Books that arrive balanced
Every record posts as it’s saved. An invoice, bill, bank transaction or payslip writes its own balanced entry to the general ledger. There’s no batch to post and no sync to wait for.
Accrual from the first invoice. Invoices and bills sit in receivables and payables from their date until a payment clears them.
The document is the source. Change an invoice or bill and its entry changes with it, so the ledger never disagrees with the paperwork. Your adjustments go in as manual journals.
Onboarding without the overtime
Switching a client to stub? The stub agent walks you across in switch mode, one step at a time, from whatever the books were kept in before. Nothing goes into the books until you say so. Prefer to do it by hand? Upload a trial balance for the opening balances, and import the chart of accounts, customers and suppliers as they are.
A demo of the stub agent switching a business to stub, with made-up figures. Given the business’s trial balance, it matches 42 of 44 accounts, lists the two new ones, and asks before posting the opening balances.
Debits, credits and fewer edits
Your sign-off sticks. A month you’ve closed keeps the figures you filed, and the pack you send reads from the same ledger.
Locked means locked
Lock a period once it’s filed. If anyone edits something in it later, the change waits for you to post in the locked month, carry forward or move to another date. No more surprise restatements.
Packs your partners will actually read
Choose the reports, put them in order and pick the period, then download the whole management pack as one PDF.
Returns from the ledger. VAT, provisional and income tax returns with their due dates.
Manual journals in the general ledger, with as many lines as the entry needs.
Your chart, your codes. Add, rename and recode accounts, or import a whole chart.
Accounting rules. Pick the default accounts for sales, purchases and tax, and the account behind each bank account and loan.
Trial balance, net or gross, at a date or over a range, with the period’s net profit.
Drill down from any figure in a report to the entries behind it.
Compare periods. Put the profit and loss side by side by month, by year or by tag.
Tags for projects, branches and departments, and reports split by them.
Multi-currency. Invoice and pay in other currencies, with the exchange rate tracked on every document.
Fixed asset register, with depreciation on each asset.
Source documents attached. The receipt or statement sits on the record it supports.
Bulk edit. Recategorise or tag a whole run of transactions at once.
Saved views. Filter a list once and keep the view for next month.
Activity log. Every change, by whom and when: you, your client, an app or stub itself.
Trash. A deleted record can be restored, so a mistake isn’t permanent.
Custom access. Choose exactly what each person can do, on Growing Business and up.
Why we rebuilt the ledger
The double-entry ledger has lasted 500 years. What eats month-end is the busywork at its seams: capturing, checking, classifying and reconciling. stub is changing all that with an intelligent ledger, built from the ground up for the modern era.