First in Poland · AI-Native accounting systemThe first Polish accounting system built on an AI-Native architecture.
Contivo is a new generation of software for accounting firms — built around artificial intelligence from the very first line of code. It is not yet another accounting program with a bolted-on “AI” feature. It is the first system in Poland where artificial intelligence genuinely reads and posts documents, tracks deadlines and regulations, while the accountant simply approves. A modern, fully cloud-based alternative to Optima, Enova and Symfonia.
Why Contivo
- Poland's first AI-Native accounting system
- AI reads and posts documents automatically
- 100% Polish stack — code, hosting and data in PL
- Compliant with KSeF, JPK, ZUS, GDPR, tax law
- Fully cloud-based — no installs, no paid updates
Not a “program with an AI feature”. An AI-Native system.
Most accounting software on the Polish market was created before the era of artificial intelligence, with AI added later as an add-on. Contivo takes a different path: artificial intelligence is the core of the system, and we built the entire accounting workflow around it. That is a fundamental difference — and the reason Contivo is the first fully AI-Native Polish accounting system.
AI at the core, not bolted on
Artificial intelligence reads, codes and posts documents automatically — it does not just suggest.
It learns your firm
The model adapts postings to the history, chart of accounts and practice of each specific company.
Always compliant
The AI assistant knows the current legal state: KSeF, JPK, the Accounting Act, PIT, CIT and VAT.
Built in Poland, for Polish law
100% Polish code, hosting and data — no documents sent abroad.
Contivo alongside Optima, Enova and Symfonia
Optima, Enova and Symfonia are proven, mature systems — but they were created when artificial intelligence did not exist in accounting. We design Contivo from scratch around AI, so it automates what traditional systems still do by hand.
| Traditional systems (Optima / Enova / Symfonia) | Contivo | |
|---|---|---|
| Approach to AI | An add-on bolted onto an existing system | AI-Native — artificial intelligence at the core |
| Document posting | Manual or semi-automatic (OCR) | Automatic — AI reads and codes |
| Regulatory assistant | None or a static knowledge base | AI assistant answering regulatory questions |
| Architecture | Desktop or local installation | Fully cloud-based, available in the browser |
| Legal updates | Installed, often paid | Automatic, in the cloud, included |
| KSeF, JPK, ZUS | Yes | Yes — natively, no plugins |
| Pricing model | Licences + updates | SaaS subscription — everything included |
The comparison is illustrative and concerns the product approach. Optima, Enova and Symfonia are trademarks of their respective owners.
What AI in Contivo
Reads and posts documents
An invoice arrives, AI reads the line items, codes them to the right accounts and matches the client. You just approve.
Answers regulatory questions
Ask about a VAT rate, the moment a tax obligation arises or a deductible cost — the AI assistant answers with a reference to the regulation.
Tracks deadlines and errors
AI catches missing documents, unusual amounts and upcoming JPK, ZUS and tax-return deadlines.
Automates routine
Repetitive postings, settlements and reports run in the background — the accountant handles what requires judgement.
Learns your firm
The longer you work, the sharper the suggestions — the model adapts to your chart of accounts and practice.
Understands Polish law
The model supports Polish accounting: the Accounting Act, PIT, CIT, VAT, KSeF and JPK.
Six tools.
One AI platform.
Invoicing & KSeF
Issuing and receiving structured e-invoices through KSeF, automatic AI reading of inbound documents.
JPK
Generating JPK_V7, JPK_KR and JPK_FA directly from the system, no external tools.
ZUS DRA
Automatic social security calculations, ZUS reports, payroll integration.
HR & payroll
Full employee records, bonuses, deductions, leave, pay runs.
Fixed assets
Asset registry and automatic depreciation in line with Polish tax law.
AI assistant
An LLM-powered assistant — posts documents, answers regulatory questions, flags issues and automates routine work.
Frequently asked questions about Contivo
Is Contivo really the first Polish AI-Native accounting system?
Yes. Contivo is the first system for accounting firms in Poland designed from the ground up around artificial intelligence. AI is not an add-on here but the core of the system, genuinely reading and posting documents.
How is Contivo different from Optima, Enova and Symfonia?
Traditional systems were created before the AI era and most accounting work is done manually in them. Contivo automates document posting thanks to its AI-Native architecture and runs fully in the cloud — no installs, no paid updates.
Is Contivo compliant with KSeF, JPK and ZUS?
Yes. Contivo natively supports KSeF, generates JPK_V7, JPK_KR and JPK_FA, and handles ZUS — with no external plugins.
Is my data safe?
Yes. Code, hosting and data stay in Poland, and the system is GDPR-compliant.
Who is Contivo for?
For accounting firms and finance teams that want to automate work with AI instead of hiring more people.
Can I migrate to Contivo from another accounting program?
Yes. Contivo supports taking over a company from your current system, including importing HR data and historical settlements.
See Contivo in action
The full feature list, pricing and more FAQ are on the product site contivo.pl.