Accountable vs Xolo: What’s Best for Freelancers in Belgium?

Freelancers and creative professionals most-often fly solo.

Breaking down Accountable and Xolo––in Belgium 

Almost every self-managed entrepreneur has endured the (seemingly) never-ending search for better, smarter and simpler tools to help them manage their VAT, admin and invoicing needs. 

Thankfully, some amazing services––cue Xolo Go & Leap and Accountable––have come to make freelance life a true joy. Today we’ll compare them both, with a strong focus on the criticals: ease-of-use, support, multilingual access and the ever-looming legal compliance. 

Accountable and Xolo’s platforms at a glance

Comparing the strengths and limitations of Accountable & Xolo

Why do freelancers choose Accountable?

• Local expertise: Built specifically for Belgian compliance—VAT, client listing, social contributions, and more. Great if all your work is Belgium-based. 
• Tax guarantee: If you make a reporting mistake, Accountable covers fines up to €500–€10,000 depending on the plan. Peace-of-mind included. 
• Strong AI features: Receipt scanning, expense categorization, and smart tax advice directly in the app. Quick setup and intuitive for newcomers. 
  
  

We’d consider Accountable if: You’re a Belgium-based freelancer serving local clients and prefer a fully localized tax app that covers everything.

Why do freelancers choose Xolo Go?

• Start instantly, no company needed: Invoice across the EU & beyond, expense tracking in 10 minutes, pay only per withdrawal. No bureaucracy.
• Cross-border freedom: Ideal if you serve clients in multiple countries or aren’t tied to one tax system.
• Simple, transparent fees: No monthly commitment—just 5% per invoice withdrawal. Great for flexible freelancers.
  
  

We’d consider Xolo Go if: You’re a creative or solopreneur working with mostly international clients and want fast, frictionless setup.

Why do freelancers choose Xolo Leap?

• Estonian e‑Residency company: Full European company structure, separate legal entity, ability to pay yourself via salary or dividends.
• Complete accounting & tax compliance: Xolo handles bookkeeping, VAT/IOSS/OSS, Estonian annual reports—so you don't have to worry about a thing.
• Scalable solution: Great if you plan to grow, hire team members, or eventually bring in joint owners.
  
  

We’d consider Xolo Leap if: You aim for long-term growth or need a formal business structure with EU-wide reach. Xolo Leap supports you from beginning to end.

How freelancers may use Accountable, Xolo Go and Xolo Leap

Every freelancer has a different story, and every story needs (or needed) specific circumstances to exist. Let’s break down some real-life scenarios where freelancers discovered one of these outstanding platforms.

• Maria the web designer in Antwerp: 100% Belgian clients → Accountable suits her best. Local language, full tax coverage, and tax guarantee give confidence.
• Jesse the digital nomad: Works with US & EU clients → starts with Xolo Go, sends invoices cross-border in minutes, and tracks expenses globally.
• Anna the course creator: Wants an EU company, ready to scale → chooses Xolo Leap, combines e‑Residency business structure with expert bookkeeping for smooth, supported growth.
  
  

4 major considerations for Belgian freelancers

🇧🇪 Local vs global focus

• Choose Accountable if your clients and taxes are Belgian. It’s a complete and local solution, offering everything from VAT filings to registration support.
  
  

🌍 Territory & language

• Prefer English UI and support? Xolo stands out: both Go and Leap operate fully in English—a big win for expats or expat-friendly freelancers.
  
  

💳 Cost & Pricing Model

• Accountable offers tiered monthly subscriptions starting at €15.50 with core bookkeeping, invoicing and tax filings.
• Xolo Go has no setup fee. You’ll just pay the 5% flat-rate fee and 0,9% processing fee whenever you withdraw money to your private bank account.
• Xolo Leap starts at €59/month, including company administration, tax filings and accounting.
  
  

👩‍💻 Support style

• Accountable leans on AI and “Tax Coaches” to guide you and reduce mistakes.
• Xolo offers real human accountants, especially with Leap—no chatbots doing your taxes. More personal support for complex compliance.
  

Accountable vs Xolo! Which is the better platform?

• For solo freelancers rooted in Belgium, dealing with Belgian tax and client base, Accountable provides streamlined local compliance with AI-assisted support and a tax guarantee.
• If you're expat-friendly, serve international clients, and value flexibility, Xolo Go is an easy, low-commitment way to get started quickly.
• Planning to grow your EU-wide venture, build an official company, or scale income streams? Xolo Leap offers full business support with legal structure, accounting and scalability through Estonia’s e-Residency framework.

Whether you're a creative freelancer or scaling into a digital business, Xolo gives you all the freedom without the admin weight. If you're just getting started or testing your ideas, Xolo Go offers fast, simple invoicing across borders (and an easy transition into Xolo Leap). Ready for real business growth? Xolo Leap gives you EU structure and expert accounting support, all handled in English, with no local tech jargon. Discover how Xolo Go or Xolo Leap can empower your freelance career from anywhere in the world.

👉 Explore Xolo pricing and plans

Disclaimer: Xolo and Accountable operate under different jurisdictions (Estonia vs Belgium). Please consider local tax regulations and consult a financial advisor if needed.