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MontenextAccounting · Property · Investment
[ Accounting, property and investment advisory in Podgorica ]

Go further in Montenegro with Montenext

You have the company and the residence permit. Montenext handles what comes next: accounting and tax, buying or renting property, investing, banking and settling your family, with the same local team and fixed prices agreed in advance.

5.0 · 2,172 reviews
0%
agency commission when you buy property with us
9%
corporate income tax rate on profit up to €100,000
3%
property transfer tax on secondary-market purchases
12
languages spoken by our team
Choose your path

Pick your route

01 · Keep my company compliant

Monthly accounting, VAT, payroll and tax planning

Reports in English, Turkish, Russian or German. Payroll keeps your residence permit valid.

  1. 1.Onboarding and takeover from your previous accountant
  2. 2.Monthly bookkeeping and VAT returns
  3. 3.Payroll for the director and employees
  4. 4.Annual statements and tax return
Onboarding in one week, then a fixed monthly cyclefixed monthly fee
Discuss this plan on WhatsApp
02 · Buy or rent property

Property purchase in Montenegro without agency commission

You save the 3% to 5% agency commission and get a verified title before paying a deposit.

  1. 1.Search directly with owners
  2. 2.Cadastre title and encumbrance check
  3. 3.Notary contract and registration
  4. 4.Utilities transfer and rental setup
Usually 3-6 weeks from offer to registered titlefrom €1,900
Discuss this plan on WhatsApp
03 · Invest in Montenegro

Investment advisory for tourism, property, energy and IT projects

Government incentives exist for tourism, agriculture, energy and northern municipalities. We check your eligibility.

  1. 1.Investment goal and budget review
  2. 2.Due diligence on location, land and partners
  3. 3.Incentives and structure planning
  4. 4.Bank, holding and tax residency setup
First assessment within two weeksfrom €3,900
Discuss this plan on WhatsApp
04 · Settle my family

Housing, schools, health insurance, car and bank in one plan

Residence permits for family members are handled by our sister brand Montestart.

  1. 1.Long-term housing search without commission
  2. 2.School and kindergarten enrolment
  3. 3.Health insurance and driving licence
  4. 4.Car import and registration
Most families are fully settled within the first monthquote on request
Discuss this plan on WhatsApp
Why founders stay with us

One Local Team for Everything After the Permit

Most agencies disappear once the company is registered. Montenext is the team that stays: certified accountants, property advisers and investment consultants in Podgorica who know your file, your family and your plans, and who answer on WhatsApp around the clock.

Services

Accounting, Property and Investment Services in Montenegro

One local team for the books, the property, the investment and the family.

  • Accounting and Tax Compliance

    Monthly bookkeeping, VAT returns, payroll and annual financial statements by certified Montenegrin accountants.

    Outsource your books
  • Real Estate and Investment Advisory

    Property search without agency commission, title checks, purchase contracts and rental income management.

    Invest in Montenegro
  • Tax Advisory and Planning

    Tax residency, double taxation treaties, dividend planning and personal tax returns for founders living in Montenegro.

    Plan your taxes
  • Investment Advisory

    Due diligence, incentives and partner search for tourism, real estate, energy and technology projects in Montenegro.

    Explore investments
  • Bank Account Opening

    Corporate and personal accounts at Montenegrin banks, compliance file, online banking and card acquiring.

    Open an account
  • Holding and Corporate Structuring

    Holding companies, subsidiaries, share transfers, shareholder agreements and liquidations handled end to end.

    Structure your group
  • Relocation and Settlement Support

    Housing, schools, health insurance, driving licence, car import and everything a family needs after arrival.

    Settle in
  • Yacht and Vehicle Registration

    Yacht registration under the Montenegrin flag, charter licences, marina berths and vehicle import and registration.

    Register a yacht
How it works

How Montenext Takes Your Montenegro Plans Further

See packages
  1. 1Day 0

    Free consultation

    Tell us where you are: company registered, permit issued, family on the way. An adviser maps the next steps and sends a written quote.

  2. 2Week 1

    Accounting onboarding

    We take over the books, set up e-invoicing and payroll and agree the monthly fee in writing.

  3. 3Weeks 2-6

    Property or investment plan

    Search, due diligence, incentives and structure for the purchase or project you have in mind.

  4. 4Weeks 2-8

    Bank, tax and settlement

    Accounts opened, tax residency planned, housing, school and car arranged for the family.

  5. 5Ongoing

    Ongoing partnership

    Monthly accounting, annual returns and every question about business and life in Montenegro stay with the same team.

Packages

Fixed-Price Packages for 2026

Two packages cover most buyers and investors. Accounting and everything else is quoted individually after the first call.

Property Purchase Package

Buyer-side service from search to registered title, with no agency commission.

€1,900fixed service fee

For: Buyers of apartments, houses or land in Montenegro

  • Property search directly with owners
  • Cadastre title, encumbrance and planning check
  • Price negotiation and reservation agreement
  • Notary purchase contract and translations
  • Registration of the title and transfer tax filing
  • +1

Timeline: Usually 3-6 weeks from offer to registered title

Most chosen

Investor Setup Package

Everything an investor needs in Montenegro: structure, bank, tax residency and a settled family.

€3,900fixed service fee

For: Investors and founders scaling their presence in Montenegro

  • Investment assessment and due diligence report
  • Holding or subsidiary structure and shareholder documents
  • Corporate and personal bank account opening
  • Tax residency and double taxation treaty plan
  • Government incentive eligibility check
  • +1

Timeline: Structure and bank in 2-4 weeks, full plan within 8 weeks

Prices are fixed fees in EUR confirmed in writing before we start. Monthly accounting is quoted separately as a fixed monthly fee. Company formation and residence permits are offered by our sister brand Montestart.

Montestart

No company or residence permit yet? Start with Montestart.

Company formation, residence and work permits, family reunification and the digital nomad permit, at fixed prices by the same team. Montenext takes over the day your permit is issued.

Start with Montestart

Montestart

Why Montenegro Rewards the Next Step

Once your company and residence are in place, Montenegro offers a simple tax system, a euro economy, an open property market and incentives for investors. Montenext turns those advantages into a plan you can execute with one local team.

What You Get and What We Guarantee

AdvantageOur guarantee
Transparency and honestyAlways. Fixed price in writing before we start, no surprise fees
Accounting on timeEvery VAT, payroll and annual filing submitted before the statutory deadline
No agency commissionWe represent the buyer for a fixed fee and negotiate on your side
Local licensed team10+ years of Montenegrin accounting and advisory practice, no outsourcing
Verified title before depositCadastre and planning check on every property before you pay
Multilingual supportEnglish, Montenegrin, Turkish, Russian, Serbian, Bosnian, Croatian
Customer satisfactionAdviser stays with you year after year, 24/7 on WhatsApp

Montenegro Compared for Property Buyers and Investors

Investors looking at the Adriatic usually compare Montenegro with Croatia and Serbia. The table summarises what matters for a purchase, a holding structure and ongoing taxes in 2026.

CriterionMontenegroCroatiaSerbia
Corporate income tax9% up to €100k profit10% to 18%15%
Property transfer tax3% on secondary market3%2.5%
CurrencyEUREURRSD (dinar)
Foreign ownership of propertyApartments and houses freely, land with conditionsEU citizens freely, others by reciprocityBy reciprocity
Dividend withholding tax15%, reduced by treaties10%20%
EU statusCandidate, most advanced negotiations in the regionMember since 2013Candidate

Accounting, Property and Investment in Montenegro: What to Know in 2026

What does monthly accounting involve?

Every Montenegrin company files monthly VAT returns, runs payroll for its director and submits annual financial statements by the end of March. Invoices go through the electronic fiscalisation system. Montenext's certified accountants book your documents, file every return before the deadline and send reports in English, with a fixed monthly fee agreed in writing.

How does buying property in Montenegro work?

Foreigners can buy apartments and houses in their own name. The purchase is signed before a notary, registered in the cadastre and taxed at 3% on the secondary market, while new builds carry VAT instead. We search directly with owners, check the title for mortgages and planning issues, negotiate the price and register the deed, so you pay no agency commission.

Which investments are supported?

Montenegro offers incentives for tourism, agriculture, energy and technology, with additional support for projects in northern municipalities. Our advisers review your plan, perform due diligence on land, partners and permits, and set up the holding structure, bank accounts and tax residency that make the investment work.

What about taxes for the owner personally?

Personal income tax runs from 9% to 15%, dividends carry 15% withholding reduced by treaties, and there is no wealth tax. If you spend more than 183 days in Montenegro you become tax resident, which can lower your overall burden. We plan your residency, salaries and dividends before the year starts.

FAQ

Accounting, Property and Investment in Montenegro: Your Questions Answered

Straight answers to the questions founders and investors ask us most often.

Accounting and tax

What does monthly accounting cost?

A fixed monthly fee agreed in writing, based on the number of transactions and employees. Companies with a single director start at a modest flat rate; we quote after a short onboarding call.

Can you take over from my current accountant?

Yes. We collect ledgers and filings from your previous accountant and continue without a gap, including the annual statements for the current year.

When do I become tax resident in Montenegro?

After 183 days in a calendar year, or when your centre of vital interests is in Montenegro. We check your treaty position and prepare the residency certificate.

How are dividends taxed?

Dividends carry 15% withholding tax, reduced under Montenegro's treaties with more than 40 countries. We plan the timing and documentation so you pay the treaty rate.

Do you handle my personal tax return?

Yes. Residents with foreign income, rental income or capital gains file an annual personal return, which we prepare and submit.

Is crypto income taxed?

Gains are generally treated as capital income at the personal income tax rate. We document the transactions and file them correctly.

Real estate

Can foreigners buy property in Montenegro?

Yes. Individuals and companies can buy apartments and houses in their own name. Agricultural land and plots without a building require a Montenegrin company, which we can arrange through Montestart.

What taxes apply when buying?

Secondary-market purchases pay 3% property transfer tax. New builds bought from a developer carry VAT instead of transfer tax. Notary and registration fees are small and listed in your quote.

How do you work without agency commission?

We represent the buyer for a fixed fee. We search directly with owners and developers, check the title and negotiate on your side, which typically saves the 3% to 5% commission.

Can I buy remotely?

Yes. With an apostilled power of attorney we sign before the notary and register the title on your behalf.

What do apartments cost?

Coastal apartments sell for about €2,000 to €3,000 per square metre, Podgorica from €1,500 in the suburbs to €2,500 in the best districts, and northern towns around €1,000.

Can you manage my rental?

Yes. We handle marketing, contracts, invoicing through the fiscal system and tax filings for short-term and long-term rentals.

Investment and banking

Which sectors receive incentives?

Tourism, agriculture, energy, manufacturing and technology, with additional support for projects in northern municipalities. We check your eligibility before you commit capital.

Do you perform due diligence?

Yes. We review ownership, encumbrances, planning status, permits and partners, and deliver a written report before you sign.

Can I open a bank account as a non-resident?

Personal accounts for non-residents are possible at selected banks with a complete compliance file. Corporate accounts follow company registration. We prepare the file and accompany you.

Can you set up a holding company?

Yes. We structure holdings, subsidiaries and share transfers, draft shareholder agreements and align the structure with tax residency and treaties.

Is yacht registration worth it?

For owners who keep the boat in the Adriatic, the Montenegrin flag offers straightforward registration, charter licensing and marina access in Porto Montenegro, Luštica Bay and Portonovi. We handle the paperwork.

Can you help with a car?

Yes. We arrange import, customs clearance, homologation and registration, and exchange your driving licence where the rules allow.

Working with us

Who are you?

Montenext is the advisory brand of a Montenegrin accounting firm founded in 2015 with a team of 12 in Podgorica and Nikšić. Our sister brand Montestart handles company formation and residence permits.

Which languages do you support?

The site is available in 12 languages. The team speaks English, Montenegrin, Turkish, Russian, Serbian, Bosnian and Croatian.

Do I need a company first?

For accounting, yes. For property, investment, banking and settlement, no. If you still need a company or residence permit, Montestart registers it and we take over afterwards.

Yes. Every procedure follows Montenegrin tax, property and company law, and every document is prepared by licensed professionals.

How much do your services cost?

The Property Purchase Package is €1,900 and the Investor Setup Package is €3,900, both fixed fees confirmed in writing. Accounting is a fixed monthly fee quoted after onboarding.

How do I reach you?

Message us on WhatsApp at any time, call during office hours, or leave your number in the contact form and an adviser will call you back.

Ready to Take the Next Step in Montenegro?

Tell us your plan and get a written proposal, timeline and fixed quote within one business day.

24/7 Support for Your Next Step in Montenegro

  • Honest and reliable live support
  • Advice tailored to your plans
  • Leave your number and we call you back

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