Bookkeeping with AI in Fully: what every SME should know
Delegate, digitalise or do it all yourself? Around bookkeeping in Fully, every SME draws its own line. The reference points below — federal law, cantonal practice and lessons from the field — help you place the cursor well.
The Swiss legal frame for bookkeeping
For an owner in Fully, the question is never “do we need accounts?” but “at what level of detail?”. The CO sets the floor; the bank, the tax office and the shareholders set the rest.
For bookkeeping, the classic early mistake remains mixing private and business: a dedicated bank account and documented private withdrawals eliminate half the discussions with the tax office.
A Swiss SME's accounting calendar
The typical annual cycle: monthly or quarterly AHV instalments, VAT returns (quarterly under the effective method, semi-annual under the net tax rate), the final salary declaration in January, closing in the first half-year, then the tax return and the annual VAT reconciliation. Each link depends on the quality of the previous one.
For bookkeeping, deadline discipline is worth real money: default interest on late VAT, AHV adjustments, tax fines. A shared deadline calendar — fed by up-to-date figures — remains the simplest safeguard.
A well-structured SME chart of accounts
Shareholder current accounts demand strict hygiene: every private withdrawal documented, interest at the rates accepted by the tax administration, and a clean-up at closing.
For bookkeeping, a few well-chosen analytical accounts (by activity, by site) beat a forest of sub-accounts nobody ever reads.
Digitalising bookkeeping: what actually works
Access for the fiduciary, the auditor and employees is set by roles: view, enter, approve, close. Well-set rights protect the data and speed up collaboration.
The winning pair for bookkeeping: a single inbox (e-mail, scan, photo) and one simple rule — no document sits more than a few days without a proposed entry.
Fully: what changes, what does not
Fully (postal code 1926, canton Valais) applies the same federal rules as the rest of the country: what changes in Fully are the cantonal counterparts — tax administration, compensation office, commercial register.
Fully requires no special bookkeeping: the Code of Obligations applies at postal code 1926 as everywhere else, and a well-kept digital file transfers smoothly to any auditor in the canton.
Frequently asked questions
Do you need a fiduciary for bookkeeping, or can you do it yourself?
Both are defensible. Below CHF 500,000 of revenue, a sole proprietorship may keep simplified accounts itself. As soon as payroll, VAT and a closing with tax stakes are involved, professional support prevents mistakes that cost more than the fees. With a shared platform, the fiduciary does not even need to be in Fully.
What are the current Swiss VAT rates?
Since 1 January 2024: 8.1% (standard), 2.6% (reduced — for example food and medicines) and 3.8% (accommodation). Returns must be filed and paid within 60 days after the period ends (quarterly under the effective method, semi-annually under the net tax rate method). These federal rates apply unchanged in Fully.
When is entry in the commercial register mandatory?
A Sàrl and an SA only come into existence with their registration. A sole proprietorship must register from CHF 100,000 of annual revenue; below that, registration stays voluntary but adds credibility and protects the business name. Registration goes through the canton's commercial register office — for Fully too.
Does MyFiducia.ai work for a business based in Fully?
Yes: the platform runs online, the rules applied are federal (VAT, CO, AHV), and the file can be shared with any fiduciary. A business in Fully manages its documents, VAT and exports exactly as anywhere in Switzerland.
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Switch to accounting that keeps itself up to date
MyFiducia.ai automates bookkeeping for businesses in Fully: AI-read documents, posting suggestions, VAT and exports ready for your fiduciary. Try the platform or browse our other guides.
The application is operated in French.