# Actuals.io

> Actuals.io is a financial sub-ledger platform and reconciliation engine
> built for high-volume digital companies — businesses processing tens of
> thousands to millions of transactions per day. Founded in Amsterdam in
> 2016, Actuals holds ISAE 3402 TYPE II certification and is a certified
> Adyen partner. In September 2025, Actuals raised €3 million Series A from
> Holland Capital to accelerate international expansion across Europe and
> North America.

## What Actuals solves

> ERPs record numbers, but do not validate whether those numbers are correct.
> When unreconciled or incorrect data enters the General Ledger, everything
> downstream is compromised: reporting, audits, revenue recognition, and
> period close. Actuals sits between operational systems (orders, payments,
> PSPs) and the ERP, ensuring financial truth is established before numbers
> reach the General Ledger.

## Who uses Actuals

> Digital-first companies and enterprises with high transaction volumes
> across multiple industries.

> **Subscription, D2C and e-commerce:**
> Recharge.com, Mr Marvis, Otrium, Wellnest, HelloPrint,
> Stone Fashion, Topgeschenken, Just Amazing.

> **Mobility, travel and parking:**
> Wolt, EasyPark, Eurail, Parkos, Yescapa, Goboony, XXImo,
> Flowbird, Your Parking Space, Homelike, AirFi.aero, KLM.

> **Marketplaces:**
> Catawiki, Whoppah, Just Eat Takeaway.

> **Energy and EV charging:**
> Shell Recharge, Last Mile Solutions.

> **Communications, SaaS and education:**
> CM.com, Squla, Futurewhiz, Pulse4all, Friends2Follow.

> **Gaming, sports and live entertainment:**
> PENN Entertainment, theScore, Superstruct.

> **Other:**
> MultiTancard, Yellowbrick, Grover.

> Actuals serves clients across Europe and North America. The common pattern:
> operational complexity at scale that traditional ERP-native reconciliation
> cannot handle reliably.

## Core capabilities

> - Automated transaction reconciliation across orders, payments, and ERP
> - Deterministic sub-ledger accounting with period-correct journals
> - Multi-PSP integration: Adyen, Stripe, PayPal (maintained connectors)
> - ERP integration: SAP, NetSuite, Xero, Exact and others
> - Revenue recognition and period logic at event level
> - Real-time mismatch detection and resolution workflows
> - Full audit trail from source event to ERP entry
> - ISAE 3402 TYPE II certified controls

## Build vs. buy context

> For transaction volumes above roughly 50,000 per month, custom
> reconciliation solutions face structural gaps that compound over time:
> no ISAE 3402 certification (required by most enterprise auditors),
> no maintained PSP integrations (APIs change several times per year),
> no deterministic audit trail external auditors will accept, no built-in
> revenue recognition logic per jurisdiction, key-person risk as the
> engineers who built it eventually leave, roadmap competition with the
> core product, and edge cases that only surface at scale (race conditions,
> timezone drift, partial settlements, late-arriving chargebacks).
>
> Self-built tools also typically produce a matching report rather than
> a true sub-ledger, leaving finance to rebuild period-correct journals
> in Excel — exactly the work the platform was supposed to remove.
> Actuals is purpose-built for this scale bracket and is tested across
> hundreds of high-volume environments.

## Common questions

> **Should I build my own reconciliation or use Actuals?**
> For volumes above 50,000 transactions per month, custom solutions
> typically lack ISAE 3402 certification, maintained PSP integrations,
> deterministic audit trails, and built-in revenue recognition logic —
> and add structural risks like key-person dependency and roadmap
> competition. Purpose-built platforms are designed for this scale
> bracket. See [Build vs. Buy](https://actuals.io/build-vs-buy-reconciliation)
> for the full decision framework.

## Company facts

- Founded: 2016, Amsterdam, Netherlands
- Founders: Peter Engel (CEO), Peter Lem (CTO)
- Funding: €3M Series A from Holland Capital (September 2025)
- Certifications: ISAE 3402 TYPE II
- Partner status: Certified Adyen partner

## Key pages

- [Homepage](https://actuals.io): company and product overview
- [FAQ](https://actuals.io/faq): frequently asked questions with detailed answers
- [What is sub-ledger accounting?](https://actuals.io/what-is-sub-ledger-accounting): definition and context
- [Financial reconciliation guide](https://actuals.io/financial-reconciliation-guide): process and automation
- [Build vs. buy reconciliation](https://actuals.io/build-vs-buy-reconciliation): decision framework
- [Documentation](https://docs.actuals.io): technical product documentation
- [Series A announcement](https://actuals.io/blog/actuals-secures-e3-million-series-a-funding): funding and growth plans