← Netherlands hubs Make-up Artist
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Amira is a freelance make-up artist navigating the Dutch gig economy while balancing her business taxes and personal life. This hub covers the essential national support, tax structures, and social safety nets she encounters while working across the Netherlands.
Managing the legal and tax side of being a freelancer is essential for staying compliant and avoiding penalties.
Chamber of Commerce Registration Inschrijving Kamer van Koophandel national · KVK
Who qualifies Every freelancer operating a business in the Netherlands.
What you get Legal business identity and KVK number.
What it actually costs you One-time registration fee of €80.10.
Common gotcha You must register within one week before or after starting your business activities.
VAT ID and Tax Returns BTW-aangifte national · Belastingdienst
Who qualifies All freelancers providing services.
What you get Ability to charge VAT and reclaim VAT on business expenses.
What it actually costs you Quarterly filing; requires accurate bookkeeping.
Common gotcha Filing late results in automatic fines even if you owe zero tax.
Self-Employed Tax Deduction Zelfstandigenaftrek national · Belastingdienst
Who qualifies Entrepreneurs who spend at least 1,225 hours per year on their business.
What you get A fixed deduction from your taxable income, lowering your income tax.
What it actually costs you Requires strict time tracking to prove hours.
Common gotcha The deduction amount is being phased out annually until 2027.
Small Business Scheme Kleineondernemersregeling (KOR) national · Belastingdienst
Who qualifies Businesses with an annual turnover below €20,000.
What you get Exemption from charging VAT and filing VAT returns.
What it actually costs you You cannot reclaim VAT on your own business investments.
Common gotcha Once you opt in, you are committed for at least three years.
Entrepreneur Deduction Startersaftrek national · Belastingdienst
Who qualifies New entrepreneurs in their first 5 years of business.
What you get An extra tax deduction of €2,123 on top of the self-employed deduction.
What it actually costs you Must meet the 1,225-hour criteria.
Common gotcha Only available if you haven't been an entrepreneur for more than 3 of the last 5 years.
SME Profit Exemption MKB-winstvrijstelling national · Belastingdienst
Who qualifies All entrepreneurs paying income tax on business profits.
What you get A 13.31% exemption on your taxable profit.
What it actually costs you Automatic calculation in your annual tax return.
Common gotcha This is applied after other deductions like the self-employed deduction. As a freelancer, I don't have an employer to pay for my health insurance, so I must manage it myself.
Healthcare Allowance Zorgtoeslag national · Belastingdienst
Who qualifies Low to middle-income earners meeting specific wealth criteria.
What you get Monthly subsidy to help pay for mandatory health insurance premiums.
What it actually costs you Application via DigiD; income must be updated if it changes.
Common gotcha If you earn more than expected, you must pay back the allowance at the end of the year.
Mandatory Basic Health Insurance Basisverzekering national · Zorginstituut Nederland
Who qualifies All residents of the Netherlands.
What you get Coverage for essential medical care, GP visits, and hospital stays.
What it actually costs you Monthly premium (approx €140-€160) and mandatory deductible (eigen risico).
Common gotcha The 'eigen risico' (deductible) is at least €385 per year.
General Practitioner Access Huisarts national · Ministerie van VWS
Who qualifies All residents registered with a GP.
What you get Primary medical care and referrals to specialists.
What it actually costs you Free at point of service (covered by basic insurance).
Common gotcha You cannot see a specialist without a referral from your GP.
Dental Care for Children Tandartszorg tot 18 jaar national · Zorginstituut Nederland
Who qualifies All children under 18.
What you get Full coverage for most dental treatments.
What it actually costs you Zero cost; no deductible applies.
Common gotcha Orthodontics are usually not covered under this.
Mental Health Care Basis GGZ national · Zorginstituut Nederland
Who qualifies Patients with mild to moderate mental health issues.
What you get Psychological support and therapy.
What it actually costs you Requires GP referral; counts towards your deductible.
Common gotcha Wait times can be long; check your insurer's 'zorgbemiddeling'.
Pregnancy Benefit for Freelancers ZEZ-uitkering national · UWV
Who qualifies Female freelancers who are pregnant.
What you get At least 16 weeks of financial support during maternity leave.
What it actually costs you Must apply at least 2 weeks before the start date.
Common gotcha The amount depends on your previous year's profit. Housing is expensive, and these schemes help keep costs manageable for self-employed individuals.
Rent Allowance Huurtoeslag national · Belastingdienst
Who qualifies Renters living in independent housing with income below a certain threshold.
What you get Monthly contribution towards rent costs.
What it actually costs you Requires a rental contract and meeting asset limits.
Common gotcha If your rent is too high (above the 'liberalization limit'), you don't qualify.
Energy Allowance Energietoeslag national · Gemeente
Who qualifies Low-income households struggling with energy bills.
What you get One-off payment to help cover rising energy costs.
What it actually costs you Application via your local municipality.
Common gotcha Criteria change yearly and vary slightly by municipality.
Water Tax Refund Waterschapsbelasting kwijtschelding national · Waterschap
Who qualifies Low-income individuals who cannot pay the water board tax.
What you get Exemption or reduction of the annual water tax bill.
What it actually costs you Must prove low income and limited assets.
Common gotcha You must apply for this specifically; it is not automatic.
Mortgage Interest Deduction Hypotheekrenteaftrek national · Belastingdienst
Who qualifies Homeowners with a mortgage on their primary residence.
What you get Tax deduction on the interest paid for the mortgage.
What it actually costs you Must be declared in annual income tax return.
Common gotcha The deduction percentage is gradually being reduced.
Waste Tax Exemption Afvalstoffenheffing kwijtschelding national · Gemeente
Who qualifies Low-income residents.
What you get Exemption from paying the municipal waste collection tax.
What it actually costs you Application through the municipal portal.
Common gotcha Deadlines are strict; check your local municipality website.
Child Benefit Kinderbijslag national · SVB
Who qualifies Parents with children under 18.
What you get Quarterly payment to help with the costs of raising children.
What it actually costs you Automatic after birth registration.
Common gotcha The amount increases when the child reaches certain ages. Everything in the Netherlands is digital; these are the tools I need to access my rights.
Digital Identity DigiD national · Logius
Who qualifies All residents with a BSN.
What you get Secure login for all government portals.
What it actually costs you Free; requires identity verification.
Common gotcha Never share your DigiD password with anyone.
My Government Portal MijnOverheid national · Logius
Who qualifies All residents with a DigiD.
What you get Central dashboard for taxes, housing, and official mail.
What it actually costs you Free.
Common gotcha Activate the 'Berichtenbox' to receive digital mail from government agencies.
Citizen Service Number Burgerservicenummer national · RNI
Who qualifies All residents registered in the BRP.
What you get Unique ID for all tax, health, and social interactions.
What it actually costs you Issued upon municipal registration.
Common gotcha Keep this number safe; it is your primary identifier.
Personal Records Database Basisregistratie Personen national · Gemeente
Who qualifies All residents.
What you get Official record of your address and civil status.
What it actually costs you Registration at your local town hall.
Common gotcha You must update your address within 5 days of moving.
Tax Portal Mijn Belastingdienst national · Belastingdienst
Who qualifies All taxpayers.
What you get Access to tax returns and correspondence.
What it actually costs you Free.
Common gotcha Use your DigiD to log in securely.
Social Insurance Bank Portal Mijn SVB national · SVB
Who qualifies Recipients of state benefits.
What you get Overview of child benefits and AOW pension status.
What it actually costs you Free.
Common gotcha Check your pension build-up annually.
One honest app. Real lives, real businesses. Free for what people need, paid only for what runs a business — on our own model, our own metal.
Where we run
Bangalore + Czechia
Our own metal · GDPR · DPDPA
