Frequently asked questions

You send documents only through the Client panel - you get access after signing the contract. You contact a regular accountant by phone and email. In the panel you can see tax deadlines and amounts in real time - with no visits to an office.

The price depends on the form of activity and the number of documents. Accounting for a sole proprietorship (JDG) starts with us at PLN 99. We agree the quote in advance and put it in the contract - with no hidden charges.

Yes, at any time. We will take over the documentation from your previous firm and ensure continuity of your settlements, with no gaps.

Yes. We provide our services in Polish and English.

It depends on your costs, income and industry. We will calculate the lump-sum tax, the tax scale and the flat tax on your figures and present the results for each option - free of charge.

Up to a limit of PLN 240,000 in annual sales (from 2026) you may use the exemption, unless your industry requires VAT. We will check your case.

No - under the lump-sum tax you pay tax on revenue, with no costs. Part of the health contribution paid can, however, be deducted from revenue.

The rate is set by the PKWiU classification of the specific service, not by your company name or your PKD code: for example, some IT services related to software 12%, construction works 5.5%, carriage of goods by road vehicles with a load capacity above 2 tonnes 5.5% (carriage of passengers as a rule 8.5%), trade 3%, healthcare services and architectural and engineering services 14%, liberal professions within the meaning of the lump-sum tax act 17%, and other service activity 8.5%. We verify the classification at the start of our cooperation, because the wrong rate means arrears with interest.

No - the law does not require you to use an accounting firm, and you may keep the records of a sole proprietorship yourself. Bear in mind, however, that it is the taxpayer who is answerable to the tax office for the taxes, also when an accounting firm handles the settlements. With a firm you have a regular accountant who calculates the taxes, keeps track of the deadlines and of changes in the law (such as KSeF), and you receive the amounts ready to pay.

No. For the first 6 months you use the start relief (no social contributions), and then for 24 months the preferential ZUS. We will help you set this up.

In stages: from 1 February 2026 for companies whose VAT-inclusive sales in 2024 exceeded PLN 200 million, and from 1 April 2026 for all remaining taxpayers - including those exempt from VAT. Until 31 December 2026 you may invoice outside KSeF only if the total gross value of such invoices does not exceed PLN 10,000 per month; from 1 January 2027 the obligation covers everyone. All businesses have been receiving invoices in KSeF since 1 February 2026.

Yes. Luno-Group clients issue and receive KSeF invoices free of charge in the Client panel - with no need to buy additional software and with no limit on the number of invoices.

Yes, free of charge. We will guide you through the CEIDG application, a comparison of the forms of taxation and registration with ZUS - stress-free.

In a sole proprietorship you are liable for the business's obligations with all your personal assets and you usually keep simplified records (KPiR or a revenue register). In a limited liability company the shareholders are, as a rule, not liable for the company's obligations, but the company keeps full books of account, and where enforcement against the company's assets proves ineffective, the members of the management board are liable with their own assets for the company's debts and for tax and contribution arrears. Which option works out better in tax terms depends on income, costs and plans for distributing profit. We will calculate the options for your situation - the decision is yours.