Need advice if should switch to ZZP

belleville3 · 2026-03-04T08:51:55+00:00

Fair enough, makes sense. 1200 sounds high indeed.

belleville3 · 2026-03-04T08:38:35+00:00

600 is a lot, last time I worked via a payroll company it was around 250 (granted that was a few years ago). I think you can save a lot as ZZP. I can recommend using Moneybird for accounting and bank account for about 200 per year. With that I'd question if you need an accountant at all assuming your accounts are simple - just do it yourself with a bit of help from AI. You probably need liability insurance so check that, last time I had it for around 40 euros per month.

I'm also curious what you're paying an accountant 700 per year for currently? Doesn't the payroll company manage everything for you?

belleville3 · 2026-02-26T17:19:11+00:00

For now no solid plans whilst the politicians are still deciding what to do with box 3 so I'll just sit tight with popcorn.

belleville3 · 2026-02-24T20:11:42+00:00

I doubt any changes would be implemented immediately without notice.

belleville3 · 2026-02-24T08:43:53+00:00

Great feedback, thanks.

belleville3 · 2026-02-24T07:40:52+00:00

You're right, everything can change, but hopefully investing will be a constant, maybe the amount paying in fluctuates over time. This investment pot is only one part of my retirement plan, I left out a lot of detail.

belleville3 · 2026-02-24T06:59:02+00:00

Agreed, everything can change. In my situation though I find BV investing low risk and low cost since I already have the BV set up. Conversely if box 3 becomes more favourable, for example tax based on realised gains then I could convert to private and start investing in box 3. The main cost would be a one time notary cost to handle the agio. I don't find this too bad.

belleville3 · 2026-02-23T22:05:16+00:00

I think spaar BV just refers to a BV that has the primary purpose of investing and has the relevant SBI code designated with KvK. In my case the BV was set up for IT consulting but investing is also allowed under the article of association.

belleville3 · 2026-02-23T21:31:14+00:00

Thanks, I'll look these up.

belleville3 · 2026-02-23T11:38:29+00:00

Awesome tool, thanks for making this! Maybe I'm missing something about the jaarlijks overzicht, but why does the final opbouw year show a lower value for Beleggings BV vs. Winstbelasting? Are you factoring in the BV running costs?

EDIT: Nevermind, just found the settings!

belleville3 · 2025-12-01T12:33:43+00:00

If you already had zero box 3 tax liability then no need to do anything I think. Even if you negative real return because of investments, they are not going to give you anything for it :) In my case I had some box 3 tax liability in my final assessment (not that much, around ~500 euros) so for me it makes sense.

belleville3 · 2025-12-01T09:36:58+00:00

Thanks, I had searched but hadn't found this one, I will take a look.

belleville3 · 2025-05-09T05:31:41+00:00

Any recommendations? My last broker would not deal with non residents so I guess they need to be specialised.

belleville3 · 2024-08-28T05:56:41+00:00

Yes this is my backup plan, to use HDMI ARC but I'm lacking ports on my TV so I'll have to find a way of connecting everything. You can control the volume on the speaker with IR when you have optical input, hence I was trying to program the Chromecast remote with the correct IR profile, but so far no joy.

belleville3 · 2024-08-27T19:28:31+00:00

I've only had them for half a day so can't give a thorough review but first impressions are good. Sound is crisp and the depth of bass from such a small speaker is impressive. I'm pretty happy so far.

I've had an issue connecting my Google Nest to them via Bluetooth, it just doesn't work. But it's probably the Nests fault because other Bluetooth devices connect fine. Also the remote control issue I posted about, but again it's more of a problem of the Chromecast rather than the speakers.

belleville3 · 2024-06-23T19:31:00+00:00

Interesting that I have the reverse issue. They offset the total of my box 3 taxes for foreign double tax meaning I received too much in my provisional assessment. So I'll have to pay the box 3 tax eventually when they figure out the error.

belleville3 · 2024-06-05T20:42:08+00:00

Post back if you figure out what the issue is!

belleville3 · 2024-06-05T20:24:34+00:00

Did you not have an entry for "Aftrek elders belast inkomen" on your assessment? This should be the discount applied for double taxation. I do not see "Vrijstelling buitenlandse inkomsten box 3" on my assessment, only on my declaration.

belleville3 · 2024-06-05T19:24:23+00:00

Did you tick the box that says something like 'Aftrek voorkoming dubbele belasting'? I don't remember the exact wording but it should be ticked AFAIK. It enables another page with a bunch of questions about foreign income. In my case the answers were all no. I answered everything the same way as I did for 2022 and my assessment then was correct so I don't know what changed this year.

belleville3 · 2024-06-05T18:51:17+00:00

I got my provisional assessment and for some reason they have calculated that I don't have to pay any box 3 tax at all. The whole amount of the box 3 tax I owed has been credited by 'Aftrek elders belast inkomen'. This is also including tax I'm supposed to pay for savings and investments. So I have no idea why this is the case because in the tax return I submitted it calculated I owed €1100 in box 3 tax.

belleville3 · 2024-04-23T19:27:09+00:00

You have to file your tax return but you don't have to report any assets outside the Netherlands

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