The questions that always come first

Not a fine, but a tax increase (penalty surcharge) or a late-filing fee, and which one depends on timing. If you report the missing information before the tax assessment is completed, the consequence is a late-filing fee: 50 euros per tax year for a natural person. If you request a correction on your own initiative only after the assessment has been completed, the tax increase is 0.5% of the added income instead of the usual 2%. In euros, the difference is small. What matters is that for repeated neglect or conduct showing obvious disregard, the tax increase is 3–10% — and it is only determined once the Tax Administration steps in itself.

All years with unreported disposals. The practical reason is the acquisition cost: if an old purchase is missing, the gain on a later sale is calculated with a zero acquisition cost, which is considerably more expensive for you than the correct figure. In addition, confirmed capital losses can be used over the next five tax years, so an old loss can reduce this year's tax. The deadline for a claim for adjustment (oikaisuvaatimus) is three years from the start of the year following the end of the tax year.

Yes. A swap is a disposal where the sale price is the fair value in euros of the asset received at the moment of the swap, and that same value becomes the acquisition cost of the asset received. This is the single most common reason self-calculations go wrong — and why there are often many times more transactions than people remember making.

If the total sale prices received in the same tax year are no more than 1 000 euros, the capital gain is not taxable income. Other assets count towards the limit too, including shares and funds, but not disposals separately designated as tax-exempt or ordinary household goods. Note that the limit is calculated from sale prices, not from the gain — and that crypto-to-crypto swaps add to sale prices, so the limit is often exceeded much earlier than people think. The flip side of the same provision is that a loss is not deductible either in that case. If you are below this limit, we'll tell you in the diagnosis and won't sell you anything.

Yes, and the reason lies in the nature of the blockchain. The address you give is public information: every transaction made with it has been readable by anyone from the moment it was recorded on the chain. So the address gives us nothing that isn't already public, and we don't collect anything hidden. The difficulty isn't obtaining the information but organising it: ten thousand transactions, several chains, swaps, bridges and sub-wallets form a mess that takes tools and time to untangle. That's exactly what you pay for.

What we will never ask for: a recovery phrase, private key, password, exchange credentials or codes. A public address cannot be used to move your funds or to log in anywhere. If someone asks you for anything else, it isn't this service.

The exchange transaction export is a different matter — it contains personal data and is handled accordingly: encrypted connection, storage within the EU, no disclosure to third parties.

At the diagnosis stage we ask for your exchange transaction export and one public wallet address, because without data there is no diagnosis — a mere guess tells neither of us anything. We process only the data the calculation requires, store it within the EU and don't disclose it to third parties. If the diagnosis doesn't lead to an engagement, the diagnosis data is deleted immediately on request and otherwise within three months at the latest. If the work proceeds to an engagement, the engagement data is kept for one year from delivery so that the basis of the calculation is available if the Tax Administration asks for further clarification. After that, the data is deleted. You can request your data or its deletion at any time.

Do, if your history is tidy: one exchange, working transaction exports, no on-chain transactions. Then software is cheaper and perfectly sufficient. Software does, however, assume you feed it complete data — and that's exactly the part most people never get done. Missing acquisitions, defunct exchanges, unrecognised swaps, bridges between chains. We do that part.

Tell us right away in the diagnosis and mention the deadline. The work is then done on an hourly basis and with priority: we compile the data, draft the response and go through it with you. We do not represent you legally and do not handle appeals to the administrative court.