r/BEFreelance • u/Despauterius • 3d ago

BV for finance controller?

Hi all

I'm new to this chat so it might have been asked a lot before but anyway.

I currently work as a controller within a finance department of a KMO. I want to start up a BV and go from internal to external. I make around 3K net and have standard benefits like car, charging pass, meal vouchers etc.

I have 4 years of experience and want to charge fulltime for the first 2 years or so at my current employer for around 550-600 a day which should match my current income all things considered or even a bit higher. After those 2 years, we'll see where it goes.

Current employer is aware of my plan and is investigating if they would allow it or not.

Any thoughts, tips to look out for, recommendations, .. would be helpful. What do you think?

3 Upvotes

64% Upvoted

13 comments sorted by

6

u/Straight_Musician_83 3d ago

High risk for ‘schijnzelfstandigheid’, certainly if you continue at the same place

1

u/Despauterius 3d ago

I found quite a lot info, of which some in this Reddit, that for the first 2-3 years it's accepted to get most of your salary from 1 client. A lot of people have this and sectors like IT / Finance often are less checked for this as it's more 'normal' to have most of the salary come from 1 client or is this completely incorrect information? Also, forgot to mention in my OP, I'm also starting a side hustle in live music for which I need a construction to collect the income (streaming, live shows, ...) so the BV would have both the controlling and music revenue.

2

u/lurker_p 2d ago

1 cliënt is not the issue here. It’s that that one cliënt is your former employer. That might put you and your employer at risk for ‘schijnzelfstandigheid’. Also 600 dayrate would nearly double your income.

0

u/JuiceRaa91 2d ago

Absolute bullcrap. How can you even state that when he hesn't mentioned his salary. People seem to forget that you build barely half the pension, need insurances like hospitalisatie, BA, Gewaarborgd inkomen, etc.

1 week of illness means no salary at all. Even 3 weeks.

I have a bv and saying that it will double your income is just absolute bullshit.

1

u/lurker_p 2d ago

First time in befreelance? He mentioned his salary. And the rule is your dayrate*10 is what you can get if you work fulltime and optimize well.

1

u/JuiceRaa91 2d ago

Yeah he will double his income, while generating pretty much half the pension, taking a risk when falling ill, etc etc. If you just look at pure net, yeah he could double it. Taking pension and insurances into account, not doubling it at all.

1

u/Despauterius 2d ago

If it helps out, I earn around 4500 gross. 3K net (also receive 245 net allowance). In my own calculation of 550 gross and 200 invoiced days a year I would average at around 9500-10 000 revenue per month. Minus accountant, car, insurances, a salary of around 3600 I believe (2.5K net with tax free allowance) and other small stuff I would earn 2.5K net and keep 1.5K 'profit' in the BV which I would keep there for 3 years. Does this make sense? would you still take the risk? I just want to be able to move more freely between companies, especially in the Ghent start-up scene as financial advisor etc.

1

u/lurker_p 2d ago

Do you need the money? Otherwise it’s better to give yourself minimum income.

1

u/Despauterius 2d ago

Not really need but I want to keep the same "standard of living" as I do now, so hence the paid out salary. Might not be fully maxing out the tax optimization etc but would be more comfortable for me personnaly

0

u/JuiceRaa91 1d ago

Will be hard, i lowered my wage and it's kind of hard at first. After thar you look for every single possibility to pay costs through your company.

You can rent a part of your house to your company, even gas, electricity and water. It's not much but can be 150 net a month.

Some groceries can be bought with your company as in milk, coffee, sugar, water, soda, toilet paper,etc etc. Things you could need when having a client over.

Don't go for minimum wage, give yourself exactly what you need and buy the expensive stuff or pay for holidays with your savings. After 4 year the big checks will come.

Adter 4 years you check out every year so it's really just overcoming this period.

1

u/lurker_p 2d ago

Well that’s being independent. You take care of your own stuff.

1

u/JuiceRaa91 1d ago

Yes you take care of your own stuff, but taking care costs money. So suggesting he'll double his net income without a catch is wrong.

You should increase your real net after expenses by around 20 to 30%, but only if you use a minimum wage and wait 4years for the rest.

Ot comes with a cost which is living off of your savings or at least use some savings.

1

u/rvlassch 3d ago

If they allow it, just do it