Invoicing without a business, we will change your work as a pay

* Ninjou is a Japanese and it means “human emotion”, it is our business
the principle of managing your financial transactions. We will meet your needs
and do not leave it in vain

More Details

Ninjou offers you the easiest tool to convert your entrepreneur work into money without starting your own company.

Billing and Salary Services

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The word ”ease” describes our service.

You get the entrepreneur’s freedom. Repeated billings are always saved, and you do not have to repeat the routines ever again.

Our service charge is 5.5% and includes all the paperwork that the billing and payroll statutory require. If you feel that your billing requires a smaller percentage, please negotiate with us. No hidden costs from salary certificates or other paperwork.

INSURANCE

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By working with Ninjou Oy you are insured regardless of the type of the job, with the exception of some job’s that require government oversight.

These include: some of the nursing and security sectors. Accident insurance is automatically valid. YEL insurance can be taken with us or you can choose it from the free market.

DEBT COLLECTING

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If you need, we handle the collection of the invoices from the customer, however, by arranging and maintaining good relations between all parties.

Frequently asked Questions

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Our service fee is 5.5% of total VAT-free invoicing. For example, the EUR 124 invoicing (EUR 100 + VAT) with a 10% tax-rate will give you a EUR 82.99 for your account (this estimate includes an average accident insurance and the mandatoryhealth insurance payment). You can also negotiate the amount of the service charge with us if you feel that your annual total billing requires this. There aren't any hidden fees or charges.
Yes you can. Our service charge is 7,5% up to EUR 500 advances and 9% up to EUR 2500. Advances of over EUR 2500 are granted on a case-by-case basis. All advance payments are affected by the payment history of the paying company and the companys credit information. If the client is an individual, no advance salary is granted. Ninjou's users personal credit history does not affect the granting of advance salary. Ninjou reserves the right to deny advance salary if the paying companys economical status weakens.
When you work with Ninjou, you are eligible for YEL Insurance which gives a level of pension to choose from. We can take out insurance for you or you can take it independently from an insurance company of your choosing. We will advice you to get the best out of an entrepreneurs social security services.
The billing service users are entrepreneurs. Entrepreneurship affects potential earnings support by KELA if you are considered to be completely self-employed. Those who work under 18 hours per week* as an entrepreneur are considered part-time entrepreneurs, which means that some of the unemployment benefits can be obtained. *Ninjou Ltd. is not responsible for alternative decisions made by employment officials.
Yes. We primarily take the tax card via the user's own pages. We would like to see a pdf-format tax card from the Finnish tax administration or a good quality, cropped image of a paper tax card. You can also order a copy to be sent to us for free from the tax payer's website (www.vero.fi). The address is: Ninjou Oy, Lehtissaarentie 11, 40900 Säynätsalo.
You can compensate work-related costs, travel tickets and overnight (hotel) stays. Costs that are clearly related to the profession and can not be considered as normal living can reduce the cost of billing easily. You can take a picture of the receipt and send it via your own pages, just like you would send a bill. Expenses can be paid without withholding the tax when paying with the salary, but are reported to the tax administration as taxable earnings. This means that when the tax proposal arrives in the spring, one can apply for these expenses as tax-free. You can also bill the charges from the customer by specifying them to the invoice so they can be paid totally tax-free and do not have to be tax-exempted in the tax proposal.
Invoices are sent to the customers on weekdays from 9am to 4pm.

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When you decide, we will send a note of the bill to the customer. Ultimately, we can together use more robust ways to complete the billing process.
The minimum amount is 10 euros. So in reality there isn't a minimum billing amount.
You can make a cash deposit to Ninjou account, but you need a cash bill. We will make a cash bill for you and you can give it to your customer in exchange of the money. Ask instructions by mail laskutus@ninjou.fi.
Yes, I can. Ask us for help when making an invoice like this by sengind mail to laskutus@ninjou.fi.
Companies in the EU are covered by Ninjou's sales invoicing. So you can sell a product or a service to EU countries through us. You can make product or service purchases for your business around the world.
No later than the next business day following the arrival of the invoice. Often the money is in your account the same day that the bill arrives.
You will receive up-to-date e-mails from all billing and financial transactions. You will always know what is going on and you can get help from us. Talk to us on Facebook, text us +358 45 679 08 09, send an e-mail to laskutus@ninjou.fi. Or just call us 045 679 08 09 from 9am to 4pm (EET).
You will automatically receive an accident insurance and we will also pay your mandatory health insurance fee when paying the salary. In addition, you may want to include YEL-insurance, which will supplement your unemployment and health insurance coverage. YEL-insurance is mandatory if one's taxable income exceeds EUR 7645,25 (2017).

Interested

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Register as a user of our service and you can charge your customers just the same.

Register

Are You Already Our Users? log in
through the attached link.

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How it works

Ninjou is the easiest tool on the market to transform your work into cash.

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You will agree with your employer that you will be billing through Ninjou Oy.

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Sign up for our service and send your invoice through Ninjou.

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Ninjou counts on your customers and handles paperwork for you.

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Ninjou will pay for your paid work to your account and provide you a payroll.

Who are we

Jani Puustinen

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Founded by Ninjou Oy in May 2013.

laskutus@ninjou.fi
Senior advisor

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Tommi Taskinen

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Tommi Taskinen is our programmer,
which corresponds to the technical functionality of the product.

admin@ninjou.fi
Software architech

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Contact us

Please feel free to contact us via our feedback form or email. We serve you.

Address: Lehtissaarentie 11 40900 Säynätsalo

Tel.: +358 45 679 0809 9 a.m. – 4 p.m. EET

Email: laskutus@ninjou.fi

Contact Form





Address: Lehtissaarentie 11 40900 Säynätsalo

Tel.: +358 45 679 0809 9 a.m. – 4 p.m. EET

Email: laskutus@ninjou.fi