Pre Seed · Fintech · Helsinki, Finland · Founded 2026 · 1–10 employees
Bear is a full-stack, AI-native accounting firm providing integrated end-to-end accounting services for startups and small businesses. The platform deploys autonomous AI agents to manage routine administration, including bookkeeping, bank reconciliation, invoicing, payroll, and monthly closes, while certified human accountants review and sign off on all filings. Founded in 2026 by Sami Laakkonen, Riki Karjalainen, Veikko Pere, and Pietari Virkkunen, the Helsinki-based company operates by replacing traditional software with a managed service model. Bear was selected as part of the Y Combinator Summer 2026 cohort, marking early validation of its agentic model in the accounting sector.
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