✓   The services are suitable for all banks’ customers.

Your reliable partner for invoicing in Finland and within the EU

Invoice without Business ID Become an entrepreneur
Invoice with your own Business ID

Compare services and choose the one that suits you best

Could I become an entrepreneur? – webinar

Free webinar on Thursday 3 September at 2:00–3:35 pm (in Finnish)
Ilmarinen’s webinar gives you a clear overview of the first steps into small-scale entrepreneurship! An expert from the OP Light Entrepreneur service will also take part.

OP Light Entrepreneur
Without Business ID

Invoice without your own company.

  • Agree on a job and send an invoice – we handle the rest
  • Liability and group accident insurance as well as legal debt collection are included in the service
  • Suitable for those over 15 years of age

Service charge 5% + Assurance 2,5%
Read more about Assurance

Register

Get to know OP Light Entrepreneur without Business ID

OP Light Entrepreneur
(With Business ID)

Invoice with your own Business ID.

  • Take advantage of the tax benefits and deductions that come with your own Business ID
  • We handle accounting, tax returns and tax payments for you
  • Suitable also for existing sole traders and licensed operations

Service charge 5% + VAT on your invoicing
No additional fees, no other costs whatsoever

Register

Get to know OP Light Entrepreneur

How to get started with OP Light Entrepreneurship

1. Register for free
Choose the service that suits you and start light entrepreneurship in just a few minutes.
2. Invoice with ease
Create and send invoices effortlessly – in Finland and within the EU.
3. Get paid instantly
When your customer pays the invoice, the money is transferred to your account without delay.
4. Skip the paperwork
Focus on what you do best, we take care of the rest 🧡
✓   For new and existing companies
50,000+
business IDs established

✓   Easy and free of charge
1.5+ million
invoices sent

✓   Fast customer service
175,000+
resolved issues
✓   Inspiring entrepreneur stories
Join skilled professionals
We handle paperwork for over 590 industries and sectors

User experiences
of the OP Light Entrepreneur services

Read user experiences

Charlotte Nyman Stable worker

I never thought I would become a light entrepreneur doing horse-related tasks alongside my other job. I was really nervous about starting to use…

Charlotte Nyman
Stable worker

I never thought I would become a light entrepreneur doing horse-related tasks alongside my other job. I was really nervous about starting to use an invoicing service. That was unnecessary. Using the service has been smooth and easy. I have always received quick help with problem situations via chat and have always had friendly service. I think it's great that I don't have to worry pointlessly, as OP Light Entrepreneur takes care of everything for me. I will continue to use the service.

Heidi Photographer

The OP Light Entrepreneur service makes entrepreneurship really easy in terms of invoicing and accounting! I especially like the fact that the s…

Heidi
Photographer

The OP Light Entrepreneur service makes entrepreneurship really easy in terms of invoicing and accounting! I especially like the fact that the site is clear and easy to use. In addition, information on current issues and reminders keep me up to date. The site also has a ready-made answer to almost any question, and if I need more detailed instructions, I have always received quick answers via chat. The pricing of the service is reasonable and really clear! So if you are considering light entrepreneurship, I can warmly recommend the OP Light Entrepreneur service!

Anna Sofia Graphic designer and illustrator

I started as a part-time entrepreneur in 2018 through the OP Light Entrepreneur service. Before that, I had used invoicing services, but becomin…

Anna Sofia
Graphic designer and illustrator

I started as a part-time entrepreneur in 2018 through the OP Light Entrepreneur service. Before that, I had used invoicing services, but becoming a private trader started to attract me when I realised that it was more financially profitable for me and perhaps also made my brand image as a designer more professional.

I didn't expect how easy it would be to become an entrepreneur through the OP Light Entrepreneur service. Invoicing through the service is very convenient and I don't have to know how to handle accounting on my own, for example, which was a pain to think about in advance.

I like the fact that the service reminds me of accounting and tax-related tasks and dates. I have also found the articles in the service useful, for example regarding entrepreneur taxation. In case of problems, I have always received quick help from customer service.

Joel Farrier

I started as a private trader in July 2024. I initially used the accounting of another invoicing service, but it didn't meet my needs, so I ende…

Joel
Farrier

I started as a private trader in July 2024. I initially used the accounting of another invoicing service, but it didn't meet my needs, so I ended up switching to the OP Light Entrepreneur service. I had heard nothing but good things about your light entrepreneur service, so I switched to it without hesitation and I have been totally satisfied with my decision and the service I received from you. Your service is perfect for a beginning entrepreneur, as it is relatively simple to use and in case of problems, you can get help very quickly and effortlessly via chat. My company offers horse shoeing services and I have found that invoicing my customers and adding receipts to accounting in your service has worked flawlessly.

Hanna Viita Nurse, aesthetic injection treatments

I started as an entrepreneur (and immediately as a light entrepreneur) in March 2025, and entrepreneurship was completely new to me. I have rece…

Hanna Viita
Nurse, aesthetic injection treatments

I started as an entrepreneur (and immediately as a light entrepreneur) in March 2025, and entrepreneurship was completely new to me. I have received a lot of good advice on entrepreneurship through your chat service, even though things have had to be explained in simple terms for me. As a result of these long-term chat sessions, I have come to realise that no matter how small my questions about taxes or payments are, I don't have to feel embarrassed.

Compare services

OP Light Entrepreneur Without Business ID OP Light Entrepreneur Working solo as a private trader
Business ID You don't need your own Business ID You operate with your own Business ID You set it up and register it yourself
Sending invoices Included in the service Included in the service Done by the trader, requires your own invoicing software
Accounting Not required We handle it for you Done by the trader, or according to the accountant’s charges
VAT and tax returns Not required We handle it for you Done by the trader, or according to the accountant’s charges
Paying taxes We pay your taxes according to your tax card We pay your prepayment taxes according to your tax rate Self-reported and paid
Debt collection Legal debt collection included in the service Legal debt collection included in the service Done by the trader
Insurance Liability insurance and group accident insurance are included in the service Available through the service Acquired by the trader from an insurance company
Invoicing abroad Yes, to EU countries Yes, to EU countries Done by the trader (incl. recapitulative statement)
Open a comprehensive comparison table on light entrepreneurship in its entirety
OP Light Entrepreneur Without Business ID OP Light Entrepreneur Working solo as a private trader
Recording expenses Through your own tax return Yes Through one's own accounting
5 % Entrepreneurial deduction in taxation No Yes Yes
Income handled As a salary As business income As withdrawals for private use
YEL pension Insurance Available through the service Available through the service Done by trader
Product retail No Yes Yes
Suitable for licensed activities No Yes, e.g. for healthcare professionals Yes
Possibility of startup grant No Yes, before establishment Yes, before establishment
Possibility to register in the Trade Register No Yes Yes
Using a corporate account Not required May be required by your bank May be required by your bank
Age limit 15 years 18 years 15 years
OP Light Entrepreneur Without Business ID OP Light Entrepreneur