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FCI Services Ltd

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FCI Services Ltd. We provide comprehensive solutions which address all company’s concerns. All for a fixed monthly fee.

FCI Services Ltd is a long established boutique firm based in Nicosia, serving whole of Cyprus that operates in the field of accounting, payroll, start-ups and financial advisory services. is an established and progressing firm of Accountants and Business Advisers, empowering companies to achieve maximum profitability by providing high quality services and expertise in the areas of Accounting – Financial & Business Services. Our highly skilled and widely experienced personnel processes your data on a regular basis, offer consultation on various accounting matters, notify you of critical issues and due dates, and provide you with powerful tools to run your business. Our philosophy is to provide value added accounting and business services to empower the small and mid-sized enterprises to achieve profitability at reasonable costs. Specialized services are also catered for large sized companies. Our services are tailor made to each individual enterprise and we become partners with our Clients sharing common business goals. One of our most valuable assets is our highly specialized personnel, whom we make sure that they are constantly trained so as to be fully capable to provide excellent quality services to our Clients.

27/10/2026

More people are taking out housing loans in Cyprus, even as the average borrowing rate rises. What does that mean for your next move?

New housing loans reached €145.5 million in May 2026, up from €106 million in April. The average rate on new housing loans also rose from 3.73% to 4.06%. For someone planning a purchase, though, the market average is only a starting point: the rate offered by a bank and the period for which it stays fixed will shape what the loan costs over time.

Whether acquiring residential property or securing corporate debt, navigating individual bank spreads (which vary by up to 80 bps) requires tailored analysis rather than relying on headline averages.

Our latest article brings these figures together and explains what buyers and businesses should consider before making a financing decision.

➡️ 𝗥𝗲𝗮𝗱 𝘁𝗵𝗲 𝗳𝘂𝗹𝗹 𝗮𝗿𝘁𝗶𝗰𝗹𝗲: https://shorturl.at/7A4ve

Cyprus mortgage rates 2026 explained with Central Bank of Cyprus data: housing loan trends, eurozone comparison, rate pass-through, and bank-level pricing. FCI Services.

20/10/2026

𝗠𝗮𝗷𝗼𝗿 𝗣𝗲𝗻𝘀𝗶𝗼𝗻 𝗖𝗵𝗮𝗻𝗴𝗲𝘀 𝗔𝗿𝗲 𝗖𝗼𝗺𝗶𝗻𝗴 𝘁𝗼 𝗖𝘆𝗽𝗿𝘂𝘀 𝗶𝗻 𝟮𝟬𝟮𝟲: 𝗪𝗵𝗮𝘁 𝗘𝗺𝗽𝗹𝗼𝘆𝗲𝗿𝘀 & 𝗛𝗥 𝗡𝗲𝗲𝗱 𝘁𝗼 𝗞𝗻𝗼𝘄

Cyprus is undergoing its most significant pension overhaul in four decades. While the headline contribution rates aren't rising right now, this reform directly impacts workforce planning, early-retirement transitions, and payroll compliance.

Key highlights from the reform:

🔹 Early-retirement (age 63) penalty reduction on basic pensions drops from 12% to 7.5%.

🔹 Over 51,000 pensioners will see monthly increases exceeding €100.

🔹 Tighter oversight on payroll accuracy via Ergani and Tax For All portals.

Is your HR and payroll strategy ready for the February implementation? Read our full comprehensive guide to stay compliant and help your employees navigate these updates.

➡️ 𝗥𝗲𝗮𝗱 𝘁𝗵𝗲 𝗳𝘂𝗹𝗹 𝗮𝗿𝘁𝗶𝗰𝗹𝗲: https://fciservices.com.cy/blog-cyprus-pension-reform-2026-employer-hr-guide/

Cyprus pension reform 2026: early-retirement penalty changes, Social Insurance Fund reform, payroll and Ergani/Tax For All compliance. Guidance from FCI Services.

14/10/2026

𝗛𝗲𝗮𝗱𝗶𝗻𝗴 𝘁𝗼 𝘁𝗵𝗲 𝗯𝗮𝗻𝗸 𝗳𝗼𝗿 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴? 𝗗𝗼𝗻'𝘁 𝗷𝘂𝘀𝘁 𝘀𝗵𝗼𝘄 𝘂𝗽 𝘄𝗶𝘁𝗵 𝗮 𝗻𝘂𝗺𝗯𝗲𝗿—𝘀𝗵𝗼𝘄 𝘂𝗽 𝘄𝗶𝘁𝗵 𝗮 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝘆.

Recent market data from the Central Bank of Cyprus shows distinct lending patterns for smaller versus larger corporate loans. But national stats won't tell you if a loan facility truly fits your company's growth trajectory.

Before you speak to a lender, be prepared to answer three crucial questions:
1. What specific operational needs will the funds cover?
2. What is your precise financing timeline?
3. How will your cash flow hold up if forecasts face pressure?

A realistic forecast doesn't just satisfy bank requirements—it protects your business from unexpected liquidity crunches.

At 𝗙𝗖𝗜 𝗦𝗲𝗿𝘃𝗶𝗰𝗲𝘀, our advisory team helps you map out budgeting, cash flow modelling, and financial forecasts so you can approach lenders with confidence.

➡️ 𝗕𝗼𝗼𝗸 𝘆𝗼𝘂𝗿 𝗰𝗼𝗻𝘀𝘂𝗹𝘁𝗮𝘁𝗶𝗼𝗻 𝘁𝗼𝗱𝗮𝘆: https://fciservices.com.cy/schedule-consultation/

contact FCI SERVICES LTD; Cyprus Accountant; Payroll Cyprus; tax in Cyprus; Cyprus company formation; find a Cyprus accountant Non-dom Cyprus,

08/10/2026

An employee is considering early retirement at 63. What does your business need to prepare?

Their decision may bring forward practical questions for HR and payroll: are employment and contribution records up to date, have social insurance and provident fund arrangements been reviewed, and is the relevant employment documentation in order?

Addressing these details early gives the business time to check its records and manage the employee’s departure accurately.

FCI Services supports employers with payroll, social insurance and provident fund contributions, alongside HR documentation and advisory. If someone in your team is considering early retirement, we can help you review the processes involved.

➡️ 𝗕𝗼𝗼𝗸 𝘆𝗼𝘂𝗿 𝗳𝗿𝗲𝗲 𝗰𝗼𝗻𝘀𝘂𝗹𝘁𝗮𝘁𝗶𝗼𝗻: https://fciservices.com.cy/schedule-consultation/

contact FCI SERVICES LTD; Cyprus Accountant; Payroll Cyprus; tax in Cyprus; Cyprus company formation; find a Cyprus accountant Non-dom Cyprus,

29/09/2026

𝗖𝗼𝘂𝗹𝗱 𝘆𝗼𝘂𝗿 𝗰𝗼𝗺𝗽𝗮𝗻𝘆 𝗹𝗲𝗴𝗮𝗹𝗹𝘆 𝗿𝗲𝗱𝘂𝗰𝗲 𝘁𝗵𝗲 𝗲𝗳𝗳𝗲𝗰𝘁𝗶𝘃𝗲 𝘁𝗮𝘅 𝗿𝗮𝘁𝗲 𝗼𝗻 𝗾𝘂𝗮𝗹𝗶𝗳𝘆𝗶𝗻𝗴 𝗶𝗻𝗰𝗼𝗺𝗲 𝘁𝗼 𝗮𝗿𝗼𝘂𝗻𝗱 𝟯%?

Many Cyprus businesses are unaware that the 𝗡𝗼𝘁𝗶𝗼𝗻𝗮𝗹 𝗜𝗻𝘁𝗲𝗿𝗲𝘀𝘁 𝗗𝗲𝗱𝘂𝗰𝘁𝗶𝗼𝗻 (𝗡𝗜𝗗) remains available despite the 2026 corporate tax changes.

It is not only for large holding structures. SMEs and family-owned businesses may also qualify.

Our latest article explains how it works and what conditions apply.

➡️ 𝗥𝗲𝗮𝗱 𝘁𝗵𝗲 𝗳𝘂𝗹𝗹 𝗮𝗿𝘁𝗶𝗰𝗹𝗲: https://shorturl.at/tFxbV

Cyprus's Notional Interest Deduction can cut your effective tax rate to ~3% on new equity. Most local companies have never claimed it. FCI Services — Talk to us.

23/09/2026

𝗣𝗲𝗼𝗽𝗹𝗲 𝗮𝗿𝗲 𝗮𝘁 𝘁𝗵𝗲 𝗵𝗲𝗮𝗿𝘁 𝗼𝗳 𝗲𝘃𝗲𝗿𝘆 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀, 𝗯𝘂𝘁 𝗺𝗮𝗻𝗮𝗴𝗶𝗻𝗴 𝗛𝗥 𝗼𝗯𝗹𝗶𝗴𝗮𝘁𝗶𝗼𝗻𝘀 𝗵𝗮𝘀 𝗯𝗲𝗰𝗼𝗺𝗲 𝗶𝗻𝗰𝗿𝗲𝗮𝘀𝗶𝗻𝗴𝗹𝘆 𝗰𝗼𝗺𝗽𝗹𝗲𝘅.

From employment legislation and contracts to foreign worker procedures, HR documentation and internal policies, businesses need processes that support both compliance and effective workforce management.

At FCI Services, we help businesses across Cyprus put the right HR framework in place, reducing risk, improving consistency, and supporting day-to-day operations.

Whether you need assistance with a specific HR matter or ongoing advisory support, our team is here to help.

➡️ 𝗕𝗼𝗼𝗸 𝘆𝗼𝘂𝗿 𝗳𝗿𝗲𝗲 𝗰𝗼𝗻𝘀𝘂𝗹𝘁𝗮𝘁𝗶𝗼𝗻: https://fciservices.com.cy/schedule-consultation/

contact FCI SERVICES LTD; Cyprus Accountant; Payroll Cyprus; tax in Cyprus; Cyprus company formation; find a Cyprus accountant Non-dom Cyprus,

15/09/2026

𝗥𝗲𝗹𝗼𝗰𝗮𝘁𝗶𝗻𝗴 𝘆𝗼𝘂𝗿 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝘁𝗼 𝗖𝘆𝗽𝗿𝘂𝘀? 𝗖𝗼𝗺𝗽𝗮𝗻𝘆 𝗳𝗼𝗿𝗺𝗮𝘁𝗶𝗼𝗻 𝗶𝘀 𝗼𝗻𝗹𝘆 𝘁𝗵𝗲 𝗯𝗲𝗴𝗶𝗻𝗻𝗶𝗻𝗴.

Many entrepreneurs assume incorporation completes the process, only to discover that VAT registration, payroll reporting and provisional tax obligations begin immediately.

For example, VAT registration becomes mandatory once turnover exceeds €15,600 in any rolling 12-month period, while payroll obligations start from your first employee or director salary.

These responsibilities often fall outside the scope of the advisors who handled the initial structuring.

Our latest article explores the gap between being incorporated and being compliant, and what businesses relocating to Cyprus should have in place as operations begin.

➡️ 𝗥𝗲𝗮𝗱 𝘁𝗵𝗲 𝗳𝘂𝗹𝗹 𝗮𝗿𝘁𝗶𝗰𝗹𝗲: https://shorturl.at/IqMj1

Relocating to Cyprus in 2026? Get VAT registration, payroll & bookkeeping right from day one. FCI Services — compliance done right. Talk to us.

07/09/2026

𝗦𝘁𝗶𝗹𝗹 𝘁𝗿𝗲𝗮𝘁𝗶𝗻𝗴 𝗩𝗔𝗧 𝗰𝗼𝗺𝗽𝗹𝗶𝗮𝗻𝗰𝗲 𝘁𝗵𝗲 𝘀𝗮𝗺𝗲 𝘄𝗮𝘆 𝘆𝗼𝘂 𝗱𝗶𝗱 𝗮 𝗳𝗲𝘄 𝘆𝗲𝗮𝗿𝘀 𝗮𝗴𝗼? 𝗔 𝗹𝗼𝘁 𝗵𝗮𝘀 𝗰𝗵𝗮𝗻𝗴𝗲𝗱.

VAT returns and VIES declarations are now submitted through Cyprus's 𝗧𝗮𝘅 𝗙𝗼𝗿 𝗔𝗹𝗹 (𝗧𝗙𝗔) platform, replacing TaxisNet and introducing new compliance requirements

Businesses should also pay close attention to the €𝟭𝟱,𝟲𝟬𝟬 𝗩𝗔𝗧 𝗿𝗲𝗴𝗶𝘀𝘁𝗿𝗮𝘁𝗶𝗼𝗻 𝘁𝗵𝗿𝗲𝘀𝗵𝗼𝗹𝗱, which is based on a rolling 12-month period, not a calendar year. Getting the registration timing and information right from the outset is essential. VAT compliance goes beyond filing returns. VIES declarations, including nil submissions where required, remain an important reporting obligation. As tax administration becomes increasingly digital, accurate registration and reporting are more important than ever.

FCI Services supports businesses with VAT registration-preparation & submission, TFA registration & filing, VIES declarations and compliance reviews – so you're not finding out about an error after the Tax Department already has.

➡️ 𝗕𝗼𝗼𝗸 𝘆𝗼𝘂𝗿 𝗳𝗿𝗲𝗲 𝗰𝗼𝗻𝘀𝘂𝗹𝘁𝗮𝘁𝗶𝗼𝗻: https://fciservices.com.cy/schedule-consultation/

contact FCI SERVICES LTD; Cyprus Accountant; Payroll Cyprus; tax in Cyprus; Cyprus company formation; find a Cyprus accountant Non-dom Cyprus,

31/08/2026

A missed tax deadline is rarely the whole story.

The reduction in the late payment interest rate is welcome, but 𝗶𝗻𝘁𝗲𝗿𝗲𝘀𝘁 𝗶𝘀 𝗼𝗻𝗹𝘆 𝗽𝗮𝗿𝘁 𝗼𝗳 𝘁𝗵𝗲 𝗰𝗼𝘀𝘁. Penalties still apply, and over time, small delays across VAT, payroll and provisional tax can build up into a much bigger issue.

In our latest article, we explain:
👉 Why the lower interest rate doesn't necessarily mean lower overall costs
👉 How late payment interest and penalties are applied
👉 How small delays across VAT, payroll and provisional tax can build up over the course of a year
👉 How FCI Services helps businesses stay ahead of tax deadlines and avoid unnecessary costs

➡️ 𝗥𝗲𝗮𝗱 𝘁𝗵𝗲 𝗳𝘂𝗹𝗹 𝗮𝗿𝘁𝗶𝗰𝗹𝗲: https://shorturl.at/seCF0

Cyprus cut late tax payment interest to 3.5% in 2026 — but penalties remain. See what late VAT, payroll, or provisional tax really costs.Το επιτόκιο εκπρόθεσμης πληρωμής μειώθηκε στο 3,5% το 2026 — τα πρόστιμα όμως παραμένουν. Δ....

25/08/2026

𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝗮 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝘁𝗿𝗮𝗻𝘀𝗮𝗰𝘁𝗶𝗼𝗻 𝗶𝗻 𝗖𝘆𝗽𝗿𝘂𝘀?

Recent changes to 𝗖𝗮𝗽𝗶𝘁𝗮𝗹 𝗚𝗮𝗶𝗻𝘀 𝗧𝗮𝘅, including higher lifetime exemptions and revised eligibility thresholds, affect 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗼𝘄𝗻𝗲𝗿𝘀, 𝗶𝗻𝘃𝗲𝘀𝘁𝗼𝗿𝘀 𝗮𝗻𝗱 𝘁𝗵𝗼𝘀𝗲 𝗿𝗲𝗹𝗼𝗰𝗮𝘁𝗶𝗻𝗴 𝘁𝗼 𝗖𝘆𝗽𝗿𝘂𝘀.

In our latest article, we explain:
👉 The new lifetime Capital Gains Tax exemptions
👉 Who may qualify and how the exemptions apply
👉 Why Capital Gains Tax should form part of your wider tax planning when buying, selling or relocating to Cyprus

At FCI Services, we help clients understand their Capital Gains Tax position, determine which exemptions may apply and incorporate property transactions into their wider tax planning, helping them make informed decisions before committing to a sale or purchase.

➡️ 𝗥𝗲𝗮𝗱 𝘁𝗵𝗲 𝗳𝘂𝗹𝗹 𝗮𝗿𝘁𝗶𝗰𝗹𝗲: https://shorturl.at/AU6dr

Selling or buying property in Cyprus? New 2026 CGT exemptions raise thresholds to €30,000 and €150,000. See what changed — and what it means for you.

Address

2 Christodoulou Sozos Str. , Office 301
Nicosia
1508

Opening Hours

Monday	08:00 - 17:30
Tuesday	08:00 - 17:30
Wednesday	08:00 - 02:00
Thursday	08:00 - 05:30
Friday	08:00 - 05:30

Website

http://www.fciservices.com.cy/

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