AI accounting, built for Malta

Snap a receipt, send an invoice — Kontevia posts it correctly under Maltese rules. Malta VAT at 18% (with 12%, 7% and 5% reduced rates), quarterly returns to the CFR, Peppol e-invoicing and audit-ready GAPSME books.

Get early access →
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18%standard VAT (12 / 7 / 5% reduced)
€35kVAT registration threshold
QuarterlyVAT returns to the CFR
Peppole-invoicing ready

Maltese accounting, handled

The same AI engine — Malta's rules loaded in.

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AI bookkeeping

Photograph a receipt or forward a PDF. Kontevia reads it and posts it to your ledger. With no national chart of accounts in Malta, it maps cleanly to your GAPSME or IFRS structure and keeps a legal reference.

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Malta VAT, done right

Standard 18% with reduced 12% (e.g. boat charter), 7% (tourist accommodation) and 5% (electricity, books, medical aids) rates, plus zero-rated supplies. Article 11 exempt small undertakings under the ~€35,000 threshold are tracked automatically.

E-invoicing & Peppol

Peppol BIS Billing 3.0 with Malta's CIUS for B2G — and ready for B2B when it comes. No B2B mandate today (voluntary), but Kontevia keeps you set for MTCA's Digital Real-Time Reporting and the EU ViDA deadline of 1 July 2030.

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Deadlines tracked

Quarterly VAT returns filed online via CFR/MTCA, due by the 15th of the second month after each period (Jan–Mar → 15 May). EC Sales Lists and the €50,000 monthly trigger handled too.

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Bank sync

Open-banking (PSD2) connections to Bank of Valletta, HSBC Malta, APS, Lombard and BNF — reconciled against your books automatically.

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Chat-first

Works in English, the language of Maltese business. Runs on WhatsApp and email — no new app to learn.

Here's what it looks like

📊KonteviaWhatsApp
📷receipt_2026.jpg12:31 ✓✓
One moment, taking a look... 👀12:31
✅ Got it! Enemed Valletta — 45 EUR Category: Motor fuel & vehicle running costs (account FUEL) VAT 18 %12:32

How it works

From shoebox to filed return — the Maltese way.

Send it

Forward a receipt or invoice — photo, PDF or email.

Kontevia posts it

AI extracts, categorises and applies Malta's VAT rates and rules automatically.

Stay compliant

VAT summaries, Peppol invoices and CFR deadline reminders — audit-ready for your accountant.

Be first when Kontevia launches in Malta

Built for self-occupied sole traders and companies of every size, from Valletta to Gozo.

Request early access

Early access is free — launch pricing from €9/month. Prefer e-mail? hello@kontevia.com