What is a B2B ecosystem?
Business apps that belong to one platform and share the account and the data, instead of being wired together through paid integrations.
🇪🇪 Estonia · 4b2b ecosystemUPDATED · 2026
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
VAT (standard rate)22 %
CIT on distributed profit20 %
CIT on retained profit0 %
e-Residents worldwide100k+
Authored in Estonian and English. EUR billing (since 2011) handled on partner domains (4invoices.net).
Start with the services you can use today
Subscribe online to the first applications of the 4b2b ecosystem, then add more modules to the same account whenever you need them.
Invoicing
Issue and manage invoices online, with plans that start with a free trial period.
from €1 /month
Hosting
cPanel hosting, VPS, dedicated and GPU servers on fast NVMe storage.
from €5 /month
Price monitoring
Track your competitors' prices for your products, with alerts and price recommendations.
from €2 /month
Notifications
Send SMS, e-mail and WhatsApp notifications to your customers from one place.
from €49 /month
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
Scenario
🇪🇪 Eesti
Rest of EU
€100k profit, all reinvested
€0 tax
~€20-30k tax (CIT)
€100k profit, €30k dividend paid
€6k tax (20 % × 30k)
~€25-35k tax (CIT + dividend)
5-year startup, no dividends
€0 tax cumulative
CIT every year
Six integrations with Estonia's digital state
E-01Live
e-Residency
100,000+ e-residents, Estonian ID for foreigners.
E-02Live
e-Tax Board
EMTA portal for VAT, payroll, dividends.
E-03Live
X-Road
Inter-system connection between state services.
E-04Live
ID-card / Smart-ID
Qualified digital signature eIDAS QES.
E-05Live
e-Business Register
Company registry, 18-minute registration.
E-06Live
e-Invoicing (Operator Banks)
EVR e-invoice operator (LHV, SEB, Swedbank).
Comparison with other EU countries
🇪🇪Estonia
Distributed profit tax
20 % (retained 0 %)
🇱🇻Latvia
Estonian-style CIT
20 % (retained 0 %)
🇵🇱Poland
Estonian CIT (PIT-CIT)
20 % distributed
🇭🇺Hungary
Low CIT rate
9 %
🇮🇪Ireland
Standard CIT
12.5 %
🇩🇪Germany
Standard CIT
30 %
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.
01 · 4invoices.net
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 →
02 · 4notify.net
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 →
03 · 4hosting.net
EU hosting
EU residency for personal data, GDPR + AKI compliant. Frankfurt, Stockholm, Tallinn regions.
- Guaranteed EU residency
- AKI compliance
- Multi-AZ Tallinn
Open 4hosting →
04 · 4softerp.net
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 10–30 % 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.
10–20 % - 02Law firms
Estonian Bar Association, hourly billing.
10–20 % - 03Tax advisors
CIT 20 % distributed, e-Residency, EU cross-border.
20–30 % - 04Wealth managers
Financial Supervision Authority licence, family office.
20–30 %
What you get
- Personal referral link + your own affiliate code
- 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.
The 4b2b ecosystem
Why an ecosystem instead of separate apps
The 4b2b ecosystem is a group of business apps that share one account, one company record and one customer record. You switch on only the modules you need, and anything entered once shows up everywhere else — from invoicing through contracts to timesheets.
- One login for every module, with permissions set per role.
- Company and customer details are entered once, not six times.
- One subscription, with modules you turn on as you go.
- Local tax compliance included on every market we open.
Questions about the ecosystem
Short answers to what small companies ask most often before choosing. Each one has its own page, with worked examples and the mistakes to avoid.
What is the 4b2b ecosystem?
Invoicing, accounting, CRM, ERP, HR, projects, contracts and notifications under one account, with local compliance on each market.
How does an ecosystem cut software costs?
It removes parallel subscriptions and paid connectors: replacing six separate apps typically takes 40–60 % off the monthly bill.
What does Single Sign-On mean for a company?
One person signs in once and reaches every module; when they leave, access is revoked from a single place.
How is tax compliance handled across 70 countries?
Every market has its own e-invoicing format and channel, and the ecosystem applies them from the market you selected.
What is 4b2b.net?
4b2b.net is the hub of an ecosystem of SaaS applications for businesses: invoicing, accounting, CRM, ERP, HR, project management, notifications, hosting and contracts, all reachable with a single account. Each product is available in its own set of markets — for example invoicing in 73 countries, accounting only in Romania and Moldova.
What you can do with 4b2b.net
- Issue invoices in 73 countries with 4invoices.net; in Romania, straight into ANAF e-Factura
- Manage customer relationships with 4softcrm.net (HubSpot/Pipedrive alternative) in RO, IT, DE and ES
- Keep the books with 4conta.ro (Romania and Moldova) and run financial ERP with 4softerp.net (Romania)
- Manage employees, timesheets and leave with 4softhr.net and 4mystaff.net (BambooHR alternative)
- Organize projects and teams with 4myprojects.net (Jira/Asana alternative)
- Send SMS and WhatsApp notifications to customers with 4notify.net in 70 countries
- Build and publish websites with 4buildsite.net
- Host applications on VPS, cPanel or dedicated servers with 4hosting.net
4b2b.net advantages
- One account and single sign-on for every product in the ecosystem
- Invoicing in 73 countries, with ANAF e-Factura integration for Romania
- Website available in 34 languages, prices shown per market
- Transparent per-market pricing with no hidden costs or volume licenses
- Documented REST API for products such as 4invoices.net
- Servers in the European Union (Finland)
- Affiliate program with 10–30% recurring commissions for partners
Limitations
- Not a monolithic enterprise suite — each product has a separate backend
- Each product has its own markets; some (accounting, ERP) are available only in Romania
- Outside Romania invoices are issued as PDF — no submission to government tax systems
- Native mobile apps currently unavailable — responsive web interface
How it works
- Create an account on 4b2b.net and pick the products that fit your business
- Activate each product available in your market and configure it in its own panel
- Access every application with the same account, no multiple passwords
4b2b.net vs. alternatives
| Feature | 4b2b.net | Microsoft 365 | Google Workspace | Zoho One | SAP Business Suite |
|---|---|---|---|---|---|
| Invoicing (73 countries) | ✅ Yes | ❌ No | ❌ No | ⚠️ Limited | ✅ Yes |
| Full CRM | ✅ Yes | ⚠️ Limited | ❌ No | ✅ Yes | ✅ Yes |
| ERP / Accounting | ⚠️ RO only | ❌ No | ❌ No | ✅ Yes | ✅ Yes |
| HR & Timesheets | ✅ Yes | ⚠️ Basic | ❌ No | ✅ Yes | ✅ Yes |
| Project management | ✅ Yes | ✅ Yes | ⚠️ Tasks | ✅ Yes | ✅ Yes |
| Government e-invoicing | ⚠️ RO (e-Factura) | ❌ No | ❌ No | ⚠️ Partial | ✅ Yes |
| Transparent pricing | ✅ Yes | ⚠️ Variable | ✅ Yes | ✅ Yes | ❌ Opaque |
| REST API | ✅ Yes | ✅ Yes | ✅ Yes | ✅ Yes | ✅ Yes |
| Hosting | ✅ Yes | ❌ No | ❌ No | ❌ No | ❌ No |
