Topics
Beyond the tax return: pension, setting money aside, your hourly rate, hiring, and the step from eenmanszaak to BV.
18 articles
How much should your freelance emergency fund be? Learn why 3–6 months of expenses matters, how to structure it, and the tax implications of a large balance.
26 June 2026 · 9 min read
Growth & running your businessRunning into debt as a freelancer? Learn about payment plans with the tax office, the Bbz support scheme, debt restructuring and bankruptcy, and when to seek help.
26 June 2026 · 8 min read
Growth & running your businessMicrocredits, bank loans, leasing and crowdfunding: when borrowing makes sense for your freelance business and how lenders evaluate your risk.
26 June 2026 · 9 min read
Growth & running your businessCan you claim the 30% ruling as a freelancer? The short answer: not as a solo eenmanszaak. But a BV with a DGA salary can keep it. Here's the tax break-even for incoming expats.
26 June 2026 · 8 min read
Growth & running your businessBreak the time-for-money ceiling: productizing, recurring revenue, raising rates, subcontracting, and building a team. Explore each growth path with its trade-offs.
26 June 2026 · 13 min read
Growth & running your businessRaising your hourly rate is uncomfortable. Learn the signals it's time, how to approach existing clients without losing them, and how to price new clients differently.
26 June 2026 · 9 min read
Growth & running your businessAre model agreements (modelovereenkomsten) still an effective safeguard against false self-employment claims? What changed in 2024 and what they can still do for you.
26 June 2026 · 7 min read
Growth & running your businessHow to work as a subcontractor or collaborate with other freelancers: invoicing, liability, chain responsibility, and avoiding the false self-employment (DBA) trap.
26 June 2026 · 8 min read
Growth & running your businessHow does the Dutch state pension (AOW) work for freelancers? Understand the rising retirement age, the benefit amount, and how to close the gap with your own pension savings.
26 June 2026 · 9 min read
Growth & running your businessWhat is schijnzelfstandigheid (false self-employment)? A guide to the three criteria, your risks, and how to structure your freelance work legitimately in 2026.
26 June 2026 · 11 min read
Growth & running your businessHow to plan for retirement as a self-employed person: AOW, jaarruimte, lijfrente, and the tax advantages of saving for pension now.
21 June 2026 · 6 min read
Growth & running your businessHow to smooth irregular freelance income, set up separate savings pots, invoice early, and plan for quarterly tax and BTW payments without cash crises.
15 June 2026 · 7 min read
Growth & running your businessCombining freelance work with employment: the urencriterium challenge, how both incomes are taxed together, KOR strategy, and employer tax credits.
12 June 2026 · 7 min read
Growth & running your businessHow a Dutch VOF works: shared profit, tax treatment, liability, partnership agreements, and when to form one with a co-worker.
10 June 2026 · 8 min read
Growth & running your businessA practical rule of thumb for how much to reserve from every invoice for BTW, income tax, and the Zvw contribution — with worked examples.
9 June 2026 · 6 min read
Growth & running your businessWhat changes when you hire your first staff member: payroll, employer contributions, contracts, and the real cost of employment.
5 June 2026 · 7 min read
Growth & running your businessA bottom-up calculation for your freelance hourly rate: from desired income to billable hours, accounting for non-billable time, costs, tax and buffers.
2 June 2026 · 6 min read
Growth & running your businessUnderstanding the break-even for switching from sole proprietorship to a BV: profit levels, tax rates, and the real costs of incorporation.
30 May 2026 · 7 min read
ZZP Belasting
ZZP Belasting turns your invoices and expenses into a ready-to-file quarterly BTW return and a live income-tax forecast. Built for Dutch freelancers.