Case · Taller Ruiz, joinery, 22 people
Accountants & advisers · San Sebastián · since 2012
Know where your money goes.
We keep the books, taxes, payroll and wealth plans of 340 small businesses and the people who run them. One team, a fixed monthly fee and a one-page report on the 5th working day of every month.
4.9/5 · 212 client reviews
340 businesses trust us with their numbers
- Member firm · Guild of Certified Advisers
- Gold partner · Kontu Cloud
- Data protection audited · 2026
Where a year goes
Where does a year of your revenue go?
Pick a business like yours and move three sliders. The river splits every euro that comes in: what the work costs, what running the place costs, the tax on what’s left, and what’s yours.
| Cost of sales | €28,800 |
|---|---|
| People | €105,840 |
| Premises | €15,120 |
| Everything else | €30,240 |
| Tax (illustrative 25%) | €15,000 |
| Yours | €45,000 |
Of every €100 that comes in, yours
€19
Set aside each month for tax
€1,250
Left for you each year, after tax
€45,000
Assumptions and maths (illustrative, editable)
Profit before tax = revenue − cost of sales − running costs. Tax is a single illustrative rate on positive profit; with a loss there is no tax and the river shows where the gap has to come from. Running costs split into people, premises and everything else according to the business type.
Illustrative figures for a template, not advice. Rates and rules depend on your country and structure. Edit them in data/river.json.
How we work
We’re accountants who explain. Every month you get three numbers, one page and a person who picks up the phone. No jargon, no surprises in June and no products to sell you.
Maite Arrieta & Jonas Kohl, founding partners
Services
Everything a small business needs.
Take one or all of them. Each has a fixed price and a named person responsible for it.
Results
Numbers you can check.
- active clients
- 340
- working days to close the month, on average
- 4.6
- returns filed on time in 2025
- 99.7%
- clients still with us after 3 years
- 92%
Fictional, illustrative template figures. Replace with your own.
Industries
We know your trade.
How we start
Four steps, then you stop thinking about it.
- 01
A 30-minute call
Free. You tell us how the business works, what worries you and what you have today. We tell you whether we can help and what it would cost, in writing, within 24 hours.
Day 1
- 02
Clean-up and set-up
We collect the files from your previous adviser, connect bank, cards and till and bring everything up to date. You sign two authorisations and keep working.
Weeks 1–3
- 03
The first close
On the 5th working day you get the first page: what came in, what went out, what’s left and how much to set aside for tax. After that, the same every month.
Month 1
- 04
A plan every quarter
An hour every three months to look ahead: tax, cash, prices, hiring and how you pay yourself. Decisions end up written on one page.
Every quarter
Clients
In their words, not ours.
-
★★★★★
“We used to find out in June how the year had gone. Now I know on the 5th of every month, and the tax money is already in its own account.”
Kerem AydınKalaka, restaurant · client since 2019
-
★★★★★
“Lucía spotted that our main supplier was charging us for delivery twice. That one email paid for a year of bookkeeping.”
Ama BoatengHostoberde, plant shop · since 2021
-
★★★★★
“I priced kitchens from memory for fifteen years. The first margin report was uncomfortable. The second one was much better.”
Tomás RuizTaller Ruiz, joinery · since 2025
Pricing
Fixed fee. No hours.
Illustrative prices, excluding VAT or sales tax. Packages scale with transactions and people on payroll.
Questions
What people ask.
Do you work with businesses outside Spain?
Yes, remotely, for bookkeeping, cash forecasting and owner planning. For another country’s taxes we work with a trusted local firm and coordinate it for you.
What does it cost to switch from my current accountant?
Nothing extra on Growth and Director. On Essentials, catch-up work is quoted separately if more than three months are outstanding.
Which software do you use?
Whatever you already use, if it works. If not, we propose a cloud tool and set it up. The books are yours and you can take them with you at any time.
Do you take commissions on financial products?
No. Wealth planning has a fixed fee and we don’t sell insurance, funds or loans.
How quickly do you reply?
The same working day if you write before 15:00. Every client has a named person with a direct line.
What if I only need my annual return?
We do it as a one-off from €290. We’ll show you what a monthly close would give you, without any pressure.
Book
Let’s talk about your numbers.
30 minutes on video or at our office. Free, without commitment, with someone who knows your trade.