Emil Munk is Co-Founder of Balance (YC W26), an AI-native accounting firm providing real-time, audit-ready bookkeeping and accounting for SMBs. Balance's AI agent Bea handles reconciliation, categorization, and reporting while human accountants review books and file returns.

Emil previously worked at McKinsey & Company as a consultant, served as a Founders Associate at Kapa AI (YC S23), and worked in Product at Encord (YC W21). He brings experience from scaling vertical AI applications across multiple YC companies.

Emil co-founded Balance alongside Mathias Lovring (former CFO at Female Invest) and Gus Levinson (AI researcher from Imperial and Oxford). The team combines expertise from McKinsey, 3 YC companies, and hands-on experience building finance teams at high-growth startups.

Balance is part of Y Combinator's Winter 2026 batch and addresses the $680B accounting services industry where 80% of firms still rely on manual processes. The platform integrates with Slack, WhatsApp, and email to provide founders with an outsourced finance function.

Balance enables small business owners to reclaim 20+ hours per week previously spent on bookkeeping tasks. The AI-powered platform provides real-time financial insights without waiting on PDFs or parsing spreadsheets, making accounting accessible and responsive for growing companies.