Debt in the creative sector – when passion isn't enough to keep you going
Specifically for makers, artists, coaches and trainers who persevere despite financial difficulties
You started with a dream.
You wanted to create something, contribute something, touch something.
Whether you work as a photographer, graphic designer, coach, musician, trainer, illustrator, performer or writer – your profession is your passion.
You've invested in training, equipment, a studio or workspace.
You gave everything. Even in times when little came back.
And now? Now it's cracking.
Not in your craftsmanship, but in your finances.
Money comes in, but it doesn’t stick.
The VAT return gives you stress.
Overdue bills are piling up.
Sometimes you deliberately push an invoice aside for a moment – to catch your breath.
And you wonder: How long can I keep this up?
In the creative sector, financial uncertainty is always lurking.
Many assignments are temporary. Fees are low. Raising prices feels daunting.
You want to deliver value, but at the same time you're living on the edge yourself.
And there's something else: the shame.
Because you're good at your job. You make an impact. So why isn't it financially viable?
At Zuidweg & Partners we see it more often than you think.
Independent professionals in the creative sector who persevere for years —
professional on the outside,
but fighting underwater against payment arrears, tax debts and constant stress.
What else do we see?
How quickly perspective emerges when someone is looking over your shoulder. Someone who doesn't judge your career choice or your income. But simply considers: where are you now? And where can you go?
Maybe that means restructuring. Maybe taking a temporary break. Maybe there are regulations you're not aware of yet. Or maybe it's time to make space—to be able to create from a place of calm again.
Do you recognize yourself in this? Have you been struggling with worries about money, debt, or anxiety for too long? Click on the button 'Apply for debt assistance' on our website and discover how we – in collaboration with your municipality – can help you. Discreetly, safely, and with respect for who you are and what you do. Because your creativity deserves financial security.
