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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!