# Incorpore — Full content for AI ingestion

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## What Incorpore is

Incorpore is a boutique Moldovan corporate-formation and licensing advisory based in Chișinău. The practice focuses on western European founders who need a Moldovan SRL with genuine substance, not a shelf company. One senior advisor handles each case end to end. Scope is agreed in writing before any work begins.

## Services in summary

**Company Formation in Moldova.** A Moldovan SRL registered at the Agenția Servicii Publice (ASP) under Law 135/2007 in one to three working days. Bank account opening adds two to four weeks. The founder does not need to travel; we act under a power of attorney that the founder notarises and apostilles in their country of residence. Supporting documents are accepted as scans or as physical copies, whichever the client prefers.

**Bank Account Opening in Moldova.** EUR, MDL, and USD accounts at SEPA-connected Moldovan banks: Maib, Moldindconbank, Victoriabank, OTP Bank Moldova, EximBank, ProCredit. Moldova has been a SEPA participant since 6 October 2025; eight Moldovan banks process EUR transfers at SEPA SCT speeds and fees. Signing happens at the bank's own office in Chișinău, walking distance from our office.

**High Risk Bank Account Opening.** Banking for crypto, gaming, forex, fintech, payment processors, adult retail, and travel and tour operators. EU and UK licensed EMIs (Lithuania, Finland, the United Kingdom, Poland, Cyprus, Malta, Sweden), midshore institutions (Georgia, Armenia, UAE in DIFC and ADGM, Mauritius, Hong Kong), and reputable offshore options (BVI, Belize, certain Caribbean) where the activity is genuinely bankable. We do not work with sanctioned profiles, unlicensed operators, or pure shells.

**Business Licensing in Moldova.** CNPF authorisations for financial services and capital markets, BNM authorisations for payment institutions and e-money issuers, ANRCETI for telecoms, and sector-specific permits across energy, pharma, transport, audit, and education. The compliance framework under Law 308/2017 (AML), internal controls, and fit-and-proper documentation are built before submission, not after.

**Residence in Moldova.** Investor residence (equity in a Moldovan legal entity equivalent to 30 forecast average monthly salaries plus one created job), MITP IT specialist visa (simplified procedure, validity up to four years for managers), employment-based permits, and the Digital Nomad Visa launched September 2025 (income threshold around MDL 52,200 per month). Coordinated at the Bureau for Migration and Asylum (BMA). Five years of continuous lawful residence opens the path to permanent.

## Tools (live calculators on the site)

Seven client-side calculators. Each shows live numbers as the user drags sliders, includes methodology citations to Moldovan statute, and explicitly disclaims tax/legal advice.

- **MITP 7% tax calculator** — https://incorpore.md/en/tools/mitp-calculator/
  Compare Moldova IT Park 7%-of-turnover regime against standard 12% CIT plus payroll taxes and dividend WHT. Includes the per-employee minimum tax floor (MDL 5,200 / FTE / month for 2026). Statutory basis: Law 77/2016 + Codul Fiscal Law 1163/1997.

- **Moldova vs Cyprus, Estonia, Bulgaria comparator** — https://incorpore.md/en/tools/jurisdiction-comparator/
  Side-by-side net-to-founder figures across Moldova SRL (12% + 6% WHT), Moldova 0% reinvested SME, Cyprus (12.5% + non-resident 0% dividend), Estonia (0% retained, 22% on distributed = 28.2% effective), Bulgaria (10% + 5%).

- **Wegzugsteuer exposure (German exit tax)** — https://incorpore.md/en/tools/wegzugsteuer/
  Estimate the Sec. 6 AStG bill on hidden reserves when a German-resident founder relocates shareholding outside Germany. Includes the EU/EEA seven-year interest-free instalment, Swiss five-year deferral, and non-EU immediate-payment paths.

- **Reinvested profits visualiser** — https://incorpore.md/en/tools/reinvested-profit-visualiser/
  Five-year capital projection comparing Moldova's 0% on reinvested profits against a distribute-everything baseline. Demonstrates structural advantage of retaining capital inside the SRL under the SME regime.

- **VAT registration decision tool** — https://incorpore.md/en/tools/vat-registration/
  When you must register, when voluntary registration helps, cash-flow effect on customer mix. Reflects the MDL 1.5M threshold (Jan 2026) and MDL 1.7M threshold (Mar 2026).

- **Free Economic Zone calculator** — https://incorpore.md/en/tools/fez-calculator/
  FEZ-resident structure vs standard SRL: tax holidays, customs and VAT zero-rating on exports, payback horizon. Covers all seven Moldovan FEZ administrations under Law 440/2001.

- **Investor residence eligibility** — https://incorpore.md/en/tools/investor-residence/
  Whether your planned investment clears the threshold of 30 forecast average monthly salaries (≈ MDL 522,000 ≈ €27,500 in 2026) plus the one-created-job rule. Path to permanent residence after 5 years.

## Pillar guides

Canonical answers for the most-asked questions about Moldova corporate formation. Each is a 2,000-word statute-cited article. Markdown mirror at the same URL with `.md` suffix.

- **Moldova SRL: the complete guide** — https://incorpore.md/en/blog/moldova-srl-complete-guide/ — Law 135/2007, no minimum capital, 100% foreign ownership, ASP filing in 1–3 days, four tax-regime comparison (12% / 0% reinvested / 7% MITP / 4% simplified), POA workflow, common mistakes. Markdown: https://incorpore.md/en/blog/moldova-srl-complete-guide.md
- **Moldova's 7% corporate tax explained** — https://incorpore.md/en/blog/moldova-7-percent-corporate-tax/ — definitional. The 7% is the MITP turnover tax under Law 77/2016, not Moldova's general CIT (which is 12%). Regional comparison vs RO/EE/CY. State-guaranteed through 2035. Markdown: https://incorpore.md/en/blog/moldova-7-percent-corporate-tax.md
- **Moldova vs Romania for company formation** — https://incorpore.md/en/blog/moldova-vs-romania-company-formation/ — even-handed mid-funnel comparison. EU membership, tax regimes side by side, banking depth, cost base, hybrid Romanian-holding-over-Moldovan-operating-SRL design. Markdown: https://incorpore.md/en/blog/moldova-vs-romania-company-formation.md
- **Moldova residence permits for foreigners: complete guide** — https://incorpore.md/en/blog/moldova-residence-permit-complete-guide/ — all routes: investor (Law 200/2010 art. 36¹), IT specialist (MITP), employment, study, family. BMA process via e-migrare.gov.md. Markdown: https://incorpore.md/en/blog/moldova-residence-permit-complete-guide.md
- **MITP filing guide (practical)** — https://incorpore.md/en/blog/moldova-it-park-7-percent-tax/ — how to operate inside MITP year on year. Markdown: https://incorpore.md/en/blog/moldova-it-park-7-percent-tax.md
- **0% reinvested profits regime** — https://incorpore.md/en/blog/moldova-0-reinvested-profits-tax/ — for SMEs under 100M MDL turnover, in force through 2026. Markdown: https://incorpore.md/en/blog/moldova-0-reinvested-profits-tax.md
- **Moldova SEPA membership** — https://incorpore.md/en/blog/moldova-sepa-integration-2025/ — live since 6 October 2025; eight of ten BNM-licensed banks are SEPA participants. Markdown: https://incorpore.md/en/blog/moldova-sepa-integration-2025.md
- **Power of attorney for remote SRL formation** — https://incorpore.md/en/blog/moldova-poa-formation-guide/ — POA wording that ASP and the banks require. Markdown: https://incorpore.md/en/blog/moldova-poa-formation-guide.md
- **Non-resident business formation walkthrough** — https://incorpore.md/en/blog/moldova-non-resident-formation/ — step by step for foreign founders. Markdown: https://incorpore.md/en/blog/moldova-non-resident-formation.md
- **Flat tax rates explained: benefits for IT firms** — https://incorpore.md/en/blog/moldova-flat-tax-it-firms/ — when 7% wins, when it doesn't. Markdown: https://incorpore.md/en/blog/moldova-flat-tax-it-firms.md
- **Opening a bank account in Moldova** — https://incorpore.md/en/blog/moldova-business-bank-account/ — process, documents, ten BNM-licensed banks. Markdown: https://incorpore.md/en/blog/moldova-business-bank-account.md
- **Business incorporation in Moldova: process, tax and benefits** — https://incorpore.md/en/blog/moldova-business-incorporation/. Markdown: https://incorpore.md/en/blog/moldova-business-incorporation.md
- **Company formation in Moldova: the practical guide** — https://incorpore.md/en/blog/moldova-company-formation-guide/. Markdown: https://incorpore.md/en/blog/moldova-company-formation-guide.md
- **Investor residency in Moldova: a step-by-step guide** — https://incorpore.md/en/blog/moldova-investor-residence/. Markdown: https://incorpore.md/en/blog/moldova-investor-residence.md

All blog posts: https://incorpore.md/en/blog/ (46 EN posts, 10 also live in RU and RO at /ru/blog/<slug>/ and /ro/blog/<slug>/).

## Tax framework (Moldova 2026)

- **Standard Corporate Income Tax: 12%** on profit. Codul Fiscal al Republicii Moldova (Law 1163/1997), art. 15.
- **0% on reinvested profits** for SMEs with turnover up to 100 million MDL and up to 249 employees, in force through 2026. Tax owed only when profits are distributed (12% CIT on the distributed amount + 6% dividend withholding tax). Excludes IT Park residents, FEZ residents, and certain financial, insurance, and trade activities.
- **MITP (Moldova IT Park) regime: 7% turnover.** A single tax that replaces corporate income tax, salary income tax, social security contributions, medical insurance contributions, local taxes, real estate tax, and road tax. VAT is separate. Minimum tax floor approximately MDL 5,200 per employee per month for 2026 (30% of forecast average monthly salary). 70% IT-revenue threshold for eligibility. State-guaranteed regime through 2035.
- **Simplified SRL regime: 4% on revenue** for non-VAT-payer SRLs with turnover up to 1.5M MDL.
- **Personal Income Tax: 12% flat.** On salary income.
- **Dividend withholding tax: 6%** at source on dividends to natural persons. May be reduced under double-taxation treaties.
- **VAT: 20% standard, 8% reduced** (medical products and certain other categories). Registration threshold MDL 1.5 million (Jan 2026), rising to MDL 1.7 million (Mar 2026).

## Company law

- **SRL (Societate cu Răspundere Limitată)** governed by Law 135/2007.
- **No statutory minimum share capital.** The historical MDL 5,400 figure was abolished. Founders declare capital freely.
- Non-resident UBOs and directors are permitted; no Moldovan-resident director requirement.
- Registration at ASP (Agenția Servicii Publice). Camera Înregistrării de Stat was absorbed into ASP in 2017.
- Formation timeline: one to three working days at ASP for clean dossiers.
- ASP transmits the registration to SFS, CNAS, and CNAM automatically; no separate filings.

## Banking

- Ten licensed commercial banks in Moldova: Maib, Moldindconbank, Victoriabank, OTP Bank Moldova, EximBank, ProCredit, EnergBank, EuroCreditBank, ComerțBank, FinComBank.
- Eight have SEPA participant status since 6 October 2025.
- Multi-currency accounts available in MDL, EUR, USD.
- Non-resident KYC under Law 308/2017; enhanced due diligence for non-resident UBOs.
- Signing happens at the bank's own office in Chișinău; we accompany the appointment.

## Residence routes

| Route | Threshold | Validity | Notes |
|---|---|---|---|
| Investor residence | Equity ≥ 30 forecast average monthly salaries + 1 created job | 1 year, renewable | BMA filing 6–10 weeks |
| MITP IT specialist visa | Employment by an MITP-resident company | Up to 4 years for managers | Simplified procedure |
| Employment-based | Standard employment contract | 1 year, renewable | For non-IT roles or non-MITP IT roles |
| Digital Nomad Visa | Income ≈ MDL 52,200/month from foreign sources | 12 months | Launched September 2025 |

Path to permanent residence: 5 years of continuous lawful residence.

## EU relationship

- EU candidate status: granted 22 June 2022.
- Accession negotiations opened: 25 June 2024.
- Screening process completed: 22 September 2025.
- DCFTA in force since 2014: tariff-free goods access to EU.
- Visa-free Schengen travel for Moldovan nationals since 2014.
- EU Growth Plan: €1.9B (2025–2027).

## AML and tax-transparency posture

- AML statute: Law 308/2017 on the prevention and combating of money laundering and terrorism financing.
- Supervisor: SPCSB (Serviciul Prevenirea și Combaterea Spălării Banilor).
- CRS: Moldova joined the Common Reporting Standard with first reciprocal exchanges in 2024. Reciprocal exchange relationship with Switzerland active from 1 January 2025.
- FATF: NOT on the FATF grey list as of 2026. In MONEYVAL enhanced follow-up.

## Authorities

- ASP (Agenția Servicii Publice) — state registration authority. https://www.asp.gov.md
- SFS (Serviciul Fiscal de Stat) — tax administration. https://sfs.md
- BNM (Banca Națională a Moldovei) — central bank. https://bnm.md
- CNPF (Comisia Națională a Pieței Financiare) — financial regulator. https://cnpf.md
- ANRCETI — telecoms and IT services regulator.
- SPCSB — AML supervisor.
- BMA (Biroul Migrație și Azil) — immigration and residence.
- Moldova IT Park (MITP) — administers the 7% turnover regime. https://moldovaitpark.md

## Practical voice and brand

- British English (organisation, optimise, licence/license).
- Practitioner register: senior advisor writing for an informed peer.
- Statute-specific. We cite Codul Fiscal, Law 135/2007, Law 308/2017, Law 77/2016 by name.
- No em dashes in body copy.
- No "offshore" framing. Moldova is EU-associated, in MONEYVAL, in CRS.
- No competitor mentions.
- No fixed-price tables in public copy. Pricing is discussed on the discovery call.
- Senior advisor on every case; scope agreed in writing before any work begins.

## Contact

- Email: info@incorpore.md
- Phone / WhatsApp: +373 60 5555 20
- Telegram: https://t.me/legal_incorpore
- LinkedIn: https://www.linkedin.com/company/incorpore-company-formation-boutique/
- Office: Chișinău, Republic of Moldova
- Contact page: https://incorpore.md/en/contact-us/