Launching 31 October 2026

An AI-native business operating system for Indonesian SMEs

A one-stop SaaS solution: ERP, CRM, project management, HRIS & payroll and manufacturing — in one data model, not five applications copying numbers between each other.

An AI accountant (Zilva) that makes your books reliable without hiring an accounting team of your own.

Zilva is trained by a former Big Four auditor with 9 years of experience at Ernst & Young Indonesia, KPMG Indonesia, and Deloitte Brunei.

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There is a free plan to start with. No credit card required.

Intelligence inside the product

Four things Zilva's AI does

Not a chatbot bolted onto the corner of the screen. All four work directly on your ledger, inventory and cash flow.

Zero manual entry

Photograph a receipt, a bill or an invoice and OCR takes it in. Zilva reads the vendor, date, amount and VAT, then proposes a posting to the right account — you only approve it. Journal entry stops being typing work.

Real-time fraud & anomaly detection

Duplicate payments, purchase prices that suddenly drift, stock leaving against the usual pattern, journals created outside working hours. Zilva flags them as the transaction happens, not ten months later during the audit.

Cash flow forecasting

From your receivable ageing, payable schedule and your own seasonal patterns, Zilva projects your cash position weeks ahead — and shows you which week will be tight before that week arrives.

Conversational tax & finance assistant

Ask in plain language: “what was gross profit for the Surabaya branch last month?”, “how much income tax for this new employee?”. Answers come from your live data, not from the model's memory.

Coverage

One product, not five subscriptions

Every module writes to the same ledger. A sale you record today is already a receivable, a journal entry and a line in your P&L in the same second.

Accounting

General ledger, manual journals, trial balance, financial statements, fixed assets, loans, exchange rates, period close.

Sales

Quotations, sales orders, delivery notes, invoices, returns & credit notes, receivable cards, receivable ageing.

Purchasing

Purchase requests, purchase orders, goods receipts, supplier invoices, commitments, payable cards.

Inventory

Multi-warehouse and multi-branch, inter-warehouse transfers, stock counts, batch/lot & expiry, serial numbers, reorder points, stock cards.

Manufacturing

Bill of materials, production plans & orders, scheduling, cost collectors, production period close, variance analysis.

CRM

Leads, sales pipeline, deals, contacts, activities, due follow-ups, reports — wired straight into quotations and invoices.

Project Management

Engagement list, a project workspace per client, a project dimension on every journal, and a progress dashboard.

Consolidation & Intercompany Elimination

Combined financial statements across entities, with intercompany transactions eliminated so internal sales and balances are not counted twice.

Multi-currency

Transactions in multiple currencies, rates by date, revaluation of foreign currency balances, and exchange differences that post themselves.

Automatic Journal Entries

Every transaction — sales, purchasing, inventory, payroll, manufacturing — creates its own journal. There is no manual posting step to forget.

HRIS & Payroll

Employee records, attendance, pay components & rates, payroll calculation, and income tax withholding that posts straight to the ledger.

Cash & Bank

Bank accounts, receipts, payments, automatic matching rules, and bank reconciliation.

Business Analytics

Profitability by product and customer, selling price setting, cost of goods, budgeting, cash flow projections, variance analysis.

Taxation

VAT (PPN) and income taxes PPh 21, PPh 23, PPh 25 and corporate income tax, with rates that follow the period they apply to.

Users & Permissions

Roles, per-menu and per-row permissions, user invitations, an audit trail, plus a separate portal for your own clients.

Compliance

Built for Indonesian tax rules

Not foreign software localised as an afterthought. Tax calculation is part of the data model, not a spreadsheet attachment at month end.

Already in the product

PPh 21 — employee income tax following the TER scheme and the rate brackets in force for the period.
PPh 23 — withholding on services, rent and royalties, together with the withholding slips.
PPh 25 — monthly instalments tied to profit for the period.
Corporate income tax — fiscal reconciliation and the annual computation.
VAT (PPN) — output and input tax straight from sales and purchase invoices.
Coretax data export — data ready to upload for filing.

Being finalised not yet available

Direct e-Faktur & Coretax integration through a licensed PJAP partner, so tax invoices are issued from inside Zilva without manual uploads.

Direct e-Faktur & Coretax integration through a licensed PJAP partner is being finalised. We will let waitlist members know as soon as it is live.

Pricing

Starts with a free plan

There is a free plan for businesses just beginning to put their books in order — enough to run a full sales, purchasing and general ledger cycle.

Paid plan details are being finalised and will be announced to the waitlist first.

Join the waitlist

Project milestone

31 October 2026

Launch with 14 industry templates.

Waitlist

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Launching 31 October 2026. Leave your email address and we will let you know when sign-up opens, along with the plan details.