GROW

Make the most of your growth, with or without a BV.

Your profit is growing, and so are your choices. Is a BV becoming interesting? How do you set a suitable director's salary, and what is a sensible balance between salary and dividend? And what do tax changes mean for your situation?

StartAndGrow helps you work through these choices and get insight into the financial options and points of attention of your growth.

Tools for your situation

Legal form check

Sole proprietorship or BV?

BV or sole proprietorship, calculated with what you need privately. "Stay a sole proprietor" is an outcome too.Why this checkMost calculators assume you take out all profit. We ask what you actually need, and that changes the outcome.You get an honest answer: BV, sole proprietorship, a borderline case, or first weigh another way of working.What stays in the BV is deferred tax, not a gain. Your report shows it separately.

Compare what you keep after tax, including taxes, costs and what you need privately. Find out which legal form suits your situation best financially. "Stay a sole proprietorship" is also an outcome.

Year-End Check 2026

What should I arrange before the end of the year?

What you still need to arrange before 31 December, with amount and deadline. For sole proprietors and BVs. Or: you're in good shape.Why this checkAccounting firms publish long lists of tips; calculators each cover one topic. We calculate the whole picture for your sole proprietorship or BV and give you one ordered list: first what removes a risk, then what saves money.Each action says whether it is law or still a government plan, and what changes once parliament votes.If there is nothing to do, we say so. Your report includes a page for your own accountant.

Find out which tax points and opportunities apply to your sole proprietorship or BV. Get an overview of what you can or should still arrange before 31 December. Or: you are in good shape.

2027 Check

What changes for me in 2027?

What 2027 costs or brings you, with your own numbers and, for every amount, whether it is already law.Why this checkNews sites talk about "hundreds of euros extra". We calculate it for you, and for many business owners the honest answer is: little changes.For every amount you see whether it is law, in the Tax Plan (Belastingplan) or still a plan. Open your report again after the votes in both chambers of parliament to see the updated result.You get the actions that do matter: your provisional assessment (voorlopige aanslag), dividend now or later, your car, your last year of starter deduction.

Find out what new tax rules mean for your financial situation. Calculate what changes and what to keep in mind. For many business owners the honest answer is: little changes.

Coming soon

Your director's salary

Which director's salary suits me?

Which salary your BV can carry, with the reason. Even when the answer is: your BV cannot carry this.Why this checkOther tools calculate your net pay for a salary you type in yourself. We calculate which salary fits your BV and what you need privately, and tell you which standard sets the amount.Too low means an additional assessment and a fine; too high costs money. You see both, plus what a higher salary does for your mortgage or pension.If you have the 30% ruling or fall under DAFT, we take that into account.

Calculate which salary you can pay yourself from your BV and what you keep after tax. See how salary, dividend and taxes fit together.

Coming soon

Safety net check

How well am I protected if I can't work?

Find out how long you can manage financially if you temporarily cannot work. Calculate which buffer you need and get insight into your options for disability cover and pension. No sales pitch.

Coming soon

What it is about

As your business grows, your financial choices become more and more important. How much profit do you keep privately, how much do you reinvest in your business, and does your current legal form still fit your plans? With a higher profit, switching from a sole proprietorship to a BV can become interesting, for example. That is not only about tax rates, but also about what you need privately, the costs of a BV and the profit you want to leave in the business.

As the director-shareholder (dga) of your own BV you deal with different kinds of tax. You get a salary from your BV, and the BV pays corporate income tax on the profit that remains.

Your salary is subject to the customary salary rule (gebruikelijk loon). It sets the minimum salary you must in principle pay yourself. In 2026 that is generally at least €58,000 a year. Less is only possible in certain cases, for example if your BV does not make that profit.

If you make a profit, you can leave it in the BV or pay it out as dividend. On a dividend you pay tax in box 2. If you leave the profit in the BV, you defer that tax. Deferred is not cancelled.

The balance between salary, dividend and the profit that stays in your BV decides how much you keep privately and how much money remains for things like investments. If you can leave more profit in the BV, you reach a break-even point sooner than someone who takes everything out. That is why we ask how much you need privately.

With the StartAndGrow tools you work out the financial effects of these choices based on your own numbers. If your business keeps growing, calculate again: the result changes with your numbers and that year's tax rules.

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