An expert who knows you
and your business

This depends entirely on your situation. What kind of business do you have and what is the degree of certainty that your company can also form part of your pension? For example, through a potential sale. And/or do you have sufficient resources to also invest for retirement? And what suits you? Is it safely hoarding money in your holding company (BV), separate from your operating company where potential claims may arise? Or do you have funds in annuities and is further expanding these the best method for you? In any case, what does not help is burying your head in the sand and ignoring it. It also doesn’t help if you end up with several small pension pots that all yield very little. It is truly better to brainstorm about this together and devise a plan. If necessary, we can recommend a pension specialist or financial planner from our network. However, this is certainly not always required.

Suppose you need more financial resources personally and these are available in your BV or holding company. How can you withdraw them? Will you choose the dividend route: first 15% dividend tax and then substantial interest tax (Box 2) in your annual income tax return? Or is it perhaps cheaper, or roughly the same cost, to pay out a one-time bonus in December? A calculation must then be made to determine what provides you with the greatest tax advantage. We are happy to assist you with that.

That is possible, but what is the safest and most tax-efficient way? Do you have a business with an average risk that could also face a tax claim if things take a turn for the worse? Then you don’t want to be in a situation where you have a single BV and all your cash and investments are consumed by that claim. You have often worked on this for several years, and it is frequently a portion of your pension pot. Sometimes you can limit your risk as much as possible by taking out good insurance, using proper employment conditions, etc. If you have a separate holding company (BV), you can safely store your money there, and your operating company can go bankrupt, in principle, without creditors being able to access this money. There must be no question of mismanagement or gross negligence, but we help you to do this correctly. Think of the timely filing of annual accounts and the correct establishment and reporting of dividend payments from your operating company to the holding company, and so on.

For a while, electric cars were very advantageous. But that period is now behind us. Nevertheless, there are plenty of options to consider. If you care less about having the most up-to-date car, the ‘youngtimer’ scheme might be for you. In income tax, the addition to taxable income for this car is 35% of the current market value, which can be interesting. Or is your business doing well and is it interesting for you to have a beautiful and expensive car that you drive purely for business and can therefore fully deduct? And perhaps a second car to which the youngtimer scheme applies?

The rules here are very specific and must be followed accurately, which we are happy to help with and advise on. This can also be as simple as, for example, purchasing a business electric bicycle with perhaps a 28% deduction via the small-scale investment allowance.

We cannot do much about a speeding fine, unfortunately. But beyond that, we do see fines for VAT, payroll taxes, corporate tax returns—often quickly amounting to more than €3.6k—income tax, and more. Because we have the bookkeeping on track for every client every quarter, we can actively prevent this. We clearly indicate the deadlines so that you know well in advance which obligations you must meet. Should an extension be necessary in a single case, we will arrange this on time and coordinate it with you. We consider every fine a waste of money and do our utmost to protect you from them!

Unfortunately, politics sometimes still has a budget deficit that needs to be closed. For instance, quite inconspicuously, the tax interest in income tax and corporate tax has been significantly increased. Suppose you have not yet paid a provisional corporate tax assessment, or one that is far too low, and you still have to pay €25,000 in corporate tax. You will then pay no less than 10% interest on this amount in the event of a late assessment. This is, of course, proportional to the number of days you are late. In our opinion, this is completely unjustified. And also too high. After all, why can you get a very long extension while, as soon as you use it or your accounting firm does this as standard, that 10% tax interest suddenly comes around the corner? Here too, we think along with you and advise on how you can prevent this. You will not be the first or the last entrepreneur to be confronted with this quite unexpectedly.

• Simplicity for the entrepreneur
• Income tax/Corporate tax returns, annual accounts, and more with little or no delay
• Bookkeeping up-to-date and checked every quarter
• Balance sheet and profit and loss account immediately finalized and completed in January
• Point of contact for BV entrepreneurs (Director-Major Shareholders)
• Easily accessible with quick responses
• Accounting software tailored to the client
• Clear cost structure
• Specialist in BV entrepreneurs with up to approximately 10 employees

Our motivation is to make financial health for entrepreneurs like you as simple as possible. This is reflected in everything AdminXper does. The simple accounting packages, monitoring deadlines, video-call support, as little complicated language or jargon as possible, and no or at least as little delay as possible. So that as an AdminXper client, you know in time what you are paying or receiving back.

Broadly speaking, on entrepreneurs with up to roughly 10 employees. So not the entire SME sector, but rather small businesses. Think, for example, of the following professions and sectors: Consultancy, interim professionals, IT services, startups in pharma-chemistry, graphic design, and healthcare. But also webshops, software developers, and other services. The sector in which we help the most entrepreneurs is definitely IT. This includes the development of proprietary software, programmers, data architects, website, app and graphic designers, SAP consultants, front-end and back-end website development, cybersecurity, etc.

Is it unclear whether we can help you? Call us or send an email, and we will look together at how we can clarify this quickly.

By ensuring together with you that the bookkeeping is in order every quarter. Is something not right? Then we resolve it immediately. Problems or uncertainties are not postponed. In January, we immediately close the bookkeeping for the previous year. Then the balance sheet and the profit and loss account are simply 100% correct. There is then no question of time-consuming extra measures, such as a VAT supplementary return or the correct processing of a company car.

If this succeeds, the amount of work for preparing the income tax return, any corporate tax return, and the annual accounts of a BV is manageable. And to be fair: also by simply working hard during the first half of the year without taking holidays. Fortunately, we more than make up for that during the summer holidays 🙂!

• Which (accounting) package best suits your situation and preferences.
• What your role is, what we do, and what we do together.
• The costs of working with AdminXper.

Interested? Sign up here or call us at 071-7113131 or send an email to wubbostaal@adminxper.nl.

This provides you with much more insight into your own finances than having it done by someone else.

You do not pay us for bookkeeping hours. You do pay for checks, tax returns, and, if requested, specific advice. This often allows us to handle the tax returns without delay, so that you always know where you stand.

Inquiries among our clients have shown that this takes an average of one to two hours per month.

Wubbo Staal, owner and Registered Tax Advisor.
Specialization: director-major shareholder of BVs (DGA), or the BV entrepreneur. Setting up and keeping the bookkeeping up-to-date together, and all other questions regarding checks, tax returns, and fiscal and commercial issues.

Peter van den Berg, Registered Tax Advisor
Checks, tax returns, and fiscal and commercial issues for the BV entrepreneur

Pauline van Huijstee RSA/RSP, Registered Payroll Professional.
Specializations: Payroll processing and personnel issues.

Remco Schreuders, Financial Controller
Checks, tax returns, and fiscal and commercial issues for the BV entrepreneur

Tonnie Jonk, All-round Controller and tax consultant.
Bookkeeping checks, payment service providers, and advice on administrative optimization, income tax returns, corporate tax, and more.

No, we do that for you.

Our most chosen package is €75 per month. In a free introductory meeting, we always check whether this is also suitable for you. Other costs such as the annual accounts and the corporate tax return are also at fixed rates.

• Which items are deductible and which are not
• Choice of legal form (BV versus sole proprietorship)
• Company car or private car
• How you as an entrepreneur can successfully apply for a mortgage
• Pension accumulation via annuities or investing yourself in a holding BV or otherwise
• Conversion of a sole proprietorship into a BV
• And additionally a wide variety of topics, depending on the situation.

By applying our knowledge in the financial and fiscal fields. For example:

• By creating peace of mind with bookkeeping and financial and fiscal matters fully on track
• By providing insight into your finances to show what the most profitable activities are
• With advice and choices such as the correct legal form, company car or private car
• Insight into healthy margins, for example when hiring staff
• With advice regarding hoarding money in your (holding) BV or paying it out to private accounts
• And much more…

Very simple. Send us an email or call us for a free introductory meeting. Usually, we can schedule this immediately and at short notice. Simply at our office or online via a video-call. Entirely according to your preference.