Business ecosystem,
integrated with AI technologies
All the apps you need — CRM, HR, ERP, invoicing, notifications, appointments, projects and marketing...
The latest AI technologies integrated into software applications
Retained profit =
0 % tax.
In Estonia, corporate income is taxed (20 %) ONLY when distributed as dividends. Reinvested profit is not taxed. The 4b2b platform manages e-Residency companies, files VAT returns (22 %), integrates with X-Road infrastructure, and supports ID-card / Smart-ID digital signing.
ESTONIA FACT SHEET
Authored in Estonian and English. EUR billing (since 2011) handled on partner domains (4invoices.net).
Digital state · 4b2b for Estonia
The world's first digital state.
Estonia offers a unique combination unmatched globally: e-Residency (100,000+ e-residents managing Estonian companies remotely), distributed-profit-only corporate tax (0 % on retained profits, 20 % on distributed), and X-Road infrastructure connecting all state services. The 4b2b platform integrates with each.
Estonia tax advantage by scenario
€100k profit, all reinvested
€100k profit, €30k dividend paid
5-year startup, no dividends
Six integrations with Estonia's digital state
100,000+ e-residents, Estonian ID for foreigners.
EMTA portal for VAT, payroll, dividends.
Inter-system connection between state services.
Qualified digital signature eIDAS QES.
Company registry, 18-minute registration.
EVR e-invoice operator (LHV, SEB, Swedbank).
Comparison with other EU countries
What this means for your business.
A company incorporated in Estonia pays income tax ONLY when distributing dividends. A startup reinvesting all profits for 5 years pays zero CIT total — a regulatory advantage no other EU country offers at this scale. The 4b2b platform maintains a dividend distribution ledger and computes tax automatically when realized.
Sources: Estonian Tax and Customs Board (EMTA), e-Residency.gov.ee, Information System Authority (RIA) X-Road documentation.
4b2b ecosystem · Estonia
Four brands. One vendor.
Every service in the 4b2b ecosystem is built for the Estonian market — from e-Tax Board integration to X-Road connection and ID-card/Smart-ID signing. Estonian companies can start with one product and add others as needed.
Invoicing and VAT
EVR e-invoice operator (LHV/SEB/Swedbank), VAT returns 22 %, EU OSS, dividend ledger.
- EVR e-invoice issuance
- EMTA portal integration
- Smart-ID signing
Open 4invoices →
SMS and notifications
Telia, Elisa, Tele2 — all three operators in one API. Smart-ID OTP, reminders, delivery notices.
- Telia / Elisa / Tele2
- Smart-ID OTP flow
- Webhook architecture
Open 4notify →
EU hosting
EU residency for personal data, GDPR + AKI compliant. Frankfurt, Stockholm, Tallinn regions.
- Guaranteed EU residency
- AKI compliance
- Multi-AZ Tallinn
Open 4hosting →
ERP and payroll
Multi-entity consolidation, EMTA payroll reports, dividend 20 %, e-Business Register.
- Monthly EMTA payroll reports
- Dividend 20 % calculation
- X-Road integration
Open 4softerp →
Professional services
Six practices. One stack.
Accountants, lawyers, tax advisors, wealth managers, family offices and insurance brokers use 4b2b daily — e-Tax Board, X-Road, ID-card, dividend tax, and EMTA reports.
SIX PRACTICES
- 01Accounting firms
EVR/EVRSL members, EMTA declarations, VAT/payroll/dividend reports.
- 02Law firms
Client accounts, hourly billing, conflict-of-interest checks.
- 03Tax advisory
CIT 20 % on distributed profit, e-Residency structures, EU cross-border.
- 04Wealth management
Financial Supervision Authority compliance, MiFID II, AML/KYC PEP.
- 05Family offices
Multi-entity consolidation, foundations, e-Business Register.
- 06Insurance brokers
Commission ledger, Financial Supervision oversight, B2B broker tools.
Full digital state. One backend.
Explore brands →Partner program · Affiliate
Refer. Earn. Recurring.
Accountants, lawyers, tax advisors and wealth managers earn 10–50 % commission on every payment made by clients they refer to the 4b2b ecosystem. No cap — recurring commission for the lifetime of the subscription.
Four partner lanes
- 01Accounting firms
EVRSL members, EMTA + e-Residency portfolios.
15–30 % - 02Law firms
Estonian Bar Association, hourly billing.
10–25 % - 03Tax advisors
CIT 20 % distributed, e-Residency, EU cross-border.
20–40 % - 04Wealth managers
Financial Supervision Authority licence, family office.
25–50 %
What you get
- Personal referral link + custom discount coupons
- Recurring commission for the subscription lifetime
- Live dashboard: signups, conversions, payouts
- Direct EUR bank transfer payouts
- Co-marketing material in Estonian and English
Become a partner. Today.
Commission is paid monthly while the referred client remains active. See full terms inside the affiliate dashboard.
What is 4b2b.net?
4b2b.net is an integrated SaaS ecosystem for businesses across Europe and worldwide. The platform brings together e-invoicing, accounting, CRM, ERP, HR, project management, notifications, hosting and contracts — all under one account, with built-in local tax compliance across 70+ markets.
What you can do with 4b2b.net
- Issue compliant e-invoices in 70+ countries (e-Factura, FatturaPA, FE, PEPPOL etc.)
- Manage customer relationships with the CRM module (HubSpot/Pipedrive alternative)
- Run financial accounting and multi-company ERP
- Automate HR processes: employees, timesheets, leave management (BambooHR alternative)
- Organize projects and teams (Jira/Asana alternative)
- Send SMS and WhatsApp notifications to customers across 32+ EU markets
- Build and publish SEO/GEO-optimized websites
- Host applications on managed VPS/cloud infrastructure
4b2b.net advantages
- Integrated ecosystem — one account and one panel for all modules
- Global coverage across 70+ markets with local tax compliance included
- Natively multi-language and multi-currency (70+ languages, all major currencies)
- Transparent per-market pricing with no hidden costs or volume licenses
- Standardized JWT REST API for integration with any existing system
- Built-in GDPR compliance, data stored in the EU
- Affiliate program with 10–50% recurring commissions for partners
Limitations
- Not a monolithic enterprise suite — each module has a separate backend
- Some verticals (projects, contracts) are currently available in limited markets
- Migrating data from an existing ERP requires technical assistance
- Native mobile apps currently unavailable — responsive web interface
How it works
- Create a free account on 4b2b.net and select the modules that fit your business
- Configure your company once — data propagates automatically across all activated modules
- Access every application from the unified panel with a single login, no multiple passwords
4b2b.net vs. alternatives
| Feature | 4b2b.net | Microsoft 365 | Google Workspace | Zoho One | SAP Business Suite |
|---|---|---|---|---|---|
| E-invoicing (70+ countries) | ✅ Native | ❌ No | ❌ No | ⚠️ Limited | ✅ Yes |
| Full CRM | ✅ Yes | ⚠️ Limited | ❌ No | ✅ Yes | ✅ Yes |
| ERP / Accounting | ✅ Yes | ❌ No | ❌ No | ✅ Yes | ✅ Yes |
| HR & Timesheets | ✅ Yes | ⚠️ Basic | ❌ No | ✅ Yes | ✅ Yes |
| Project management | ✅ Yes | ✅ Yes | ⚠️ Tasks | ✅ Yes | ✅ Yes |
| Local tax compliance | ✅ 70+ countries | ❌ No | ❌ No | ⚠️ Partial | ✅ Yes |
| Transparent pricing | ✅ Yes | ⚠️ Variable | ✅ Yes | ✅ Yes | ❌ Opaque |
| REST API | ✅ JWT | ✅ Yes | ✅ Yes | ✅ Yes | ✅ Yes |
| Hosting included | ✅ Yes | ❌ No | ❌ No | ❌ No | ❌ No |
