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Accounting and invoicing for midwives

Antenatal care, birth preparation, postnatal care, courses and on-call duty: midwives bill much through insurers, and beside it are self-pay services and courses. Saldiqo writes these invoices, creates course invoices by invoice run and records travel costs and material.

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What comes up for midwives

Insurer and self-pay

Insurer billing runs through its own routes. Extra services and courses are self-pay invoices.

Courses and groups

Birth preparation, postnatal classes and baby massage are booked and paid in blocks.

Travel and on-call

Home visits bring travel costs, on-call duty its own flat fees.

How Saldiqo helps

  • Courses by invoice runParticipant list as CSV, all invoices as drafts.
  • Self-pay servicesServices as items, with a tax note if you like.
  • Record travel costsReceipts for travel and parking.
  • RemindersA friendly reminder with a deadline.

Typical invoice lines

Examples that often appear on invoices in this industry. You set the prices yourself.

  • Birth preparation course, 6 sessions
  • Postnatal class, 8 sessions
  • On-call duty, flat fee
  • Extra service home visit
  • Baby massage, course
  • 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

Does Saldiqo replace insurer billing?

No. Billing with insurers runs through its own routes. Saldiqo is for self-pay and courses.

Can I bill courses for many participants?

Yes. With an invoice run you create all invoices from a CSV file.

Do midwives 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 midwives 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 midwives 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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Write invoices, match payments, collect receipts and send reminders: free and without a trial period.

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As of October 2026. General information, not legal or tax advice, without guarantee. For your case ask your tax adviser.