Athens Financial Services
AFS.Growth takes strategy.You plan tomorrow. We grow with you.
At AFS, we combine accounting and tax expertise with business advisory, strategic growth and technology.
We support businesses in their day-to-day financial operations, their organisation and evidence-based decision-making, creating the conditions for steady, sustainable growth.
#mazimegalonoume
- Accounting & Tax Support
- Business Advisory
- Funding & Growth
- Payroll & Employment
- Business Organisation
- Digital Solutions

01Who we are
Financial know-how becomes a business advantage.
AFS combines financial expertise, business advisory and technology, so every business can operate with a better overview, more control and a clearer direction.
We go beyond compliance. We help businesses get organised, understand their data and move forward with greater confidence.
Continuity in partnership
We get to know your business and stand beside you with steady support and a real understanding of its needs.
One team, the full picture
Accounting, tax, payroll, funding and advisory work in coordination, with a shared view and a clear direction.
From data to decisions
We turn financial data into useful information, so you can see your options and next steps more clearly.
Growth on solid ground
We support growth with financial planning, sound organisation and choices grounded in real data.
02For your business
What does your business
need today?
Choose what matters to you right now. See what deserves attention and how AFS can support you, so we start from your actual need.
Financial management
Are you in control
of your finances?
The goal: Sound accounting and tax monitoring, combined with reliable financial information, gives you better control and helps you plan your next moves.
Worth considering
- Whether you see your financial obligations in good time.
- Whether you know where your cash position stands.
- Whether your financial data actually helps you make decisions.
How AFS supports you
- Accounting and tax support.
- Tracking obligations and tax planning.
- Financial reporting and advisory support.
- Digital updates through myAFS.
03Industries
Every market.
Its own strategy.
Every sector has its own demands and opportunities. Discover how AFS combines financial expertise with business insight to support your business.
Real Estate
The key challenges
- Corporate structure, taxation and investment management.
- Revenue, costs, funding and actual returns.
- Investment planning and support for investors from Greece and abroad.
From investment opportunity to actual returns
An investment's value goes beyond the purchase price or expected income. We assess net returns, tax burdens and viability so investment decisions rest on real financial data.
04The myAFS app
Your business.
In your pocket.
Know sooner. Decide better.
Your financial picture and funding opportunities, together in one app.
Financial overview
Follow VAT and income tax based on the available myDATA records.
ESPA & funding
Stay informed about active and upcoming programmes, with an initial eligibility estimate.
Better planning
Have the information you need for your next business moves.
It is not a CRM or an accounting package. It does not replace your accountant.

- 01Register (opens in a new tab)
Register
Create an account at myafsapp.gr.
- 02
Download the app
Install myAFS on iPhone or Android.
- 03
Understand your financial position
Follow the steps in the app to start tracking your finances.
AFS 360°
One business.
Many needs.
One joined-up approach.
We combine financial expertise, strategy, organisation and technology, with services shaped around the real needs of your business.
- 01Strategy & Growth
- 02Organisation & Management
- 03Funding
- 04Accounting & Tax
- 05Payroll & Employment
- 06Technology & Automation
05Services
One team.
At every step.
Specialist services for every business need. Choose the area that interests you and discover how we can support you.
06Funding intelligence
Funding opportunities. Explored early, discussed honestly.
Funding instrument at a glance
ESPA (NSRF) Programmes
Greece's Partnership Agreement programmes, co-financed by EU structural funds, supporting investment, digital transition, innovation and entrepreneurship.
- Typically relevant for
- Investment plans, digital upgrades, new and existing businesses.
- Your eligibility
- Assessed individually by AFS — calls, criteria and deadlines change.
General information only. Not a statement of eligibility or an open call.
A funding discussion starts with your plan, not a programme name: what you want to invest in, when, and how ready your financials are. From there AFS can tell you which routes may be worth examining. No eligibility is assumed before that review.
07Go Global
Greek expertise.
International perspective.
Based in Athens, we support Greek businesses expanding abroad, international investors entering Greece and businesses operating across multiple markets.
We combine financial and tax expertise, business advisory and appropriate international partnerships. We support the planning, development and financial monitoring of your operations, according to the requirements of each country.
- Setting up and developing business operations in Greece and abroad
- Financial and tax planning for international operations
- Support for international investments and business partnerships
- Financial monitoring and coordination across countries

Leadership
The people behindthe progress.
Three different roles. One direction.
- 01
Nikolaos KaramanosChairman, AFS
“Builds relationships, creates opportunities and opens new paths for business growth.”
- 02
Elina KaramanouCEO, AFS
“Turns vision into strategy, strategy into action and growth into results.”
- 03
Marietta StratigelliHead of Accounting, AFS
“Combines accounting and tax expertise with the financial insight behind every business decision.”
09Insights
From information to decision.
Short explainers: what it means, what to consider, and a sensible next step. General guidance, not advice for your specific situation.
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Business articles and professional updates from AFS.
See all articles10Questions
Plain answers.
I already have an accountant. What more can AFS offer?
You do not necessarily need to change accountants to work with us. We can support specific needs — profitability, financial organisation, growth strategy, funding or process automation — alongside your existing advisers.
My business has revenue, but the profit does not reflect it. Can you help?
Yes. We examine where profit is generated and where it is lost, looking at operating costs, margins, cash flow and the performance of each activity. We identify the underlying causes and assess changes that could improve your financial results.
Everything goes through me. Can you help me organise my business better?
Yes. We review how your business operates, including roles, responsibilities and internal processes. We design a more effective operating model, with clearer accountability and better coordination, so management does not need to intervene at every step.
Can technology genuinely save me time and money?
Technology can reduce time spent on repetitive work. We assess your needs and design appropriate automations, digital processes and monitoring tools to improve organisation, reduce manual work and give management better oversight.
How can AFS help my business?
AFS brings together accounting and tax expertise, payroll, business advisory, organisational support, funding and technology. Depending on your needs, we can support daily operations, financial management and the decisions that shape your business growth.
Can AFS check whether my business could receive funding?
Yes. We review your business or investment plan and assess options such as ESPA, development programmes and other funding tools. Eligibility is assessed against each programme's criteria. An initial assessment does not guarantee approval.
What is myAFS, and what does it offer me?
myAFS is a business information app. It helps you follow VAT and income tax estimates based on the available data in AADE's myDATA as it is updated. It also provides information on active and expected ESPA and funding programmes, with an initial assessment of key eligibility criteria — not a guarantee of approval. It is not a CRM or accounting system and does not replace your accountant. It gives you useful information earlier, rather than waiting for a monthly update.
Do you support businesses and investors in Greece and abroad?
Yes. We support Greek businesses expanding abroad, international investors entering Greece and businesses operating across markets. We combine financial and tax expertise, business advisory and appropriate international partnerships, according to the requirements of each activity and country.
Which businesses does AFS work with?
We work with SMEs, growing businesses, established companies, investors and entrepreneurs across different sectors. We support both specific specialist needs and long-term partnerships covering financial operations, organisation and growth.
What does #mazimegalonoume mean to AFS?
It means “we grow together” — and describes how we approach a partnership. We get to know your business, understand your goals and support each next step. A valuable partnership does more than meet today's needs: it evolves with your business.
Do you recognise any of these needs in your own business?
Your business’s next step, together.
We talk through your needs and find where AFS can support you.








