Best STEL Order Alternatives (2026): 10+ options compared

Holded

Cloud business management suite from Barcelona that combines invoicing, accounting, Spanish tax filing, CRM, projects and HR for small and mid-sized Spanish businesses.

• Better at: Higher Analytics score (6/10 vs 5/10)
• Better at: Higher Integration score (6/10 vs 5/10)
• Gives up: Has a free plan (Holded does not)

Scopevisio

Cloud ERP from Bonn for German-speaking mid-sized companies, combining GoBD-compliant accounting, invoice processing, DMS, CRM, HR and project billing in modules.

• Better at: Higher Security score (9/10 vs 4/10)
• Better at: Higher Scalability score (7/10 vs 5/10)
• Gives up: Has a free plan (Scopevisio does not)

Axonaut

French all-in-one management software for very small and small businesses. It combines quotes and invoicing, expenses, cash flow, pre-accounting, CRM and a business bank account.

• Better at: Higher Support score (8/10 vs 7/10)
• Better at: Higher Security score (5/10 vs 4/10)
• Gives up: Has a free plan (Axonaut does not)

Kiby

Spanish cloud ERP for self-employed workers, shops and SMEs that combines Verifactu-compliant invoicing, expenses, POS, stock, HR and CRM in modular plans.

• Better at: Higher Support score (8/10 vs 7/10)
• Gives up: Has a free plan (Kiby does not)

Zoho Books

Cloud accounting software from Zoho for small and growing businesses, covering invoicing, bank reconciliation, bills, inventory and financial reporting.

• Better at: Higher Security score (7/10 vs 4/10)
• Better at: Higher Analytics score (7/10 vs 5/10)
• Gives up: Lower estimated cost for 10 users: $40/mo vs $70/mo

sevdesk

Cloud invoicing and bookkeeping software for German freelancers and small businesses, with e-invoicing, bank sync, ELSTER VAT filing and DATEV export.

• Better at: Higher Security score (6/10 vs 4/10)
• Better at: Higher Compliance score (8/10 vs 7/10)
• Gives up: Higher Support score (7/10 vs 5/10)

Dinero

Danish online accounting program from Visma for sole traders, freelancers and small companies, covering bookkeeping, invoicing, VAT reporting and bank reconciliation.

• Better at: Higher Integration score (7/10 vs 5/10)
• Better at: Higher Security score (5/10 vs 4/10)
• Gives up: Higher Scalability score (5/10 vs 3/10)

FreeAgent

FreeAgent is UK cloud accounting software for sole traders, limited companies, partnerships, and landlords. It covers invoicing, banking, payroll, and Making Tax Digital filing.

• Better at: Higher Security score (6/10 vs 4/10)
• Better at: Higher Compliance score (8/10 vs 7/10)
• Gives up: Has a free plan (FreeAgent does not)

Moneybird

Dutch online bookkeeping and invoicing software for freelancers and small businesses, with bank feeds, VAT filing, Peppol e-invoicing and an optional business payment account.

• Better at: Higher Integration score (7/10 vs 5/10)
• Better at: Higher Security score (6/10 vs 4/10)
• Gives up: Has a free plan (Moneybird does not)

QuickBooks Online Advanced is Intuit's top cloud accounting plan. It gives growing small and mid-sized businesses up to 25 users, custom permissions, workflow automation, batch transactions and priority support.

• Better at: Higher Integration score (9/10 vs 5/10)
• Better at: Higher Security score (7/10 vs 4/10)
• Gives up: Has a free plan (QuickBooks Online Advanced does not)

Lexware Office

A German cloud tool for bookkeeping, invoicing, receipt capture, VAT filing and optional payroll, made for freelancers and small businesses.

• Better at: Higher Security score (7/10 vs 4/10)
• Better at: Higher Integration score (7/10 vs 5/10)
• Gives up: Has a free plan (Lexware Office does not)

jortt

Dutch online bookkeeping software that automates booking, VAT returns, invoicing and payroll for freelancers, sole traders and small businesses in the Netherlands.

• Better at: Higher Security score (7/10 vs 4/10)
• Better at: Higher Compliance score (8/10 vs 7/10)
• Gives up: Higher Scalability score (5/10 vs 4/10)

Pennylane

French accounting, invoicing, cash management and business account platform for freelancers, small businesses, SMEs and the accounting firms that serve them.

• Better at: Higher Integration score (7/10 vs 5/10)
• Better at: Higher Security score (6/10 vs 4/10)
• Gives up: Has a free plan (Pennylane does not)

SnelStart

Dutch online bookkeeping software for small and medium businesses and their accountants, covering invoicing, VAT returns, bank links, inventory and business banking.

• Better at: Higher Integration score (8/10 vs 5/10)
• Better at: Higher Scalability score (6/10 vs 5/10)
• Gives up: Has a free plan (SnelStart does not)

Acumatica

Acumatica is a cloud ERP covering financials, distribution, manufacturing and construction for mid-sized businesses, priced by resources used rather than user seats.

• Better at: Higher Scalability score (8/10 vs 5/10)
• Better at: Higher Integration score (8/10 vs 5/10)
• Gives up: Has a free plan (Acumatica does not)