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Accounting and invoicing for the part-time self-employed

A main job as an employee, a business of your own on the side: whoever works part-time for themselves has little time and still all the duties of self-employment. Saldiqo writes invoices in a few steps, records receipts by phone photo and shows how close you are to the turnover limit.

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What comes up for part-time self-employed people

Evenings and weekends

A few hours a month are left for bookkeeping. Whatever is not quick stays undone.

Keeping employer and clients apart

The side business runs separately from the main job, also in the records and on the account.

Tax return at year-end

Income and expenses of the side business belong in the tax return. Whoever collects them during the year has little to do at the end.

How Saldiqo helps

  • Invoice in a few stepsPick a contact, pick a service, send.
  • Receipts by phone photoPhotograph the receipt, expense done.
  • Overview of income and expensesOne report for the year that you can show your tax adviser or use yourself.
  • Limit in viewSaldiqo shows how much turnover is left before the exemption limit.

Typical invoice lines

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

  • Service as agreed, 3 hours
  • Flat fee for a small project
  • Material as per receipt
  • Travel, flat fee
  • Weekend surcharge
  • Credit note: discount granted afterwards

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

Do I need separate books for a side business?

Income and expenses of the side business are recorded separately from your main job. Which form applies to you, you clear with your tax adviser.

Can I use Saldiqo on my phone next to my job?

Yes. Saldiqo runs in the browser and can be used on a phone.

Do part-time self-employed people 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 part-time self-employed people 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 part-time self-employed people 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.

Try Saldiqo for free

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.