in the background. Nothing is installed: an up-to-date browser with JavaScript and an active e-mail address suffice, and migration, deployment and team training are announced at no extra cost. Only two steps are genuinely technical: connecting a qualified certificate for JPK, KSeF and ZUS filings, and integrating the API.
Deployment
Integrations
Supported languages
Behind Contivo
Resources
All the official URLs gathered for verification and reference.
Alternatives
Tools that compete with or complement Contivo.
Frequently asked questions
What does AI-native actually mean here?
How much does Contivo cost?
Is there a free trial?
How does automatic posting work?
Which employment contracts does payroll handle?
Can one account manage several companies?
Is API access charged separately?
Can I migrate from Optima, Enova or Symfonia?
Does the system connect to my bank automatically?
Who is responsible for the personal data, and what happens if I leave?
Should you pick Contivo?
Contivo makes a narrow, legible promise: automate Polish bookkeeping data entry while keeping the accountant in control. The design backs that up. Four autonomy levels per input channel, a per-channel amount ceiling, a 90% confidence threshold and a decision queue mean nothing reaches the books unaccepted, and eleven control rules audit the ledgers continuously rather than at year end. Nine modules, three bookkeeping regimes and the full set of Polish administrative connections sit behind a single login. The commercial model is equally readable: 9 PLN net per client served, per month, everything included, with no per-seat or per-module surcharge. The catch is the 299.99 PLN monthly floor, which reverses the arithmetic for a small practice, since below roughly 33 clients you pay the floor and not the headline. Two pages of the site even compute the same scenario differently, which is worth raising before signing. The remaining caution is about maturity and disclosure. By the publisher's own account Contivo was made available in 2026, and there are no published customer references, no security certification, no quantified availability commitment and no named sub-processor. Three questions deserve a written answer before any contract: whether customer documents are used to train AI models, who the sub-processors actually are, and where the application is really hosted, since the privacy policy commits only to the EEA while the publisher's own site advertises a fully Polish stack. None of that disqualifies a product this focused, and the 30-day trial with no card and no commitment is the cheapest way to test the claims on real documents. Contivo is best read as a promising, well-scoped system whose contractual and security disclosures still have to catch up with its engineering.
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