You don't have to do it alone – self-employed people are also entitled to professional debt assistance
As a self-employed person, you are used to arranging everything yourself. You do your own administration, are responsible for your marketing, your bookkeeping and your income. That entrepreneurship gives freedom, but also a vulnerable position. Especially when financial problems arise. Many self-employed people run into this sooner or later: you lose a major client, get sick, or you forget to reserve tax — and suddenly you are in debt.
In this blog we explain what you can do if you have financial problems as a self-employed person, what help is available and why you do not have to continue to muddle through.
How do debts arise among self-employed people?
Self-employed people do not have a fixed income. One month is great, the next is disappointing. It is therefore not surprising that debts can build up insidiously. Common causes are:
- No or insufficient reservation for tax
- Absence due to illness or private problems
- Too low hourly rates or slow paying customers
- Insufficient administration or overview
- Private use of business income
- Corona payment deferral that must now be made up
You mean well, you work hard — but still you get stuck. And then it's hard to turn the tide on your own.
Why debt assistance for self-employed people is different
Self-employed people often fall between the cracks. You are not an employee, but also not a large company. Many self-employed people therefore think that they are not entitled to debt assistance. Fortunately, that is a misunderstanding.
Self-employed persons can make use of professional debt assistance, often through their municipality, in collaboration with organizations such as Zuidweg & Partners. You will then receive customized guidance — specifically for your situation as an independent entrepreneur.
What not to do
Many ZZP'ers try to solve their problems themselves. But that often has the opposite effect. In any case, avoid:
- Keep going without an overview
- Borrowing money to pay off old debts
- Postponing or neglecting administration
- Ignoring or not filing taxes
- Hiding the situation from those around you
You don't have to carry this alone. And asking for help is not a weakness, but a step towards recovery.
What Zuidweg & Partners can do for you
We have been helping independent entrepreneurs solve their debts since 1994. Our approach is human, discreet and effective.
What we do:
- We map out your complete financial situation
- We will look together to see if your company is viable
- We help you communicate with creditors, tax authorities and banks
- We will guide you through an arrangement, restart or termination
- We ensure that you regain perspective - both business and private
Our help is free of charge when you are referred by your municipality. We help you take that step.
You are your business — take care of yourself
As a self-employed person, you are the engine. If you become overloaded, everything comes to a standstill. So give yourself help in time. Not only when things go wrong, but at the moment you feel: I can't do this alone anymore. Because that is the moment when the tide can be turned.
Do you recognize yourself?
Do you recognize yourself in (part of) this situation and do you no longer want to walk around with worries? We are ready to help you. Do not wait until the problems increase and take control of your financial future today. Click on the button 'Apply for debt assistance now' and take the first important step towards peace and security for you and your company.
