No more spreadsheets
Readings come in automatically and the split is calculated for you, every period. No clipboard, no copy-paste.
Divako Settlement · Fair splits
Slice the bill.
Not the neighbours.
Meter readings and supplier bills go in. Fair, traceable per-unit cost shares come out – and, if you want them, the invoices, the payment collection and the reminders too. Every cent traces back to a reading and a rule.
Book a walkthrough See how it works
- Nordic-built
- Works with your meters and billing system
- GDPR-first personal data
by floor area
by consumption
by ownership %
equal split
- Apt 1A · 64 m²
- Apt 1B · 48 m²
- Apt 2A · 86 m²
- Apt 2B · 52 m²
- Common · 12%
- Apt 3A · 50 m²
Modular by design
Take the whole chain, or just one layer of it.
Most buildings already have something – a billing system, an accountant, a property-management platform. Settlement slots into the gap and stops exactly where you want it to.
Readings and supplier bills
- 01your billing system
Allocation only
We calculate who owes what; you keep your billing system. The numbers arrive through the partner API, as CSV or JSON, or as a feed shaped the way your system expects it.
- 02your delivery, your ledger
Allocation + documents
We also produce the per-unit bill or consumption statement as a finished document, in your own branding.
- 03nothing else needed
Full settlement
Numbered invoices, email delivery, online payment, automatic payment matching, reminders and a receivables overview.
We partner with billing vendors rather than replace them. If you already have a billing system you like, keep it – take only the settlement layer.
Why it's valuable
The end of the billing spreadsheet.
Six things change the day a project moves onto Divako Settlement.
Fair and accurate
Costs follow real consumption and clear rules. Mid-period move-outs and empty units are handled correctly, automatically.
Fully transparent
Every amount on an invoice traces back to a meter reading and a rule – easy to stand behind when a resident asks.
You control the rules
Each project has its own allocation logic, set up by you – no software development, no waiting for a new version.
Audit-ready by default
Settled periods are frozen. Invoice numbers run without gaps, nothing is edited in place, and corrections are credit notes.
With or without our meters
You do not need to be a Divako metering customer. Run settlement on our meters, on someone else’s, or on readings entered by hand.
Readings → rules → invoices
The maths disappears. The fairness doesn't.
Hand us the meter data. We turn a month of messy allocation into one clean, itemised invoice per payer.
Local rules, everywhere
The details generic tools get wrong.
Cooperative settlement is governed locally – how a share is defined, what a payment reference has to look like, which register an apartment's official identifier comes from. Those rules are product features here, configured per region, not custom work quoted per customer.
Local allocation bases
- Ownership fractions – eierbrøk in Norway – as a first-class basis
- Floor area, resident count, equal shares or metered use
- Whichever basis local rules and the building's own articles require, per cost category
Local charges and payment
- Municipal water and sewage tariff rates, maintained as data
- Country-correct payment references, such as KID in Norway
- Per-project currency, versioned VAT rates and local invoicing conventions
Local registers and identity
- National identity-number validation to each country's rules
- Cadastral and apartment-register lookup, so units carry their official identifiers
- Personal identifiers pseudonymised for lookup and encrypted at rest
One engine, many regions
per-country profiles
per-project currency
versioned VAT rates
cooperative-local time zones
never summed across currencies
Trustworthy by construction
Numbers that don't move after you settle.
An invoice a board can defend, an auditor can follow and a resident can question – months after the period closed.
Period open
readings arriving · edits allowed
Settled
frozen
Minted
INV-2026-0141INV-2026-0142INV-2026-0143
Freeze and settle
When a period is settled its numbers are frozen. Invoices are minted from frozen lines, never from a live recalculation.
Gapless numbering
Invoice numbers run without gaps, per project. Nothing is edited in place – a correction is a credit note – and a resent invoice is byte-for-byte the document the recipient first received.
Full audit log
Who settled, who exported, who revealed personal data, and when.
GDPR-first personal data
Personal identifiers are pseudonymised for lookup and encrypted at rest. Revealing one is an explicit, audit-logged action.
Every line on every invoice can be expanded into the readings, the rule and the numbers that produced it.
Sources and systems
Your meters. Or none at all.
Settlement reads from the sources you already have and never writes back over your platform data. Where there is no source at all, hand-entered readings work just as well.
Divako metering
Connect a project in a few clicks. Meters and readings flow in by themselves, and people sign in with the Divako accounts they already have.
Other sources
The integration contract is source-agnostic. Any system can connect through the same thin contract, with no changes to our data model.
No meters at all
You do not need to be a Divako metering customer. Create buildings, units, residents and meters by hand or by spreadsheet import, and settle on manually entered readings. Synced and manual data live side by side in one project.
Partner API
A documented, key-authenticated REST API that serves settled billing documents in the shape the partner asks for, with its own live API documentation.
Go deeper
Three ways into the detail.
The short version is above. Each of these goes through the part of the product it names, end to end.
Allocation engine
Rules, formulas, virtual meters, mid-period ownership changes – and what happens when the meter data is messy.
How the maths works →Invoicing and payments
Documents, delivery, card and Vipps payment, bank reconciliation, reminders and receivables.
See the full chain →For property managers
Portfolio view, KPI reporting, budgets, delegated access and your branding on every document.
Manage a portfolio →Get started
See a settlement run on your own buildings.
30 minutes. We'll walk a real period – from automatic readings to a fair, itemised invoice – with your data if you want.