Dinero Due Diligence

Run due diligence on Dinero: check compliance and get alerts when suppliers change.

Denmark · www.dinero.dk · 11 vendors

Dinero is a cloud-based accounting system designed for small and medium-sized businesses in Denmark. It simplifies financial management through features like automated bookkeeping, invoicing, VAT management, and bank reconciliation. The platform aims to make accounting accessible even without prior knowledge of accounting rules.

Resilience scores

Digital Sovereignty: 0
Digital Resilience: 7
Financial Resilience: 8

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Services catalogue

4 services in catalogue across 4 categories; runs on 11 sub-vendors.

Personal Data Processing
Accounting software
integration

Insights

Last updated 2026-09-13 · revision 1

11 direct vendors, 131 subvendors

Direct vendors by controlling owner country (sample)

United States: 8
Denmark: 2
Singapore: 1

Subvendors by controlling owner country (sample)

Denmark: 2
Belgium: 3
Germany: 2

Compliance

10 in-scope frameworks identified; showing 3.

Financials

Three-year financials

2023:
2022:
2021:

Financial Resilience Score: 8/10

Visma Dinero ApS benefits from very strong financial resilience primarily due to its ownership by Visma Group, one of Europe's largest privately-held SaaS groups with approximately €2.8bn in revenue in 2023. This parent backing provides access to capital, shared infrastructure, and effectively eliminates standalone insolvency risk. The business model generates recurring SaaS revenue from a broad and granular customer base of self-employed and micro-businesses in Denmark, reducing customer concentration risk. The company also benefits from a significant regulatory tailwind: Denmark's Bookkeeping Act (Bogføringsloven, 2022) mandates digital bookkeeping for most Danish companies between 2024–2026, driving structural demand for cloud accounting solutions like Dinero. Deep integrations with 150+ third-party services (POS, payments, webshops, payroll, banks) increase switching costs and customer stickiness. However, standalone risks include intense competition in the Danish SME accounting market (including sibling brand e-conomic, Billy, Uniconta, Ageras, and international players), full concentration in a single small market with no geographic diversification, and a price-sensitive customer base with historically strong freemium expectations. Related-party dependence on Visma for shared services and possibly financing means standalone financial ratios may be distorted by transfer pricing and group cost allocations.

Key strengths: Wholly-owned subsidiary of Visma Group (~€2.8bn revenue in 2023), Recurring SaaS revenue with broad, granular customer base, Regulatory tailwind from Danish Bookkeeping Act (2022), 150+ third-party integrations increasing switching costs, Registered as approved digital bookkeeping system with Erhvervsstyrelsen, Strong brand recognition with 100,000+ active users

Risk factors: Highly competitive Danish SME accounting market, 100% concentration in single small market (Denmark), Price-sensitive customer base (self-employed and micro-firms), Related-party dependence on Visma for shared services and financing, Freemium expectations from historical free tier offering, Internal competition with sibling brand e-conomic

Revenue by geography

Denmark: 100%

Workforce by country

Denmark: 75

Signed-in users can see whether their own company is exposed to this vendor's disruption, plus the full sub-vendor list and country breakdowns, every in-scope compliance framework plus gaps and next steps, and alerts when any of it changes.

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