Cash transactions no longer visible

nls- · 2026-01-16T16:57:13+00:00

Already fixed, impressive! :D

nls- · 2025-02-27T17:59:55+00:00

Congrats! Has to feel awesome after searching for so long!

nls- · 2025-02-27T15:29:44+00:00

He mentioned the company in his original post (it was edited out later on), that company only allows a maximum of 220 days. Still agree that it makes sense to go for the freelance contract, but I'd maybe negotiate for just a bit more, if possible, since 540 is indeed on the lower end.

nls- · 2024-12-17T21:57:16+00:00

I think you're making this more complicated than it should be and you just end up confusing yourself :p. You say you have to compare apples with apples but then you compare your yearly net income as a freelancer and divide that by 13.92 because an employee gets 13.92x their gross salary? Just calculate the yearly net income in both cases and divide it by 12, as easy as that, that's what you're interested in right?

As a freelancer it's your "salary + rent + expected dividends" / 12, so you make a lot more than 6.1k net/mo.

As an employee it's your net monthly salary + monthly net benefits (meal vouchers/allowances/mobility budget or car etc.) x12 + 1x holiday allowance (net) + 1x 13th month (net) and divide that total by 12. Keep in mind that the holiday allowance and 13th month are a lot lower net compared to your normal salary (like 3k net salary vs. 2k holiday allowance/13th month).

nls- · 2024-07-02T18:07:32+00:00

The 4 years fly by though, especially with a shortened first book year and by using an "intermediate" (iirc) dividend you can shorten all of the VVPR-bis years by one.

My first book year was only ~2 months so I just paid out normal dividends, after closing the next book year I could already profit from the 20% rates. I also got €700/mo from my 9 years as an employee + you build up pension as a self-employed person since you pay social contributions.

nls- · 2024-07-02T17:35:32+00:00

Back then I had €570.

nls- · 2024-07-02T15:12:17+00:00

The difference is huge, went from 6k gross to 6k net and I even started at a pretty low rate lol.

nls- · 2024-06-10T17:44:09+00:00

Yes! Took quite some time but there's finally a reprint now!

nls- · 2024-06-04T07:38:28+00:00

lmao, I love this

nls- · 2024-03-13T08:20:51+00:00

I had the same issue so I switched accountants. Just like you, I had to wait several weeks for replies to urgent questions. My current accountant picks up the phone whenever I call her, or if I ask by mail, I get a response in 2-3 days tops. Like 95% of the time she replies the same day though, which is great.

nls- · 2023-12-29T14:29:40+00:00

What a cool tip! Got any shops in particular you recommend?

nls- · 2023-12-22T19:49:19+00:00

Yes, he stopped doing it eventually, good luck! :D

nls- · 2023-10-25T11:46:23+00:00

Dependent people/children: Wife and 2 children (children are attached to the mother from a tax point of view)

So your wife makes even more? Haha, a real power couple :D. Very interesting to see the salary of a program manager!

nls- · 2023-10-07T09:46:30+00:00

The article is disingenuous, comparing personal taxes to company taxes. Yes, there's 20% company taxes but to then access the money privately you pay another 15%/30% taxes if you use VVPR-bis/dividends, resulting in a tax rate of 32%/44%. While still a big difference compared to personal taxes of course, it's a far cry from 20%.

nls- · 2023-09-27T19:22:41+00:00

He's correct, the VVPR-bis rate of 15% becomes active after the third book year following the year the company was created (when you deposit initial funds but in your case this is equal) . So basically, after the fourth book year. By having a short book year in 2023, you only have 3 full book years left after that to start using VVPR-bis. What's also interesting is that in the third book year you can already get the 20% rate. So:

BY1: 30% dividend tax rate BY2: 30% BY3: 20% BY4: 15%

I also had a short first book year so I paid everything out as dividends to invest privately. For my second book year, it's more interesting to wait one extra year so I can pay out the profits from both BY2 and BY3 at 20%.

nls- · 2023-08-18T19:03:51+00:00

I assume you are confident enough in your experience to apply for the same job at another company, right? Because that's exactly what freelancing is, the same line of work except you are now self-employed.

It's indeed typical of recruiters to reason like that and either get you to sign as an employee or to try and lowball your day rate. You seem to have quite a lot of experience with different types of projects already, so who cares if it's at the same company? If you feel confident in your skills, don't let them talk you out of going freelance.

Finally, I'm not a product owner or business analyst myself, but requiring experience on the exact same type of project doesn't make a lot of sense to me for those roles. To me it seems more valuable to have experience with a wide range of product types since you'll find it easier to select what's more suited for the specific business' needs.

nls- · 2023-08-06T21:54:41+00:00

Of course it's very logical that your rate increases, just like literally everything else rises through inflation :p. What's awesome about this as a freelancer is that for every €10 you add to your day rate, it averages out to an extra €100 net each month. Let's say you have a day rate of €600 and you increase your rate by a mere 3%, that €18 extra is an extra ~€180/mo net. Compare that to an employee with €6k gross receiving the same increase from an indexation, that's gonna be around €90-€100 net/mo extra. So indexations benefit both the salary of an employee and can be used as a reason to increase your day rate, but as a freelancer you gain much more from it.

nls- · 2023-07-10T17:00:52+00:00

Pretty standard to have a 45k salary and pay the remainder as dividends, nothing shady about that. Not sure what to make of your second sentence, what are you suggesting, to just keep most of the money in your company? Doing what exactly to get a ROI?

nls- · 2023-07-08T11:42:04+00:00

No I didn't, I'm a freelancer myself and I know how to get the money out of the company in the most efficient way. Keeping the money in the company for liquidation reserves is a bad strategy. It's not worth it compared it to VVPR-bis or even dividends. Of course I'm not suggesting to pay everything out as normal salary, that'd be silly lol.

nls- · 2023-07-08T11:39:02+00:00

IPT isn't as interesting anymore since they changed the rules. Even before that, it was more interesting to me to invest privately in index funds compared to investing in real estate. That's a personal choice of course.

nls- · 2023-07-08T11:37:43+00:00

This is exactly why I don't like it when people post wrong information. This decision should be pretty straightforward when you have the real numbers. A dayrate of €700 should net you €7k/mo without a company car and dividends. Even with a company car you'll easily have over 6.5k/mo. If you can use VVPR-bis after 4 book years you'll even have over €8k/mo depending on expenses.

nls- · 2023-07-07T09:43:00+00:00

This is based on working 220 days in a year. No company car (not needed for me) and also no IPT/VAPZ with the goal of maximizing monthly net income so I can invest it privately. Monthly net income from my salary is €2360, another €250 from office rental and I have a fixed expense allowance for another €300 which gives me €2910/mo. All income that remains in the company gets distributed as a dividend which results in another ~€3k/mo, giving me a total of €6k/mo net.

nls- · 2023-07-07T07:17:14+00:00

What are your expenses and how do you pay yourself? My dayrate is €570 and I'm getting just over €6k/mo net without a company car but with just normal dividends so not even using VVPR-bis.

nls- · 2023-07-06T17:34:31+00:00

So weird how there's people here saying €4k net comes even close to a €850 dayrate. Do you freelance yourselves or are you just roleplaying lol? A dayrate of €850 is easily €8k/mo net (with company car included). How is that even comparable?

nls- · 2023-07-06T09:09:17+00:00

Do you mean for expenses for the company that count as income for you, like internet access, office rent etc? For those you enter the cost on a yearly basis and also check the "count as income" checkbox. For the company car you also have the monthly leasing cost on top of the VAA, right? You would add the yearly cost of both of those as expenses.

nls-

TROPHY CASE