What is a B2B ecosystem?
Business apps that belong to one platform and share the account and the data, instead of being wired together through paid integrations.
Malta · EUR · CfR / MBR / EU full imputation
EU membership, VAT 18 % and Malta's unique full imputation tax system in one suite.
Malta's Commissioner for Revenue (CfR) enforces VAT at 18 %, fiscal receipt obligations for every taxable supply, and the full imputation tax system under which shareholders can reclaim up to six-sevenths of corporate tax paid on distributed profits. The 4b2b suite spans the full company lifecycle — MBR formation, CfR enrolment, GAPSME bookkeeping, FSS payroll, periodic VAT returns and EU cross-border trade — plus the compliance infrastructure demanded by MFSA-regulated fintech and MGA-licensed iGaming operators.
Open the topic map →VAT & e-invoicing — overview4B2B · LEDGER VIEW
18
Modules
3
Clusters
100%
CfR
InvoicingAccountingPayrollOther
e-invoicing adoption 2022–2026
Currency
EUR
VAT
18 %
Market
EU single market
Registry
MBR
Start with the services you can use today
Subscribe online to the first applications of the 4b2b ecosystem, then add more modules to the same account whenever you need them.
Invoicing
Issue and manage invoices online, with plans that start with a free trial period.
from €1 /month
Hosting
cPanel hosting, VPS, dedicated and GPU servers on fast NVMe storage.
from €5 /month
Price monitoring
Track your competitors' prices for your products, with alerts and price recommendations.
from €2 /month
Notifications
Send SMS, e-mail and WhatsApp notifications to your customers from one place.
from €49 /month
Malta's fiscal framework at a glance
CfR fiscal receipts, VAT 18 % and full imputation refunds: the three pillars every Maltese business must master.
Malta is a full EU member state and eurozone economy since 2008. The Commissioner for Revenue administers VAT at 18 %, mandatory fiscal receipt issuance for every supply, and the distinctive full imputation system — perhaps the most generous corporate tax refund mechanism in the EU. Every invoice, payroll run and cross-border transaction must reflect these specifics.
CfR-VATCfR fiscal receipts — mandatory for every supplyThe Commissioner for Revenue requires a CfR-compliant fiscal receipt for every taxable transaction, regardless of size. VAT-registered businesses must also file periodic VAT returns via the CfR online portal; non-compliance attracts penalties and disrupts the company's good-standing status.
VAT-18VAT 18 % — with reduced and zero ratesThe standard VAT rate is 18 % on most taxable supplies. Reduced rates of 7 % apply to accommodation and 5 % to medical devices and printed materials. Exports outside the EU and intra-EU B2B supplies are zero-rated, with full input VAT recovery — provided the documentation meets CfR standards.
EUR-EUROZONEEUR / SEPA — eurozone since 2008Malta joined the eurozone on 1 January 2008. All invoicing, payroll and statutory reporting is in EUR. SEPA credit transfers and direct debits are the standard payment infrastructure; cross-border EUR payments within the EU clear at domestic cost and speed.
EU-SINGLE-MARKETEU single market + full imputation systemAs an EU member, Malta offers unrestricted access to all 27 EU member states for goods and services, with OSS/IOSS simplifying B2C VAT reporting. The unique full imputation system allows resident shareholders to reclaim up to 6/7 of the corporate tax paid on distributed profits — a powerful tool for tax-efficient profit extraction.
01 · COMPANY FORMATION
Company Formation & Registration
MBR registration, CfR enrolment and the first compliant fiscal receipt: the three milestones that define a correctly formed Maltese company. Get them right and every subsequent VAT return, payroll run and EU cross-border transaction follows naturally.
6 · Open →
02 · OPERATIONS
Operations — VAT, Fiscal Receipts, Payroll
Running a Maltese company means: fiscal receipts for every supply, periodic VAT returns at 18 % submitted to the CfR, GAPSME or IFRS bookkeeping, monthly FSS income tax and NI payroll, and SEPA as the only payment infrastructure. Each obligation connects directly to the next — and missing one creates a ripple effect.
6 · Open →
03 · CROSS-BORDER
Cross-border — EU Single Market, OSS & Treaties
Malta is simultaneously a eurozone member with full EU single market access, the EU jurisdiction of choice for iGaming (MGA) and fintech (MFSA) licensing, and a hub for EU treaty-backed cross-border trade. Every outbound transaction — whether a digital service, a posted worker or an export shipment — carries specific VAT, customs, employment and treaty implications that must be handled correctly from the outset.
6 · Open →
4b2b ecosystem — purpose-built for Maltese compliance
Every module subscribes on its own brand domain, where billing, support and licensing live. Here is how each piece fits a Maltese company's specific obligations.
4agencytravel.netManagement software for travel agencies and tour operators.4appointments.netOnline booking and appointment scheduling for service businesses.4buildsite.netWebsite and online-store builder with ready-made templates.4clinics.netSoftware for clinics and medical practices.4expenses.netBusiness expense management: expense reports, OCR receipt scanning, settlements and advances, per diem, corporate cards, budgets and approvals.4hosting.netReliable hosting and VPS infrastructure tailored for the 4b2b stack and partner deployments.4hotel.netHotel property management system (PMS): bookings, seasonal rates, front desk, housekeeping and occupancy reports.4invoices.netInvoicing in 73 countries: PDF invoices, numbering, client records and payment links, with ANAF e-Factura integration in Romania.4mycontracts.netContract lifecycle management: drafting, e-signature and workflows.4mygarage.netManagement software for auto repair shops and garages.4myprojects.netProject management with planning, Kanban, Gantt and time tracking for contract-based teams.4mystaff.netTime tracking and shift scheduling for teams.4notify.netSMS and WhatsApp notifications, with an API to send them from your own applications.4pricing.netPrice comparison: monitor competitors and adjust the prices in your online store.4shopy.netE-commerce platform to launch and run your online shop.4therapy.netSoftware for therapy and psychotherapy practices.4webagency.netSoftware for web and digital agencies: projects, clients, deliverables, time tracking and invoicing.
Technologies we use
The ecosystem is built on open EU standards and secure infrastructure — from UBL formats and Peppol BIS to API integrations with the CfR, MBR and SEPA payment rails.
e-Invoicing & standards
UBL 2.1Peppol BISCIIEN 16931SEPA
Security
TLS 1.3OAuth 2.0eIDASGDPR
Integrations
REST APIWebhooksCfRMBRSEPA
Infrastructure
EU data centersPostgreSQL
Built for Maltese accountants, advocates and corporate service providers
Accounting firms and corporate service providers on the island juggle dozens of client mandates — MBR registrations, CfR enrolments, quarterly VAT returns, FSS payroll and iGaming or fintech licence renewals. The ecosystem's multi-client architecture is built for exactly that workflow.
Accounting firms (ACCA/CPA)
Manage all client fiscal receipts, VAT returns and GAPSME bookkeeping from a single multi-mandate account with role-based delegated access — no shared passwords, full CfR audit trail per client.
Law firms and advocates
Issue VAT-compliant fee notes, track matter deadlines and maintain MBR compliance documentation without leaving the platform.
Corporate service providers
Run company formation workflows, registered office management and CfR registration from an integrated client portal that tracks each milestone.
IT and digital agencies
Invoice cross-border digital services with PDF invoices, keep an invoice archive and host in EU data centres; VAT treatment and reverse charge notation are set by you.
The 4b2b ecosystem
Why an ecosystem instead of separate apps
The 4b2b ecosystem is a group of business apps that share one account, one company record and one customer record. You switch on only the modules you need, and anything entered once shows up everywhere else — from invoicing through contracts to timesheets.
- One login for every module, with permissions set per role.
- Company and customer details are entered once, not six times.
- One subscription, with modules you turn on as you go.
- Local tax compliance included on every market we open.
Questions about the ecosystem
Short answers to what small companies ask most often before choosing. Each one has its own page, with worked examples and the mistakes to avoid.
What is the 4b2b ecosystem?
Invoicing, accounting, CRM, ERP, HR, projects, contracts and notifications under one account, with local compliance on each market.
How does an ecosystem cut software costs?
It removes parallel subscriptions and paid connectors: replacing six separate apps typically takes 40–60 % off the monthly bill.
What does Single Sign-On mean for a company?
One person signs in once and reaches every module; when they leave, access is revoked from a single place.
How is tax compliance handled across 70 countries?
Every market has its own e-invoicing format and channel, and the ecosystem applies them from the market you selected.
Partner programme — Malta
Every accountant, CSP or IT consultant who brings a Maltese client onto the ecosystem earns a recurring monthly commission for as long as that client remains active — no cap on mandates.
Accounting firms
20–30 %
Recurring monthly commission per active client mandate covering fiscal receipts, VAT returns or payroll.
Corporate service providers
10–20 %
Commission on mandates sourced through company formation, registered office or CfR registration workflows.
IT and digital partners
20–30 %
Higher tier applies when two or more modules are integrated for the same client — invoicing, ERP and hosting together, for example.
