Financial Consultants International Ltd

Family businesses are not tested in their best years.

They are tested during transition, growth, pressure and change.

Over the years, we’ve repeatedly seen the patterns that define whether a business successfully moves from one generation to the next, or begins to lose momentum along the way.

In our latest article, we explore 𝘄𝗵𝗮𝘁 𝗱𝗲𝗰𝗮𝗱𝗲𝘀-𝗹𝗼𝗻𝗴 𝗳𝗮𝗺𝗶𝗹𝘆 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗽𝗮𝗿𝘁𝗻𝗲𝗿𝘀𝗵𝗶𝗽𝘀 𝗵𝗮𝘃𝗲 𝘁𝗮𝘂𝗴𝗵𝘁 𝘂𝘀 𝗮𝗯𝗼𝘂𝘁 𝘀𝘂𝗿𝘃𝗶𝘃𝗶𝗻𝗴 𝘁𝗵𝗲 𝘁𝗵𝗶𝗿𝗱 𝗴𝗲𝗻𝗲𝗿𝗮𝘁𝗶𝗼𝗻.

👉 𝗥𝗲𝗮𝗱 𝘁𝗵𝗲 𝗳𝘂𝗹𝗹 𝗮𝗿𝘁𝗶𝗰𝗹𝗲: https://fci.com.cy/family-business-advisory-cyprus-financial-ceiling/

Οι οικογενειακές επιχειρήσεις δεν δοκιμάζονται στις καλύτερές τους περιόδους.

Δοκιμάζονται σε περιόδους μετάβασης, ανάπτυξης, πίεσης και αλλαγής.

Με την πάροδο του χρόνου, έχουμε δει επανειλημμένα τα μοτίβα που καθορίζουν εάν μια επιχείρηση θα περάσει επιτυχώς από τη μία γενιά στην επόμενη ή αν θα αρχίσει σταδιακά να χάνει τη δυναμική της.

Στο νέο μας άρθρο, εξερευνούμε τι μας έχουν διδάξει οι μακροχρόνιες συνεργασίες με οικογενειακές επιχειρήσεις για το πώς μια επιχείρηση μπορεί να παραμείνει ισχυρή ακόμα και στην τρίτη γενιά.

👉 Διαβάστε ολόκληρο το άρθρο εδώ: https://fci.com.cy/family-business-advisory-cyprus-financial-ceiling/

We’re hiring: Corporate and Banking Administrator in Nicosia, full time. Join F.C.I. Financial Consultants International Ltd. Work with clients, translate business needs into solutions, and grow in a dynamic, high‑performing team.
👉 𝐀𝐩𝐩𝐥𝐲 𝐧𝐨𝐰: [email protected]

We’re hiring: Corporate and Banking Administrator in Nicosia, full time. Join F.C.I. Financial Consultants International Ltd. Work with clients, translate business needs into solutions, and grow in a dynamic, high‑performing team.
👉 𝐀𝐩𝐩𝐥𝐲 𝐧𝐨𝐰: [email protected]

Many family businesses build remarkable momentum in their first generation and expand successfully in their second, only to reach a point where growth becomes more difficult than it should be.

Often, 𝘁𝗵𝗲 𝗰𝗵𝗮𝗹𝗹𝗲𝗻𝗴𝗲 𝗶𝘀 𝗻𝗼𝘁 𝘁𝗵𝗲 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗶𝘁𝘀𝗲𝗹𝗳, but whether the structure behind it has evolved alongside it.

At FCI, we understand this firsthand. 𝗪𝗲 𝗮𝗿𝗲 𝗼𝘂𝗿𝘀𝗲𝗹𝘃𝗲𝘀 𝗮 𝘀𝗲𝗰𝗼𝗻𝗱-𝗴𝗲𝗻𝗲𝗿𝗮𝘁𝗶𝗼𝗻 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀, and many of our client relationships began long before their own generational transitions took place.

In our latest article, we explore 𝘄𝗵𝘆 𝗺𝗮𝗻𝘆 𝗳𝗮𝗺𝗶𝗹𝘆 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀𝗲𝘀 𝗶𝗻 𝗖𝘆𝗽𝗿𝘂𝘀 𝗿𝗲𝗮𝗰𝗵 𝘁𝗵𝗶𝘀 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗰𝗲𝗶𝗹𝗶𝗻𝗴 and 𝘄𝗵𝗮𝘁 𝗰𝗮𝗻 𝗯𝗲 𝗱𝗼𝗻𝗲 before growth begins to slow.

👉 𝗥𝗲𝗮𝗱 𝘁𝗵𝗲 𝗳𝘂𝗹𝗹 𝗮𝗿𝘁𝗶𝗰𝗹𝗲: https://fci.com.cy/family-business-succession-planning-cyprus-f-c-i-ltd/

Before you launch your business, ask yourself one question:
Is it structured for where you want it to go?
The right corporate framework affects taxation, compliance obligations, decision-making flexibility and future scalability.
Getting it right from the start is significantly easier than correcting it later.
If you are setting up a new company, our team at F.C.I LTD can guide you through a structure that supports your ambitions.
👉 𝗕𝗼𝗼𝗸 𝗮 𝗳𝗿𝗲𝗲 𝟭𝟱‑𝗺𝗶𝗻𝘂𝘁𝗲 𝗰𝗼𝗻𝘀𝘂𝗹𝘁𝗮𝘁𝗶𝗼𝗻: https://fci.com.cy/schedule-consultation/

Andri Kalopetrides Constantinides

Καλή Ανάσταση και Καλό Πάσχα απο την F.C.I. LTD www.fci.com.cy

The 2026 Tax Reform has ushered in a new era of corporate efficiency for the healthcare sector. Maximize your medical practice with a Cyprus DLC (Ι.Ε.Π.Ε.). b. Expert guidance by F.C.I. Ltd.
- improved liability protection
- greater flexibility in profit allocation
- efficient financial framework
www.fci.com.cy Tel: 22 673 800
Location: Based in Nicosia, serving all the island.

📢 Big News for International Business in Cyprus! (2026 Update)
Is your business ready for the 2026 Cyprus Tax Reform?
If you own an International Company, a Holding structure, or are looking to relocate, the rules are changing—in your favour.
🔹 No more forced dividends (Abolition of DDD).
🔹 No more Stamp Duty on contracts.
🔹 7 Years to utilize tax losses (up from 5).
🔹 0% Tax on dividends for Non-Dom residents remains!
At FCI, we’ve prepared a simple breakdown of what the 15% Corporate Tax rate and these new incentives mean for your bottom line.
📖 Διαβάστε την ανάλυση στα Ελληνικά στο link! https://fci.com.cy/cyprus-tax-reform-2026-strategic-guide-for-international-business-fci/

🚨 2026 Payroll Update: Minimum Wage Hikes & New Tax Brackets: As of January 1st,2026 the payroll landscape in Cyprus has shifted. Are your systems updated?
There are significant changes to the National Minimum Wage and Personal Income Tax structures that directly impact your labour costs and compliance obligations.
Key Changes in Force Now: 📈 Minimum Wage Increase:
Upon Hiring: increased to €979 (from €900).
After 6 Months: increased to €1,088 (from €1,000). (Note: Exceptions apply for hotel, domestic, and agricultural sectors).
⚖️ Social Insurance Caps: The maximum insurable earnings ceiling has risen to €5,742/month (€68,904 annually). Ensure your deductions for high earners are adjusted immediately.
💰 Tax Reform (Good News for Talent): The tax-free threshold has officially moved to €22,000, with restructured brackets (20% up to €32k, 25% up to €42k). This means higher net disposable income for your team.
Action Required: Employers must update their payroll software and employment contracts immediately to reflect these statutory changes.
NEED HELP? Our HR & Payroll team is ready to review your compliance. 👉 Read the full breakdown here: https://lnkd.in/dDxnPs6b
Contact Us: 📞 +357 22 673800 📧 [email protected]

May this holiday season bring you joy, peace and cherished moments with your loved ones.
Happy holidays from FCI Consultants! ✨
Our offices will remain closed on:
👉 24-26/12/2025
👉 31/12/2025 - 02/01/2026
👉 06/01/2026