About RozoFinance

We built this for the people
Rīga doesn't see.

Couriers who drive Wolt and Bolt through the dark months. Students tutoring online to make rent. Photographers and designers freelancing on long visas. Latvia's self-employed are 9% of the workforce and most have never opened EDS without help. We're here to do it for them — for €7 a month.

Start €7/month plan Say hi on WhatsApp
Our story

Started after a permit refusal we'll never forget.

In autumn 2023 a friend of ours — a Wolt courier from Pune who had been in Latvia three years — was refused his residence-permit renewal. The reason: €211 of registered VSAOI debt. €211. He had no idea he owed anything. He had never opened EDS.

We spent six weeks helping him: filed the back-due VSAOI, paid the penalty, drafted the appeal, walked it through PMLP. He got his permit. But while we worked on his case we met four other couriers in the same situation. Two had already gone home.

RozoFinance started as a way to make sure none of them would again. We file VSAOI quarterly for €7 a month so the debt never builds, the threshold never breaches, and the permit renewal is routine instead of a crisis.

How we work

Four principles that don't move.

Plain English, plain numbers

We don't use the words VID uses in their letters until we've explained them. Every quote is the all-in number — no hidden margin, no asterisk.

WhatsApp before anything else

Our customers live on WhatsApp. So that's where we are. Santa reads your message and replies — no ticket numbers, no chatbot menus.

Permit safety is the product

The €150 PMLP threshold drives every decision we make. We monitor it, surface it, and act on it before it becomes a crisis.

One price. No upsell.

Self-employed accounting is €7/month. Everything is included — VSAOI, GID, PVN if you cross €50,000, VID letter handling, penalty appeals. No tiers.

Who we serve

Self-employed people who came to Latvia for work.

Around 65% of our customers are Indian, Pakistani, Nepali or Bangladeshi. Around 20% are Latvian gig workers. The rest are EU freelancers in Riga. Our copy is in English because that's the language we file in — but we work in Hindi, Urdu, Russian and Bengali through Santa's direct line.

Regulation & office

Riga, Latvia. Registered locally.

RozoFinance SIA is registered with the Latvian Commercial Register. Our tax filings are submitted under a qualified tax-practitioner authority. Our loans and currency operations are conducted from our Riga office in line with Latvian consumer-credit and AML law.

Specific registration numbers will appear in the footer once the founder confirms the final corporate filings.

  • OfficeRiga, Latvia · Address visible at booking
  • SIALatvian Commercial Register #TBD
  • VATLV#TBD
  • Tax practitionerQualified · authority #TBD
  • GDPREU data residency · Encryption at rest
Self-employed plan

Start the €7/month plan.

First month free. No credit card to start. Real human on WhatsApp within an hour.

€7 / month · Cancel anytime
Or come say hi

Riga office.

Mon–Fri 10:00–18:00 EET. WhatsApp ahead so we're ready for you. No appointment fee.

Walk-in or appointment