The nine-person Spanish start-up says its platform learns each company's undocumented accounting criteria and books 86% to 93% of documents without human intervention.

Image: Talky co-founders Jorge Beamonte and Maximilian Letón. Photo: Talky, via EU-Startups.

Talky Labs, a Madrid start-up applying AI to accounting and financial operations, has raised €1.5 million in a pre-seed round. The round closed in September and was announced this week. The company will use the money to grow its team, develop its product, strengthen its technical infrastructure and work towards international expansion.

Venture firms HelloWorld, Silence VC and Motive Force took part, along with Aera Capital, according to EU-Startups. Angel investors include Sebastián Gunningham, chief executive of Remitly; Paul Golbaum, chief executive of Lightbase and former CTO of Seedtag; and Javier Morenés.

Accounting rules that live in people's heads

Jorge Beamonte (CEO) and Maximilian Letón (COO) founded Talky in 2025. The start-up targets a familiar problem in corporate finance departments. Booking an invoice often means checking it against the purchase order, the contract, internal policies and the supplier's history. That information is scattered across software systems, spreadsheets, emails and individual staff, so exceptions still end up on a person's desk.

Talky's platform learns from a company's accounting history, meaning how similar transactions were handled in the past, and from its finance team, adding to that knowledge every time it asks an accountant to resolve a question. When it lacks the information to make a decision, it identifies the right employee to ask. It reads invoices, suggests accounting entries, reviews tax information and reconciles bank transactions before recording the result in the client's ERP system. Each entry stays linked to the information and criteria behind it, which makes it easier to review and audit.

"Every company has its own way of doing accounting, and it is almost never written down. Talky learns that criterion, applies it to the difficult cases and turns it into information for better decisions," said Beamonte (translated from Spanish).

According to the company, Talky books between 86% and 93% of the documents it processes without human intervention. With a team of nine, including software engineers and mathematicians, it says it has processed more than 1.8 million documents and more than €2 billion in client spending. It is aiming at large national and multinational companies and at financial services providers that handle high volumes of transactions.

Why it matters

AI for finance back offices is one of the busiest early-stage categories in Europe this year. EU-Startups lists comparable 2026 rounds for Dytto in Belgium, Plinto in Denmark, mika in Germany, Zalos in the UK and Dolfin in Barcelona. Belgium's Ravical raised $17 million this week for a similar push in accounting firms. Talky's angle is the long tail of exceptions that rule-based automation leaves behind, and its claim that the decisions it records stay auditable. That matters to European finance teams working under strict reporting and audit rules. For Spain's start-up scene, the round adds a Madrid name to a category so far dominated by northern European players.

Sources

• EU-Startups, 30 October 2026, including company statements
• El Referente, 29 October 2026 (Spanish)
• Expansión, 29 October 2026 (Spanish)