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
Fiscalization 2.0,
eRačun ready.
From January 1, 2026, eRačun (e-invoice) becomes mandatory for all Croatian VAT payers. The 4b2b platform already issues and receives eRačun via the FINA Mojcert system, generates JOPPD payroll returns, validates OIB tax IDs, and supports EU cross-border trade in the Eurozone.
CROATIA FACT SHEET
Authored in Croatian and English. EUR billing (since 2023) handled on partner domains (4invoices.net).
Fiscalization 2.0 · 4b2b for Croatia
Eight integrations. One FINA Mojcert.
Fiscalization 2.0 is Croatia's mandatory B2B e-invoicing system via the FINA Mojcert central hub. Rollout in phases 2025–2026: large taxpayers already in 2025, all VAT payers by January 1, 2026, and non-VAT payers from 2027. 4b2b issues, receives and validates eRačun through the Mojcert API with no manual work.
Rollout timeline
Large VAT payers (top 1000)
All VAT payers (B2B mandatory)
All transactions with state bodies
All VAT payers + non-payers
Eight integrations against Croatian registries
FINA Mojcert API to send and receive B2B e-invoices.
PDV form for monthly VAT payers (Tax Administration).
Monthly salary tax, contributions and surtax.
OIB check (modulo 11) for all business entities.
Lookup of the Court Registry for legal entities.
EU VAT ID validation for cross-border trade.
Submission of forms and receipts via the ePorezna portal.
NACE Rev. 2 → NKD 2007 (Croatian industry classification).
What other EU countries require
What this means for your business.
Instead of building your own Mojcert client, manually entering JOPPD or validating OIBs one by one, you get the entire stack on day 1. eRačun is generated automatically from the invoice, JOPPD is produced from payroll runs, and OIB validation is on by default across every module.
Sources: FINA, Croatian Tax Administration, Ministry of Finance · EU eInvoicing Directive 2014/55/EU.
4b2b ecosystem · Croatia
Four brands. One vendor.
Every service in the 4b2b ecosystem is built for the Croatian market — from eRačun via FINA Mojcert to JOPPD and OIB validation. Croatian businesses can start with one product and add others as needed.
Invoicing and VAT
eRačun via FINA Mojcert, VAT return 25 / 13 / 5 %, EU cross-border, fiscalization B2C POS.
- eRačun B2B/B2G mandate
- Monthly VAT return
- EU VIES validation
Open 4invoices →
SMS and notifications
A1 Hrvatska, Hrvatski Telekom, Tele2 — all three operators in one API. PSD2 SCA, reminders, delivery notices.
- A1 / HT / Tele2 routing
- PSD2 SCA with mToken
- Webhook architecture
Open 4notify →
EU hosting
EU residency for personal data, GDPR + AZOP compliant. Frankfurt, Vienna, Zagreb regions.
- Guaranteed EU residency
- AZOP compliant
- Multi-AZ Zagreb
Open 4hosting →
ERP and JOPPD
Multi-entity consolidation, monthly JOPPD, 18 % corporate tax, contributions, IRA/URA ledger.
- Monthly JOPPD
- IRA/URA ledger
- Multi-entity consolidation
Open 4softerp →
Professional services
Six practices. One stack.
Accountants, lawyers, tax advisors, wealth managers, family offices and insurance brokers work with 4b2b every day — eRačun, JOPPD, OIB validation, and FINA Mojcert integration.
SIX PRACTICES
- 01Accounting firms
Chamber-registered, monthly JOPPD, IRA/URA ledger, EU VIES.
- 02Law firms
Client accounts, hourly billing, conflict checks.
- 03Tax advisory
18 % corporate tax, EU cross-border, Croatia Eurozone.
- 04Wealth management
HANFA compliant, MiFID II, AML/KYC with PEP screening.
- 05Family offices
Multi-entity consolidation, foundations, shareholder registry.
- 06Insurance brokers
Commission ledger, HANFA supervision, B2B broker tools.
Full Fiscalization 2.0. 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
Croatian Accountants Association, VAT + Fiscalization 2.0.
15–30 % - 02Law firms
Croatian Bar Association, hourly billing.
10–25 % - 03Tax advisors
18 % corporate tax, EU cross-border, Eurozone.
20–40 % - 04Wealth managers
HANFA licensed, family office stack.
25–50 %
What you get
- Personal referral link + custom discount coupons
- Recurring commission for the lifetime of the subscription
- Live dashboard: signups, conversions, payouts
- Direct EUR bank transfer payouts
- Co-marketing material in Croatian 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 |
