Quartal Accounting Software
Quartal Accounting Software Oy was founded in January 2024 by Olli Perttilä, one of the original founders of Quartal Oy and Markus Kettunen, the founder of Laskupiste Oy. Its purpose is to redefine the Financial Management Software in the era of Artificial Intelligence.
Our Team
We are looking for new people and partners to take our amazing product quickly to a completely new level. If you are a specialist in Artificial Intelligence, Agent based systems, Financial Management or modern technology in general, please give us a call!
Markus Kettunen
CEO
- 25+ years of software development
- 10+ years of Laskupiste.fi: founder, design and programming
- Lead developer / architect in several services, e.g. Yle Areena
- 20 years of SaaS / cloud services, 12 with AWS
Olli Perttilä
CTO / Chairman of the Board
- 25+ years as entrepreneur and CTO
- One of the founders of Quartal
- Designed and implemented the leading White Label Payroll service in Finland: Palkkaus.fi
- 20 years of SaaS / cloud services, from SMEs to the largest banks in the world: FI, CH & Asia
Michael Malka
Engineering AI
- 25+ years in software development from hands-on development to CEO and CTO roles
- Entrepreneur from consulting to startups in different roles
- Strong technical background in computer science with AI/ML focus
Teo Gebhard
Software Architect
- 25+ years of software engineering
- Lead developer of Reuters Share Monitor at Quartal
- Software architect and lead developer at TX – Tomorrow Explored
- Expertise in distributed systems and scalable applications
Your Product, Your UI, Your Agents. Our Platform.
Our approach is different compared to all other SaaS providers in four aspects:
- Your Product: We do not sell our software directly to individual companies: Instead, we work through Partners such as Accounting companies, Software vendors (ERP, POS etc.), financial institutions and other such services. Quartal’s white label product is seamlessly embedded and integrated to Partner’s own product.
- Your UI: Our partners can customize their user interface completely to fit their product, business process and visual identity. Typically, the end-customer sees Quartal’s logo only when signing terms-of-service in the onboarding and other such legal documents.
- Your Agents: Quartal’s offering is designed ground-up based on agents: deterministic and AI agents. Partners can build their product or service by mixing agents from Quartal, created by the Partners themselves or by 3rd parties. This results to best fit to customer’s business processes because Partners know their Customers and can therefore best serve their needs.
- Our Platform: We provide the best platform for our Partners to build their Financial Management Software or services. Our platform is the most modern, easiest to integrate, with best user interfaces and ready for the AI revolution.
The base for our software stack is in Laskupiste. It is one of the most user-friendly invoicing software in Finland with sales invoices, purchase invoices, customer and product registries, bank connections and more. Markus Kettunen started the development of the software for the needs of his wife’s business already in 2015. Laskupiste as a company was founded in 2018 and it has more than 1000 active customers.
In 2024 Markus rewrote the technology stack to support white label concept where the user interfaces can be skinned to support different visuals, and all parts of the user interface may be embedded to any web site. Olli provided his insights on how to do this as he had developed his previous company Palkkaus.fi with that same white label concept. Laskupiste already had extensive Open APIs which are also very significant for integrated experience. Laskupiste is now the first Partner / white label customer of Quartal Accounting Software.
In 2025 Olli and Markus together created a modern Agent based Accounting solution and it is now being taken to production with first customers in 2026. This now makes Quartal’s solution a complete white label solution for the needs of Financial Management.
Want to know more?
Please give us a call!
To know more about Quartal Hub, the agents and plugins your firm can build on it, or Quartal Harness, Messages and IAM, give a call to Markus or Olli and we will give you a demo in Teams or face-to-face.
Quartal Hub is open for registration to early adopters: try it at hub.quartal.com. Building a plugin of your own? Start at plugin.quartal.com.