Company details

HEADCOUNT

25-99

ORG TYPE

Startup

SECTOR

Finance

WEBSITE

https://www.folio.no

About the company

Folio AS offers a business account and related tools that sit between banking and bookkeeping for small businesses in Norway, delivered in collaboration with Sparebanken Norge. The company positions the product as a simpler “business bank” experience with integrated accounting workflows and reminders. Public company materials also describe automated company formation (stifte AS) as part of the offering, alongside a card and app-led expense flow. External coverage highlights an early funding round involving Sparebanken Vest.

Locations and presence

Folio AS is Oslo-based, with the team listed at Youngstorget in central Oslo. The company’s product and support messaging is Norway-focused and tied to local banking infrastructure via Sparebanken Norge.

Palpable Score

57.6

/ 100

Folio AS has real early-career access signals for developers, including at least one explicitly junior role and a tech stack pitch that welcomes people who are willing to learn. The score is capped by weak pay transparency and limited public evidence on repeat junior progression and retention outcomes.

Pillar 1: Early-career access

Score

12.0

/ 20

The company has publicly advertised for a junior backend developer, which is a direct entry-level access signal.
Folio has also posted developer roles that focus on “willing to learn the tools” rather than fixed years-of-experience gates.
The company does not show a steady stream of 0–3 year roles across multiple functions at the same time, so early-career access looks occasional.

Pillar 2: Hiring fairness and transparency

Score

11.8

/ 20

The company’s developer job post spells out the stack (Go, PostgreSQL, Node/TypeScript, React/GraphQL, Google Cloud) and how to apply (email), which reduces guesswork.
Folio routes applications through email and open applications, but does not publish interview stages, timelines, or what assessments look like.
The company uses culture language in listings to set expectations about team behaviour, but this is not a substitute for process transparency.

Pillar 3: Learning and support

Score

14.0

/ 20

The company’s product-team setup is described as cross-functional (developers working with design and text), which is strong learning-by-shipping exposure for early-career hires.
Folio is described in a public engineer profile as having short distance from idea to production and high trust, which can accelerate skill growth early on.
The company does not publish onboarding plans, mentoring cadence, or structured feedback routines for juniors, so support is hard to verify beyond anecdotes and role wording.

Pillar 4: Pay fairness and stability

Score

8.8

/ 20

The company states “competitive salary” and lists practical benefits like flexible hours and flexible location, but does not share pay bands.
Folio does not publish role-by-role compensation ranges in the materials reviewed, which makes early-career pay fairness hard to judge before interview.
The company’s public benefits detail is light beyond office, lunch, tools, and flexibility, so stability and total package can’t be scored higher without clearer evidence.

Pillar 5: Early-career outcomes

Score

11.0

/ 20

The company is described by a Folio developer profile as a workplace with high autonomy and fast shipping, which can translate into early responsibility growth for newer engineers.
Folio’s attempt to recruit a junior backend developer is a repeat-hiring style outcome signal, but there is not enough public history to confirm a sustained junior pipeline.
The company has very limited independent, aggregated employee feedback (reviews, promotion patterns, retention over 12–24 months), which caps confidence on outcomes.