Chift raises €10.5M Series A to connect Europe’s financial software
BlackFin leads a €10.5M Series A in Brussels-based Chift, whose single API already connects 150+ software companies and 50,000 SMEs to Europe's fragmented financial systems.
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Founded 2022 · Brussels, Belgium
Brussels-based Chift has raised a €10.5M Series A led by BlackFin Capital Partners, with Entourage, Shapers, Seeder Fund and Wallonie Entreprendre all following on, to become the connectivity layer between Europe’s software vendors and the continent’s fragmented financial systems.
Every European fintech deck complains about fragmentation – dozens of national accounting suites, invoicing tools and point-of-sale systems that refuse to talk to each other. Very few companies get paid to fix it. Chift does, and after tenfold revenue growth in two years, the money has noticed. Below, I lay out the round, the company, and why the dull-sounding business of financial integrations is suddenly one of the fastest-compounding corners of European software.
BlackFin leads, the whole seed table follows on
The round was announced on 14 September 2026: €10.5M, led by BlackFin Capital Partners, the Paris-based investor that does nothing but financial services and fintech. Every earlier backer re-upped – Entourage, the Belgian venture firm that led Chift’s €2.3M seed in 2024, alongside fintech fund Shapers, Seeder Fund and Wallonie Entreprendre, the Walloon public investor. Total raised now stands at €12.8M.
The money goes to expansion into every major European market and deeper AI capability – integrations that configure themselves rather than waiting for an engineer. “Financial data connectivity is genuinely hard to build, particularly in Europe,” said BlackFin’s Pauline Brunel in the announcement. “That difficulty is what makes Chift’s position valuable.”
She is saying the quiet part plainly: the mess is the moat.
One API instead of 120 integrations
Founded in 2022 by Gauthier Henroz, Henry Hertoghe and Matthieu Hertoghe, Chift gives software companies a single API that connects their product to more than 120 financial systems across six categories – accounting, invoicing, point-of-sale, e-commerce, payments and property management. Build the integration once, reach them all.
The customer list is the argument. More than 150 software companies use it, including Revolut, Qonto, Pennylane and Mollie, and between them they connect over 50,000 SMEs to their financial data (EU-Startups, 14 Sep 2026). Revenue has grown more than tenfold since the 2024 seed, per the announcement. The team is still just 35 people in Brussels.
The European twist matters here. An American unified-API player can integrate QuickBooks and cover half its market; Europe runs on a different accounting stack in nearly every country. That is exactly the drudgery no venture-scale US company wants – and exactly why a Belgian one, born multilingual and multi-system, can build something defensible out of it. Chift has even shipped Model Context Protocol servers so AI agents can plug into the same rails.
A market compounding at 28.2% under the plumbing
No analyst publishes a clean number for the unified financial API layer itself – worth saying plainly rather than inventing one. The nearest sized proxy is open banking, the regulated data-access market PSD2 created: forecast to reach $288.36bn globally by 2033, compounding at 28.2% a year from 2026 (Grand View Research, Apr 2026). Chift sells the picks and shovels one layer up, where SME financial data lives in software rather than banks.
Our own records say the stage price is right too. In the same week, Dublin’s ZeroRisk raised a €8.6M Series A led by MiddleGame Ventures and Rouen’s Olenbee closed €7M for meal-voucher payments. At €10.5M, Chift sits comfortably in the range European fintech infrastructure now commands at Series A – money that once chased consumer apps, now paying for the rails beneath them.
Brussels rules, Brussels startup
What we are seeing is a Brussels company monetising what the other Brussels produces. PSD2 opened the banks; the VAT in the Digital Age package and national e-invoicing mandates are now forcing every invoice in Europe through structured digital channels. Each new rule multiplies the number of systems software vendors must connect to – and Henroz is candid about the tailwind: “AI and e-invoicing are rebuilding the entire financial software market,” he said in the announcement.
So who wins when regulation keeps redrawing the pipes? The good news is that this time the answer looks European: the fragmentation that makes our market hard to enter is, for once, working as a defence rather than a tax. A specialist fintech fund leading a Belgian infrastructure round, with a public Walloon investor at the table, is what that thesis looks like in practice.
What to watch is the AI layer. If agents start executing financial workflows for SMEs, they will need exactly this kind of structured, permissioned access to accounting and payment systems – and the companies holding those connections become the tollbooths. Imagine if Europe’s fragmented back office, our oldest running joke, turned out to be the reason the financial AI stack gets built here.
Every round we track lives on the fundraising tracker, Chift’s profile included. Keep an eye on the plumbing – that is where this cycle’s compounding is happening!
