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Accounting and invoicing for fitness creators

Training programmes, coaching subscriptions, supplement collaborations and clothing: fitness creators earn with reach and with their own products. Saldiqo writes invoices for collaborations, matches subscription payments and lets you record sportswear and products as payment in kind.

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What comes up for fitness creators

Collaboration and own product

Brands pay for posts, and you add your own training plans, subscriptions and coaching. Both businesses need separate billing.

Packages with goods

Sportswear, supplements and equipment arrive as payment. The value of the goods belongs in the statement.

Coaching subscriptions

Monthly fees from clients run automatically. The payments have to be matched.

How Saldiqo helps

  • Invoice for collaborationsPosts, reels, rights and term as lines.
  • Recurring invoice for coachingMonthly subscriptions are created by a recurring invoice on schedule.
  • Products as payment in kindName product and value in the invoice.
  • Cost centre per businessEvaluate collaborations, coaching and merch separately.

Typical invoice lines

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

  • Collaboration: 3 reels and 6 stories in a month
  • Coaching subscription, November
  • Training plan, 8 weeks, one-off purchase
  • Payment in kind: sportswear worth 250
  • Studio hire for the shoot as per receipt
  • Rights for use as an ad, three months

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

How do I bill coaching subscriptions?

With a recurring invoice per client. It creates the invoice on a fixed date.

How do I treat sportswear as payment in kind?

You name product and value in the invoice. Whether and how it counts for tax you clear with your tax adviser.

Do fitness creators 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 fitness creators 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 fitness creators 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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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.