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Gibraltar Financial Institution Audit Checklist: A Comprehensive Guide

Located at the southern tip of the Iberian Peninsula, Gibraltar has a unique financial landscape that requires companies to adhere to specific regulations and guidelines. As a result, auditing is a crucial aspect of maintaining transparency and ensuring compliance with tax laws.

Key Legislation


Financial Reporting Standards


Company Classification


  • Large:
    • £36 million revenue

    • £18 million assets

    • 250 employees

  • Medium-sized:
    • <£36 million revenue
    • <£18 million assets
    • <250 employees
  • Micro:
    • <£632,000 revenue
    • <£632,000 assets
    • <10 employees
  • Small:
    • <£10.2 million revenue
    • <£5.1 million assets
    • <50 employees

Audit Requirements


  • Large companies: full financial statements with auditor’s opinion
  • Medium-sized companies: condensed financial statements with auditor’s opinion
  • Micro and small companies: condensed financial statements without auditor’s opinion

Tax Filing Requirements


  • Companies incorporated in Gibraltar or with income taxable in the territory must prepare and file tax accounts with HM Government of Gibraltar
  • Tax returns must be filed within 9 months after the end of the financial year
  • Penalties for late filing and payment include:
    • Initial late filing penalty: £50
    • Additional penalties for delays over 3-6 months: £300-£500
    • Late payment penalties: 10%-20% of outstanding tax

Penalties for Failure to File Accounts with the Gibraltar Companies House


  • First penalty: £100
  • Additional penalty for another 12-month delay: £50
  • Total potential penalties and filing fees: £175

Conclusion

Auditing is a critical aspect of doing business in Gibraltar. By understanding the key legislation, financial reporting standards, company classification, audit requirements, and tax filing requirements, companies can ensure compliance with regulations and maintain transparency.