COMPANY FOR BUSINESS
Expert bookkeeping, tax compliance, and financial management — tailored to your sector, built on Estonian law.
Five Key Things This Page Covers
Each sector faces a different mix of tax obligations, VAT rules, and reporting standards. Generic accounting creates compliance gaps.
All guidance aligns with EMTA requirements and EU directives — from the 0% retained-earnings tax model to OSS and DAC7.
Start-ups, Freelancers, E-commerce, IT/SaaS, and Crypto/Web3 — each with its own dedicated set of service topics.
No handoffs, no gaps. A single senior accountant handles all your accounting, VAT, payroll, and filings from day one.
Flat-fee retainers from €150/month based on complexity — no variable pricing surprises at year-end.
What accounting services does Company for Business provide by industry? We provide full-cycle accounting, tax compliance, payroll, and financial reporting — tailored to start-ups, freelancers (FIE), e-commerce businesses, IT/SaaS companies, and crypto/Web3 companies operating in or through Estonia. Every client is assigned a dedicated accountant with direct expertise in their sector.
Why Industry-Specific Accounting Is Not Optional
A freelance designer, a SaaS start-up, and a crypto exchange all operate under Estonian law — but the accounting for each looks nothing alike. The freelancer calculates FIE income and social tax on a cash basis. The SaaS company must apply revenue recognition rules across subscription tiers. The crypto exchange needs to track cost-basis on hundreds of token transactions and apply market-value rules on every disposal.
Using a generalist accountant for any of these businesses creates real risk: misreported VAT, incorrect expense deductions, missed credits, or wrong withholding on royalties. Industry-specific accounting is the baseline for staying compliant and tax-efficient — not an upgrade.
| Business Type | Core Tax Challenge | Common Mistake | Key Regulation |
|---|---|---|---|
| Start-up (OÜ) | Dividend tax + equity structures | Treating investment as revenue | Income Tax Act §50 |
| Freelancer (FIE) | Income + 33% social tax | Missing deductible expenses | Income Tax Act §14–22 |
| E-commerce | EU multi-country VAT | Missing OSS registration | EU VAT Directive 2021 |
| IT / SaaS | Deferred revenue recognition | Cash-basis revenue reporting | IFRS 15 |
| Crypto / Web3 | Cost-basis per transaction | Not reporting swap events | EMTA crypto guidance 2023 |
1. Start-ups
Accounting, tax, equity structures, and investor reporting for early-stage companies in Estonia
Who this is for
Estonian OÜ companies at pre-seed, seed, or early growth stage — including companies founded by e-residents and non-resident founders building remote-first businesses through the Estonian legal system.
The challenge
Investment vs Revenue
Many early-stage founders incorrectly record investor capital as income — triggering wrong tax calculations.
VAT Timing
As revenue grows, the €40,000 VAT threshold is often crossed without a registered accountant noticing in time.
Investor-Ready Books
Disorganised accounts regularly delay or derail funding rounds. Investors expect clean, auditable financials.
What we cover
2. Freelancers & Sole Traders (FIE)
Tax, VAT, expense deductions, and income optimisation for self-employed in Estonia
Who this is for
Individuals registered as FIE (füüsilisest isikust ettevõtja) in Estonia, as well as freelancers considering whether to operate through an OÜ instead — and the break-even point between the two models.
The challenge
Hidden Tax Burden
Income tax (22%) + social tax (33%) combine to create an effective marginal rate that surprises most new FIEs.
FIE vs OÜ Decision
The right structure depends on revenue level, personal income needs, and industry — there is no universal answer.
Expense Deductions
Many FIEs miss legitimate deductions — home office, vehicle, equipment, travel — simply because they are undocumented.
What we cover
3. E-commerce Businesses
VAT compliance, OSS scheme, platform accounting and cross-border taxation for online sellers
Who this is for
Estonian OÜ companies selling physical goods or digital products online — including Shopify stores, Amazon FBA sellers, dropshippers, and direct-to-consumer brands shipping across EU and non-EU markets.
The challenge
EU VAT Reform
The 2021 EU VAT reform replaced country thresholds with a single €10,000 EU-wide limit — most sellers need the OSS scheme but have not registered.
Marketplace Rules
Amazon, Etsy, and Zalando shift VAT liability to the platform in certain transactions — your accounting must reflect this correctly.
Multi-Currency Books
Stripe, PayPal, and Wise payouts in different currencies must be reconciled into EUR-denominated accounts monthly.
What we cover
4. IT & SaaS Companies
Revenue recognition, subscription accounting, IP taxation and global payroll for software businesses
Who this is for
Estonian OÜ companies providing software products, SaaS subscriptions, API services, or professional IT services to clients in Estonia, the EU, and globally — including companies with distributed remote engineering teams.
The challenge
Revenue Recognition
A €12,000 annual subscription paid upfront on 1 December is only €1,000 of December revenue. Most SaaS companies overstate monthly P&L.
Distributed Payroll
Paying developers across multiple EU countries creates four different social security regimes and PE risk in each jurisdiction.
IP Structuring
Software IP held in the wrong entity attracts full withholding tax on royalties. A correct IP holding structure in Estonia can be significantly more efficient.
What we cover
5. Crypto & Web3 Companies
Token accounting, DeFi taxation, NFT treatment and crypto compliance in Estonia
Who this is for
Estonian OÜ companies that trade, issue, or hold crypto assets — including crypto trading desks, DeFi protocol operators, NFT projects, Web3 gaming studios, and companies holding crypto as treasury assets.
The challenge
Transaction Volume
A single DeFi interaction can generate dozens of taxable events. Manual tracking at scale is not viable — you need the right tooling and methodology.
Regulatory Updates
Estonia updated its Income Tax Act for VASPs significantly in 2022–2023. Outdated accounting policies create direct EMTA compliance exposure.
Novel Transactions
Staking rewards, liquidity pool fees, and airdrop income have no explicit GAAP treatment — each requires a documented accounting policy decision.
What we cover
How Company for Business Works
Every client gets a single point of contact — a dedicated senior accountant who manages all filings, reporting, and communications. No departments, no handoffs.
30-minute call to assess your current setup and identify any compliance gaps.
We set up your chart of accounts, connect your payment tools, and brief you on the compliance calendar.
Bookkeeping, VAT returns, payroll, and any regulatory filings handled on a fixed schedule.
Monthly management reports, annual financial statements, and audit preparation when required.
We work with Merit Aktiva, Xero, and QuickBooks for bookkeeping. We integrate with Stripe, Shopify, WooCommerce, Wise, and major crypto accounting platforms. Software setup is included in onboarding — no additional fees.
We work in Estonian and English. All documentation, reports, and communications are available in both languages.
Compliance Deadlines — We Track These For You
| Filing | Frequency | Deadline | Who It Applies To |
|---|---|---|---|
| VAT return (KMD) | Monthly | 20th of following month | VAT-registered companies |
| Payroll declaration (TSD) | Monthly | 10th of following month | All employers |
| Annual report | Annual | Within 6 months of FY end | All OÜ companies |
| Income tax return (FIE) | Annual | 30 April | All registered FIEs |
| OSS VAT return | Quarterly | Last day of month after quarter | OSS-registered companies |