An EU company on Atlantic time.
The Madeira International Business Centre (IBCM) is the only 5% corporate-tax regime fully approved by the European Union - run by Portugal under EU State Aid rules, valid through 2033.
It is not offshore. Your company has a normal EU VAT ID, banks with European banks, signs contracts under Portuguese law, and stays off every grey-list.
We deliver the whole working company: incorporation, banking, accounting - and the residence card that lets you live next to it.
Nine deliverables, one contract.
Entity incorporation
Lda, SA or SGPS - articles, share capital, statutory administrator, registered office in Funchal.
NIPC + EU VAT ID
Portuguese tax number, EU VAT registration, social security registration for the company.
IBCM 5% licence
Application and approval under the Madeira Free Zone regime - substance plan filed with the regulator.
Corporate bank account
EU IBAN with Millennium / Santander / Novo Banco. Debit cards, online banking, multi-currency.
Payment integrations
Stripe (EU), Wise Business, Revolut Business onboarded against your new Madeira entity.
Accounting on retainer
SAFT-PT monthly bookkeeping, quarterly VAT, payroll, year-end IES filing. First year included.
D2 entrepreneur visa
Application built around the new company. Family reunification, NIF, residence card - all handled.
NHR 2.0 registration
Non-Habitual Resident status (innovation track) - flat 20% IRS for 10 years on qualifying income.
Partner desk, ongoing
Direct line to your assigned partner. Contracts, hires, tax planning - no gatekeepers.
Six steps. Four to eight weeks to a working entity.
Read of situation
Free 90-min call. Business model, tax residency and target structure.
Structure memo
Entity type, ownership, substance plan, tax blueprint and banking.
Company opens
Articles, share capital, NIPC, EU VAT, IBCM licence, social security registration.
Account & rails
EU corporate account, multi-currency treasury, Stripe / Wise / Revolut onboarding.
Accounting on
SAFT-PT bookkeeping, VAT, payroll, quarterly close. Monthly P&L in your inbox.
You move in
D2 visa, family reunification, NIF, NHR 2.0, housing intro, school & healthcare onboarding.
Who the IBCM regime is actually for.
Not sure? One call settles it.
90-minute partner consultation. We model your taxes against your real numbers, identify substance options, and tell you yes or no - no obligation, no fee.
- Real numbers, not generic estimates
- Direct conversation with a partner
- Written follow-up memo in 5 business days
- No obligation, no fee, no upsell
What you actually pay- €100k revenue startup, SaaS / B2B.
Illustrative simulation based on 2026 headline rates. Effective tax may differ depending on activity classification, treaty network, progressive IRS brackets, social security, IBCM substance thresholds and applicable EU directives. For your specific case - book a consultation.
Things clients ask before signing.
Is Madeira IBCM offshore? Will my bank flag it?
No. Madeira is an autonomous region of Portugal - a full EU member state. The 5% IBCM regime is approved State Aid, notified to Brussels, and listed on every white-list. Your EU customers see a normal Portuguese VAT number. Your bank sees a Portuguese SME.
How long until I'm fully operational?
Company filed: 3 weeks. NIPC + VAT: 4 weeks. Bank account live: 5–7 weeks. Stripe/Wise rails: 6–8 weeks. Residence card: 4–9 months. We work in parallel - most clients are invoicing through their Madeira entity by week 6.
Do I have to live in Madeira to get the 5% rate?
No - the rate applies to the company, not to you personally. But you do need substance: at least one job created within 6 months, and minimum capex (typically the founder's salary covers both). Many clients run the company from Madeira; others run it remotely with a local administrator.
What happens after 2033 when the regime expires?
Companies already operating under IBCM are grandfathered through the end of the licence period. The regime has been renewed every cycle since 1980 - and the EU re-approved it in 2021 for the 2024–2033 window. Renewal is the political base case.
What is NOT included in the package?
Personal property purchase, schooling tuition, your own travel, and any litigation. Notary fees and government filings are included in the quoted price. There are no hourly add-ons - if scope changes (e.g. you decide on SGPS instead of Lda), we re-quote upfront.
Can you work with my existing accountant?
Yes. Many clients keep their home-jurisdiction CPA for personal matters and use us only for the Madeira company. We coordinate intercompany flows and treaty documentation directly.