{"id":12050,"date":"2026-07-30T10:03:00","date_gmt":"2026-07-30T03:03:00","guid":{"rendered":"https:\/\/voffice.co.id\/blog\/?p=12050"},"modified":"2026-07-30T10:03:00","modified_gmt":"2026-07-30T03:03:00","slug":"requirements-to-establish-a-financial-consulting-firm-in-indonesia","status":"publish","type":"post","link":"https:\/\/voffice.co.id\/blog\/en\/requirements-to-establish-a-financial-consulting-firm-in-indonesia\/","title":{"rendered":"Requirements to Establish a Financial Consulting Firm in Indonesia 2026: A Complete Legal Guide"},"content":{"rendered":"<p><strong>The requirements to establish a financial consulting firm in Indonesia<\/strong> combine three things: choosing a legal entity, registering the correct KBLI business classification code, and confirming whether the OJK (Financial Services Authority) licensing requirement applies to the specific services being offered. Not every financial consultant needs the same license, and picking the wrong path can get an NIB application rejected or trigger regulatory penalties later.<\/p>\n<div style=\"background: #f8f9fa; border-left: 4px solid #a82f62; border-radius: 0 8px 8px 0; padding: 16px 20px; margin: 24px 0;\">\n<p style=\"font-weight: bold; margin: 0 0 10px 0; color: #a82f62;\">Key Takeaways<\/p>\n<ul style=\"margin: 0; padding-left: 20px; line-height: 1.8;\">\n<li>General financial consulting (budgeting, financial planning) registers under KBLI 70209 and does not require an OJK license.<\/li>\n<li>Advising clients on buying or selling securities requires an OJK Investment Advisor license under Article 34(1) of the Capital Market Law.<\/li>\n<li>PT authorized capital has had no statutory minimum since Government Regulation No. 8 of 2021, except for specific sectoral businesses.<\/li>\n<li>A virtual office is valid as a PT&#8217;s legal domicile as long as it sits in a commercial zone that passes RDTR verification in the OSS RBA system.<\/li>\n<\/ul>\n<\/div>\n<h2>What Legal Entity Fits a Financial Consulting Business Best?<\/h2>\n<figure id=\"attachment_12051\" aria-describedby=\"caption-attachment-12051\" style=\"width: 735px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"size-full wp-image-12051\" src=\"https:\/\/voffice.co.id\/blog\/wp-content\/uploads\/2026\/07\/financial-consultant2-1.webp\" alt=\"Requirements to Establish a Financial Consulting Firm in Indonesia 2026\" width=\"735\" height=\"490\" srcset=\"https:\/\/voffice.co.id\/blog\/wp-content\/uploads\/2026\/07\/financial-consultant2-1.webp 735w, https:\/\/voffice.co.id\/blog\/wp-content\/uploads\/2026\/07\/financial-consultant2-1-300x200.webp 300w\" sizes=\"(max-width: 735px) 100vw, 735px\" \/><figcaption id=\"caption-attachment-12051\" class=\"wp-caption-text\">Requirements to Establish a Financial Consulting Firm in Indonesia 2026<\/figcaption><\/figure>\n<p>Most financial consultants in Indonesia set up as a PT (Perseroan Terbatas) because its legal-entity status separates personal assets from company liabilities. That separation matters for consultants who handle client funds or sensitive financial data, since professional liability claims are a real risk in this line of work.<\/p>\n<p>A CV remains an option for small independent consultants, but the active partner still carries personal liability if a dispute arises. A PT Perorangan, introduced under Government Regulation No. 8 of 2021, suits a solo consultant who wants legal-entity status without recruiting a co-founder, provided annual revenue still fits the micro or small business category.<\/p>\n<p><strong>Tips from vOffice consultant team:<\/strong><\/p>\n<ul>\n<li>Consultants targeting corporate clients should go straight for a standard PT, since many large companies require a PT-status vendor during procurement.<\/li>\n<li>If you&#8217;re starting solo and clients are mostly individuals or SMEs, a PT Perorangan is enough for now and can convert to a standard PT once the business scales.<\/li>\n<li>Don&#8217;t bundle general consulting plans with investment product sales in one deed without first confirming the KBLI codes are compatible.<\/li>\n<\/ul>\n<h2>What Documents and Requirements Apply to Setting Up a PT for Financial Consulting?<\/h2>\n<p>Under Law No. 40 of 2007 on Limited Liability Companies, the requirements for establishing a financial consulting PT include:<\/p>\n<ol>\n<li>At least two founders, Indonesian or foreign, each holding shares.<\/li>\n<li>A company name of at least three words in Indonesian, not already used by another entity.<\/li>\n<li>A founding deed drafted in Indonesian before a licensed, sworn notary.<\/li>\n<li>A management structure of at least one Director and one Commissioner, both legally competent individuals.<\/li>\n<li>A clear business domicile address verified against zoning in the OSS RBA system.<\/li>\n<\/ol>\n<p>Supporting documents notaries typically request include the ID cards and tax numbers of all founders, a domicile certificate, and the capital structure. If a founder uses a power of attorney for part of the process, that document needs to be prepared in advance too.<\/p>\n<p>For business owners who want every document verified before submission to the Ministry of Law and Human Rights, <a href=\"https:\/\/voffice.co.id\/en\/services\/pt-company-registration\">vOffice&#8217;s PT registration service<\/a> covers deed drafting through NIB issuance, reducing the risk of a rejected filing midway through the process.<\/p>\n<h2>What Is the Minimum Capital to Establish a Financial Consulting PT?<\/h2>\n<p>A financial consulting PT has no statutory minimum authorized capital since Government Regulation No. 8 of 2021 on Company Authorized Capital took effect. Article 3(2) of the regulation leaves the capital amount entirely to the founders&#8217; agreement, removing the old Rp50 million floor from the 2007 Company Law.<\/p>\n<p>That said, at least 25 percent of the stated authorized capital must be paid in at establishment and proven through a bank account under the PT&#8217;s name. The capital figure listed also determines the business scale classification under Government Regulation No. 7 of 2021 on SMEs, which affects the type of OSS RBA license issued. Consultants targeting state-owned enterprises or government tenders typically need a larger capital figure to qualify as a medium-scale business.<\/p>\n<h2>Which KBLI Code Applies to a Financial Consulting Business?<\/h2>\n<p>The primary KBLI code for general financial consulting is 70209, Other Management Consultancy Activities, which covers budget planning, non-securities investment strategy, and corporate financial efficiency services. This code is classified as low-to-medium risk, so the NIB is generally issued automatically without requiring an additional Standard Certificate.<\/p>\n<p>One thing worth noting for 2026: BPS Regulation No. 7 of 2025 replaced KBLI 2020 with KBLI 2025, with a full transition deadline of June 18, 2026. Businesses still using the old code should verify it in OSS before the transition window closes, since some code structures changed even where the underlying activity description looks similar.<\/p>\n<p>To confirm the chosen KBLI isn&#8217;t flagged as <a href=\"https:\/\/voffice.co.id\/blog\/en\/what-is-kbli-single-purpose-in-indonesia\/\">single purpose, which blocks pairing it with other codes<\/a>, check the code detail in OSS before drafting the deed. Consultants planning to add other business lines later should also understand the distinction between a primary and supporting KBLI code before the structure is set in the deed.<\/p>\n<h2>Does a Financial Consultant Need an OJK License?<\/h2>\n<p>Not every financial consultant needs an OJK license. What determines it is the type of service offered, not the business name.<\/p>\n<p>Consultants who help clients with budgeting, cash management strategy, or financial efficiency without recommending the purchase or sale of specific securities can register under KBLI 70209 with no additional sectoral license required. But once the service crosses into advising clients on buying or selling securities in exchange for a fee, the business falls under Investment Advisor and requires an OJK business license under Article 34(1) of the Capital Market Law. One core requirement: the company must employ staff holding an individual Investment Manager Representative license.<\/p>\n<p>There&#8217;s a third path that&#8217;s often confused with the other two: an Accounting Services Office. If the scope includes bookkeeping or financial statement compilation for clients, that license is governed by Minister of Finance Regulation No. 25\/PMK.01\/2014, and requires the business leader to be a state-registered accountant, with at least 51 percent Indonesian ownership if structured as a PT.<\/p>\n<div style=\"background: #f0e6ea; border-left: 4px solid #a82f62; border-radius: 0 8px 8px 0; padding: 16px 20px; margin: 24px 0;\">\n<p style=\"font-weight: bold; margin: 0 0 8px 0; color: #a82f62;\">Notes from vOffice Consultants<\/p>\n<p style=\"margin: 0; color: #333;\">The most common mistake we see is a client registering under the general management consulting KBLI while their marketing materials already mention specific stock or mutual fund recommendations. Before drafting the deed, we always ask to see the planned marketing content first, since that&#8217;s usually the clearest signal of whether the business needs an OJK license or can proceed with the general consulting KBLI.<\/p>\n<\/div>\n<div style=\"background: #a82f62; border-radius: 8px; padding: 24px; margin: 32px 0; text-align: center;\">\n<p style=\"margin: 0 0 6px 0; font-size: 18px; font-weight: bold; color: #fff; text-align: center;\">Not Sure If Your Business Needs an OJK License?<\/p>\n<p style=\"margin: 0 0 20px 0; color: rgba(255,255,255,0.75); font-size: 14px; text-align: center;\">vOffice&#8217;s legal team, trusted by 50,000+ clients, maps out the right licensing path before the deed is drafted.<\/p>\n<div style=\"text-align: center;\"><a style=\"background: #fff; color: #a82f62; padding: 12px 32px; border-radius: 6px; text-decoration: none; font-weight: bold; display: inline-block;\" href=\"https:\/\/voffice.co.id\/en\/services\/virtual-office\">See Virtual Office Address Options<\/a><\/div>\n<div style=\"height: 15px;\"><\/div>\n<div style=\"text-align: center;\"><a style=\"background: #25D366; color: #fff; padding: 12px 28px; border-radius: 6px; text-decoration: none; font-weight: bold; display: inline-block;\" href=\"https:\/\/api.whatsapp.com\/send\/?phone=6281281923993&amp;text=I%20want%20to%20consult%20about%20domicile%20and%20licensing%20for%20a%20financial%20consulting%20business.%0A%0ASource%3A%20article%20%22Requirements%20to%20Establish%20a%20Financial%20Consulting%20Firm%20in%20Indonesia%202026%22%20(SEO)\" target=\"_blank\" rel=\"noopener nofollow\">Get a free consultation<\/a><\/div>\n<\/div>\n<h2>What Are the Risks of Operating Without the Right License?<\/h2>\n<p>Running an Investment Advisor business without an OJK license violates Article 34(1) of the Capital Market Law and can trigger administrative sanctions from OJK, ranging from a written warning to a suspension of business activities. A case involving a digital financial consulting platform sanctioned by OJK for giving unlicensed stock recommendations is a reminder that oversight in this sector has only tightened, not eased.<\/p>\n<p>Beyond OJK exposure, consultants who hold client financial data are also bound by Law No. 27 of 2022 on Personal Data Protection. A data breach or misuse can lead to administrative sanctions and, in cases of deliberate violation, criminal penalties. Setting up proper data security and client confidentiality agreements from day one is far cheaper than dealing with the fallout after an incident.<\/p>\n<h2>How Do You Choose a Valid Domicile for a Financial Consulting Business?<\/h2>\n<p>Financial consultants generally don&#8217;t need a large physical office, since most client work happens at the client&#8217;s location or over video call. Article 5 of the 2007 Company Law requires every PT to have a clear registered address, and a virtual office satisfies this as long as it sits in a commercial zone that passes RDTR verification in the OSS RBA system.<\/p>\n<p>For consultants running a small team, picking the right package also helps control overhead. A closer look at <a href=\"https:\/\/voffice.co.id\/blog\/en\/virtual-office-for-agencies-and-consultants-small-team\/\">virtual office packages for small agency and consultant teams<\/a> is worth reviewing before deciding which tier fits your client meeting frequency.<\/p>\n<h2>What Is the Step-by-Step Process to Establish a Financial Consulting PT?<\/h2>\n<p>Setting up a financial consulting PT in Indonesia in 2026 generally follows these steps.<\/p>\n<ol>\n<li>Check and reserve the company name through the Ministry of Law and Human Rights&#8217; SABH system.<\/li>\n<li>Confirm the business domicile passes RDTR zoning verification before listing it in the deed.<\/li>\n<li>Draft the founding deed before a notary, including the KBLI code and capital structure.<\/li>\n<li>Submit the deed for legal-entity approval through the Ministry&#8217;s AHU system.<\/li>\n<li>Register the company tax number through the Directorate General of Taxes&#8217; Coretax system.<\/li>\n<li>Obtain the NIB business license through the OSS RBA system based on the registered KBLI.<\/li>\n<li>Deposit at least 25 percent of the authorized capital into the PT&#8217;s bank account.<\/li>\n<\/ol>\n<p>A full walkthrough of each technical step, including the documents to prepare before meeting a notary, is covered in <a href=\"https:\/\/voffice.co.id\/blog\/en\/complete-guide-to-creating-an-online-pt\/\">the complete guide to creating a PT online<\/a>.<\/p>\n<p><strong>Legal Basis for Establishing a Financial Consulting Business<\/strong><\/p>\n<ol>\n<li><strong>Law No. 40 of 2007 on Limited Liability Companies<\/strong>, currently in force, governs the basic requirements and structure of a PT.<\/li>\n<li><strong>Government Regulation No. 8 of 2021 on Company Authorized Capital<\/strong>, currently in force, removes the minimum capital floor for non-sectoral PTs.<\/li>\n<li><strong>Law No. 8 of 1995 on Capital Markets, Article 34(1)<\/strong>, requires an OJK business license for Investment Advisor activities.<\/li>\n<li><strong>Minister of Finance Regulation No. 25\/PMK.01\/2014<\/strong>, governs Accounting Services Office licensing for consultants offering bookkeeping.<\/li>\n<li><strong>Law No. 27 of 2022 on Personal Data Protection<\/strong>, governs client data security obligations.<\/li>\n<\/ol>\n<h2>How Long Does It Take and What Does It Cost to Establish a Financial Consulting PT?<\/h2>\n<p>Handled independently, PT registration typically takes 7 to 14 business days, depending on how fast domicile verification and founder documentation move. Using a professional service can speed this up since documents are checked before submission.<\/p>\n<p>Cost components include notary fees, Ministry of Law and Human Rights processing fees, domicile costs, and optional consultant assistance fees. Consultants who choose a package that bundles a virtual office already have the domicile cost covered, so there&#8217;s no need to lease a separate address.<\/p>\n<div style=\"background: #a82f62; border-radius: 8px; padding: 24px; margin: 32px 0; text-align: center;\">\n<p style=\"margin: 0 0 6px 0; font-size: 18px; font-weight: bold; color: #fff; text-align: center;\">Ready to Register Your Financial Consulting PT?<\/p>\n<p style=\"margin: 0 0 20px 0; color: rgba(255,255,255,0.75); font-size: 14px; text-align: center;\">vOffice, ISO 9001-certified, guides you from KBLI selection through NIB issuance.<\/p>\n<div style=\"text-align: center;\"><a style=\"background: #fff; color: #a82f62; padding: 12px 32px; border-radius: 6px; text-decoration: none; font-weight: bold; display: inline-block;\" href=\"https:\/\/voffice.co.id\/en\/services\/pt-company-registration\">View PT Registration Packages<\/a><\/div>\n<div style=\"height: 15px;\"><\/div>\n<div style=\"text-align: center;\"><a style=\"background: #25D366; color: #fff; padding: 12px 28px; border-radius: 6px; text-decoration: none; font-weight: bold; display: inline-block;\" href=\"https:\/\/api.whatsapp.com\/send\/?phone=6281280055105&amp;text=I%20want%20to%20consult%20about%20registering%20a%20PT%20for%20a%20financial%20consulting%20business.%0A%0ASource%3A%20article%20%22Requirements%20to%20Establish%20a%20Financial%20Consulting%20Firm%20in%20Indonesia%202026%22%20(SEO)\" target=\"_blank\" rel=\"noopener nofollow\">Get a free consultation<\/a><\/div>\n<\/div>\n<p><strong>References<\/strong><\/p>\n<p><strong>1.<\/strong> Ministry of Law and Human Rights. (2007). <em>Law No. 40 of 2007 on Limited Liability Companies<\/em>. Retrieved from<br \/>\nhttps:\/\/peraturan.bpk.go.id\/Details\/40845\/uu-no-40-tahun-2007<\/p>\n<p><strong>2.<\/strong> Government of Indonesia. (2021). <em>Government Regulation No. 8 of 2021 on Company Authorized Capital<\/em>. Retrieved from<br \/>\nhttps:\/\/peraturan.go.id\/id\/pp-no-8-tahun-2021<\/p>\n<p><strong>3.<\/strong> Financial Services Authority (OJK). (2024). <em>Investment Advisor<\/em>. Sikapi Uangmu OJK. Retrieved from<br \/>\nhttps:\/\/sikapiuangmu.ojk.go.id\/FrontEnd\/CMS\/Article\/259<\/p>\n<p><strong>4.<\/strong> Statistics Indonesia (BPS). (2020). <em>BPS Regulation No. 2 of 2020 on the Indonesian Standard Business Classification<\/em>. Retrieved from<br \/>\nhttps:\/\/bps.go.id\/id\/regulation\/2020\/09\/30\/3\/peraturan-bps-nomor-2-tahun-2020.html<\/p>\n<p><strong>5.<\/strong> Government of Indonesia. (2022). <em>Law No. 27 of 2022 on Personal Data Protection<\/em>. Retrieved from<br \/>\nhttps:\/\/peraturan.go.id\/id\/uu-no-27-tahun-2022<\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"ItemList\",\n  \"name\": \"Steps to Establish a Financial Consulting PT in Indonesia\",\n  \"itemListElement\": [\n    { \"@type\": \"ListItem\", \"position\": 1, \"name\": \"Reserve the company name via SABH\" },\n    { \"@type\": \"ListItem\", \"position\": 2, \"name\": \"Verify domicile against RDTR zoning\" },\n    { \"@type\": \"ListItem\", \"position\": 3, \"name\": \"Draft the founding deed before a notary\" },\n    { \"@type\": \"ListItem\", \"position\": 4, \"name\": \"Submit for legal-entity approval via AHU\" },\n    { \"@type\": \"ListItem\", \"position\": 5, \"name\": \"Register the tax number via Coretax\" },\n    { \"@type\": \"ListItem\", \"position\": 6, \"name\": \"Obtain the NIB through OSS RBA\" },\n    { \"@type\": \"ListItem\", \"position\": 7, \"name\": \"Deposit at least 25% of 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