Everything your family owns, owes and has to renew, in one place.
Oikos keeps your properties, companies, trusts, loans, policies and documents in a single record that matches how you actually own things. Ruppert, the AI analyst we are building, will answer questions from it.
For families with roughly €2M to €10M across property, companies and trusts.
Every asset counted once, whoever holds it.
A trust owns a holding company and part of a farm. The company owns the rest and an office building. A family member owns a flat with a loan. Oikos records each link and its percentage.
Most families keep this in a spreadsheet, a filing cabinet and one person's memory.
Nobody sees the whole picture
Property sits with one advisor, loans with a bank, policies with a broker. Net worth is a guess.
Dates slip
A policy lapses, a property tax deadline passes, a fixed-rate loan resets. Usually someone finds out afterwards.
Knowledge stays in heads
When the person who knows where everything is steps away, the family starts again from paper.
Look at the same wealth through each owner.
Trusts hold companies. Companies hold buildings. A farm can be split 60/40 between two owners. Oikos records who owns what, by percentage and by date, so every view adds up and nothing is counted twice.
- Individuals, trusts, companies, partnerships and foundations in one structure.
- Shared ownership and transfers, with the full history kept.
- One family total, plus a slice for each entity.
Entity slices overlap where one entity owns part of another, so they do not add up to the family total.
A complete record, built around property.
Real estate comes first, because it is where most family wealth and most complexity sit. The rest attaches to it.
Every kind of property
Homes, rentals, land, farms, offices and developments. Cadastre references, areas, leases, valuations and the loans secured on each.
Entities and structure
Map the trusts, companies and people that hold your assets, with shares and the dates they changed.
Documents that fill themselves
Upload a deed or loan agreement in English or Greek. Ruppert proposes the fields, and you confirm each one.
Liabilities in view
Mortgages and loans with rates, payments and maturity, tied to the property that secures them.
Deadlines that find you
Insurance renewals, tax dates and loan events in one calendar, with reminders ahead of time. Next release
Ruppert, the AI analyst (planned)
Not available yet. The aim: ask in plain language and get answers that point to the records they came from.
An analyst that will only answer from your records.
Ruppert is not available yet. The aim: it reads what you have entered and uploaded, answers with sources, and tells you when it does not know. It will not tell you what to buy or sell.
- Cites its sources. Every answer should link to the property, loan or document behind it.
- Respects access. It should only see what the person asking is allowed to see.
- Asks before it writes. Anything it proposes should wait for your confirmation.
Illustration of a planned feature using sample data. Ruppert is not available yet. Information, not financial advice.
One record, three ways in.
Principals
See net worth, debts and what is due. Download a statement for your bank. Asking Ruppert is planned.
Family office managers
Do the day-to-day entry quickly, with imports, document extraction and a full audit trail of every change.
Accountants and advisors
Get scoped access to the entities you serve, or run several families under your own brand. See the advisor model.
Up and running in the order you would explain it.
Start with who owns things, then what they own. Nothing needs to be perfect on day one, and Oikos flags what is missing.
Entities
Add the people, trusts and companies in your structure and how they relate.
Country
Choose your jurisdiction so fields, calendars and terms match local practice.
Accountants and advisors
Invite the people who help you, with access limited to what they need.
Assets
Record accounts, vehicles, holdings and valuable items. Import a spreadsheet if you have one.
Real estate and loans
Add each property, who owns it, and the loans secured on it.
Documents
Drop in deeds, contracts and policies. Oikos reads text documents and proposes the details; you confirm them.
Your family's records stay yours.
One workspace per family
Each family's records are kept apart from every other family's.
Your records are exportable
Statements and spreadsheets you can take with you.
Every change logged
See who changed what, and when.
Bring your family's records out of the filing cabinet.
We are onboarding a small group of families and advisors. Tell us about your situation and we will show you Oikos with your own structure.