Swiss compliance layer

Swiss compliance software for SMEsthe rules live in code

A generic AI guesses; Numezis checks, blocks and proves. Every invoice, entry and payslip passes deterministic Swiss controls before it is written, and every obligation is closed only with proof from the authority or the bank.

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Checks before writing
Proof or nothing
Data hosted in Switzerland

By what you need

What you expect from a compliance layer

Three needs come up with every SME owner and every fiduciary: never miss a deadline, never issue a non-compliant document, and be able to show everything to the auditor without digging.

An entry refused in a locked VAT period

On 2 November 2026, the agent of Atelier Rhône Sàrl, a demo SME in Sion, tries to post a supplier invoice of CHF 2’430.00 dated 31 August. The third VAT quarter has already been filed and locked. The compliance layer refuses the entry, explains why and proposes posting it on 1 November with a correction in the next VAT return.

The agent prepares the document, but the coded Swiss controls decide whether it can be written.
The refusal is deterministic: same input, same result, however the request to the agent is phrased.
The reason for the block cites the rule and the period concerned, so the person in charge decides with full information.
Reopening a period requires a written reason and an approval, and stays recorded in the company history.

Numezis · Compliance · Control layer

Numezis agent

Understands the request and prepares the document

Business modules

Sales · Purchases · Accounting · VAT · Payroll

Swiss controls

Decide before any write, without exception

VAT Act art. 26Rate 8.1 %Valid UIDOpen periodProof required

Entry refusedBlocked

Supplier invoice31.08.2026

Amount incl. VATCHF 2’430.00

VAT period Q3 2026 filed and locked on 28.10.2026

The agent proposes posting on 01.11.2026 with a correction in the Q4 return.

Swiss controls

Six Swiss safeguards, always on

These controls are not instructions given to a language model. They are written into the Numezis code and apply to the agent exactly as they apply to people, on every single write.

Mandatory mentions on every VAT invoice
VAT Act art. 26 requires the supplier with its VAT number, the recipient, the date, the service, the consideration, the rate and the tax amount. Numezis refuses to issue if a mention is missing.
Blocked
VAT rate resolved, never guessed
The Swiss rates of 8.1 %, 2.6 % and 3.8 % are resolved by a deterministic capability from the service and the date, then return consistency is checked before filing.
Automatic
Closed period, entry refused
A filed or closed period is locked. Reopening requires a reason, an approval under segregation of duties, and stays traced, in line with the principles of CO art. 957 to 958f.
Blocked
Proof required to close an obligation
An obligation becomes received only with the authority receipt, and paid only with a camt.054 bank notification or an imported proof. Without proof, it stays open.
Proof required
10-year retention, fail-closed
CO art. 958f and VAT Act art. 70 require ten years of retention. Numezis refuses to delete any accounting document before the end of that period, even when the agent asks.
Blocked
Sensitive writes wait for approval
Payments, payroll, reopenings and filings wait for approval according to the company policy, with segregation of duties between the person who prepares and the person who approves.
Approval required

One record, the whole journey

From the invoice to the audit file

Compliance is not a separate module: it follows each document end to end, from the sale to the audit, through accounting, VAT and the obligations calendar, with the same rules at every step.

Everything inside the compliance layer

Nine building blocks that turn Swiss rules into concrete software behaviour, for the SME that wants peace of mind and the fiduciary that follows dozens of client mandates.

Deterministic controls

Every entry passes coded controls at the moment it is made: mentions, rates, identifiers, period, amounts. The result does not depend on how a request is phrased, it depends on the rules.

Obligations calendar

13 Swiss obligation templates build the company calendar from its VAT method, payroll, canton and financial year: VAT, AHV, LPP, withholding tax, direct taxes and annual accounts.

Proof or nothing

An obligation is never ticked by hand. It is received with the authority receipt, paid with the bank proof, and the gap between the two stays visible for as long as it exists.

Native Swiss VAT

Effective method, net tax rate and flat rate, rate resolution, transaction validation, return consistency and eCH-0217 export: Swiss VAT is an engine in Numezis, not a free-text field.

Period lock

A filed or closed period is locked. Reopening needs a reason and an approval and leaves a trace, so the figures sent to the tax authority or the auditor never change silently.

History of every entry

Who prepared, who approved, which control passed or blocked, and when: every action by the agent and by people is traced and visible from the document itself.

An AI agent with guardrails

The agent prepares invoices, entries and returns, but it goes through the same controls as you do. Sensitive writes wait for your approval on the web, Teams, WhatsApp or Slack.

Works with your tools

The compliance layer also applies when Numezis works inside bexio, Abacus or Odoo, with no migration: your data stays where it is and the Swiss controls are added on top.

Alerts before the deadline

Deadline approaching, proof missing, overdue: alerts reach the right person with what needs doing, and the agent can prepare the return or the payment for approval.

The guide

A compliance guide for Swiss SMEs

Compliance for a Swiss SME is more than VAT. It covers bookkeeping under the Code of Obligations, social insurance, withholding tax, document retention and the statutory audit. Here is what you need to know and how software can genuinely help.

What is compliance software for a Swiss SME?

Compliance software for a Swiss SME does more than remind you of dates. It applies the rules at the moment a document is created: an invoice without a VAT number does not go out, an entry in a filed period is refused, an obligation cannot be closed without proof. The difference with a checklist is simple: a checklist depends on everyone’s discipline, software still works on a Friday evening at quarter end.

In Numezis this layer sits between the AI agent and your data. The agent can prepare a hundred invoices or allocate a full bank statement, yet each entry goes through the same coded Swiss controls. That is what separates a generic AI tool, which produces plausible text, from business software that produces entries valid under the Code of Obligations and the VAT Act.

Which legal obligations must a Swiss SME follow?

A typical company with 20 to 150 people follows at least: the VAT return (quarterly under the effective method, half-yearly under the net tax rate), advance payments and the annual salary declaration to the AHV compensation fund, LPP contributions under the pension fund rules, UVG accident insurance, monthly withholding tax for the employees concerned, cantonal and federal direct taxes, and annual accounts to approve within six months.

On top of that come proper bookkeeping (CO art. 957 ff.), keeping documents for ten years (CO art. 958f), salary certificates and, depending on size, a limited or full statutory audit. Numezis generates these obligations from 13 Swiss templates according to your profile: VAT method, canton, headcount and financial year.

Why a generic AI is not enough for compliance

A general-purpose chatbot can explain Swiss VAT, sometimes correctly. It can also invent a rate, forget that the standard rate moved to 8.1 % in 2024, or mix up the effective method and the net tax rate. For an explanation that is annoying; for an issued invoice or a posted entry it is a potential tax adjustment.

Numezis separates the roles. The agent understands the request, finds the documents and prepares the work. The Swiss rules are deterministic capabilities: rate resolution by service and date, transaction validation, return consistency, mention checks. The same case always gives the same result, and every block states its reason. The principle fits in one sentence: the rules live in the code, not in the prompt.

How do you prove that an obligation was met?

During an inspection by the Federal Tax Administration, the AHV fund or the cantonal tax office, a tick in a spreadsheet proves nothing. What counts is the filing receipt from the authority and the proof of payment. Many SMEs discover a delay only when the reminder arrives, because a task marked as done was only half done.

Numezis applies the proof-or-nothing rule. An obligation becomes received only when the authority receipt is attached, and paid only when bank proof exists, for example a reconciled camt.054 notification. While a proof is missing, the obligation stays visible as incomplete. For a fiduciary this gives a reliable view across all mandates, without chasing every client to find out whether the return really went out.

Compliance and the statutory audit

A company limited by shares or a limited liability company needs a full audit once it exceeds, in two consecutive years, two of the three thresholds of CO art. 727: a balance sheet total of CHF 20 million, revenue of CHF 40 million, 250 full-time positions. Otherwise a limited audit applies, which small companies with no more than ten full-time positions may waive with the consent of all shareholders.

In every case the auditor wants complete books with integrity. Numezis locks closed periods, hash-chains entries on the Swiss CO profile, keeps documents for ten years and gives the auditor read-only access. The closing pack gathers pre-checks, accruals, depreciation and the notes to the accounts.

Frequently asked questions about Swiss compliance

What SME owners and fiduciaries ask most often before entrusting their compliance to software with an AI agent.

Can the AI agent bypass the compliance rules?

No. The agent never writes directly into your data: it calls the same operations as the interface, and each of them goes through the coded Swiss controls. If an invoice lacks a VAT Act mention or a period is locked, the write is refused, whether the request comes from a person or from the agent. Sensitive writes also wait for approval under your policy.

Which Swiss rules are covered?

VAT (VAT Act art. 26 mentions, rates, effective, net tax rate and flat-rate methods, eCH-0217 export), bookkeeping and retention under the Code of Obligations, the QR-bill under the SIX Swiss Payment Standards, the UID, social insurance and withholding tax for payroll, and the calendar of tax and social security obligations. Coverage grows with every release.

Does Numezis replace my fiduciary?

No, and that is not the goal. Fiduciaries are Numezis partners. The compliance layer takes the mechanical checking of documents off their desk and gives them a view across every mandate: deadlines, missing proofs, locked periods. Advice, tax judgement and signing off the accounts remain their profession, with cleaner files to work from.

Where is the data hosted?

The application and the data are hosted in Switzerland, in Geneva and Zurich. Processing follows the revised Federal Act on Data Protection. Accounting documents are kept for ten years under CO art. 958f, and deletion is refused before that period ends. Access is limited by role, and the auditor can receive read-only access to one specific financial year.

Can I keep bexio, Abacus or Odoo?

Yes. Numezis works inside bexio, Abacus and Odoo without migration. The agent reads and prepares documents in your tool, and the Swiss controls apply before every write. You gain the obligations calendar and the proof rule without changing your accounting software, and you can move to the full platform later if you wish.

What is the public corpus of compliance answers?

On the /compliance page, Numezis publishes thousands of answers to Swiss compliance questions on VAT, payroll and cantonal taxes, each grounded in cited official texts. It is the same knowledge base that informs the agent. You can consult it freely to check a rule before you decide, and every answer links to its legal source.

Put Swiss rules into your administration

Start free with the obligations calendar and invoice controls, then add accounting, payroll and audit readiness at the pace of your company.