For freelancers and sole proprietorships
Put your project earnings to work between assignments
Verdiskapet analyzes your cash flow and market data continuously, and suggests how the profits should be placed and managed, without you having to monitor every day.
Setup in 60 seconds. No spreadsheets, no manual monitoring.
Get started in 60 secondsIncome fluctuates. The administration should not do that.
Most freelancers experience uneven invoicing throughout the year. Certain months provide a solid profit, others require the buffer to be used. In the meantime, the profit is often left untouched in a regular operating account, without anyone considering whether the capital could do more while you wait for the next assignment.
Verdiskapet continuously monitors cash flow and market data. When room for action arises, the system suggests a distribution adapted to your risk profile and adjusts the exposure automatically as conditions change. You keep a full overview, but don't have to follow the market manually.
From payment to placement
Payment is registered and assessed against your liquidity buffer.
The analysis engine calculates scope based on history and market data.
A proposal for placement is implemented automatically, within the agreed framework.
Four functions, one decision at a time
The platform is built to give you relevant suggestions without you having to familiarize yourself with market analysis yourself.
Predictive analytics
The models look at past billing patterns, along with current market data, to estimate how much capital can realistically be deployed without draining your buffer.
Risk management
The exposure is adapted to the risk profile you select at start-up. The system automatically limits concentration in individual positions and reduces risk when market turmoil increases.
Real-time insight
A clear dashboard shows the status of the portfolio, the expected buffer and the assessments behind the latest adjustment, updated continuously throughout the day.
Setup in one click
Connect account, confirm risk profile, and receive first proposal within 60 seconds. No spreadsheets or manual recording of income.
Built for the reality of Norwegian freelancers
Verdiskapet is designed for sole proprietorships and contractors who want the surplus between projects to do more than stand still in an operating account. The platform combines data analysis with a cautious approach to risk, rather than speculative strategies.
The system is built around three principles: comprehensible documentation of each recommendation, proper risk spreading, and a low threshold for getting started. You must be able to explain yourself why the capital is placed as it is, and what data the assessment is based on.
This is how the analysis engine works
- Connect to operating account and accounting system.
- Define the risk profile and any limitations, such as liquidity needs and time horizon.
- Receive a concrete proposal for distribution, with reasons.
- Approve or adjust the proposal. Automatic management starts immediately.
- Receive ongoing adjustments as cash flow or market changes.
Data security
All data is processed in line with the Personal Data Protection Regulation (GDPR) and stored encrypted. Verdiskapet only collects the data necessary for the analysis, and never shares account information with third parties without your consent.
Transparency about recommendations
Each recommendation from the analysis engine is logged with date, basis and expected effect. At any time, you can see why an adjustment was suggested and what data it was based on.
Three situations where the analysis makes a difference
Each freelancer has his own rhythm of income. This is how the system adapts to different phases.
When the profit would otherwise have been stagnant
A surplus of, for example, NOK 80,000 after a completed project can be left untouched for two to three months before the next assignment starts. Verdiskapet places part of the amount in line with your risk profile during this period, and withdraws it automatically when you need liquidity.
A fixed share set aside over time
For freelancers with a stable core of commissioned income, a fixed proportion of the profit can be set aside for a longer time horizon. The analysis engine proposes a distribution that takes into account the fact that you, as a sole trader, do not have the same pension scheme as an employee.
Reduced exposure when uncertainty increases
When the market indicators indicate increased uncertainty, the system reduces the exposure in more volatile instruments and moves a larger proportion to low-risk positions, until conditions stabilize.
Questions we often get
Some questions are repeated by new users. Here are the answers without any detours.
How secure is my data?
Data is encrypted both during transmission and storage, and is processed in line with the Personal Data Protection Regulation (GDPR). We only collect what is needed for the analysis and do not share account information with third parties without consent.
How much do I manage myself?
You set the risk profile and any restrictions at startup, and can adjust them at any time. Automatic management can be paused, and you can choose to approve proposals manually rather than having them implemented automatically.
Will I have access to the money when I need it?
Your liquidity needs are defined at setup. Capital that may be needed at short notice is held in instruments with quick access. A longer lock-in period is only used for the share you have agreed to be able to stand longer.
How reliable are the recommendations from the analytics engine?
The recommendations are based on historical data and real-time market information, but provide no guarantee of future returns. The model is continuously evaluated, and you always retain decision-making authority over your own portfolio.
Ready to put your profits to work between assignments?
Connect your account, choose your risk profile, and get your first recommendation within a minute.
Explore your portfolioAverage setup time: under 60 seconds.