Accounting and invoicing for business coaches
One-to-one coaching, group programmes, workshops and mentoring over months: business coaches sell packages, partly with instalments, and work for founders and companies. Saldiqo creates instalments as a recurring invoice, bills group programmes by invoice run and separates income per programme.
What comes up for business coaches
Packages with instalments
A programme costs several thousand euros and is paid in instalments. Every instalment needs its invoice.
One-to-one and group
One-to-one coaching by sessions, a group programme with a fixed price per participant.
Clients from several countries
Participants and companies come from different countries. The tax type has to be right.
How Saldiqo helps
- Instalments as a recurring invoicePer participant, on a fixed date.
- Group programmes by invoice runParticipant list as CSV.
- Cost centre per programmeIncome and expenses per programme.
- Reverse chargeFor businesses in the EU.
Typical invoice lines
Examples that often appear on invoices in this industry. You set the prices yourself.
- Coaching programme, 6 months, instalment 1 of 6
- One-to-one coaching, 90 minutes
- Group programme, seats 1 to 12
- Full-day workshop
- Additional session by effort
- Material as per receipt
Tax and invoicing in Cyprus
What applies to invoices in Cyprus, in short. As of October 2026.
- VAT
- Rates 19 %, 9 %, 5 % and 3 %, plus 0 % until 31 December 2026 for infant milk, nappies, hygiene products and fresh fruit and vegetables.
- VAT registration
- The threshold is €15,600 of taxable turnover over 12 months, or expected within the next 30 days. If you sell services to businesses in other EU countries, you generally register from the first sale. Until you are registered, Saldiqo leaves VAT off and adds up your turnover.
- What goes on an invoice
- Even businesses that are not VAT registered must issue invoices and receipts. Companies show their name, HE number, the words “private company” where they apply, and their registered office. Notes such as reverse charge appear in Greek and English.
- Invoice timing
- Issue invoices within 30 days.
- E-invoicing
- There is no mandate. Public bodies accept e-invoices (Peppol BIS 3.0) and suppliers send them voluntarily. EU rules follow from 1 July 2030.
- VAT returns
- VAT4 returns are filed online through TFA, quarterly with staggered periods, by the 10th of the second month after the period, moved to the next working day if it falls on a weekend. Saldiqo does not file returns.
- Record keeping
- Plan for 10 years. The minimum is 6 years, VAT records can need up to 7 years, and OSS records 10 years.
- Late payment
- Interest on late business payments is 10.40 %, plus €40 compensation between businesses.
- Languages
- Use Saldiqo in Greek or English and send invoices in either language.
Frequently asked questions
How do I bill programmes with instalments?
With a recurring invoice per participant. It is created on a fixed date.
Can I evaluate programmes separately?
Yes, with cost centres per programme.
Do business coaches in Cyprus have to charge VAT?
Once they are registered, yes. The threshold is €15,600 over 12 months, or expected within 30 days. Services to businesses in other EU countries require registration from the first sale.
Do business coaches in Cyprus need e-invoicing?
No. Public bodies accept e-invoices through Peppol and suppliers use it voluntarily. EU rules follow from July 2030, so PDF invoices remain fine today.
How long should business coaches keep invoices?
Plan for 10 years: the minimum is 6 years, VAT records can need up to 7 and OSS records 10. You can store receipts digitally in Saldiqo. The legal duty to keep records stays with you.
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As of October 2026. General information, not legal or tax advice, without guarantee. For your case ask your tax adviser.