Accounting and invoicing for care services
Care services paid by insurers and care funds run through special billing routes. Beside them are self-pay clients, domestic help, companionship and extra services. Saldiqo writes invoices for self-pay and extras, creates recurring invoices for fixed care and records vehicles and material.
What comes up for care services
Several payers
Insurers, care funds and social services run through their own routes. Self-pay and extras you bill yourself.
Fixed care in a rhythm
Domestic help and care run weekly or daily. The monthly invoice repeats.
Vehicles and rota
Travel costs, vehicles and staff are big items.
How Saldiqo helps
- Recurring invoice for careMonthly invoice on schedule.
- Extras by invoiceServices as items with amount.
- RemindersReminders with deadlines.
Typical invoice lines
Examples that often appear on invoices in this industry. You set the prices yourself.
- Domestic help, November, 8 hours a week
- Additional care, hours
- Emergency call service, monthly flat fee
- Travel costs as per receipt
- Material as per receipt
- Care consultation, hours
Tax and invoicing in Malta
What applies to invoices in Malta, in short. As of October 2026.
- VAT
- Rates 18 %, 12 %, 7 % and 5 %. Malta has no zero rate in law. Exports, EU supplies, food and medicines are exempt with credit, which lets you reclaim input VAT. Exempt without credit does not.
- Article 11 small undertakings
- With up to €35,000 of domestic turnover a year you can be exempt under Article 11. The status ends on the day the limit is passed, and you still register with the VAT department. Saldiqo adds the exemption note and leaves VAT off.
- Tax invoice or fiscal receipt
- A tax invoice is issued only when the customer gives you a VAT number. Otherwise a fiscal receipt from an approved system is required. Saldiqo writes invoices. It is not a fiscal receipt system, and a Saldiqo PDF does not replace a fiscal receipt.
- Invoice timing
- Issue the invoice by the 15th of the following month, or when payment arrives if that comes first. Simplified invoices are allowed up to €100.
- E-invoicing
- There is no mandate. Public bodies accept e-invoices through Peppol (EN 16931). The tax authority plans e-invoicing and real-time reporting but has set no dates, and EU rules apply from 1 July 2030.
- VAT returns
- Returns are due by the 15th day of the second month after the period, with 7 extra days when you file and pay electronically. Article 11 businesses file a yearly declaration by 15 February. Saldiqo does not file returns.
- Record keeping
- VAT records for 6 years, income tax records for 9 years and company records for 10 years. Plan for 10 years.
- Late payment
- Interest on late business payments is 10.40 %, plus €40 compensation between businesses.
- Languages
- Use Saldiqo in English or Maltese and send invoices in either language.
Frequently asked questions
Does Saldiqo replace billing with care funds?
No. Billing with funds runs through its own routes. Saldiqo is for self-pay and extra services.
How do I bill fixed care?
With a recurring invoice per client on a fixed date.
Do care services in Malta have to charge VAT?
If you are registered under Article 10, yes. Small undertakings under Article 11 with domestic turnover of up to €35,000 a year are exempt from charging VAT, but the status ends on the day the limit is passed.
Do care services in Malta need a fiscal receipt?
Sales to consumers need a fiscal receipt from an approved fiscal receipt system, and Article 11 businesses use one for all sales. Saldiqo is not such a system. It covers tax invoices to customers who give you their VAT number.
How long should care services keep invoices?
VAT records for 6 years, income tax records for 9 years and company records for 10 years, so plan for 10 years. 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.