Every business journey starts with a question. Sometimes it is simple. Sometimes it feels overwhelming. At DigiSettle, we believe that good cooperation starts not with action, but with understanding. Understanding your situation, your plans, and the context in which your business operates. This is how our work typically unfolds.

Every Estonian company must submit an annual report, regardless of activity level. This obligation applies equally to e-Residents. What Is an Annual Report? The annual report summarizes: - financial activity (or lack thereof), - assets and liabilities, - management confirmation. Even companies with zero activity must submit a report.

How to Open a Business in Estonia as an e-Resident Estonia offers one of the most transparent and digital business environments in the world. For e-Residents, it allows company management fully online - regardless of physical location. However, digital access does not remove responsibility.

Traveling through Southern Europe - Italy, Greece, and Spain - reveals a striking contrast to the digital-first economy of Northern Europe. While the North has almost entirely transitioned to cashless transactions, the South maintains a strong, sometimes aggressive, preference for cash. In Italy, for instance, cash is used in over 57% of transactions. As a financial professional, this raises critical questions about the shadow economy and the vast amount of tax revenue that

The dream of "nomadic freedom" is captivating, but from a professional accounting and risk management standpoint, this freedom is synonymous with high-level responsibility. In my practice working with expats, I have seen many professionals struggle not because of a lack of talent, but due to a failure in operational discipline. Mismanaging the balance between work tasks and leisure in a foreign environment often leads to a decline in billable hours, financial instability,

It is important to clarify one fundamental point when entering the Estonian business environment. To establish a company in Estonia, a person must either: become an e-Resident of Estonia, or be physically present in Estonia for identification. There is no third option.

As we move into 2026, I would like to share a small but meaningful change. In 2025 I realized that my original brand name no longer reflected who I am becoming professionally. Today a brand is inseparable from the person behind it and mine needed to evolve accordingly. This is why Advisor Help is transforming into DigiSettle.

In Estonia, we have grown so accustomed to seamless, digital-first business processes that we often lose perspective on how complex entrepreneurship can be in other European jurisdictions. To illustrate the stark contrast, I’ve analyzed several real-world testimonials from professionals in Italy facing the daunting task of traditional incorporation.

This year, the e-Residency Estonia program celebrates its 11th anniversary - and coincidentally, so do I in Estonia. Our timelines align in a way that feels deeply personal. When I first heard about e-Residency back in 2015, I could not have imagined what it would grow into. Not only in terms of scale - investments attracted, businesses established, taxes paid, international connections formed - but in terms of people. Entrepreneurs, professionals, expats, locals: a divers

In a reality shaped by constant interruptions, uncertainty, and information overload, one of the few remaining zones of stability is how we communicate. For knowledge-based work, professional services, and responsible entrepreneurship, communication is not a neutral tool - it directly affects focus, health, and results.

From an economic perspective, our world functions as a market. Within it, we all act as economic agents - constantly shifting between the roles of buyers and sellers. At work, we sell our skills, expertise, and experience. In our personal time, we buy goods, services, and experiences. Somewhere in between, we rest, learn, and restore our mental and physical energy - taking care of ourselves and those close to us. This constant role change is so natural that we rarely stop to

Starting a business through e-Residency often feels overwhelming - not because information is unavailable, but because there is too much of it. At the very beginning, entrepreneurs face legal, tax, administrative, and strategic decisions all at once. Understanding where to start and which questions truly matter is rarely obvious.