News & Insights

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Corona: Dutch government measures overview

To find out for which schemes you qualify, you can use the KVK – Business.gov.nl measure checker (interactive pdf). These measures are available now: Financial measures FOR WHOM? APPLY TO: OPEN? NOW Employers who experience at least 20% turnover loss Employee Insurance Agency UWV Yes TOZO All self-employed professionals: zzp, dga’s, partners in partnerships, etc. Municipality of residence Yes TOGS All companies in sectors selected Netherlands Enterprise Agency, RVO Yes TVL SMEs in selected sectors with no more than 250 employees and >30% turnover loss Netherlands Enterprise Agency, RVO Not yet COMPENSATION FOR HORTICULTURE AND FLORICULTURE Horticultural and floricultural businesses, potato farmers Netherlands…

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Debt restructuring

If you are no longer able to pay your debts and you are a sole trader, partner in a partnership (maatschap or vennootschap) or a freelancer/self-employed professional, then you are personally liable for your business’s debts. There are two ways to apply for debt restructuring: You can appeal to your municipality for debt restructuring. If this fails you can appeal to court for debt restructuring. If your inability to pay your debts is temporary, you can apply for suspension of payment. Voluntary debt restructuring When you appeal for voluntary debt restructuring, a debt counsellor will help you. Debt counsellors are appointed through your municipality,…

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Financial support for self-employed professionals (Bbz)

Corona crisis: extra support for self-employed professionals There is an extra, temporary Bbz benefit to support self-employed professionals who have gotten into financial difficulties due to the corona crisis. This measure is called the Temporary bridging measure for self-employed professionals (Tozo) Read more about the terms and application process for the Tozo. When are you eligible for Bbz? Different groups of freelancers/self-employed persons are eligible: those starting a company, who receive: welfare (in Dutch), unemployment benefit or incapacity benefit; established entrepreneurs who are experiencing temporary financial problems; entrepreneurs who are 55 or older with a non-viable company; entrepreneurs who wish to end their company. Changes in…

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Microcredit

If you are a starting or existing business owner in the Netherlands and need credit, you may be eligible for a microcredit. Microcredit is a business loan up to €50,000. You can also apply for a SME loan (MKB-krediet), which is a €50,000 to €250,000 business loan. Please note: Due to the coronavirus outbreak, entrepreneurs who have a loan from microcredit provider Qredits do not have to repay their loan for a period of 6 months. During this period, the interest will be reduced to 2%. You can ask Qredits for an extension (in Dutch). When do you qualify? You are a starting or existing…

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Normal Marital Conflict or Domestic Abuse?

Healthy Marital Conflict Marriage is both a challenge and an opportunity; there will be times during any marriage when forming and maintaining an intimate bond is difficult. Couples who are able to meet and overcome marital strife can become better partners, lovers, and companions. Marriages face all sorts of tough challenges, but these are some of the more common sources of discord. Conflicting methods of child-rearing  Dissimilar approaches to handling finances  Divergent sex drives  Health issues  Equal division of household chores  Lack of communication  Distrust  When couples choose to handle issues without resorting to hitting, screaming, blaming, and belittling one…

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How to Identify Verbal Abuse in Your Relationship

Verbal abuse is the act of forcefully criticizing, insulting, or denouncing another person. The damage is internal, and there are no physical bruises or scars—just a wounded spirit and sense of self-esteem. Name-calling:  Any negative form of name-calling is unacceptable. If you feel that it is a put-down, then it most likely is. There are names that are unquestionably abusive and then there are veiled attempts to put a spouse down that can be harder to identify. Verbal abusers love to use constructive criticism to beat a spouse down. If your spouse is constantly criticizing you, “for your own good,” this may be a red…

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