Navor is an AI bookkeeping platform for Swiss SMEs and fiduciaries, operated by Navor Sàrl, a Lausanne limited liability company entered in the Swiss commercial register in August 2025 (UID CHE-210.561.933, bylaws dated 15 July 2025). It is founder-run: Blend Morina (data and business), Simone Roznowicz (software engineering) and Davide Roznowicz (AI and research), with Pascal Eichenberger as a fourth registered partner.
The product takes in invoices, receipts and bank statements through the web app, by email or over WhatsApp, extracts the accounting facts, proposes reconciliations and journal entries, and produces Swiss VAT statements and financial reports. Bank connectivity runs over the Swiss bLink hub, invoicing supports Swiss QR-bills including QR-IBAN and QR references, accounts can be held in several currencies, and fiduciary access is included at no extra charge on every plan. The design point is that Navor prepares work and a human approves it: actions carry a prepared, requested, approved or denied state with the actor recorded, which gives the audit trail fiduciaries need. Distribution is unusual for the category, since the same accounting agent is meant to be driven from ChatGPT, Claude, Gemini and WhatsApp rather than only from Navor's own interface. Pricing starts at €64 per month for the Starter plan (CHF 59.90, up to 50 transactions), after a 14-day trial, with 20 percent off on annual billing; the app is localised in English, German, French and Italian. Navor also describes an exploratory collaboration with two adult-protection (APEA) teams in the Canton of Valais on accounting dossiers, presented as a collaboration being shaped rather than a signed production deployment.
For a sovereignty audit this is an honest but thinly documented listing. The vendor states that financial data is stored exclusively in certified data centres in Switzerland and that AI processing runs with zero retention, and it disclosed to us up front that it publishes no DPA, no sub-processor register and no standalone hosting-region declaration. Those gaps are recorded as gaps. What is independently observable points the other way: the web app answers from Google Cloud, authentication runs on Clerk in the United States, billing on Stripe, and the headline integrations are three US-owned AI assistants, so CLOUD Act exposure is recorded as Material. Zero retention constrains what a model keeps, not which jurisdiction processes it.