Factusol vs Qonto: Complete Comparison (2026)
An in-depth comparison of Factusol and Qonto to help you choose the right tool for your business.
Last updated: November 2026
Factusol
6.4/10
Windows invoicing and stock-management software from TeamSystem (Software DELSOL) for Spanish SMEs. It covers quotes to invoices, warehouses, collections, and VERI*FACTU compliance.
Qonto
6.4/10
Qonto is a European online business account for freelancers and SMEs, combining a local IBAN, payment cards, transfers, invoicing, and expense tools.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 6.4/10 | 6.4/10 |
| Scalability | 5/10 | 6/10 |
| Analytics | 5/10 | 5/10 |
| Compliance | 8/10 | 6/10 |
| Integration | 5/10 | 8/10 |
| Security | 6/10 | 6/10 |
| Support | 6/10 | 5/10 |
| Cost | 8/10 | 6/10 |
| Customization | 7/10 | 5/10 |
| Ease of Use | 6/10 | 8/10 |
| Pricing | ||
| Free plan | No | No |
| Cheapest paid plan | €21/mo Nube (Cloud), Digital support | €9/mo Basic |
| Estimated cost for 10 users | €27/mo Local installation | €49/mo Essential |
| Features | ||
| Bank Reconciliation | ||
| Invoicing | ||
| Accountant Access | Not listed | |
| Accounts Payable | Not listed | |
| Corporate Cards | Not listed | |
| Expense Management | Not listed | |
| General Ledger | Not listed | |
| Inventory Accounting | Not listed | |
| Tax Compliance | Not listed | |
Factusol vs Qonto cost by team size
Qonto costs less at 1 user; Factusol costs less from 5 users.
| Team size | Factusol | Qonto |
|---|---|---|
| 1 user | €21/moNube (Cloud), Digital support | €9/moBasic |
| 5 users | €27/moLocal installation | €49/moEssential |
| 10 users | €27/moLocal installation | €49/moEssential |
| 25 users | €27/moLocal installation | €49/moEssential |
| 50 users | €27/moLocal installation | €49/moEssential |
The plan that fits each team size, billed monthly, before add-ons and usage charges. Each cost opens that tool's pricing calculator for the team size.
Which One Should You Choose?
Why choose Factusol
- Lower estimated cost for 10 users: €27/mo vs €49/mo
- Higher Compliance score (8/10 vs 6/10)
- Higher Cost score (8/10 vs 6/10)
Why choose Qonto
- Higher Integration score (8/10 vs 5/10)
- Higher Ease of Use score (8/10 vs 6/10)
- Better fit for freelancers (9/10 vs 4/10)
Pros & Cons
Factusol
Pros
- Strong stock management, with multiple warehouses, lot and serial traceability, sizes and colours, and automatic supplier orders.
- Already adapted to VERI*FACTU, with TicketBAI and Factura-e support for Spanish compliance.
- Low entry price, from about 21 EUR per month in the cloud.
- Multi-company and multi-year operation, with per-user access control.
- 30-day free trial in both local and cloud versions.
Cons
- Accounting is not included and needs the separate ContaSOL product.
- Runs natively only on Windows, and the mobile app is for viewing only.
- No longer free, which is a common complaint from long-time users.
- Phone support costs considerably more, about 51 to 71 EUR per month according to reviewers.
- Users report a learning curve because of the many options.
Qonto
Pros
- Low entry price: the Basic solo plan costs €9 a month, and every plan has a one-month free trial with no commitment.
- Team plans include unlimited users, so costs do not rise with headcount.
- A large integration directory covers DATEV, Sage, Tiime and Stripe, plus Zapier, Make and a public API.
- Accountants get unlimited access from the Smart plan, which makes bookkeeping handoffs easier.
- Reviewers on G2 and Capterra praise the interface and quick onboarding.
Cons
- Reviewers often report account freezes during compliance checks that hold funds for days.
- Support is described as slow or generic when an issue is complex.
- International transfers cost 0.56% to 1.8% with a €5 minimum, which adds up for businesses that pay in many currencies.
- Qonto is a payment institution, not a full bank, and offers no broad lending products.
- There is no full general ledger or financial statements, so a separate accounting tool is still needed.
Not sold on either?
Frequently Asked Questions
Factusol and Qonto both score 6.4/10 on our Finance Software criteria. The largest gap is in Integration: 5/10 for Factusol and 8/10 for Qonto.
Factusol costs less for 10 users: about €27/mo on its Local installation plan, against about €49/mo on its Essential plan for Qonto, billed monthly.
No, neither Factusol nor Qonto lists a free plan.
Qonto is the better fit for freelancers: we rate it 9/10 for them, against 4/10 for Factusol.
