“I’ll just make up for it next quarter.” It often starts with a practical choice. A VAT return is coming up, but salaries also need to be paid. Or an important supplier is waiting for their money…
My account is overdrawn before the month even begins. “It is only the fifth of the month and my business account is already overdrawn again.” For many entrepreneurs, this is painfully familiar. Money is coming in, the…
When is an entrepreneur actually financially healthy? “I have no debts, so things are going well.” Many entrepreneurs assess the financial health of their company based on intuition. As long as the bills are paid, there is work, and…
My business is still running, but personally I can't manage anymore.. “My business is holding up…but at home things are getting harder and harder.” From the outside, everything seems to be going well. Your business still exists, customers are staying…
I don't dare call my bookkeeper anymore. “He’ll probably think: there he goes again…” Many entrepreneurs have a good relationship with their bookkeeper or accountant. Yet, sometimes there comes a moment when…
I’m putting everything off for just one more month. “Next month it will surely look better.” Almost every entrepreneur has had this thought at some point. A big order is coming up. A client is about to pay. The…
My revenue is growing, but my bank account isn't. “My business is actually doing quite well… so why am I left with less and less?” It sounds contradictory, but more and more entrepreneurs recognize this feeling. The schedule is…
I pay my suppliers later and later. “I’ll just pay that invoice next week.” For many entrepreneurs, it starts out very innocently. A supplier waits a few days longer for their money. Next month it will be… again.
Doing business in a time of rising costs. Your schedule is full. You work long days. Perhaps you are even working more than ever before. And yet, it feels as if you are going backward financially instead of forward…
When fixed monthly payments slowly tie you down. Leasing once seemed like a logical choice. A van for work. Equipment to grow. Business financing to invest in your company. Monthly amounts that…
Full schedule, but structural financial pressure Your schedule is full. Treatments are continuing. Clients keep coming back. And yet, you feel constant financial pressure. For many entrepreneurs in the beauty and wellness industry, that is a…
High costs, a lot of responsibility, and little financial breathing room. You start early. Your days are tightly scheduled. Loading the van, driving routes, time pressure, traffic, delivery times. And meanwhile, everything keeps running: fuel costs, maintenance, insurance, lease, taxes. For many…
In recent years, many self-employed healthcare professionals have consciously opted for freedom, flexibility, and independent entrepreneurship. Deciding for yourself when you work, who you work for, and how you practice your profession. But due to stricter checks on bogus self-employment…
You originally started a BV to grow, conduct business professionally, and better hedge against risks. Perhaps things went well for years. But by now, reality looks different. The debts are mounting…
When the coronavirus support arrived, many entrepreneurs felt it was a temporary solution for a temporary crisis. Taxes could be paid later. There was breathing room. Time to recover. And that recovery would then… naturally…
"I don't open my mail anymore" – what happens when letters from creditors pile up? The envelopes remain. On the table. In a drawer. Sometimes unopened among other papers. Not because you don't know…
Debt counseling for freelancers in construction – when there's plenty of work, but money remains tight. Your schedule is full. You're working your hours. You even have a waiting list of jobs. And yet you're looking at…
Debt counseling for shopkeepers and retailers – when customers come, but margins disappear. Your store is busy. Customers are coming in, your cash register is ringing. On paper, things should be going well. But…
