Acubiz

Denmark · www.acubiz.com · 38 vendors

Visma Acubiz is a fintech SaaS company that provides cloud-based expense management solutions for businesses. Their platform automates the handling of employee expenses, travel expenses, mileage reimbursement, invoice management, and time registration. This helps companies streamline administrative processes, reduce transaction costs, and boost efficiency.

Resilience scores

Disruption prediction

Acubiz has an estimated 17% probability of disruption in the next 6 months.

13 of Acubiz's 38 vendors monitored for disruptions.

Technology vendors

Services catalogue

1 service in catalogue across 1 category; runs on 38 sub-vendors.

Insights

Last updated 2026-09-13 · revision 6

38 direct vendors, 429 subvendors

Direct vendors by controlling owner country (sample)

Subvendors by controlling owner country (sample)

Migration Readiness: 6/10

Assessed by AI based on technology stack characteristics (cloud-native vs legacy, containerization, microservices), regulatory environment, data residency requirements, financial stability, and vendor lock-in risks. The score ranges from 0-10, where higher scores indicate better readiness for technology migration.

Acubiz exhibits medium migration readiness. A key strength is its core offering as a 'Cloud-based SaaS' platform, indicating a modern and likely flexible architecture that is more amenable to migration. The use of modern technologies such as Generative AI, native mobile apps, and extensive REST API/ERP integrations further suggests a modular and adaptable system. Consistent revenue growth provides the financial stability to fund potential migration initiatives. Established GDPR compliance means data privacy aspects of migration are understood and managed within the EU/EEA framework. However, several challenges temper readiness. The 'Total Services: 103' from vendors, even with geographic diversity, suggests a potentially complex ecosystem of integrations and dependencies that could complicate migration efforts. The 'Vendor Lock-in Risk: Unknown' is a critical factor; if there are significant dependencies on specific vendors, migration could be costly and time-consuming. The unknown compliance status for SOC2 and ISO 27001, along with the pending NIS2 assessment, means that new security and operational requirements could emerge during a migration, adding unforeseen complexity and cost. While GDPR is managed, any migration involving new cloud providers or regions would require careful consideration of existing data residency requirements within the EU/EEA.

Compliance

4 in-scope frameworks identified; showing 3.

NIS2 (source) — Assessment Required

Acubiz operates in the digital services sector (expense management SaaS) in the EU and appears to exceed size thresholds (part of Visma Group with significant operations). NIS2 applies to Important Entities including digital providers. However, specific sector classification and exact size metrics need verification to determine definitive applicability.

Evidence: https://acubiz.com/, https://www.visma.com/trust-centre/

GDPR (source) — Compliant

Acubiz is headquartered in Denmark (EU member state) and processes personal data of employees, customers, and suppliers. They have a comprehensive privacy policy, appointed Data Protection Manager (Rebecca Løssl), and demonstrate GDPR compliance through their privacy practices. As an EU-based company processing personal data, GDPR compliance is mandatory and they appear to have proper frameworks in place.

Evidence: https://acubiz.com/legal/privacy-policy/, https://acubiz.com/legal/

SOC 2 (source) — Assessment Required

As a SaaS provider handling sensitive financial data, SOC2 compliance would be expected for customer assurance and competitive positioning. However, no public evidence of SOC2 reports or certifications was found, creating potential risk for customer trust and compliance requirements.

Evidence: https://www.visma.com/trust-centre/

Financials

Three-year financials

Financial Resilience Score: 8/10

Acubiz exhibits strong financial resilience based on the available data: Consistent Profitability: The company has consistently generated positive and growing EBIT/Operating Income over the past three years. This indicates a healthy core business capable of covering its operational costs and generating surplus. Stable Revenue Growth: Continuous year-over-year revenue growth, even if moderate, points to a stable market position and successful customer acquisition/retention strategies. This reduces vulnerability to market fluctuations. Increasing Equity Base: A growing equity base signifies that the company is retaining earnings and strengthening its balance sheet. This provides a buffer against potential future losses or unexpected expenses and reduces reliance on external debt. Software-as-a-Service (SaaS) Model: While not explicitly detailed in the numbers, Acubiz operates a SaaS model. This typically implies recurring revenue streams, which inherently contribute to greater financial stability and predictability compared to project-based or one-off sales models. Absence of Red Flags: There are no immediate red flags such as declining revenues, negative operating income, or rapidly diminishing equity that would suggest financial distress. The primary limitation to a perfect score is the lack of detailed information on debt levels, cash flow from operations, and liquidity ratios, which would provide a more comprehensive picture of short-term financial health and leverage. However, based on the available profit and loss and balance sheet indicators, Acubiz appears to be in a robust financial position.

Key strengths: Consistent Profitability, Stable Revenue Growth, Increasing Equity Base, Software-as-a-Service (SaaS) Model

Risk factors: Lack of detailed information on debt levels, Lack of detailed information on cash flow from operations, Lack of detailed information on liquidity ratios

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