Holded

Holded is an Business Operating System (BOS) designed for the post-SaaS fragmentation era. Its 2026 technical architecture centers on a unified GraphQL-driven data core that synchronizes financial ledgers, customer relations, and supply chain logistics in real-time. Unlike traditional ERPs that require heavy consulting, Holded employs an 'out-of-the-box' philosophy with an AI-first approach to bookkeeping and cash flow management. By leveraging machine learning models for transaction categorization and predictive liquidity analysis, Holded positions itself as the central intelligence hub for SMEs, particularly those operating within the EU and expanding globally. The platform integrates deep financial automation, including PSD2 bank synchronization and automated VAT/tax compliance engines. In the 2026 market, Holded distinguishes itself by bridging the gap between simple accounting tools and complex enterprise resource planning systems, offering a modular high-performance UI that reduces administrative overhead by up to 40% for small and medium enterprises. It effectively serves as a single source of truth for sales, operations, and finance teams.