DOING BUSINESS IN KINSALE www.doingbusinessinkinsale.com 2018/2019
Produced by
1 No.1 Media Group is one of the largest and most innovative digital news site and content creation operators in Ireland. Headquartered in Cork with Dublin and Belfast bases, it manages a range of media services in sectors that include business, diplomacy, social, style, food, craft, weddings, women in business to local interest areas and much more. With a key model of Recommended Partners across all its platforms, each site has the capacity for engagement with its audience through innovative and tailored solutions in the digital and social media space. No.1 Media Group also hosts some of Ireland’s largest and premium dinner events and award ceremonies including The Cointreau Hi Style Awards, The Rémy Martin Cork Business Awards, The Rémy Martin Business Island Awards, The Inspiring Awards and others. www.no1.ie
BUSINESS CORK BUSINESS DUBLIN BUSINESS ANTRIM CORK’S No.1 BUSINESS NEWS SITE DUBLIN’S No.1 BUSINESS NEWS SITE ANTRIM’S No.1 BUSINESS NEWS SITE
HIreland’s StyleI Diary those who conceive in the heart and craft by hand
BUSINESS LITTLE ISLAND BUSINESS GALWAY BUSINESS KILKENNY LITTLE ISLAND’S No.1 BUSINESS NEWS SITE GALWAY’S No.1 BUSINESS NEWS SITE KILKENNY’S No.1 BUSINESS NEWS SITE
BUSINESS KERRY BUSINESS LIMERICK BUSINESS KILDARE KILDARE S No.1 BUSINESS NEWS SITE KERRY’S No.1 BUSINESS NEWS SITE LIMERICK’S No.1 BUSINESS NEWS SITE ’ CORK CITY & COUNTY BUSINESS FEDERATION YOUR VOICE : YOUR BUSINESS : YOUR CORK
BUSINESS ISLAND BUSINESS OFFALY IRELAND’S No.1 BUSINESS NEWS SITE OFFALY’S No.1 BUSINESS NEWS SITE
IRELAND’S DIPLOMATIC AND CONSULAR NEWS SITE DOING BUSINESS IN KINSALE 2018-2019
doingbusinessinkinsale.com kinsale.ie
Produced exclusively by: Fitzgerald & Partners
fitzgeraldandpartners.com As Kinsale’s leading accountancy frm, we are fo- business requirements are met, and we work hard cused on expatriates, tax planning and wealth man- on building long term relationships. agement for high net worth clients. We are a bou- tique advisory frm located in the town centre. Our client retention and growth is testament to our passion to deliver and exceed client expectations. We deal with both private and corporate assignments Working in the hospitality area has brought a service and specialise in tax advice and wealth management ethos to the provision of our fnancial products. We services, working with high net worth clients and ex- also deal with the buying and selling of business- patriates who might be looking to set up business or es and advising on deal transactions. We provide a move to Kinsale. hands-on, personal and director-led service to all our clients. A recent growth area is our ‘SME Business Advisory Service’ where we add value to businesses by un- Every member of our team is highly experienced derstanding the challenges that they face and help- and together we have advised on a wide range of ing them fnd solutions. transactions in a range of sectors over more than 20 years. Our mission statement is ‘to make it happen’, We act on a private basis with some of Ireland’s lead- by helping our clients overcome the challenges of ing entrepreneurs and business leaders in an adviso- selling their business or completing an acquisition or ry capacity. We process a high volume of employees management buy-out. for numerous payroll clients on a weekly basis in our Payroll Department. Results for our clients are achieved through our professionalism, experience and dedication. Pro- Our monthly accounts production team provide busi- spective clients are welcome to talk to clients that nesses with the tools to manage their business per- we have recently completed deals for so as to hear formance on a timely and relevant basis. Our monthly frst hand about our services, from those who have accounts team delivers analysis of business informa- recently experienced them. tion to drive business performance. Jer Field FCPA Senior Manager with Christine O’Callaghan, Linda We act for clients of many diferent sizes … Farley and our team enjoy working with our clients so we can add value. Fitzgerald & Partners’ team is fo- For more information call +353 (0)21 4774500 cused on working with its clients to ensure that their or visit www.ftzgeraldandpartners.com
AUDIT • TAX • ADVISORY
4 DOING BUSINESS IN KINSALE 2018-2019 CONTENTS Words of Wisdom ...... 4 EDUCATION Welcome ...... 5 Take it to the third level ...... 49 Message from Minister Simon Coveney ....7 A wonderful environment ...... 51 Message from local politicians ...... 9 Nurturing entrepreneurship ...... 55
BUSINESS WORK/LIFE BALANCE The perfect combination ...... 11 Reaching around the world ...... 57 Avail of EU assistance ...... 13 Assisting with your move ...... 16-17 ON THE BOOKS Open for business (SURE funding) ...... 19 A refreshing read ...... 61 Financial planning for expatriates ...... 21 Low-cost funding for SMEs ...... 25 POLICING A vibrant and confident place ...... 27 Safe and sound ...... 65 Economy is moving to a good place .....28-29 PEOPLE – MY KINSALE CONNECTIVITY Colm Crowley ...... 15 Out into the world – Cork Airport ...... 33 Paul Moody ...... 23 The Port of Cork ...... 35 Lucy French ...... 31 Michael O’Regan ...... 39 IN PICTURES Virgil Horgan ...... 45 Kinsale is a colourful place! ...... 36-37 Eileen Fitzgerald ...... 53 Jon Hynes ...... 59 TOURISM John Murphy ...... 63 The perfect start or finish to your journey 41 Lucinda O’Sullivan ...... 67 An iconic location ...... 43 Mark O’Connell ...... 71
AGRICULTURE A proud farming tradition ...... 47
Doing Business In Kinsale is designed, printed and distributed by Southern Star Creative – part of The Southern Star family. Tel: 028-21200 || www.starcreative.ie || www.southernstar.ie
Kinsale has an active and vibrant Chamber of Tourism & Business. Find out more on Cover image of Charles Fort by Kinsale-based photographer www.kinsale.ie John Allen || www.johnallenimages.com 5 Wods of wisdo fo a fiend ...
What impresses me, is the enthusiasm of the young and the wisdom of the not-so-young.
In a changing, and often confused world, the idea of social conscience of the vast majority of young people never fails to inspire.
The calm dignity of older people, who have enjoyed good times and survived bad times, is equally inspiring.
Fr Pat O’Sullivan, R.I.P. 2018
(Photo by Shay Hunston)
6 Welcoe to Doing Business In Kinsale Cormac Fitzgerald FCPA Managing partner, Fitzgerald & Partners
WELCOME to Doing Business In Kinsale Kinsale was formerly referred to as the Gour- 2018/2019 edition. Our inaugural guide was met Capital and now Ireland’s Top Foodie launched last year and there was very positive Town, with a super selection of top-class bars, feedback. It pulled together the various stake- restaurants, cafés and hotels known interna- holders in the community, showcasing Kinsale tionally as best in class, which is appealing as a place to live, work, do business, while also to so many tourists. There is a huge range of promoting business and tourism in the area, activity-based tourism, both on land and on working with all sectors of the town. sea. It also has some excellent boutique and quality retail oferings. Of course, being part of the The theme we chose for this year is entrepre- world-famous Wild Atlantic Way, as the start/end neurship and education, both very important point, is a major attraction for tourists from all elements in the future of the town. over the world. Then you have other major at- tractions such as the Old Head golf links. We would like to thank all those who took part in this project – supporting it by way of adver- So, whilst having some of the best eateries, tising or contributing some excellent content hotels and shops, the town is also looking and thought provoking articles. Thanks also to to diversify and develop its indigenous local the excellent team at Southern Star Creative economy in terms of innovation and entrepre- who designed and published this guide – they neurship. Kinsale has so many talented peo- are a pleasure to work with. ple living in the town and its environs, the aim of this project is to glue them all together so When CEOs decide where to relocate with their they can network, meet and share their knowl- families, having good educational facilities lo- edge so the town can grow, prosper and be cally is a key factor in their decision making. future-proofed. This is the future of Kinsale and the great work done by our great educational facilities some- After the launch of Doing Business in Kinsale times may go unnoticed. Kinsale is ranked as 2017/2018 we had enquiries about holding one of the most enterprising towns in Ireland. It some major international conferences in the also has a vibrant agri sector. There is so much town, which would be superb in the of-season. good work done by local groups and organi- There is software available to link hotels and sations on a voluntary basis which nurtures a meetings – this would facilitate large confer- positive culture in the local community. ences with multi-site locations – which means Kinsale is in a great position to pitch for this Having access to a major tourism link such as business. Cork Airport – only 20 minutes away – gives great connectivity to the rest of the world and is another reason why so many people choose Kinsale as a place to live. – Cormac Fitzgerald, FCPA 7 ASK AIB KINSALE ABOUT HOW WE CAN HELP YOUR START-UP GROW
Phone: 021 477 2157 Email: [email protected] WE’RE BACKING BRAVE
The featured customers have received a gratuity. Allied Irish Banks, p.l.c. is regulated by the Central Bank of Ireland.
8 Message f o Simon Coveney
An Tánaiste Minister for Foreign Affairs & Trade and deputy leader of Fine Gael
SOMETIMES all the ingredients for a big suc- To all of those people who are the lifeblood of cess are present but it just takes something the business and tourism sector in Kinsale I’d special to bind them together in order to really like to congratulate you on another year of hard take fl ight. graft and wish you every success in the year ahead. The best example I can give you of this is our major tourist success, The Wild Atlantic Way, which starts and ends in Kinsale, depending on Simon Coveney your journey plan. Constituency Offi ce Main St, Carrigaline If you start in Kinsale, you are going to struggle Co Cork to f nd better food, service, beauty or people 021-4374200 as you travel the rest of the route. If you end in Kinsale, then arguably you’ve saved the best until last.
The Wild Atlantic Way is a big national initiative that was necessary because of the deep reces- sion and economic peril we found ourselves in. As Tánaiste I see the same survival and f ght spirit in the local business initiatives all over the country – not least of all here in Kinsale. I want to applaud and support this business initiative from Fitzgerald & Partners to show- case all the work and ingenuity in Kinsale.
This year’s theme of ‘Education and Entrepre- neurship’ very much pinpoints the essential in- gredients to keep us growing and innovating in the years ahead to capitalise on potential that is still untapped. I’ve noted in the last 12 An Tanaiste speaking at the recent Brex- months the many other towns aiming to launch it Breakfast Update at Blue Haven Hotel, initiatives very similar to this one. Kinsale. 9 Message f o Margaret Murphy O’Mahony Fianna Fáil TD, Cork South West
IT is fantastic to see the return of the Doing Kinsale boasts high employment levels thanks Business in Kinsale guide and I thank Fitzger- to the major employers dotted around the town ald & Partners for inviting me to contribute to and hinterland. However it is also great to see this year’s production. the rise in the SME sector – local business peo- ple starting up local businesses are of huge im- As a local TD in the area it is indeed encour- portance to any town. Their knowledge of the aging to see the town of Kinsale going from area is a great advantage to the development strength to strength. and progression of Kinsale.
This is due in part to the high academic achiev- I would like to wish the town of Kinsale the very ers for which the town is renowned. Kinsale best for the coming year and I would advise has an incredible track record at the annual that I hold monthly clinics in Kinsale. If I can be Young Scientists Exhibition and there is obvi- of any assistance to you please contact my of- ously huge credit due to all involved. f ce to arrange an appointment – 023 8841179.
Message f o Tim Lombard Fianna Gael Senator
KINSALE is a unique place to do business. It coming all year around. This productive nature has loads on of er. While a major part of Kinsale is not something you can instil in a town – it is business is tourism-based, there are many ser- something a town is born with. This productive vices attached to the town centre itself – edu- nature has meant that Kinsale has developed a cation centres, commercial services as well as brand name and is recognised throughout the health and wellbeing initiatives to name a few. world for its unique appeal. Kinsale is a thriving business town. An example of this productive nature is this As someone who has a constituency offi ce in book. After a very successful f rst publication the town, I have observed the productive na- last year, this second edition celebrates the ture of Kinsale. This comes from the core of the ‘entrepreneurial spirt’ of this great town. This town itself – the people. The business people, publication compliments the unique spirit that local community groups and townspeople all is in this town and which makes it one of the work to ensure that Kinsale is open and wel- best towns in Ireland to live and do business. 10 Message f o Margaret Murphy O’Mahony Fianna Fáil TD, Cork South West
IT is fantastic to see the return of the Doing Kinsale boasts high employment levels thanks Business in Kinsale guide and I thank Fitzger- to the major employers dotted around the town ald & Partners for inviting me to contribute to and hinterland. However it is also great to see this year’s production. the rise in the SME sector – local business peo- ple starting up local businesses are of huge im- As a local TD in the area it is indeed encour- portance to any town. Their knowledge of the aging to see the town of Kinsale going from area is a great advantage to the development strength to strength. and progression of Kinsale.
This is due in part to the high academic achiev- I would like to wish the town of Kinsale the very ers for which the town is renowned. Kinsale best for the coming year and I would advise has an incredible track record at the annual that I hold monthly clinics in Kinsale. If I can be Young Scientists Exhibition and there is obvi- of any assistance to you please contact my of- ously huge credit due to all involved. f ce to arrange an appointment – 023 8841179.
Message f o Tim Lombard Fianna Gael Senator
KINSALE is a unique place to do business. It coming all year around. This productive nature has loads on of er. While a major part of Kinsale is not something you can instil in a town – it is business is tourism-based, there are many ser- something a town is born with. This productive vices attached to the town centre itself – edu- nature has meant that Kinsale has developed a cation centres, commercial services as well as brand name and is recognised throughout the health and wellbeing initiatives to name a few. world for its unique appeal. Kinsale is a thriving business town. An example of this productive nature is this As someone who has a constituency offi ce in book. After a very successful f rst publication the town, I have observed the productive na- last year, this second edition celebrates the ture of Kinsale. This comes from the core of the ‘entrepreneurial spirt’ of this great town. This town itself – the people. The business people, publication compliments the unique spirit that local community groups and townspeople all is in this town and which makes it one of the work to ensure that Kinsale is open and wel- best towns in Ireland to live and do business. 11 Kinsale Dental Pearse Street Kinsale County Cork Phone: 021 4772788 Email: [email protected]
IMPLANTS Implants and sinus lifts provided by Mr PJ Power BDS NUI MSc (imp dent) in house since 1992.
DIGITAL SMILE DESIGN FACIAL AESTHETICS AND CEREC CROWNS IN A DAY. Dr Janet Power BDS NUI MSc RAAD
ORTHODONTICS Specialist Consultant Orthodontist Dr David Hegarty. Adult and children’s orthodontics, lingual braces, invisalign, six month smiles, traditional orthodontics.
CEREC CROWNS IN A DAY, NERVOUS PATIENTS Call today AND HAPPY GAS. for details Dr Maeve Murphy BDS NUI 021 477 2788
For more information you can visit the website www.kinsaledental.ie
12 BUSINESS & COMMUNITY
The perfect combination
There are great individual businesses and en- Sean Gallagher trepreneurs in Kinsale. We all know that towns Entrepreneur and candidate in the 2018 are not just about individual businesses but election for the about the entire business community working Presidency of Ireland together as one collective.
Visitors don’t come to an area solely because SUCCESSFUL towns are those who merge of a hotel; they come for the overall experience business and community, and that’s what Kin- which includes leisure facilities; the restaurants; sale does so well. the parks; the heritage etc. Therefore it’s im- portant to have a portfolio of products and of- The two things are intertwined and co-depend- ferings far beyond just a single attraction. ent – business is essentially the glue that holds a community together. Business relies on the The secret to Kinsale is therefore an aggre- community for its customers and its staf while gate of all the businesses in the area. Key to the community relies on local business to pro- the success of Kinsale, is an overall mentality vide local employment and a reason to stay in in how the area markets itself and how it man- an area. ages to take a bigger picture view rather than being about an individual business.
Everyone has to be behind what their town has ... visit Kinsale,“ which I to of er and Kinsale does that very well. When believe is a benchmark I visit the town I see people in the local area who have become ambassadors for the area for what many towns can and who have a real pride in the place, and that
achieve by a community pride is contagious. working together“
If there are no businesses, there’ll be no cof ee shops, no places for people to congregate and no services. The two are intrinsically linked.
So, when I talk to people in dif erent towns Sean Gallagher’s new around the country looking to revamp their book ‘Secrets To Success communities, I suggest to them to visit Kinsale, – Inspiring Stories from which I believe is a benchmark for what towns Leading Entrepreneurs’ can achieve by a community working together. is available now. 13 SENATOR TIM LOMBARD
A strong voice for Cork
As your local Oireachtas member I have a full-time offce here in Kinsale and I am always happy to meet and discuss any queries or issues you might have. Constituency Offce: 71 Lower O’Connell St., Kinsale, Co. Cork Phone: 021 477 3399 • Mobile: 086 832 9119 Email: [email protected] • Web: www.timlombard.ie
14 BUSINESS
Avail of EU assistance
market information, overcoming legal obsta- Deirdre Clune cles, and identifying potential business part- Member of the European ners across Europe. The network of ers a wide Parliament (Ireland South) range of services to small and medium-sized enterprises (SMEs). For more details see: https://europa.eu/youreurope/business/
Horizon 2020 I was delighted to take part in a recent Brexit I would also encourage SMEs in Kinsale to event in Kinsale alongside my colleagues, Tá- apply for funding from the Horizon 2020 SME naiste Simon Coveney and Senator Tim Lom- fund. Small and medium-sized enterprises bard. It was a truly inter- represent over 99% of esting gathering where businesses in the EU so we got to hear the it is crucial to support views from businesses “ their growth and inno- in Kinsale on how they At European level we vation. are feeling in relation to are doing all we can Brexit. Ireland has the highest to help businesses in success rate in Europe There is a lot of uncer- Ireland and to ensure for the Horizon 2020
tainty still surrounding that they are offered SME fund with a 16% Brexit but what busi- success rate compared nesses need to do is the support they“ need to a European average prepare as best they of 6%. can for every possible outcome. SME companies can receive €50,000 in The theme of this guide is ‘education and en- funding under Phase 1 and from €500,000 to trepreneurship’, which are two fundamental €2.5 million under Phase 2 of the Horizon 2020 elements to running a successful business. At SME funding. In total, 50 Irish SME companies European level we are doing all we can to help have been awarded Horizon 2020 SME Phase businesses in Ireland and to ensure that they 1 funding since its launch in 2014. are of ered the support they need. The funding is running until 2020 with a total One-stop shop budget of €75 billion and Ireland has set a The Enterprise Europe Network is a one-stop national target of securing €1.25 billion in EU shop for businesses in the EU and helps small Horizon 2020 funding. To date, Ireland has companies make the most out of business op- secured funding of €424 million, representing portunities. It provides support on access to 1.66% of the total EU budget committed.
15 :(+$9( $)8//5$1*( 2)&$56$1'&200(5,&$/9(+,&/(6$9$,/$%/(72 %8<25/($6(
$OO1HZ/HDIZLWK7D[:ULWHRɠLQ \HDURQHDQGQR%,.
&217$&7&212Ŷ/($5<21 .($5<61,66$1&25.'5,9(1%<6(59,&(
16 PEOPLE My Kinsale Colm Crowley
Kinsale resident and Head of RTÉ Cork
AS a long term resident of the Kinsale area and someone who often visited the town for long lazy summer holidays as a child, I’ve always been a big fan of the town and its unique spirit. I was intrigued by Kinsale’s history, conscious as to how many signif cant events happened here, and of the many times we were mere ob- however I am acutely aware of how much of my servers as the great world powers of the day work is now done online. battled it out in our backyard. In less than 20 years in my business, we have As a child, Charles Fort and James Fort had moved from shooting documentaries on ex- the ability to send a shiver down my spine – pensive f lm to now including iPhone footage. and they still do today. The result being an explosion of ideas and outlets for f lms, stories and advertising. Never as a society and a country, have we been so empowered to tell our own stories, and control our own image and message, whether it’s for Never as a society“ and a business, cultural or the public good.
country, have we been We in Ireland are incredibly well placed to take
so empowered to tell our advantage of these new platforms and ways of own stories“ ... working. As a people we are naturally curious about the world around us and critically, very fl exible, being one of the top ‘early adaptor’ countries in the world.
There are certain factors that play well to Kin- So, as we move into the ‘fourth industrial rev- sale’s favour – its naturally beautiful setting, rich olution’, we in Kinsale are well placed to take architectural heritage, and diverse cultural mix. full advantage, but only if all stakeholders – na- We’ve had many diverse infl uences, working tional government, local government, third level together to create a magical place to live and if and private industry – work together in a way you are one of the lucky ones, work here too! as yet unseen.
Over the years I have made many television se- We are small and nimble as a country and as a ries in Kinsale, with familiar faces including the region, and now is the time – perhaps the f rst late, great Derek Davis, and discovering new time in our history – that we have the chance to ones too such as Martin Shanahan, from the shape our own future rather than being buf et- Martin’s Mad about Fish television series. On a ed by past events. Let’s grasp the moment and day-to-day basis I work out of Cork and Dublin, start making our own history. 17 BUSINESS
Assisting with your move to Kinsale
tastic pace of life, scenery and to be part of a Cormac Fitzgerald vibrant, inclusive community. Managing Partner Fitzgerald & Partners Business Brokers Accountancy Firm We also advise on the buying and selling of Audit • Tax • Advisory businesses, corporate acquisitions, manage- ment buyouts and company sales. Strategic Corporate Finance is a team of highly experi- FITZGERALD & Partners is a boutique ac- enced dealmakers, providing down-to-earth, countancy f rm with over 20 years experience practical advice to business owners and man- at the heart of business in Kinsale. Founder agers across a wide range of sectors. In sum- and managing partner, Cormac Fitzgerald, is a mary we provide a hands-on, personal and di- passionate supporter of entrepreneurs and of rector-led service to all our clients. indigenous industry. Every member of our team is highly experi- Cormac is a past president of the professional enced and together we have advised on deals accountancy body, CPA Ireland, and still serves and transactions in a range of sectors for more on its Board of Directors. Cormac has repre- than two decades. Our mission statement is ‘to sented the Irish accountancy profession both make it happen’, by helping our clients over- nationally and internationally. come the challenges of selling their business or completing an acquisition or management The f rm focuses on proactively addressing the buy-out. changing environment by turning environmen- tal challenges into opportunities. The area we Results for our clients are achieved through have focused on, given the popular, cosmopol- our professionalism, experience and dedica- itan tourist town that we live in, is dealing with tion. Prospective clients are welcome to talk to expatriates from all corners of the globe. existing clients to f nd out f rst-hand about the quality of our services. Expatriate wealth management We provide bespoke tax planning services for We act for clients of many dif erent sizes and these people who choose to come and live in provide lead advisory services to businesses, Kinsale, often with their families, and we enjoy entrepreneurial management teams and f nan- working with these high net worth individuals. cial institutions. They can enjoy the wonderful quality of life in Kinsale, while still having easy access to Cork Fitzgerald & Partners is an independent, mar- Airport, from where they can commute to their ket-leading, corporate f nance f rm working business interests in Asia, New York, London with clients nationally and internationally. We or wherever around the world. Many expats re- are passionate about providing client-focused tire into the area to take advantage of the fan- service and we have an outstanding reputation 18 BUSINESS
Assisting with your move to Kinsale
for delivering practical, constructive advice to package the client prefers e.g. Big Red Cloud, all our clients. Zero, Surf or an industry specif c package.
Online business Business advisory Online accounts represent a growth area for Fitzgerald & Partners views business adviso- Fitzgerald & Partners. Small start-ups provide ry – i.e. private advice on key points in busi- their data on a weekly basis, e.g., drop it of , ness to help growth strategy – as the future. A mail it or scan and email. The f rm processes deep dive into a business via a SWOT analysis the data, inputs it in a package like Big Red reveals the issues the entrepreneur is facing. Cloud or Surf, for as little as €28 per month. Being a good listener is important. Running a The result is a client can access their data while business can be lonely. SMEs f nd value in an scuba diving in the Caribbean or driving around advisor who understands the key issues fac- Ireland. They can invoice from their device. ing their business, who is independent of their stakeholders and gives objective advice. The f rm and client all work of one package and in real-time. Clients f nd value in always • Contact Fitzgerald & Partners on being up-to-date on their accounts in what is a +353 (0)21 477 4500 or visit very simple way. The f rm works with whatever www.f tzgeraldandpartners.com
At a recently held Brexit Brief ng in Kinsale, organ- ised by Fitzgerald & Part- ners, were, back from left: Chief Superintendent Con Cadogan; Virgil Horgan, Hegarty & Horan Solici- tors; Paul Moody, entre- preneur; Dermot Ryan, lo- cal historian; John Keane, chair of Irish Booksellers’ Association and Eamonn Siggins, CEO, CPA Ireland. Front: Deirdre Clune MEP; Senator Tim Lombard; An Tánaiste Simon Coveney; Cormac Fitzgerald, FCPA and Cllr Kevin Murphy. 19 Ardbrack “Take charge of your fnancial life to secure your family’s future with our fifinancialnancial new planning sofware”
• Family Financial Planning • Savings & Investment • Cash Flow Planning Advice • Investment & Pension • Retrement Planning Planning • Overseas Pension Transfers • Estate Planning • Wealth Management
5 Guardwell, Kinsale, Co. Cork 021 4773833 www.ardbrack.com Ardbrack Financial Ltd. is regulated by the Central Bank of Ireland
Garden Centre, Household, Homewares, Lighting, Electrical, White Goods, Paint and Painting Supplies, Carpet, Floors & Doors, Tools, DIY, Heating & Plumbing, Marine Rope & Accessories, Pet Care, Equestrian, Workwear, Agri and Farm Supplies, Fuel, Stoves & Fireside Supplies, Seasonal (Christmas), Builders Providers, Key Cutting Service
FARM LANE, KINSALE, CO. CORK, P17 FN79 • 51°42’47.3”N 8°30’55.2”W • 021 477 4080 BANDONCOOP.IE BANDON CO OP & ARRO RETAIL CENTRES BANDON COOP @BANDONCOOP 20 BUSINESS
Open for business
new businesses. And if you qualify, it really is Jim Daly TD a SURE bet the Revenue will be writing you a Minister of State for much-needed cheque. Mental Health and Older People Other supports Remember too that SURE is just one aspect of the many Government supports for people with THIS government believes in supporting small an idea to start their own business in Kinsale or businesses and start-ups with real practical the greater West Cork area. For more informa- help. Our local small and medium sized busi- tion, contact the West Cork Local Enterprise nesses – like so many of those in Kinsale – are Offi ce (LEO) on 023 88 34700. the spine of our economy and the lifeblood of our communities. That is why we have created I have also recently published a leafl et covering a new scheme called Start Up Refunds for En- access to f nance, recruiting, export and inno- trepreneurs (SURE). vation and getting Brexit-ready. If you would like a copy of this one-stop guide please con- Under this scheme PAYE workers who are tact me, [email protected] and I will send you a interested in starting their own business can copy directly. claim back up to 41% of their total capital in- vestment in their business. As with all schemes there are conditions The amount you are entitled to is decided by that must be met to be eligible. These include: the amount of capital investment in your new business and the amount of PAYE you paid • Establish a new company and engage in a over the six years before you began the capital qualifying trading activity(s); and, investment. • Invest money in the new company by way of Calculator purchasing new shares; and, Revenue have complied dif erent scenarios de- picting how the SURE scheme is calculated. • Have had mainly PAYE income in the previous An online calculator has been developed to four years. This includes a person currently help you determine how much you may be en- in PAYE type employment, an unemployed person, a person recently made redundant or a titled to. The calculator can be accessed online retired person. at www.sure.gov.ie. • Take up full-time employment in the new If you are thinking of starting up your own busi- company either as a director or an employee. ness in the Kinsale area visit Revenue’s web- site to check out what supports are available to For a full list of conditions, download the most you. Supports like the SURE scheme are small up-to-date SURE manual at www.revenue.ie. measures, but they make a big dif erence to
21 O‘D O’Donovan&CO. SOLICITORS your legal partner
Ofering Local, Eficient & Trusted Legal Advice Our services include: • Conveyancing • Family Law • Wills & Probate • Collaborative Law • Mediation • Employment Law • Litigation & Dispute Resolution* • Licensing • Agriculture Karen O'Donovan • Commissioner for Oaths
* In contentious business, a solicitor may not calculate fees or other charges as a percentage or proportion of any award or settlement. The Old Brewery, The Glen, Kinsale, Co. Cork [email protected] • 021 4777031 22 BUSINESS
Financial planning for expats
Frank Mulcahy ing by expats has been relatively high, based Principal with on the belief that it is unlikely that the relevant Trinity Financial regulators would f nd out about overseas as- Management sets, and this was largely correct due to the low levels of data sharing between regulators. IN this increasingly connected world with mo- bile populations, expatriate numbers continue This has changed since 2008 when world to grow. One trait of expatriates is they tend to governments, short of revenue, realised they pick the best places to live in a country, and in were missing out in substantial tax revenues; Ireland, Kinsale, is a favourite. revealed by the big data leaks in secretive countries like Switzerland and Liechtenstein However, being an showing a huge level expat brings with it an of tax avoidance glob-
added layer of com- The life of an“ expatriate ally. Governments have plexity, given the inter- taken action multilater-
action of the very dif- has many benefi ts ... but ally through the OECD ferent rules that apply it comes with“ its own and EU, inter-govern- to tax, estate planning, fi nancial complexity ... ment agreements such pensions, investments as the Foreign Account and insurance in Ire- Tax Compliance Act in- land by comparison to itiated by the USA, and other countries. Throw in the complexities of anti-avoidance measures at government level. multiple residencies, and it’s not surprising that sorting one’s f nancial situation is often the last While there are many f nancial threats and area to be dealt with; expensive mistakes and risks associated with being an expat, there are lost opportunities result. also planning opportunities that are often lost due to inaction. Some of the key f nancial planning areas for consideration by expats living in Ireland are: The number of issues that arise can be ex- Capital gains & income tax; Investment portfo- tensive, and I’m happy to chat or connect if you lios; State benef ts; Pension plans; Investment wish to f nd out more. We run regular seminars property & the private residence; Inheritance tax with Fitzgerald & Partners in this area. planning and wills; Transfer of foreign curren- cy assets; Debt management; Insurance. The About the author Frank Mulcahy is a specialist in Expatriate fi nancial importance of each area will depend on your aff airs. A practising Chartered Financial Planner in personal circumstances and your country of the UK, a Certifi ed Financial Planner in Ireland and origin. For UK, US and Canadian citizens living a Qualifi ed Financial Adviser in Australia. He is a in Ireland, see www.trinityf nancial.ie. personal fi nancial manager and principal with Trin- ity Financial Management. Contact him at frank@ Traditionally, non-compliance with tax report- trinityfi nancial.ie or www.trinityfi nancial.ie
23 FOR ADULTSWhatFOR’s on CHILDREN? • Social Badminton • Grassroots Tennis Coaching • Social Basketball • Fun Football • Social Hockey • Kinsale Scouts • Slimming World • Playball • Zumba Toning • Rugby Tots • UniSlim Class • Kinsale Hockey Club • Pilates & Postural Correction • Kinsale Soccer Club • Men’s & Ladies’ Social Hockey • Kinsale GAA Club • Project Weightloss • Basketball Camps • Couch to 5K • Multi-Activity Camps • Future Fit (over 55’s) • Birthday Party Venue FACILITIES AVAILABLE TO HIRE: All Weather Pitch – Large Sports & Community Hall Community Room - Basketball & Tennis Court For regular updates follow us on sailesports
General Enquiries: 021 4773929 • Email: [email protected]
Special Events, Private Dining & Family Occasions
Te Trident Hotel is the ideal backdrop for your special occasion....
For further information or to discuss celebrating an occasion with us, please contact by telephone 021 4779 300 or by email at [email protected]
www.tridenthotel.com TridentHotelKinsaleCork @TridentHotel
24 PEOPLE My Kinsale Paul Moody
Founder of Moody PLC and adventurer
MID-life crisis – what is that? Over the course Having prepared my teams, the business fl our- of 20 years I had created a successful business ished as I was no longer hands-on with day-to- in England that had become all-consuming in day decisions. I now had time to think and de- terms of my time as I devoted all my energies velop business strategies whilst also focusing to it, at the expense of family and friends. more on our clients’ needs.
A milestone birthday made me question if I re- A choice of early morning fl ights to at least f ve ally wanted to do this for the rest of my life? UK destinations delivered me to meetings, and Of course I did, it was my passion and it paid getting home to Kinsale in the evenings was equally straightforward. The Amsterdam fl ights were perfect for connecting to fl ights to the east and now we have the fl ights direct from
Being based“ in Kinsale Cork to the USA as well.
meant I would be able fl y “ Since choosing to re-locate to Kinsale I have to my meetings with ease had the perfect work-life balance, with plenty of time for my family and friends. My mid-life crisis was good for me! all the bills! However, my thoughts turned to where I should live whilst developing my busi- ness and Kinsale came onto my horizon. I had f rst wandered into the town as a young man and fell in love with the place. And why not? It is a beautiful town with great people – all with a story to tell – and an international airport just 20 minutes up the road.
My business life, focused in the dairy, food and Paul has travelled the world through his beverage industries involved a lot of travel, pri- work, but also as an adventurer, driving marily in the UK, and being based in Kinsale his beloved Toyota Hilux over 250,000km and through 85 diff erent countries. He meant I would be able fl y to my meetings with is pictured here in Tiera del Fuego, ease, often faster than driving from middle Eng- Argentina in 2011. land. So, the decision was made to relocate and I never regretted a moment.
25 Brexit Loan Scheme
Who can apply? To be eligible, a business must meet the following criteria: 1. Be a viable business with up to 499 employees (SMEs and small mid-caps); 2. Be Brexit impacted; 3. Meet the scheme criteria (Brexit related criteria and InnovFin criteria).
Key features of the Scheme €25,000 to €1,500,000 per eligible enterprise; Maximum interest rate of 4%; Term ranging from 1 year to 3 years; Unsecured loans up to €500,000; Optional interest-only repayments provided at the start of the loans.
Loans can be used for Future working capital requirements to fund innovation, change or adaptation of the business to mitigate the impact of Brexit.
www.sbci.gov.ie | [email protected] | www.twitter.com/sbcireland linkedin.com/company/strategic-banking-corporation-of-ireland
26 BUSINESS
Low-cost funding for SMEs
NIck Ashmore Brexit Loan Scheme and the revised Credit CEO, Strategic Banking Guarantee Scheme, both of which seek to sup- Corporation of Ireland port eligible SMEs in accessing credit. (SBCI) SBCI funding is available to SMEs through both bank and non-bank specialist on-lenders. Our The Strategic Banking Corporation of Ireland on-lending partners include AIB, Bank of Ire- (SBCI) was set up by the Government to sup- land, Ulster Bank, Finance Ireland, First Citizen port SMEs throughout Ireland with low-cost, Finance, Bibby Financial Services Ireland and fl exible funding and to increase competition in Fexco. the market for SME lending. If you’re a business based in or around In the three years since the SBCI opened for the Kinsale area you can f nd out how business, we have supported 24,000 SMEs to apply for SBCI funding by visiting that have borrowed a total of more than €950m www.sbci.gov.ie. using SBCI f nance.
This has included large and small SMEs; our average loan size is €40,000 but we have sup- ported loans for as little as €1,500 and as large as €4.3 million. The SMEs we have supported employ over 122,000 people.
We have been very successful in ensuring that the benef ts the SBCI of ers have been well spread throughout Ireland – with 85% of loans outside Dublin and a generally broad spread throughout all regions of the State.
We are also serving a wide range of sectors – Agriculture, Wholesale & Retail, Accommo- We have“ been very dation & Food Trade, Admin & Support, and successful in ensuring Manufacturing Services, among others.
that the benefi ts the SBCI
The f nance provided has been delivered in the offers have been well form of a strong mix of term loans for working “ capital and investment purposes, leasing, hire spread throughout Ireland purchase, contract hire and invoice discount- ing. During 2018 the SBCI has launched the
27 Auctioneers & Estate Agents - Sales & Lettings
With 10 years of successfully selling and renting property in the Kinsale area, we provide a personal & professional service to the local market.
If you are planning on selling or letting your property call us today for a free valuation and to find out how you can benefit from our expertise, our global network and our local, national and international advertising.
Planning on moving to Kinsale or setting up your business here? We would be happy to assist you with our expertise and professional advice about buying or renting the best properties in the locality.
Auctioneers & Estate Agents · 71 Main Street · Kinsale · Co Cork Telephone 021-477 3200 · [email protected] www.engelvoelkers.com/cork
28 OPINION
A vibrant and confi dent place
future fuelled by investment, enterprise and en- Seamus McCarthy trepreneurship. Kinsale resident Retired commercial banker The town’s location and infrastructure are im- GAA enthusiast portant components for successful investment. Situated at the gateway to the Wild Atlantic KINSALE, famed in song and story, with a var- Way, Kinsale, with its picturesque town and ied and interesting past, has developed over harbour is known far and wide as a renowned the years into a thriving business location. As tourist location. It is, however, much more than a town, Kinsale – not unlike it’s picturesque that and its citizens have excelled in business, harbour – has experienced many ebbs and politics and sporting activities. fl ows as it met the many challenges encountered In a sporting context in over the centuries. recent times we have Kinsale is “now a town rejoiced in watching Kinsale has seen itself confi dent of its future the hockey-playing transformed and re-in- and perfectly positioned Harte brothers achieve Olympic status; Orla vented several times to avail of the many and over the years and, as Finn continuing to ex- always, the vibrant na- diverse opportunities cel at the highest level ture of the town, allied in ladies’ football, while that will present“ in the to the drive and ambi- John Murphy has re- tion of its business peo- years ahead cently achieved inter- ple, has ensured that national golf ng recog- the town and environs nition. continue to contribute to a vibrant community while obtaining a deserved reputation for qual- It is my belief that Kinsale, as a town and peo- ity and enterprise. ple, has the capacity to organise, develop and grow as a location to do business in, which in Kinsale is now a town conf dent of its future turn will continue to enhance its reputation as a and perfectly positioned to avail of the many great location in which to reside. and diverse opportunities that will present in the years ahead.
Kinsale has long been highly regarded for its ability to be far-seeing and innovative. The suc- Kinsale woman cessful businesses of today were once ideas Orla Finn continues developed by people of vision with and envia- to excel at the ble work ethic and entrepreneurial spirit – the highest level in ideas of today will be successes of an assured ladies’ football. 29 BUSINESS
The Irish economy is moving into a good place
Jim Power the agency has suggested that the investments Leading economist, already approved in the f rst half of 2018 will lead broadcaster, to the creation of over 11,300 jobs, which is mar- lecturer, author ginally ahead of the f rst half of last year. The IDA jimpowereconomics.ie is continuing to attract strong overseas interest in its investment proposition, and that is unambigu- IRELAND’S economy rebounded in a very robust ously good news. fashion from the deep and painful economic cor- rection that followed the global recession that Tourism performance commenced in 2007. The recovery has been Ireland’s tourism performance is also continu- strong and broad based, with all sectors benef t- ing to be very impressive. In 2017, 9.93 million ing. In 2017, Ireland’s growth rate was the strong- overseas visitors came to Ireland, which is the est in the EU. highest level ever recorded. The number of over- seas visitors was 3.6% ahead of 2016. However, The momentum has been maintained in 2018 visitor numbers from Great Britain were 5% lower. and all economic indicators are continuing to im- Visitors from Great Britain accounted for 37.5% prove. Consumer spending is gradually strength- of total overseas visitors to Ireland in 2017 – this ening; the export performance is strong; the pub- is down from 40.9% in 2016. Sterling weakness lic f nances are steadily improving; the tourism pressurised the market in 2017. In the f rst four performance is very strong; and most importantly months of 2018, 2.82 million overseas visitors of all, the labour market is improving in a very im- came into the country, which is 7.3% ahead of pressive manner. the same period in 2017. Visitor numbers from Great Britain were up by 1.1% and accounted Foreign Direct Investment for 39.7% of total overseas visitor numbers. The Foreign Direct Investment (FDI) is a very impor- North American market expanded by 13.6%, and tant component of the Irish economic model and visitor numbers from the Rest of Europe increased has played a key role in the overall economic re- by 12.3%. covery. At the end of 2017, the Industrial Develop- ment Authority (IDA) estimated that foreign direct The most positive aspect of the strong contri- investment supported 210,443 direct jobs and bution from tourism and the agri-food sector is
AREA 2017 2016 % JAN-APRIL JAN-APRIL % CHANGE 2018 2017 CHANGE Great 3,728,000 3,924,100 -5.0% 1,121,000 1,108,400 +1.1% Britain Other 3,482,400 3,302,100 +5.5% 1,031,200 918,300 +12.3% Europe Overseas North 2,101,500 1,808,000 +16.2% 510,200 449,100 +13.6% visitors to America Ireland. Other 6109,300 550,200 +12.6% 158,100 153,600 +2.9% Areas (Source: Central Total 9,932,100 9,584,400 +3.6% 2,820,500 2,629,400 +7.3% Statistics Offi ce) 30 BUSINESS that they both have a strong regional and rural omy. However, the Cork region has a very strong footprint, and both have a strong domestic val- multinational presence and in 2017 the South ue-added content. In other words, the inputs into West accounted for 17.8% of IDA supported jobs both sectors are very much domestic, both are in the country, equivalent to 37,434 workers. This labour intensive and leakages are not signif cant. is the second strongest region, behind Dublin & Mid East. This provides some insulation against Labour market Brexit risks, but it is important to recognise that The labour market performance continues to Brexit could provide some opportunities for the improve. In the year to the f rst quarter of 2018, region. the number of people in employment increased by 62,100 or 2.9% to reach 2.22 million and the un- Some UK companies will inevitably re-locate employment rate fell to 5.8% of the labour force. some of their activities to Ireland to service the This has come down from 16% in 2012. Of the EU market post-Brexit. Dublin is the most obvious total number of people in employment, 84.1% benef ciary, but there are also signif cant regional or 1.87 million are employees and opportunities. Ireland needs more bal- 338,200 or 15.2% are self-em- anced regional economic develop- ployed. Ireland now f nds itself ment, not least because Dublin in a very a strong place and For a town“ such is becoming congested and the sense of optimism and the costs of living and of enthusiasm is very real as Kinsale, the doing business are high and very positive. The of- attractions it offers and rising. Housing is f cial expectation is that also a big issue in Dub- GDP will grow by 4% in for anybody considering lin. Cork could act as a 2019; 3.4% in 2020; and moving to or setting strong counter-balance 2.8% in 2021. It is still up a business in the to the dominance of the not at all clear how Brexit Greater Dublin area. will turn out, but the risks South-West are to the Irish economy from very obvious“ Cork’s advantages a ‘hard Brexit’ are very clear. The advantages that Cork The agri-food sector is by far the of ers are obvious. It has strong most exposed sector. air, rail and road connectivity; it has a strong multi-national presence; it has a The South West Region and Kinsale good infrastructure; and the costs of living and of The South West Region is one of the more doing business are positive. Housing costs and prosperous regions in Ireland. Economic activity availability are also relatively favourable. per head of population (Gross Value Added) in the South West was the second highest in the country For a town such as Kinsale, the attractions it of- in 2014. In the f rst quarter of 2018, the unem- fers for anybody considering moving to or setting ployment rate in the South West stood at 6.2% of up a business in the South-West are very obvious. the labour force. This is higher than the national It is within a short commuting distance of Cork; average but is steadily moving in a downward di- it is a very vibrant town; and the quality of life is rection. It also suggests that in the face of labour amongst the best that the country has to of er. shortages at a national level, the South West still The challenge for Cork and indeed for Kinsale is to has spare capacity in the labour market. ensure that a strong marketing ef ort continues in order to highlight all they have to of er to potential Brexit investors or individuals seeking to relocate out of For a regional economy such as Cork, the chal- the increasingly congested Dublin area. It will not lenges from Brexit are very clear given how impor- happen of its own volition – a strong and co-ordi- tant tourism and agri-food are to the local econ- nated ef ort will be required. 31 Family run Diamond Jewellers since 1974 Engagement rings, wedding rings, Linda’sOF KINSALE silver and gold jewellery collections
Open 7 days: Mon - Sat 10.30am - 5.30pm, Sun 2pm - 5.30pm Main Street, Kinsale, Co. Cork • T: 021 4774754 • www.lindasofkinsale.ie
Assuring you the ultimate in personal service, stunning location and value for money.
Food Served Daily from 12 – 9pm Exclusive Wedding Venue State of the Art Health Club 70 Beautifully Appointed Guest Rooms Vital Spa Conference / Meeting Rooms
Macdonald Kinsale Hotel & Spa T: 021 470 6000 Rathmore Road E: [email protected] Kinsale, Co. Cork
32 PEOPLE
My Kinsale Lucy French
Owner of the Lucy French School of Dance
I feel so lucky to have grown up in this very beautiful and cosmopolitan town. At the age of Photos: Jakub Walutek 17 I travelled to Manchester and took my spot at the Northern Ballet School to train in dance and dance teaching. The school of ers classes in Classical Ballet, Jazz, Contemporary, Hip Hop and Breakdance. After graduating from this three-year course We take students from as young as two and a as a qualif ed dance teacher I was fortunate half right the way through to 18. Dance teaches enough to get a job in Norway and then after discipline, self esteem, team work, musicality, that in Scotland. Throughout this nearly nine performance, grace, perseverance, work ethic years living away from my home and my and of course trains strength, stamina family I always missed the charm of and fl exibility. Kinsale. It was always my dream to return to Ireland and hope- It is a“ lovely We put on an annual show of fully to set up a school in place to have a professional nature where Kinsale. This dream came to every student is showcased fruition in September 2008 a business as and made to feel special.
– the school started quite everyone is so We also train and enter small at f rst but grew rapid- supportive of students for ballet exami- ly once properly established. “ nations with the Royal Acad- We moved into Kinsale Com- each other emy Of Dance. The school mercial Park in 2011 where we of ers workshops with guest f nally had our own studio, which teachers throughout the year and meant more classes and more oppor- summer dance intensives. tunities. This year we celebrate our 10th year as Lucy French School Of Dance. I couldn’t be The school caters for all levels and encourages more grateful to the wonderful community of and helps every student to see their own indi- Kinsale for all of the support – it is a lovely place vidual capabilities and strengths. We are a big to have a business as everyone is so supportive dance family and all students look out for and of each other. care for one another.
33 Tourism is Everyone’s Business
Tourists Spend That That benefits €€€ on pays for everybody
Wages Local employment Accommodation Bus/Car Hire/Fuel Car sales / Fuel Transport / Fuel Overseas tourists Food & Beverage Hotels/Restaurants Food & Beverage Stock / Merchandise Retail/Cafes/Bars Shopping/Gifts Commissions Construction Culture Property/Rental Culture/Activities Conferences Professional Services Professional Services Wellbeing Utilities Producers/Craft Domestic tourists Entertainment Taxes / Rates Co. Council services Other Marketing Local Chamber
Kinsale Chamber of Tourism & Business promotes Kinsale locally, Local tourists nationally and internationally.
For information on membership, business listings, festivals & events see www.kinsale.ie
34 GLOBAL CONNECTIVITY
Out into the world
There are regular fl ights to the London and UK Niall MacCarthy throughout the week plus fl ights to Amsterdam Managing Director allow for connecting fl ights all over the world. Cork Airport The past year has seen some major improve- NEW routes, expansions, awards and facilities ments in the airport following our largest cap- — it has been a jam-packed year for Cork Air- ital investment programme in over 10 years. port. We have a forecasted growth of 4% this The biggest change was around our food and year and have seen an 80% increase in new beverage of erings, improving the overall ex- airlines since 2017. We have also experienced perience, particularly for passengers travelling a 40% expansion of routes. These statistics outbound. Kinsale Café in Arrivals makes for f rmly position Cork as Munster’s busiest, and a great meeting point for those landing, or for best-connected international airport, and the a quick departing visit before heading through State’s second largest airport. security. Showcasing local producers, The Loop’s Food and Drink section has rebranded, GREATER CHOICE ACROSS EUROPE teaming up with Taste Cork. This now enables Today, we provide access to over 40 destina- travellers to bring ‘Cork’ home with them to tions for those living in Kinsale and beyond. share on the next step of their journeys. Ryanair will commence a new route to Malta in March 2019. This is the fourth Ryanair route Cork Airport is only 25 minutes’ drive announcement at Cork Airport recently follow- from Kinsale, has easy/ample parking ing the good news that London Luton and Faro and quick transits through security to will operate from October, while a new service boarding. to Poznań, Poland will begin in March 2019. From Cork Airport you can easily access Aer Lingus launched a new, year-round Cork the UK, Europe and the USA with regular to Lisbon route, commencing on October 26th fl ights to London, Paris, Amsterdam and 2018. This year we also welcomed Air France, Providence. with a new daily service connecting Cork to Cork, Ireland’s second city is only Paris; while last year, Swiss’ Cork to Zurich 30 minutes’ drive from Kinsale service commenced (and doubled its capacity during the summer); and so too did Volotea’s Dublin city and airport are only c2.5 Cork to Verona route. hours’ drive or you could use the effi cient and regular, WiFi-equipped train service Just over a year ago we welcomed the f rst ever from Cork to maximise work time scheduled transatlantic service out of Cork Air- port. It’s been a fantastic year for Cork USA Imagine attending a meeting in London connections, with Norwegian’s Cork to Boston or in Europe and still enjoying a walk Providence route proving popular for both lei- on the beach with family when you get sure and business travellers. home that evening or on the weekends. 35 from €14.95 per month
Invoicing & Accounts Made Easy
KEY FEATURES
Smart Get Paid Easy CRM Electronic Invoicing Instantly VAT Banking
SEPA Multi Quotes & Handle Business Payments Currency Orders Inventory Divisions
PAYROLL MADE EASY
from €9.95 Integrates with Paye Mod Employee Self per month Surfaccounts Compliant Service