Top 10 Invoicing Software for Belgian Entrepreneurs

Choosing the right invoicing software is a strategic decision for every Belgian entrepreneur. In 2026, with mandatory B2B electronic invoicing via Peppol, this choice has become even more crucial. The market is full of solutions, but not all of them are suited to Belgian specifics: multiple VAT rates (6%, 12%, 21%), mandatory information on invoices, the VAT exemption scheme, sequential numbering, exports to your accountant, and now Peppol compatibility. This detailed comparison helps you make the right choice.

The essential criteria for invoicing software in Belgium

Belgian legal compliance

Your software must absolutely:

• Handle the three Belgian VAT rates: 6%, 12% and 21%
• Automatically include the mandatory information on invoices (art. 5 of Royal Decree No. 1 of 29 December 1992)
• Handle the VAT exemption scheme (art. 56bis CTVA) with the appropriate wording
• Support the mandatory sequential numbering of invoices
• Handle credit notes in accordance with Article 77 CTVA
• Be compatible with Peppol electronic invoicing (mandatory for B2B since 1 January 2026)
• Generate the annual listing of taxable customers (art. 53quinquies CTVA)

Practical features

Beyond compliance, good invoicing software should offer:

• Data export to your accountant (CODA, UBL, CSV, XML formats)
• Multi-currency management (for international customers)
• Payment tracking and automatic reminders
• A dashboard with financial indicators
• A mobile app for invoicing on the go
• Bank integration (automatic reconciliation)
• Quote and purchase order management
• Customisable invoice templates

The detailed comparison

1. Billtobox

Origin: Belgium (Unifiedpost Group)
Target audience: Belgian self-employed people and SMEs

Strengths: a 100% Belgian solution, free in its basic version, excellent Peppol integration, direct link with more than 3,000 accountants in Belgium. The platform also lets you receive invoices and share them automatically with your accountant.

Weaknesses: limited management features (CRM, projects), less intuitive interface than some competitors.

2. ClearFacts

Origin: Belgium
Target audience: self-employed people and SMEs (via their accountant)

Strengths: OCR recognition of invoices (scanning and automatic filing), real-time collaboration with your accountant, digital archiving compliant with Belgian legislation, native Peppol integration.

Weaknesses: only accessible via a partner accountant, less autonomy for the entrepreneur.

3. Yuki

Origin: Netherlands (very present in Belgium)
Target audience: self-employed people and SMEs

Strengths: automatic document recognition (AI), integrated accounting, automatic bank reconciliation, full management of Belgian VAT returns. Very popular among Belgian accounting firms.

Weaknesses: higher price, longer learning curve, interface sometimes complex.

4. Teamleader

Origin: Belgium (Ghent)
Target audience: SMEs and sales teams

Strengths: an all-in-one solution (CRM + quotes + invoicing + project management + time tracking), very intuitive, excellent for sales teams, integration with many Belgian tools.

Weaknesses: expensive for a sole trader, some accounting features are limited.

5. Horus

Origin: Belgium
Target audience: self-employed people and small businesses

Strengths: an affordable Belgian solution, simple interface, specifically designed for Belgian self-employed people, good handling of VAT rates and mandatory information.

Weaknesses: limited features for growing companies, no built-in CRM.

6. Facturis

Origin: Belgium
Target audience: self-employed people and micro-businesses

Strengths: very affordable, designed specifically for the Belgian market, multi-currency, intuitive interface, good handling of the VAT exemption scheme.

Weaknesses: few third-party integrations, limited reporting features.

7. Octopus

Origin: Belgium
Target audience: SMEs and accountants

Strengths: a complete accounting solution with integrated invoicing, automated VAT returns, annual accounts, balance sheet. Highly regarded by Belgian accountants. Compliant with the PCMN (Standard Minimum Chart of Accounts).

Weaknesses: accounting-oriented (complex if you are just looking for an invoicing tool), less modern interface.

8. Odoo (invoicing)

Origin: Belgium (Louvain-la-Neuve)
Target audience: SMEs and large companies

Strengths: a complete, modular ERP (invoicing, accounting, CRM, stock, HR, e-commerce, etc.), open source, highly customisable, a world-renowned Belgian company, excellent for growing companies.

Weaknesses: can be overkill for a sole trader, requires a configuration phase, price rises with the number of modules.

9. Zoho Invoice

Origin: International
Target audience: freelancers and small businesses

Strengths: very intuitive interface, automated reminders, excellent time tracking, integration with the Zoho ecosystem, good value for money.

Weaknesses: not specifically designed for Belgium, Peppol integration not native, Belgian VAT exemption support needs manual configuration.

10. Dext (formerly Receipt Bank)

Origin: United Kingdom
Target audience: self-employed people and SMEs (pre-accounting)

Strengths: excellent for expense management and digitising received invoices, advanced OCR recognition, integration with the main Belgian accounting software. Ideal alongside an invoicing tool.

Weaknesses: not strictly an invoicing tool (no invoice issuing), extra cost.

Summary comparison table

The Peppol obligation in 2026: what it changes

The legal context

The Act of 6 February 2024 introduced the obligation to use structured electronic invoicing for B2B transactions between VAT-registered businesses established in Belgium, from 1 January 2026. The mandatory format is Peppol BIS Billing 3.0.

What this means in practice

• All your B2B invoices must be sent via the Peppol network
• Your customer must also be connected to Peppol
• Paper invoices and PDFs sent by email are no longer compliant for B2B transactions between Belgian VAT-registered businesses
• Credit notes must also pass through Peppol
• B2C invoices (to individuals) are not affected by this obligation

How to connect to Peppol?

1. Via your invoicing software: if your software is Peppol-compatible, it connects to the network via a certified access point. This is the simplest solution.
2. Via the Hermes platform of the FPS Finance: a free platform offered by the Belgian government, mainly aimed at micro-businesses.
3. Via a Peppol access point: if your software is not compatible, you can go through an intermediary.

Your Peppol identifier

Every Belgian company is identified on the Peppol network by its CBE company number (format 0XXX.XXX.XXX). You do not need to register separately: your invoicing software handles this identification.

How to choose the right software for your situation?

You are self-employed as a secondary activity (just starting out)

Recommendation: Billtobox (free) or Facturis (EUR 9/month)

Priorities:

• Free or very affordable
• VAT exemption management
• Easy to use
• Peppol-compatible
• Export to your accountant

You are self-employed as your main activity

Recommendation: Billtobox, Horus or Facturis

Priorities:

• Good value for money
• Quotes + invoices + credit notes
• Payment tracking and reminders
• Peppol-compatible
• Multi-currency (if you have international customers)

You run an SME (1-50 employees)

Recommendation: Teamleader or Odoo

Priorities:

• Built-in CRM
• Project management and time tracking
• Multi-user
• Third-party integrations (bank, accounting, email marketing)
• Peppol-compatible
• Advanced reporting

You are an accountant or accounting firm

Recommendation: Octopus + ClearFacts or Yuki

Priorities:

• Complete accounting (PCMN)
• Automated VAT returns
• Client collaboration
• Multi-file management
• Full legal compliance

The real cost of invoicing software

Beyond the monthly subscription, take into account:

Tax tip: an invoicing software subscription is a 100% deductible business expense against your taxable base.

Security and GDPR compliance

Data hosting

Check where your data is hosted. For Belgian solutions such as Billtobox, ClearFacts or Teamleader, data is generally hosted in European data centres, compliant with the GDPR.

GDPR compliance

Your invoicing software processes personal data (names, addresses, VAT numbers of your customers). Make sure that:

• The software provider is GDPR compliant (Regulation 2016/679)
• A Data Processing Agreement (DPA) is in place
• Data is encrypted at rest and in transit
• The provider holds certifications (ISO 27001, for example)
• You can export and delete the data at any time

Conclusion

Choosing invoicing software in 2026 is driven above all by the Peppol obligation. Any solution that is not natively Peppol-compatible will expose you to administrative complications and potential penalties.

For Belgian self-employed people, local solutions such as Billtobox, Facturis or Horus offer the best compliance-to-price ratio. For SMEs, Teamleader and Odoo stand out with their all-in-one approach. And for accountants, Octopus and Yuki remain go-to references.

Whatever you choose, make sure the software correctly handles Belgian VAT rates, mandatory invoice information and credit notes, and that it exports data in a format compatible with your accountant.

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This article was written by the Espero-Soft team for the blog dedicated to entrepreneurs in Belgium. For personalised advice, consult your accountant or a digital tools adviser.