Updated: June 2026

Case study · Malta · Tax

How We Saved a Malta Permanent Residence Case Afteran Old Company Was Concealed by a Previous Agent

In Due Diligence, it is not the fact itself but its concealment that proves fatal—even if concealed inadvertently and not by you. Oleg applied for Malta Permanent Residence through an incompetent agency that negligently failed to disclose in his application forms an old liquidated company with a minor arbitration dispute from eight years prior. The RMA identified the discrepancy and issued a notice of intent to refuse—effectively a Schengen blacklist. He had 21 days to respond. We explain step-by-step how we saved the case through voluntary disclosure and an Affidavit.

Sergey EvdokimovSergey EvdokimovManaging Partner, BRIDGESReading time8 min readVerificationReviewed by an expert

This case is based on a real matter. The name and certain identifying details have been changed to protect confidentiality.

BRIDGES client story - How We Saved a Malta Permanent Residence Case After an Old Company Was Concealed by a Previous Agent
Contents

Case at a glance

Situation, solution and outcome in seven lines

Client
Oleg, approximately 45 years old
Programme
Malta Permanent Residence Programme (Malta MPRP)
Problem
Previous agent failed to disclose an old liquidated company with a minor dispute from 8 years ago
RMA Response
Notice of intent to refuse
Risk
Effectively a Schengen blacklist
Timeline
21 days to respond
Solution
Voluntary disclosure, Affidavit, legal opinion
Outcome
Case saved, permanent residence continued

Client story

Client's Background

Where they started

Oleg came to Malta Permanent Residence with a fundamentally clean history: an active business, transparent income, nothing criminal. He entrusted case preparation to an agency that, as it turned out, did not deserve that trust.

Why the standard route did not work

Eight years prior, Oleg had a small company, long since liquidated, with a minor arbitration dispute in its history—an ordinary business episode, of which any entrepreneur has dozens. This should have been disclosed in the PR application forms. However, the agency negligently simply failed to include this episode—possibly considering it insignificant or perhaps failing to conduct proper verification at all.

What BRIDGES had to solve

The problem was that RMA checks applicants against its own databases—and easily found what was missing from the application. Here a key Due Diligence principle applied: the danger lies not in the old dispute itself but in the discrepancy between the application and reality. A discrepancy is read as an attempt to conceal—and this is far more serious than the fact itself.

Why a standard answer would not do

RMA issued a notice of intent to refuse. A refusal on such grounds would effectively constitute a Schengen blacklist. He had 21 days to challenge it. Oleg contacted BRIDGES, realizing that he was being penalized not for the old company but for "concealment" that he himself did not commit.

The most frustrating part is that I didn't hide anything—the agent simply failed to list a company of mine from eight years ago. Yet it appeared as if I had concealed it. And because of this, I faced a Schengen blacklist. Sergey and his team did not argue but voluntarily disclosed everything through an Affidavit and explained that this was the agent's error. They saved the case.

Oleg, 45 · OlegThe name and certain identifying details have been changed to protect confidentiality.

What Was at Stake

What Was at Stake

In Due Diligence, a discrepancy between application and reality is more dangerous than any fact in an applicant's past: the reviewer interprets it as intent to conceal. Therefore, countering a notice must be done not by justifying the old episode but by demonstrating good faith and eliminating the discrepancy itself.

Denial of permanent residence on grounds of "false information";

  1. 01Effectively a Schengen blacklist for years to come;
  2. 02Interpretation of the agent's accidental omission as intentional concealment;
  3. 03An extremely tight 21-day deadline for rebuttal;
  4. 04A reputational shadow complicating any future applications.

The logic of the solution

How the matter progressed: from checks to result

The chart is built from the facts of this matter and shows the logic of the work without decorative or unverified data.

  1. 01
    Stage 1

    Urgently retrieved case materials and the exact wording of the RMA claim in the refusal notice.

  2. 02
    Stage 2

    Prepared a sworn Affidavit: the episode was not disclosed due to the previous agent's fault, not as a result of concealment by Oleg.

  3. 03
    Stage 3

    Gathered documents on the former company: confirmation of liquidation and statute of limitations (8 years).

  4. 04
    Stage 4

    Obtained arbitration dispute materials, demonstrating its minor and resolved nature.

  5. 05
    Stage 5

    Obtained a legal opinion on the episode's immateriality for reliability assessment purposes.

Takeaway. Oleg avoided the most severe outcome—refusal with effective Schengen blacklisting due to another's negligence. Reputational integrity was also restored: the case record established that the omission was the agent's error, not the applicant's intent.

How we solved the problem

How we solved the problem

The work was split into verifiable stages so that every conclusion rested on documents.

  1. 01

    Stage 1

    Urgently retrieved case materials and the exact wording of the RMA claim in the refusal notice.

  2. 02

    Stage 2

    Prepared a sworn Affidavit: the episode was not disclosed due to the previous agent's fault, not as a result of concealment by Oleg.

  3. 03

    Stage 3

    Gathered documents on the former company: confirmation of liquidation and statute of limitations (8 years).

  4. 04

    Stage 4

    Obtained arbitration dispute materials, demonstrating its minor and resolved nature.

  5. 05

    Stage 5

    Obtained a legal opinion on the episode's immateriality for reliability assessment purposes.

  6. 06

    Stage 6

    Submitted voluntary disclosure and objection to the notice within 21 days, eliminating the discrepancy.

Expert comment

In such cases, I always explain: Due Diligence forgives almost any past episode but does not forgive application form discrepancies—it reads as a lie. Oleg was let down by an agent who failed to include eight-year-old trivia, and because of this the person ended up on the brink of blacklisting. We did not attempt to prove the dispute was "minor"—we removed the main accusation: voluntarily disclosed everything under Affidavit and showed the client bore no responsibility for the omission. When a discrepancy is eliminated honestly, the accusation of concealment crumbles.

Sergey Evdokimov, Managing Partner, BRIDGESSergey EvdokimovManaging Partner, BRIDGES

Outcome

What the client received

Indicator
Before · After
Refusal notice
issued · overturned
Concealment charge
active · removed via Affidavit
Past dispute
red flag · recognized as immaterial
Status
under threat of blacklisting · Permanent residence approved
Status
under threat of blacklisting · Permanent residence approved
Status
under threat of blacklisting · Permanent residence approved

The refusal notice was overturned: RMA accepted the voluntary disclosure. The Affidavit cleared Oleg of the concealment charge, while documents on company liquidation and the legal opinion confirmed the insignificance of the past dispute. The permanent residence case proceeded.

Practical takeaway

What matters in a similar situation

  • Oleg avoided the most severe outcome—refusal with effective Schengen blacklisting due to another's negligence. Reputational integrity was also restored: the case record established that the omission was the agent's error, not the applicant's intent.
  • The case is an instructive lesson: in Due Diligence, it is not the past that decides—it is application form honesty. Any discrepancy must be eliminated voluntarily and promptly; then even another's mistake does not result in refusal.

FAQ

Questions people ask in a similar situation

01What is worse in Due Diligence—the fact or its concealment?

Concealment. A discrepancy between the application and reality is interpreted as intent and carries greater weight than the historical incident itself. Therefore, such discrepancies must be voluntarily disclosed.

02What is an Affidavit in this case?

A sworn statement documenting the circumstances: specifically, that the incident was omitted due to the fault of the previous agent, rather than as a result of concealment by the applicant.

03Can the case be salvaged after receiving a notice of refusal?

Yes, if action is taken within the deadline (typically 21 days): voluntarily disclose the omitted information, remove the concealment allegation, and demonstrate the immateriality of the fact.

04Will dissolution of the former business entity help?

Yes, as evidence of the historical nature and completion of the matter. Combined with dispute materials and legal opinion, this confirms the insignificance of the incident.

05Is the applicant liable for the agent's error?

Factually no, but the applicant must answer to RMA. The Affidavit shifts the responsibility for the omission to the agent and restores the applicant's good faith.

06Did RMA issue a notice of refusal due to undisclosed information?

We will urgently prepare a voluntary disclosure and Affidavit, remove the concealment allegation, and demonstrate the insignificance of the incident to challenge the refusal within the 21-day deadline.

About the author

Sergey Evdokimov

Author: Sergey Evdokimov

Managing Partner, BRIDGES

As Founder and Managing Partner of BRIDGES, I am responsible for the firm's strategy and personally lead its most complex client matters, including cases in which citizenship or residence decisions require a strategic view and consideration of capital.

I begin by defining the objective: the outcome the client needs, the facts that affect the choice, and the matters that require further review. I then establish the available directions, the sequence of work, and the key decision points.

Once the strategy has been agreed, I oversee the BRIDGES team's key decisions and remain involved at the stages that shape the course of the matter. The purpose is to give the client a clear rationale for the chosen direction and a precise understanding of the next steps.

Prepared on the basis of BRIDGES practice and reviewed by a subject-matter expert.

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Dmitry NagyInternational Tax Consultant, BRIDGES
Dmitry Nagy, International Tax Consultant, BRIDGES

Names and certain details have been changed to protect client confidentiality. The result described reflects one specific situation and is neither a public offer nor a guarantee of a similar outcome. Programme terms are stated as of 2026 and may change - please confirm current parameters with a BRIDGES consultant.