Accounting and invoicing for bakeries
The day starts at three in the morning, the receipts come in the evening. In the shop customers pay at the till, but cafés, hotels, canteens and schools want an invoice. Saldiqo takes over that part and keeps flour, energy and ingredients under control.
What comes up for bakeries
Shop and wholesale customers
Sales in the shop run through the till. Beside it the bakery supplies cafés, hotels, canteens and schools, every week, sometimes every morning. That needs delivery notes and invoices.
Fixed and changing quantities
Some customers get the same quantity every day, others order at short notice for events. Both have to end up properly on invoices.
Cakes and catering with a deposit
Wedding cake, buffet, breakfast service: the job is agreed weeks ahead and a deposit is paid.
Purchasing in volume
Flour, butter, eggs, packaging, energy: supplier invoices are numerous and the energy bill is a big item. With several branches comes the question which branch costs what.
How Saldiqo helps
- Fixed deliveries as recurring invoicesIf a café gets the same quantity every week, a recurring invoice creates it on a fixed date.
- Delivery note and invoiceFor changing quantities you write a delivery note with the delivery, and the invoice is created from the same job.
- Cakes with a depositQuote, deposit invoice and final invoice guide you through the job.
- Supplier invoices and receiptsYou record supplier invoices with their due date and photograph receipts with your phone. Open supplier invoices can be bundled into a batch payment file for online banking.
- Cost centre per branchAssign income and expenses to branches and see which branch carries its weight and which does not.
Typical invoice lines
Examples that often appear on invoices in this industry. You set the prices yourself.
- Bread rolls, 120 pieces, Monday delivery
- Bread and small pastries as per delivery note
- Wedding cake, three tiers, as agreed
- Breakfast buffet for 25 people
- Delivery and set-up
- Deposit for transport crates
Tax and invoicing in Ireland
What applies to invoices in Ireland, in short. As of October 2026.
- VAT
- Standard rate 23 %, reduced rates 13.5 % and 9 %, 4.8 % for livestock, and 0 %. Since 1 July 2026 a 9 % rate applies to restaurants, catering, hot takeaway food and hairdressing, excluding alcohol and soft drinks.
- VAT registration
- Registration is required above €42,500 a year for services and above €85,000 for goods, if at least 90 % of turnover comes from goods. Saldiqo leaves VAT off your invoices while you are below the threshold and shows how much room is left.
- What goes on an invoice
- Registered businesses show their VAT number. Sole traders and partnerships providing services show their tax reference number, or their full name and address, on invoices and receipts of €7 or more (section 885 TCA). Companies show their name, CRO number and registered office, and directors’ details on letters, order forms and the website.
- Invoice timing
- Issue a VAT invoice within 15 days after the end of the month in which the supply took place.
- E-invoicing
- From 1 November 2028 every business must be able to receive e-invoices. Issuing is phased in: first for suppliers to large corporates, from November 2029 for businesses trading B2B within the EU, and from 1 July 2030 under the EU VAT in the Digital Age rules. A PDF does not count as an e-invoice, and the technical specifications are not yet published.
- VAT returns
- VAT3 returns are filed every two months through ROS, by the 19th of the following month, or the 23rd when you file online through ROS. Saldiqo does not file returns, your accountant or ROS does.
- Record keeping
- Keep records for 6 years, longer while a review is open.
- Late payment
- Interest on late business payments is the ECB main refinancing rate (2.40 % in the second half of 2026) plus 8 points, so 10.40 %, plus fixed compensation of €40, €70 or €100 depending on the amount owed.
- Getting paid
- IBAN and BIC are on every invoice, plus a SEPA QR code (EPC) for banking apps that can read it.
For bakeries in Ireland
Since 1 July 2026 Ireland applies 9 % to restaurants, catering and hot takeaway food, excluding alcohol and soft drinks. If your bakery has a café, ask your accountant which of your products this covers.
Frequently asked questions
Does Saldiqo replace the shop till?
No. Saldiqo is not a till system. Cash sales in the shop belong in a till that meets the rules of your country. Saldiqo handles invoices, delivery notes, reminders and expenses.
Can I link delivery notes and invoices?
Yes. The delivery note and the invoice belong to the same job, so you always see what was delivered and what is already billed.
How do I split costs between several branches?
With cost centres. You assign invoices, expenses and receipts to a branch and see the report per branch.
Do bakeries in Ireland have to charge VAT?
Once they are registered, yes. Registration is required from the sale that takes turnover over €42,500 a year for services or €85,000 for goods, where at least 90 % of turnover comes from goods. Below those limits Saldiqo leaves VAT off your invoices.
Do bakeries in Ireland need e-invoicing?
Not yet. From 1 November 2028 every business must be able to receive e-invoices. The duty to issue them phases in from the same date for suppliers to large corporates and later for more businesses. PDF invoices do not count as e-invoices.
How long should bakeries keep invoices?
Keep records for 6 years, longer while a review is open. You can store receipts digitally in Saldiqo. The legal duty to keep records stays with you.
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As of October 2026. General information, not legal or tax advice, without guarantee. For your case ask your tax adviser.