The connected operating platform for SMEs
Protect your margin from the first price you set to the final payment.
Tallyca connects sales, operations, people, finance and your bank accounts in one platform, with AI that helps you act on it.
QuotationsProducts and servicesSuppliersDeliveryShifts and payInvoices and cashBank accountsReports and dashboardsAI in context
Every business is a little different.And the margin leaks where you cannot see it.
You sell, do the work, pay your people and get paid.Four parts of one business, and money is made or lost in each.
“I covered for someone on holiday, and it took me six hours to get my bearings and put one quote together.”
“Every week I lost hours untangling who was where across the venues. We still got people’s pay wrong.”
Different businesses.The same problem.
The answer was in someone’s head, or in a spreadsheet nobody else could read.
So where does the margin actually go?
The price
You set the price before you knew what it would cost.
- Supplier prices are not checked against the latest invoice
- Discounts given without seeing what margin is left
- Commission to a salesperson, a partner or a delivery app is left out of the price
The changes
Plans change, and the price stays the same.
- What was agreed is not tied to what is delivered
- Changes arrive by phone call and are never recorded
- The version that was replaced is gone
The hours
The people cost more than the work brought in.
- The cost of a shift is only known after it is worked
- Sales per hour are never compared with the wage cost
- Working-time rules are checked after the schedule is published
The hindsight
You find out what you made weeks or months later, when it’s too late to act.
- Margin is only calculated after month-end, or when the project closes
- Labour, supplier invoices and commission are never totalled together
- Which customers, locations and kinds of work are profitable stays a guess
So here’s how you keep it.
Before the price goes out
Anyone can price it right, first time.
The prices, what your suppliers charge, the margin you need and the commission you owe are already in the system. So the price is ready in minutes, whoever is sitting at the desk. Not six hours, and not a guess.
It fits the business you run.
+shops, trades, agencies and more
| Item | Qty | Unit price | Line total |
|---|---|---|---|
| Set menu, 60 guests | 60 | €38.00 | €2,280.00 |
| Bar package, 4 hours | 1 | €960.00 | €960.00 |
| Service staff, 4 for 6 hours | 24 | €18.50 | €444.00 |
| Quote total | €3,684.00 |
Nobody else earns on this one, so the commission column is not there at all. The grid carries the columns the deal needs.
| Item | Qty | List price | Trade discount | Trade price | Line total |
|---|---|---|---|---|---|
| Oak veneer, 18mm | 40 | €60.00 | 15% | €51.00 | €2,040.00 |
| Edging tape, 50m | 25 | €24.00 | 15% | €20.40 | €510.00 |
| Delivery | 1 | €120.00 | — | €120.00 | €120.00 |
| Quote total | €2,670.00 |
A trade customer buys off a list price. The grid shows the discount you gave and the price it left you at, on every line.
| Item | Qty | Unit price | Line total | Partner commission |
|---|---|---|---|---|
| Worktop panel 3200×1600 | 6 | €960.00 | €5,760.00 | €288.00 |
| CNC cutting & mitring | 1 | €6,200.00 | €6,200.00 | €310.00 |
| On-site installation | 1 | €1,450.00 | €1,450.00 | — |
| Quote total | €13,410.00 | €598.00 |
A kitchen designer brought this one in, so the grid carries the commission column: every line shows what you keep, not only what they pay.
While the work happens
Nothing changes quietly.
When the customer accepts, what you agreed is locked to the work: the items, the quantities, the prices. When it does change, it changes as a new version, with the reason on the record and the old one kept.
Shown for
Line items
| Item | Qty | Line total |
|---|---|---|
| Set menu, 76 guests | 76 | €2,888.00 |
| Bar package, 4 hours | 1 | €960.00 |
| Service staff, 5 for 6 hours | 30 | €555.00 |
| Line total | €4,403.00 | |
Snapshot history
Snapshot v2From change order19 AugustSuperseded
Snapshot v1From quote14 AugustSuperseded
The guest count moved, and then the staffing moved with it. Each move is its own version, dated, and the one before it is kept.
Line items
| Item | Qty | Line total |
|---|---|---|
| Worktop panel 3200×1600 | 6 | €5,760.00 |
| CNC cutting & mitring | 1 | €6,200.00 |
| On-site installation | 1 | €1,450.00 |
| Splashback panel 2400×600 | 2 | €780.00 |
| Line total | €14,190.00 | |
Snapshot history
Snapshot v1From quote2 SeptemberSuperseded
Extra work used to be agreed by phone and email, and was not reconciled until the invoice. Here it is a released version, with a name and a date on it.
While you plan the week
See what the week costs before you commit to it.
Plan the week once — your people across every location, or the jobs across your workshop and crews. The cost moves as you move the work, against what you expect it to bring in. You find out it is too expensive before you commit, not after payroll.
See it as
| Mon 21 | Tue 22 | Wed 23 | Thu 24 | Total | |
|---|---|---|---|---|---|
| R. Ivanova | 9am-5pmChef de partie | 9am-5pmChef de partie | 9am-5pmChef de partie | €408.0024h | |
| T. Georgiev | 9am-5pmFront of house | 9am-5pmFront of house | €232.0016h | ||
| N. Dimitrova | 9am-5pmBar | 9am-5pmBar | €224.0016h | ||
| Daily totals | €248.0016h | €252.0016h | €252.0016h | €112.008h | €864.0056h |
Sales covered the wage costThey did not
Hours flow straight into pay, and the working-time rules are checked before anything goes out to your team.
ResourceMon 2182% loadTue 2294% loadWed 2361% loadThu 2438% load
A. IvanovaCNC operator82%24-0318CNC cutting24-0402Mitring
Fit-out crewInstall team61%24-0318On-site install24-0415Templating
Kestrel FinishingEdge polishing44%24-0318Edge polishing
M. HalilPlumber, no login25%24-0318Sink connection
Your own people and teamsSuppliers, and anyone you just phoned
The same week, planned as jobs against what you have to do them with. People are only one kind of resource here, so a subcontractor with no login is planned like any other.
As the costs come in
Know exactly what makes you money.
Sales and costs are counted as they come in — the wages, the supplier invoices, the commission — not after month-end. So you can see which customers, locations and kinds of work make money while there is still time to act.
Shown for
| Cost | Quoted | Actual |
|---|---|---|
| Labour | €780.00 | €1,412.00 |
| Food and drink | €920.00 | €1,164.00 |
| Equipment hire | €240.00 | €385.00 |
| Revenue | €3,684.00 | €4,403.00 |
| Margin | €1,744.00 | €1,442.00 |
It billed more than it was quoted and still made less. The extra hours are the reason, and they are on the record here — not in somebody's memory of a busy Saturday.
| Cost | Quoted | Actual |
|---|---|---|
| Labour | €4,800.00 | €5,310.00 |
| Materials | €3,900.00 | €3,845.00 |
| Subcontract | €1,200.00 | €1,640.00 |
| Partner commission | €598.00 | €598.00 |
| Revenue | €13,410.00 | €14,190.00 |
| Margin | €2,912.00 | €2,797.00 |
Commission is not a rounding error. It is tracked from the quote through to who has been paid and who has not.
Bank accounts
Works with the bank you already use.
With your business accounts connected, their payments in and out arrive on their own: nothing to download, nothing to type in. Tallyca suggests which bank payments belong to each order, part payments included, and shows you anything marked paid with no bank payment behind it.
Banks and payment accounts you can connect in Bulgaria, Romania, Greece, Croatia, Cyprus and Italy.
- Allianz Bank
- Bulgarian Development Bank
- Bulgarian-American Credit Bank
- Central Cooperative Bank
- D Commerce Bank
- DSK Bank
- EasyPay
- Ebury
- iBank
- iCard
- International Asset Bank
- Paynetics
- Paysera
- ProCredit Bank
- Revolut
- TBI Bank
- Texim Bank
- UBB
- UniCredit Bulbank
- Banca Transilvania
- BCR
- BRD
- CEC Bank
- Ebury
- ING
- Libra Internet Bank
- Paysera
- Raiffeisen Bank
- Revolut
- UniCredit Bank
- Alpha Bank
- Attica Bank
- Eurobank
- National Bank of Greece
- Piraeus Bank
- Revolut
- Erste Bank
- HPB
- OTP banka
- PBZ
- Podravska banka
- Raiffeisen Bank
- Revolut
- Zagrebačka banka
- Alpha Bank
- Bank of Cyprus
- Eurobank
- Hellenic Bank
- Banca Popolare di Sondrio
- BPER Banca
- Credem
- Crédit Agricole
- Intesa Sanpaolo
- Monte dei Paschi di Siena
- UniCredit
You approve the connection at your own bank.
AI, on every screen
Not just an answer. A change you can approve.
Ask Tallyca a question in plain words and get an answer from your own numbers. Ask for a change, and it is prepared for you to approve. Nothing is applied until you do. It only ever sees what the person asking is allowed to see.
Ask it as
Ask Tallyca
Ask about your business and get a structured answer using your current access.
Which shifts cost more than they brought in last month?
Weekend evenings are where the margin went. On most of them the hours worked ran over what the schedule planned, and on several the extra staff were called in after service had started.
The pattern is strongest in the weeks where the schedule was changed after it was published.
Results
Wage cost over plan+€3,255
1 – 31 August 2026
Shifts short of wage cost14
1 – 31 August 2026
Hours over planned schedule210 h
1 – 31 August 2026
Ask anything…⌘J
Ask Tallyca
Ask about your business and get a structured answer using your current access.
Which work lost margin last month, and where did it go?
Installation work is where the margin went. On most of these jobs the hours ran over what you quoted, and on several a change order was raised after the work had already started.
The pattern is strongest on the jobs that were quoted before a site visit.
Results
Margin variance−€4,180
1 – 31 August 2026
Jobs below quoted margin7
1 – 31 August 2026
Labour hours over estimate138 h
1 – 31 August 2026
Ask anything…⌘J
The answer names the pattern; the figures sit in their own block with the period they were measured over. It tells you what it looked at, not just what it concluded.
All of it, from day one.
Sales, operations, people and finance are all there from the first day, and already connected to each other. Nothing to add, nothing to join up.
You are quoting all week.
The prices, what your suppliers charge and the margin you need are already there, so the quote is a few minutes of work whoever is at the desk. That quote becomes the order, and then the invoice.
You are rebuilding the schedule every week.
You build the week once, per location, and the cost adds up as you go. You know what the schedule costs before you publish it. Hours flow straight into pay.
Different problems. One answer.
Whether it is the quotes, the schedule or keeping on top of the whole business, it all leads to the same place: what you actually made, after everything it cost. That is the number you came for.