We're building infrastructure, not a marketplace. We transform messy SME data into clean, defensible, institution-grade assets through normalization, algorithmic defensibility, and accountant distribution. Truth becomes the currency. Liquidity follows naturally.
Europe faces a €10 trillion Silver Tsunami. Millions of entrepreneurs are reaching retirement age, yet 80% of SMEs never sell—they liquidate or disappear. Why? Valuation opacity. Banks blocking deals. Accountants working 60-95 hour weeks, burning out. We serve two groups trapped in a broken system: entrepreneurs who deserve fair valuations, and accountants who want to scale without burning out. Together, we're building the infrastructure the European SME economy deserves.
You've spent 40 years building your life's work. You deserve a fair valuation, not 'cocktail party' guesswork or tax fiction that banks refuse to accept. No broker pushing you into a rushed deal. No uncertain final price. Start with a free valuation to see your true value. Unlock full functionality when you're ready to seriously sell. We only earn when you successfully sell—our incentives are completely aligned.
Finally, A Fair Valuation: No more guessing. No banks blocking deals because they don't trust your numbers. Our normalization reveals your true economic value—the numbers that actually matter.
Your Business, Your Terms: Complete transparency in every calculation. Algorithmic defensibility shows every adjustment step by step. Every risk penalty is justified. You understand exactly how the valuation is built.
Success-Only Pricing: No upfront fees. No hidden costs. No brokers pushing you into quick deals. We earn a 2.5% success fee—only when you actually sell your business. Our interests are completely aligned with yours.
Trust Through Your Accountant: When your trusted accountant delivers the valuation, everyone believes it—buyers, banks, investors. Trust lives with accountants. We build where that trust already exists.
For Entrepreneurs
For Accountants
You work 60+ hour weeks. You're turning away clients. You're 25% understaffed. You want to advise, not just process numbers. But hiring is expensive, difficult, and slow. Upswitch is your leverage—transform one accountant into a valuation powerhouse. Deliver Big Four quality in minutes instead of weeks. Earn from advisory, not admin. Scale without burning out.
Scale Without Hiring: Invite clients via email—they automatically get Premium access. No additional staff needed. One accountant can deliver dozens of valuations per month. This is your leverage tool.
Big Four Methodology, In Minutes: Valuations that normally cost €20K-€50K and take weeks? Now delivered in minutes, through you. Same rigor, same defensibility, but automated through our primitives. You become the valuation expert.
Earn From Advisory, Not Admin: 0.5%-1% revenue share on successful exits from your clients. This isn't admin work—this is strategic advisory. Your interests are aligned with their success. You become their trusted advisor for the most important transaction of their lives.
You Are The Trust Layer: Sellers trust you. Buyers trust you. Banks trust you. Investors trust you. When you deliver an Upswitch valuation, everyone believes it. Trust lives with accountants. We build where that trust already exists.
For twenty years, everyone has copied the same formula: build a marketplace, hope for volume, chase transactions. A kind of Tinder for businesses. This approach fails because it focuses on the transaction instead of the truth. The real bottleneck in SME transfers has never been 'finding a buyer'—it's 'agreeing on a price.' Everything upstream of the transaction is broken: EBITDA optimized into fiction, owner benefits suppressing 'profit,' advisors negotiating from unverifiable starting points. If you build on bad inputs, you build on quicksand. We're not building a marketplace. We're building a compiler—a system that transforms messy, emotional SME data into clean, defensible, institution-grade assets. Truth in. Trust out. Liquidity follows.
SME financial statements are engineered for tax, not for valuation. The reported EBITDA is never the real economic picture. Accepting EBITDA at face value is accepting fiction. We refuse. Instead, we reconstruct economic reality from raw financial data—reversing tax optimizations, adding back owner benefits, removing family-run 'expenses,' neutralizing one-off distortions, revealing true earning power. We don't just present a valuation. We show the transformation. The before and after. The economic truth behind the story. This is the ground state of SME valuation. Without normalization, you cannot value. Everything downstream—multiples, comparables, risk adjustments, buyer negotiations—collapses without this foundation. Competitors skip this step because it's difficult and messy. That's exactly why their valuations are fiction. This makes normalization a primitive.
Value is a function of risk. Not ego. Not category. Not intuition. And definitely not rules of thumb recycled from private equity playbooks or '10× revenue because SaaS.' Our valuation engine mirrors Big Four methodology (EY, KPMG, PwC, Deloitte)—but in a transparent, explainable, defensible way. Value = (true EBITDA) × (adjusted multiple) = (true EBITDA) × (dynamic industry multiple − risk penalties + applicable premiums). Every adjustment is shown step by step. Every risk penalty is justified. Every assumption is visible. When people can see the full calculation, they trust it. When all they see is a final number, they don't. Risk in SMEs varies dramatically: owner dependency, customer concentration, operational resilience, revenue quality, churn, cashflow stability, industry volatility. Two identical 'categories' can differ in value by 10× because of risk. If you ignore risk, you cannot justify the price. If you cannot justify the price, you cannot align buyer and seller. If you cannot align buyer and seller, no platform can create liquidity. Algorithmic defensibility is necessary, foundational, and non-negotiable. This makes it a primitive.
We built Upswitch for accountants—because they are the gateway to SME owners. Not brokers. Not intermediaries with misaligned incentives. Not platforms chasing exposure. Accountants: hold the financial data, hold long-term relationships, hold fiduciary responsibility, have no incentive to manipulate value, are the only party trusted equally by both buyer and seller. In the SME ecosystem, accountants are the natural bridge between messy data and real decision-making. When they deliver a valuation, both sides believe it—the owner and the buyer. Just as Lovable turned non-engineers into developers, Upswitch turns accountants into valuation experts—giving them Big Four-level methodology in minutes instead of weeks. Where a traditional Big Four valuation costs €20K–€50K, Upswitch offers the same rigor on demand. This is the distribution unlock the market has been missing. SME transactions run on trust—and trust lives with accountants. Ignoring accountants is like trying to reinvent payments without banks. You can try, but you're fighting the gravitational center of the system. Every marketplace has ignored the trust layer, and because of that: sellers don't trust valuations, buyers don't trust valuations, banks don't trust valuations, investors don't trust valuations, even brokers don't trust valuations. But when an accountant delivers an Upswitch valuation, everyone trusts it. Trust has a natural home. We build where that trust already exists. This makes it a primitive.
SME transactions fail because each party operates in a different reality. Sellers see potential and emotional value. Buyers see risk and uncertainty. Advisors see assumptions and incomplete data. Everyone looks at the same business—but no one looks at the same truth. Without a shared reality: negotiations become emotional, assumptions keep shifting, discussions reset repeatedly, trust erodes under pressure. Upswitch creates one shared, explicit reality. A reality built from: normalized economic truth (Primitive 1) + transparent risk logic (Primitive 2) + delivered through trusted intermediaries (Primitive 3). Every party sees: the same numbers, the same assumptions, the same risks, the same logic. Not 'your truth' or 'my truth'—but the truth everyone operates on. Because without a shared reality: truth doesn't land, trust doesn't scale, matching doesn't work, liquidity never emerges. This is a structural requirement for scale. Remove this layer, and the system collapses back into negotiation chaos. This makes it a primitive.
Liquidity does not come from 'more buyers.' It comes from the right buyers, with real intent, aligned risk tolerance, and the ability to close. In today's SME market, buyer intent is: vague, implicit, hidden behind brokers, confused with exposure. Upswitch makes demand explicit, structured, and comparable. We encode buyer intent across: what they want to buy (sector, size, valuation range), why they buy (operator, investor, strategic, succession), when they buy (immediate vs opportunistic), which risks they accept, how they finance. Demand becomes signal, not noise. Liquid markets cannot exist without structured demand. Even with perfect valuations: serious buyers get lost in noise, sellers engage the wrong counterparties, negotiations fail late, brokers re-enter manually. Buyer intent is the demand-side equivalent of normalization. If you don't structure intent: matching doesn't scale, quality cannot be enforced, liquidity remains fragile. Matchmaking is not the primitive. Structured intent is. This makes it a primitive.
To fundamentally transform European SME M&A by building the first AI-driven platform that protects entrepreneurs during life-changing transitions. We standardize truth about value—the missing infrastructure layer that 26.1 million European SMEs deserve. Successful retirements. Confident new entrepreneurs. Continuity of local businesses. Stronger regions and communities. New chapters begin cleanly. Handovers work. Everyone wins. We only succeed when our customers succeed.
To become the valuation spine of Europe—the foundational infrastructure layer for every SME transaction. The Bloomberg Terminal for small business value. The FICO score of SME health. The index underpinning Europe's entrepreneurial economy. When truth is standardized, liquidity emerges naturally. Every accountant uses Upswitch for valuations. Every SME transaction references an Upswitch valuation. Every buyer, bank, and investor relies on Upswitch data. Every policymaker sees SME liquidity improve because truth is standardized. Upswitch becomes the truth engine of the European SME economy.
Our values form the foundation of everything we do at Upswitch.
You've spent 40 years building your business. It's your life's work, not just a transaction. The Silver Tsunami isn't just a statistic—it's your reality. 600,000+ European owners are 55+ with no succession plan. The emotional weight is enormous: fear of being undervalued, uncertainty about the future, concerns about your legacy. We understand. We honor the work you've put in. We respect the emotional journey. We help you find the right buyer who values what you've built.
SME M&A is plagued with fraud, misrepresentation, and 'bait-and-switch' tactics. Sellers feel exploited. Buyers feel misled. Banks block deals at the last minute because they don't trust the numbers. Through normalization and algorithmic defensibility, we protect both sides from distorted valuations. Every user is verified. Every transaction is secure. Every dataset is protected. No hidden liabilities. No aggressive add-backs. No undocumented risks. We protect the integrity of the entire process.
Brokers earn from volume—they're incentivized to close fast, not accurately. Platforms earn from listings—they're incentivized to maximize exposure, not quality. We only earn when you successfully sell. Our interests are completely aligned with yours. Clear pricing. Honest communication. Full disclosure. Our accountant distribution layer ensures valuations are delivered by trusted intermediaries—people you already know and trust. We only succeed when you succeed.
Your business is more than numbers. It's local employment. It's community continuity. It's family history. It's 40 years of your life. 80% of SMEs never sell—they liquidate, disappear, or shut down. That's a catastrophic loss of legacy, local businesses, and community fabric. We value your story. We find buyers who respect your vision. We ensure what you've built is preserved. Through Shared Reality, we ensure everyone—buyers, banks, investors—understands the true value of your legacy.
This is the most important financial decision of your life. You deserve support at every step. No upfront fees. No hidden costs. Expert guidance throughout the process. Available when you need us—not just during office hours. Our infrastructure supports successful transitions, not just transactions. We help you reduce owner dependency through tools like the Owner Dependency Index. We help you de-risk the handover. We help you exit with confidence.
Big Four valuations cost €20K-€50K and take weeks—accessible only to large companies. That's absurd. 26.1 million European SMEs deserve professional M&A services, regardless of size or location. Our free valuations democratize access to Big Four-quality methodology. Our accountant distribution layer ensures trust reaches every corner of the market—not just capitals or major cities, but regional centers and small communities too. Everyone deserves truth about value.