Croatia
Custom ERP and billing, AI agents, web applications and SaaS for pharma and financial services businesses in Zagreb. Built by Flip Retail in Jaipur, India, and delivered remotely, with working software every two weeks.
01 — Local economy
Pliva, now part of Teva, has made medicines in Zagreb for more than a century, and Rimac develops electric hypercars and battery systems in Sveta Nedelja on the city's western edge. Zagrebačka banka and Privredna banka Zagreb lead the banking sector, software and IT firms employ many developers, and wholesalers distribute goods across Croatia from warehouses around the ring road.
Croatian and English
02 — Industries
What we would build first for the industries Zagreb is known for.
03 — Compliance
What an ERP, billing system or AI agent has to respect here.
| Indirect tax | VAT (PDV), standard rate 25%Standard rate 25% with reduced rates of 13% and 5%; returns are monthly or quarterly. Under Fiscalisation 2.0 invoice data is reported to the Tax Administration in real time. |
|---|---|
| E-invoicing | Mandatory · Fiscalisation 2.0 / eRačun (EN 16931, Croatian CIUS) via information intermediariesSince 1 Jan 2026 all VAT-registered businesses must issue and receive structured e-invoices for domestic B2B and B2G transactions, with invoice data fiscalised (reported) to the Tax Administration in real time. Non-VAT-registered businesses must receive e-invoices now and issue them from 1 Jan 2027 (a free MIKROeRAČUN app is offered). |
| Data protection | GDPR plus the Act on the Implementation of the General Data Protection Regulation (2018)GDPR applies directly, supplemented by the Act on the Implementation of the General Data Protection Regulation (2018) and supervised by the Personal Data Protection Agency (AZOP); B2B buyers expect an Art. 28 data processing agreement, a sub-processor list and, in practice, EU/EEA hosting or SCC-covered transfers. |
| AI rules | The EU AI Act applies directly: prohibited AI practices have been banned since 2 Feb 2025, general-purpose AI model rules apply since 2 Aug 2025 and transparency duties (e.g. chatbot disclosure, AI-content labelling) since 2 Aug 2026, while the Digital Omnibus on AI (in force 27 Jul 2026) moved stand-alone high-risk (Annex III) obligations to 2 Dec 2027 and product-embedded high-risk (Annex I) obligations to 2 Aug 2028; Croatia had not formally appointed its AI Act authorities as of mid-2026. |
| Systems we migrate from or connect to | Pantheon (Datalab), Minimax, Synesis, SAP Business One, Microsoft Dynamics 365 Business Central, OdooMasters, ledgers, stock and open balances move across and are reconciled before cutover. |
| Payment rails for web apps and SaaS | SEPA, KEKS Pay, Monri, CorvusPay, Stripe |
| Also worth knowing | B2C cash and card sales have been fiscalised in real time for years, and Fiscalisation 2.0 e-invoices require line-level KPD product classification codes. Fines for non-compliance can reach €66,360. |
General information, not legal or tax advice. Last reviewed October 2026. Rules change, so we confirm current requirements during discovery; your tax adviser should confirm anything that affects filings.
Sources consulted:
04 — Working together
Jaipur is 4 h 30 min ahead of Zagreb on standard time, and 3 h 30 min ahead during daylight saving time there. A 09:00 start there is 13:30 in Jaipur. Standard 09:00–18:00 office days overlap by 4 h 30 min to 5 h 30 min, which is enough for live calls, demos and same-day answers.
Local time, standard time.
Great communication, fluent English, delivered on time, and exceptional work.
50+ projects for 30+ clients in 11 countries over six-plus years.
05 — FAQ
Yes, remotely. Flip Retail is a software studio in Jaipur, India, with no office in Zagreb; discovery happens on video calls and you get working software every two weeks.
Jaipur is 4 h 30 min ahead of Zagreb on standard time, and 3 h 30 min ahead during daylight saving time there. A 09:00 start there is 13:30 in Jaipur. Standard 09:00–18:00 office days overlap by 4 h 30 min to 5 h 30 min, which is enough for live calls, demos and same-day answers.
Yes. Invoicing is built for Croatia's VAT (standard rate 25%). On e-invoicing: Since 1 Jan 2026 all VAT-registered businesses must issue and receive structured e-invoices for domestic B2B and B2G transactions, with invoice data fiscalised (reported) to the Tax Administration in real time. Non-VAT-registered businesses must receive e-invoices now and issue them from 1 Jan 2027 (a free MIKROeRAČUN app is offered). A custom ERP connects to eRačun through its official API or an accredited provider, and we confirm the current requirements in discovery.
You choose: your own cloud account in a region that suits you, or your own servers. Access inside the system is role-based, and during development we work on test or masked data wherever possible. GDPR applies directly, supplemented by the Act on the Implementation of the General Data Protection Regulation (2018) and supervised by the Personal Data Protection Agency (AZOP); B2B buyers expect an Art. 28 data processing agreement, a sub-processor list and, in practice, EU/EEA hosting or SCC-covered transfers.
Yes. Masters, ledgers, stock and opening balances move across and are reconciled with your accountant before cutover, ideally at a year-end or quarter-end.
Yes. Current language models handle Croatian and English well, including mixed-language messages. We still test an agent in each language your customers use before it goes live, and route anything it is unsure about to your team.
Usually one module that fixes the most expensive problem first. For pharma & life sciences that is often batch & expiry control and formula and recipe management. It goes live early, and the rest of the system follows in two-week increments while your team is already using it.
Contact
Tell us about the process you want fixed. We reply within one working day.