AI-native financial services provider Neno has raised €6.6 million. The Dutch startup combines accounting, tax services, payroll administration and business banking for SMEs in one platform. Since launching in the Netherlands in January 2026, Neno has grown to nearly 200 clients across hospitality, retail and business services. Clients include SOUS, FeedbackFruits, The Cirqle and Y Combinator-backed companies Airweave and Rally. With the capital, Neno is launching new division Neno Labs and developing what it calls "Ambient AI". Unlike traditional AI that works on request, Ambient AI continuously operates in the background, automatically processing and paying invoices within predefined guidelines whilst updating administration and cashflow forecasts. The platform centres on a realtime agentic general ledger that consolidates data from business accounts, corporate payment cards, creditors and debtors. Neno says this enables accountants to reconcile transactions and prepare VAT filings five times faster. According to the company, clients save an average of eight hours of administration monthly and twenty percent on annual accounting costs.