Team

How Treuhander.ai came to be

Six months ago I was looking for a solution myself. I didn’t find one. So I built it.

Michael Heilig · Founder · 20+ years as senior CFO at multinationals in industry, banking, tech

Six months ago I signed up as treasurer of an Italian cultural association in Aegeri. Small budget. Volunteer board. No room for expensive software.

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I tried every solution on the market. Too expensive. Too complex. Too focused on big companies.

So I did what every frustrated user secretly dreams of doing. I built my own.

What started as a side project for our association became something bigger. Today it does what we actually need. Track member dues without chasing spreadsheets. Reconcile bank statements automatically. Issue member receipts with one click.

After 25 years as a CFO, I’ve learned more about software in six months of coding than in two decades of buying it.

That solution became Treuhander.AI. I’m not the fiduciary digitising his mandates. I’m the SME owner who did his own bookkeeping — and who now gives you the tool to do the same without coding.

"Swiss SMEs pay CHF 5,000 to 12,000 per year today for services that can largely be automated — without loss of quality, without compliance risk."

P.S. — Building websites is also fun. amiciziaclubaegeri.ch

The team

And the team that works for you: Five agents, five specialties.

Michael leads. Five AI agents execute — he gives the final approval.

Felix

24 · Bern

Accounts payable · VAT · bank reconciliation

Nerdy-ambitious, learns every new accounting pattern instantly. Types with both thumbs faster than most do with ten fingers. Keeps a private collection of curious expense receipts he calls "receipt bingo".

What they do

Swiss SME chart of accounts 2020 + industry clustersVAT codes (8.1% / 2.5% / 3.8%)Bank reconciliation against camt.053Vendor memory per client

Example

Lieferant AG, RE-2026-441, CHF 1,240 → account 6500 in 7 sec, 96.4% confidence. By the eighth receipt from the same supplier: 2 sec, 99% — no click needed.

Aria

29 · Genève

Accounts receivable · dunning · VAT deadlines

Precise, no small talk, knows every VAT deadline by heart. Replies to emails in keywords, writes dunning letters in three politeness-escalation levels. Reads balance sheets on the beach to relax.

What they do

Accounts receivable tracking + DSO analysisQuarterly VAT filings Q1–Q4Dunning automationSwiss debt collection law basics

Example

VAT Q1-2026 due in 3 days · Aria prepared the filing yesterday at 22:14 · 1 receipt needs clarification · sending after your confirmation.

Lena

27 · Luzern

Payroll · AHV / ALV / UVG · Swissdec

Warm-hearted, patient, writes a personal note on every pay slip when something special happens (sick benefit, new child, bonus). Believes payroll is not pure math but trust.

What they do

AHV / ALV / UVG / IV / EO / BVGSwissdec ELM 5.3Withholding tax rates for every cantonSick benefits, child allowances

Example

April payroll · 4 employees · CHF 16,380 gross · Swissdec export packed · sending to UBS at 09:00 after your OK.

Zeno

41 · Zürich

Treasury · ISO 20022 payment runs · liquidity

Stoic, terse, never says one word too many. Trusts numbers, not promises. Has seen in two banking careers what happens when payment runs go late — and now fixes it for others.

What they do

ISO 20022 (pain.001 / camt.053 / camt.054)All Swiss banks: UBS, PostFinance, ZKB, Raiffeisen, BEKB, Migros Bank …90-day rolling liquidity planningFX conversion CHF / EUR / USD

Example

UBS payment run · 4 items · CHF 4,800 · pain.001 generated · sending after your 2FA confirmation.

Remo

62 · Lugano

Review · anomaly detection · closing prep

Wise, patient, has seen every anomaly before. Rarely says "error", often says "interesting". Writes reviews in full sentences because half-sentences mean half-truths.

What they do

Anomaly detection (duplicates, VAT clusters, unusual amounts)Liquidity check + closing prepCompliance cross-check (CO / Swiss GAAP FER)VAT plausibility

Example

This week · 1 possible duplicate flagged (RE-440 vs. RE-441, same amount, different receipt) · note in your cockpit, your call.

The guardian

Remo reviews every entry — the human approves.

Above 95% confidence is auto-posted. Anything below goes to Remo — anomaly cross-check, VAT plausibility, closing prep. What he can’t decide goes to Michael. The human has the final say.

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