Zolven
The AI-native gestoría
The autonomous back office for Spanish businesses.
Pre-seed · July 2026 · nicolau@zolven.ai
Nicolau Farré Saurí
Founder · Product & AI Engineer
6+ years shipping ambitious software to production — agentic AI, full-stack, applied ML. Built Zolven out of our own need; now shipping it to everyone else.
EPFL
UPF
VisionemLabsClinical ML suite · led product & development from inception
CaixaResearch Validate 2021
Diagnostics (MDPI) 2024
Vall d'Hebron (VHIR)
The gestoría is the human API between a business and the Spanish state
Expensive, slow, unchanged for decades.
€8B/yr
2.4M businesses pay for gestoría done by hand.
~€225/mo
Slow, reactive — the deadline is your problem.
70–80% of autónomos outsource — not optional in practice.
A monthly ritual: gather, forward, re-key what already lives in email, bank and invoices.
Zolven is the service, not a tool
The customer hires an outcome: "keep my business compliant."
≤30 min
customer admin per month (p75).
Three forces converging in 2026
Regulation
Verifactu + mandatory B2B e-invoicing — the whole market must digitize, on our timeline.
Technology
Agentic AI now owns whole workflows: observe → decide → execute → verify.
Economics
Vertical AI captures service spend — the €8B wallet, not a €10/mo line item.
Quarterly gestoría
Continuous compliance OS
2.4M businesses already pay ~€8B/yr for gestoría
Zolven delivers it for €69–199/mo — a €3.7B wedge into an €8B market.
Spain alone supports a venture-scale outcome. EU is upside.
Software-margin economics on a service-sized wallet
Autónomo
Sole trader
Micro company
Micro SL
Small SL
Small company
Blended
—
Customer saves ~54% for a faster, always-on service.
Everyone sells software or humans. Nobody sells the completed outcome.
Traditional gestorías
~65,500 firms
Online at scale
Ayuda T Pymes, TaxDown
Software platforms
Visma, a3, TeamSystem
Zolven
- Software vendors' pieces stay split — integration means rebuilding.
- Channel players cannibalize the gestorías they arm.
- Human-service margin depends on the factory Zolven deletes.
Copilots aren't in this table — they compete for a task, not the job.
Open to conversations with the right partners
We’re looking for investors and operators who share our ambition to build Europe’s AI-native back office for small businesses.
Regulated product
Navigate trust, compliance and institutional access without slowing the product down.
Distribution
Reach the businesses that need Zolven and build durable channels around them.
Expansion
Scale the service factory in Spain and prepare the path into adjacent markets.
- Long-term alignment around category creation
- Experience scaling trusted or regulated services
- A network across SMEs, accounting, fintech and public infrastructure
If you can help Zolven earn trust, scale distribution and expand thoughtfully, let’s talk.
Deep-dive material — product status, frameworks, moat, sector data and staging.
A working platform on a live pilot with real company data
- Email → invoice extraction with eval harness
- Bank import + N:N reconciliation (splits, groups)
- Compliant invoice issuing (Verifactu-shaped)
- Obligations calendar (303 / 130 / 390 / 111 / 115)
- Payroll registry + IRPF retention dashboards
- Agent over Chat + dashboard, live timeline
- Full audit trail on every mutation
- Isolated runtime per taxpayer
AEAT presentation, signing rails, payroll calculation engine.
Wrappers own a task. Zolven owns all ten layers of the job.
A workflow counts as owned only when all ten pass:
Wrappers live in layers 3 & 5. Zolven runs 1 → 10.
Three layers, one guarantee
Connect once
Email, banks, AEAT/DEHú inboxes, Verifactu. Continuous observation replaces uploads.
The factory
AI interprets. Deterministic engines compute every legal figure. One audited action layer.
Verified outcomes
Filings with official receipts, payments, reconciled books. Approval-gated, fail-closed.
AI never does the math. And nothing is "done" without an official receipt.
The model is not the moat. The factory is.
Three compounding loops:
Per-customer memory
Audited state no fresh LLM has. Six months in, it knows the €847.32 transfer is the rent.
Cross-customer knowledge
Every exception ships as code, rules and evals — permanent capability.
Record → action
Once Zolven presents your taxes, leaving means firing your accountant.
Incumbents can copy the chatbot. They can't copy the receipts.
EvenUp (personal injury, $2B+) · Blitzy ($1.4B) · Tomo (mortgage). Nobody has done it to the €8B Spanish gestoría.
A quarterly service is becoming a continuous system
Quarterly gestoría
reactive · periodic
Continuous compliance OS
continuous · interconnected
Every business will need more continuous, interconnected and complex compliance.
Source: INE CNAE 692 structural series · CPI-adjustedEurope first: a €11.7B serviceable launch cluster
Four adjacent EU markets hold 11.4M SMEs. LatAm adds scale optionality without dictating the sequence.
€13.0B / yr
14.6M businesses across six priority markets
€11.7B / yr
Spain + Portugal + Italy + France after localization
€117M ARR
1% of EU SAM ≈ 114k customers
EC SME Fact Sheets 2025 (2024 estimates) · INEGI CE 2024 (formal businesses) · Chile SII 2024. ARPU is a base-case localization assumption, not observed revenue.