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Accounting and invoicing for tradespeople

Write the quote, order the material, work on site, send a stage invoice, write the final invoice: tradespeople do not invoice at a desk but between two jobs. Saldiqo takes you from the quote to the paid invoice.

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What comes up for tradespeople

Jobs that run for weeks

A roof, a bathroom, a heating system: the job takes time and the money comes in stages. You need a quote, an order confirmation, stage invoices and a final invoice that ties everything together.

Material and labour kept apart

Customers and insurers want to see material, labour and call-out separately. An invoice with lump sums brings questions.

Receipts on site

Builders’ merchant, wholesaler, petrol station: receipts are in the van, not in the office. The longer they lie there, the more get lost.

Payment behaviour

Open invoices are the most common reason for cash problems in the trades. If you chase too late, you wait for months.

How Saldiqo helps

  • Quote, order confirmation, invoiceThe quote turns into the order confirmation, and that into the invoice. You write positions and prices once.
  • Stage and final invoicesStage invoices by progress are created straight from the quote. The final invoice deducts them automatically.
  • Delivery notes for materialDelivery notes stay linked to the job, so you can later show what was delivered when.
  • Time tracking and invoice from timeStart and stop on your phone, and Saldiqo creates the invoice line from the recorded hours.
  • Cost centre per siteAssign material and time to a site and see whether the job paid off.
  • Reminders with deadlinesPayment reminder and reminder levels with fixed deadlines and fees, sent with one click.

Typical invoice lines

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

  • Skilled worker, hour
  • Labourer, hour
  • Material at cost, as per delivery note
  • Call-out charge
  • Stage 1: start of works
  • Disposal of old material

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

Can I bill stages by progress?

Yes. You create stage or part invoices straight from the quote. The final invoice deducts the stages already paid.

How do I capture receipts from site?

Photograph the receipt with your phone or upload it and capture it as an expense. You can assign material to a cost centre, for example a site.

Can I show a reverse charge for construction services?

Yes. You choose the tax type reverse charge on the invoice, Saldiqo adds the note and calculates without VAT. Whether the rule applies to the job, you clear with your tax adviser.

Do tradespeople 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 tradespeople 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 tradespeople 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.