Accounting, financial operations and payment infrastructure.
Bookkeeping, VAT, payroll, audit coordination, financial and management reporting — plus payment solutions, fiat banking support and crypto processing. One department, one account lead.
Four areas. One coordinated finance function.
Core Accounting
Bookkeeping, VAT, payroll, audit, tax compliance, financial and management reporting.
Payment Solutions
PSP, EMI and merchant-account coordination — including for regulated and high-risk activities.
Banking & Payment Infrastructure
Fiat banking solutions and crypto-processing onboarding, treasury and safeguarding support.
Cyprus & International
Support for Cyprus companies, international group structures and startup operational foundations.
Bookkeeping, VAT, payroll and reporting.
The day-to-day work that keeps a business audit-ready, investor-readable and on top of its tax position. We run it in-house with named accountants, not subcontracted to lowest-cost providers.
Bookkeeping
Day-to-day ledger maintenance, multi-currency support, reconciliations and supporting documentation organised for audit and management review.
Monthly accounting
Closing the books each month: accruals, reconciliations, VAT preparation, management accounts, board-ready P&L and cash-flow.
VAT
VAT registration, periodic returns, MOSS / OSS where applicable, intra-EU triangulation, recovery support and VAT advisory on cross-border transactions.
Payroll
Monthly payroll, social-insurance filings, IR59 / TD7 forms, payslips, expat tax setup for international hires.
Audit coordination
Year-end audit pack preparation, working with statutory auditors, audit-trail documentation, audit-recommendation follow-through.
Tax compliance
Statutory corporate income-tax filings, provisional tax (TD6), Special Defence Contribution where applicable, withholding tax, transfer-pricing documentation where required.
Financial reporting
IFRS-aligned statutory accounts, consolidations across group entities, comparatives and notes for investor-grade output.
Management reporting
Monthly board pack, cash-flow forecasting, KPI dashboards and management commentary — calibrated to your operating reality, not boilerplate templates.
PSP, EMI and merchant-account coordination.
Identifying, negotiating and onboarding the right payment partners for your business model — including for regulated and higher-risk industries where consumer-grade providers will not work. Payment solutions sit inside Accounting because they are a financial-operations workstream, not a stand-alone product.
PSP selection & onboarding
Mapping your product flow against PSP capabilities, negotiating commercial terms and managing the technical and compliance onboarding.
EMI coordination
For businesses that operate alongside an EMI partner (BaaS, agency programmes, e-money issuance via a principal), we coordinate the commercial, compliance and operational interface.
Merchant accounts
Visa and Mastercard acquiring for higher-risk MCC codes, alternative payment methods for target markets, fall-back rails for business continuity.
Reconciliation & settlement
Settlement reporting, chargeback handling, fee analysis and reconciliation between PSP, bank and accounting ledger — so finance doesn't reconcile in spreadsheets.
Safeguarding (EMI / PI)
For licensed EMIs and payment institutions: safeguarding-account selection, segregation procedures and the audit-trail expected by the regulator.
Ongoing payments operations
Quarterly partner review, fee benchmarking, rail rebalancing as volumes shift, and renegotiation when the business outgrows its current commercials.
Fiat banking. Crypto processing. Treasury.
Banking is the most fragile part of an operating business. We help identify, onboard and maintain a banking and processing setup that fits the activity — without overpromising on bank acceptance.
Fiat banking solutions for high-risk businesses
For companies in industries with high-risk classifications, we identify banking partners with relevant appetite, pre-qualify the file before submission, and apply to multiple counterparties in parallel where warranted. Bank approval is at each bank's discretion — we focus on candidate fit and file quality.
Crypto processing solutions
For licensed crypto businesses and adjacent industries, identification, negotiation and onboarding of crypto-processing providers covering fiat on/off-ramps, stablecoin settlement and crypto card acquiring — coordinated with the licensing department where applicable.
Operating and safeguarding accounts
Primary operating account, secondary back-up for resilience, safeguarding accounts for EMI/PI structures, and currency coverage in EUR, USD and GBP where required.
Treasury and FX
Multi-currency treasury setup, FX lines for payouts in local currencies, hedging where the exposure crosses reporting periods, and treasury policy documentation for audit and investor diligence.
We do not list specific bank names publicly. The shortlist for your file is shared under NDA during scope.
Support for Cyprus companies, international structures and startup foundations.
Whether you operate one Cyprus company, a multi-entity international group or a young startup that needs everything set up correctly the first time — the same coordinated finance function fits each shape.
For Cyprus companies
Local bookkeeping, VAT, payroll and statutory reporting — handled by people in Limassol who know the local registry, tax authority and the practical realities of Cyprus filing calendars.
For international business structures
Cross-entity consolidation, intercompany reconciliation, transfer-pricing documentation, multi-jurisdiction VAT handling and reporting in the formats your group auditor expects.
Startup operational foundations
For new businesses, one engagement to set up the essential processes: chart of accounts, monthly bookkeeping rhythm, VAT registration where needed, payroll, AML/KYC framework where the activity requires it, banking and payment processing.
Cyprus offers a Modified Nexus IP Box regime that can deliver an effective tax rate as low as approximately 2.5% on qualifying profit from qualifying intellectual property, subject to the nexus formula and the specifics of the IP and its development. Dividend income may be exempt from Cyprus tax for individuals who are Cyprus tax residents but non-domiciled under current law, subject to eligibility and the broader picture of an individual's tax position. We confirm what is realistic for your specific structure in a tax review.
Cross-border tax strategy for regulated and international businesses.
Bookkeeping is the floor, not the ceiling. For regulated and international businesses, tax structuring — holding architecture, cross-border flows, transfer pricing, IP positioning — is where significant value is built or lost. We work on this in coordination with the corporate structuring that licensing and banking require.
Corporate tax planning
Statutory corporate income-tax optimisation for Cyprus companies, including provisional tax, utilisation of losses and group-relief strategies where applicable under Cyprus law.
Cross-border tax structuring
Holding company design, dividend routing, royalty flows, PE risk assessment and permanent-establishment planning for groups operating across multiple jurisdictions.
Cyprus IP Box regime
Modified Nexus IP Box can deliver an effective rate as low as approximately 2.5% on qualifying IP profit. We assess nexus eligibility, structure the R&D contribution trail and document the qualifying asset correctly from day one.
Transfer pricing documentation
Intercompany agreements, TP policy, benchmarking documentation and country-by-country readiness for groups that cross the reporting thresholds — prepared to the standard of a statutory audit, not a checkbox exercise.
VAT optimisation
Cross-border VAT advisory on B2B and B2C digital services, EU triangulation, OSS/MOSS and reverse-charge mechanics — structured to avoid double taxation and unnecessary registration obligations.
Founder & personal tax residency
Cyprus non-domicile analysis, 60-day rule, tax-residency certificates, dividend-exemption eligibility and coordination with personal banking and immigration status — mapped to the actual operating structure, not generic advice.
Tax structuring outcomes depend on the specific facts of each engagement: corporate structure, transaction flows, residency of UBOs, applicable tax treaties and current Cyprus law. All figures referenced on this page — including the IP Box effective rate — are indicative only. We confirm what is achievable for your specific structure in a dedicated tax review, not in a generic consultation.
Finance & Accounting deliverables.
Concrete outputs at each stage of the engagement — not a retainer for "ongoing support" with no defined scope.
Accounting setup and monthly filing calendar
VAT, payroll and tax compliance workflow
Banking and PSP application file
Payment reconciliation and settlement reporting logic
Audit-ready documentation and financial reporting pack
Tax and cross-border flow recommendations
Management accounts and board-ready P&L
Transfer pricing documentation where required
Treasury policy and FX coverage documentation
Common questions about Accounting and payments.
Do you provide accounting services for Cyprus companies?
Yes. Bookkeeping, monthly management accounts, VAT registration and filing, payroll, audit coordination, statutory tax filings and IFRS-aligned financial reporting for Cyprus-registered companies and Cyprus branches of international groups.
Are payment solutions part of your accounting department?
Yes. Payment solutions sit inside Accounting because they're a financial-operations workstream: PSP, EMI and merchant-account coordination, fiat banking setup and crypto processing for compliant businesses. We do not treat banking as a stand-alone product.
Can you help with fiat banking and crypto payment processing?
Yes. We assist with onboarding to fiat banking partners that are willing to work with regulated high-risk businesses, and with selecting and onboarding crypto-processing providers for businesses that need fiat on/off-ramps, stablecoin settlement or crypto card acquiring. Bank acceptance is never guaranteed — we pre-qualify each file before submission.
Do you guarantee a bank will open an account for my company?
No. Bank-account opening is at the sole discretion of the bank and its compliance team. We prepare files to a high standard, pre-qualify against bank appetite where possible and apply to multiple counterparties — but no consultant can guarantee a bank's decision.
Can you help startups set up the operational foundations from scratch?
Yes. For new businesses we implement the essentials in one engagement: chart of accounts, monthly bookkeeping rhythm, VAT registration where needed, payroll, AML/KYC framework where the activity requires it, and the corporate banking and payment-processing setup.
How does the engagement work — fixed fee or hourly?
Recurring accounting (bookkeeping, VAT, payroll, monthly close) runs on a monthly retainer fixed at scope. Project work (audit coordination, banking onboarding, payment-processor selection) is scoped and priced separately. We do not bill hourly for routine recurring work.
Finance function that fits the business. Set it up once.
30-minute consultation. You leave with a view on the right structure for accounting, payments and banking for your specific operation.