Nibo Simplifies Financial Management by Bringing Businesses and Accounting Professionals Together on One Platform

Nibo Uses Technology to Restore the Value of Accountants and Simplify Finances for Brazilian Businesses

Small businesses in Brazil face one of the world’s most complex tax systems. Combine that with daily financial routines scattered across spreadsheets and disconnected tools, and it creates a risky environment. Roughly 2,000 companies shut down each day, many due to poor financial visibility or delayed guidance.

Nibo emerged in 2012 with a goal to bring business owners and accountants into harmony through a single cloud-based platform. It was designed to replace the friction of fragmented workflows with real-time visibility and automation.

“We built Nibo because so many companies were drowning in paperwork and anxiety. They needed a tool that connected the dots,” says Gabriel Gaspar, co‑founder and CEO.

Integrating Key Financial Workflows

The heart of Nibo lies in its suite of solutions tailored for different users.

Nibo Gestão Financeira is built for service-based companies. It automates cash-flow projection, invoice issuance, including NFSe, and collections. Bank statement imports and AI-powered reconciliation ensure accuracy. Built-in dashboards and reports let business owners understand where they stand at a glance.

Nibo Obrigações Plus targets accounting firms. It automates the tracking and recalculation of tax obligations including DAS and DARF, syncing automatically with government filings. This reduces errors, avoids fines and frees accountants to add value elsewhere.

Nibo BPO caters to financial outsourcing services, centralising each client’s data, automating document triage via inbox integrations (Dropbox, Drive, email) and simplifying portfolio control and debt tracking.

Automating Tasks, Elevating Strategy

What once took accountants days can now be done in hours, or minutes. With Open Finance integrations via Belvo, Nibo automates the import of bank statements without asking clients to submit PDFs. Transaction categorisation and document ingestion happen automatically using artificial intelligence. That reduces errors and speeds reconciliation significantly .

Recurring payments, invoices and obligation tracking are also automated. Every routine task removed is time regained for higher‑impact work.

Bank Reconciliation, Reimagined

Bank reconciliation is often the most manual process in accounting offices. Nibo’s Open Finance conciliator connects to over 20 banks, offering automatic data syncing and intelligent categorisation. Accountants no longer need to wait for clients to send statements and can complete reconciliations in a fraction of the time.

Making Compliance Seamless

Brazil’s tax obligations are notoriously challenging. Nibo’s Obligações Plus automates those tasks — the system recalculates taxes automatically, produces the correct payment guides and tracks overdue items, without manual work.

That reliability reduces the risk of penalties and ensures businesses remain compliant without distraction.

An Experience Built for Simplicity

Complex software makes tools unusable. Nibo’s team continues to refine the user experience based on real feedback. If customers cannot understand how to generate an invoice or check their cash flow within minutes, the interface is redesigned.

“We tested every feature with real users. If it required a manual, we removed it,” Gabriel says.

This commitment to usability has helped Nibo grow to over 440,000 companies and thousands of accounting firms across Brazil, many recommending it to clients and peers.

Restoring the Value of Accountants

Nibo believes accountants are not just compliance workers, but strategic partners. By freeing them from repetitive chores, the company positions them to deliver advisory services that matter.

“Accountants deserve to return to advisory work,” Gabriel remarks, “not deadline chasing.”

As accountants engage more proactively, business owners receive clearer guidance and avoid pitfalls before they escalate.

Driving Growth with Customer Insight

Rather than guessing what clients needed, Nibo embraced a feedback-first development model. Features like priority dashboards, obligation alerts and document automation were introduced based on what owners and accountants told the team they lacked.

A Platform That Grows with You

Whether a business is just starting or scaling across multiple service lines, Nibo adapts. Users can begin with basic financial management and add obligation tracking or BPO tools as needed. Switching systems or re‑onboarding is not required.

This modular design ensures the platform grows alongside users—businesses and accountants alike.

Education and Insight

Nibo sees automation as a starting point, not the destination. The next phase includes expanding financial insights and launching educational initiatives to boost literacy among owners and firms alike.

Technology without understanding often fails to deliver lasting impact. That’s why Nibo is investing in helping users understand their numbers, not just report them.

Technology with a Broader Mission

Nibo’s vision goes beyond delivering software. The company aims to support the Brazilian economy by strengthening the ecosystem beneath it. When thousands of companies have clearer finances and stronger advisors at their side, business failure slows.

“Real progress comes when accountants and businesses work hand in hand," Gabriel says. "That’s the future we’re building.”

Gabriel Gaspar, Co-Founder & CEO, Nibo

Paradoxically, when financial work flows smoother, accountants emerge as strategic partners and businesses perform better.