The VAT Mistakes That Surface During a Tax Audit by Linda Pavan Mar 4, 2026 LINDA PAVAN A VAT audit rarely starts with drama. It starts with numbers: invoices issued, invoices received, VAT declared, VAT reclaimed. For most small business owners, those numbers are simply part of the rhyt... ES IT LEDGER Linda Pavan NL Read more
Your BV Is Not Your Wallet by Linda Pavan Mar 3, 2026 LINDA PAVAN When money is tight or a private bill arrives at the wrong moment, the temptation is understandable: you “borrow” a bit from the business account. After all, it’s your company. But whether that money ... ES IT LEDGER Linda Pavan NL Read more
File on Time or Carry the Risk Yourself by Linda Pavan Feb 18, 2026 LINDA PAVAN For many small BVs, the annual accounts feel like something that lives with the accountant. Until the deadline passes. Then it becomes the director’s problem, personally. The rules around filing with ... ES IT LEDGER Linda Pavan NL Read more
The Annual Accounts Are Not a Formality by Linda Pavan Feb 16, 2026 LINDA PAVAN For many small business owners, the annual accounts feel like something that belongs to the accountant’s calendar, not to daily business reality. Yet the obligation for a CEO to prepare the annual sta... ES IT LEDGER Linda Pavan NL Read more
Every Loan Leaves a Paper Trail and It Must Tell the Whole Story by Linda Pavan Feb 13, 2026 LINDA PAVAN In small businesses, money often moves faster than paperwork. A transfer to cover VAT, a loan from the director to bridge a slow-paying client, an advance to a related company. On the bank statement i... ES IT LEDGER Linda Pavan NL Read more
What the Tax Office Sees Is What Counts by Linda Pavan Feb 10, 2026 LINDA PAVAN When cash flow feels tight, an invoice goes out late, or a contract amendment stays “for later,” administration is usually the first thing to slip. That’s human. But recent reminders from the Tax Offi... ES IT LEDGER Linda Pavan NL Read more
Cash or Card: Why a Withdrawn Amendment Still Matters for Your Business by Linda Pavan Feb 2, 2026 LINDA PAVAN At first glance, this week’s political news looks minor: D66, VVD and JA21 withdrew an amendment. No headlines, no drama. But the subject of that amendment goes straight to everyday business reality, ... ES IT LEDGER Linda Pavan NL Read more
When a Missing Permit Becomes Your Problem by Linda Pavan Jan 30, 2026 LINDA PAVAN For many small businesses, hiring a contractor feels like a practical decision: flexible, fast, no long-term commitment. An invoice comes in, work gets done, cash flow keeps moving. But when that cont... ES IT LEDGER Linda Pavan NL Read more
Why your SBI Codes Matters More Than You Think by Linda Pavan Jan 29, 2026 LINDA PAVAN For many business owners, the Chamber of Commerce registration feels like background noise. Necessary, but distant from daily reality. Yet the SBI codes in that registration quietly influence how insu... ES IT LEDGER Linda Pavan NL Read more
When the Taxman Looks Into Your Bank Account by Linda Pavan Jan 23, 2026 LINDA PAVAN Last week’s news from Strasbourg may sound far away from your desk, but it lands squarely on it. The European Court of Human Rights ruled that Italian tax authorities had too much freedom to access pe... ES IT LEDGER Linda Pavan NL Read more
Don't invoice and Don't accept invoice from a Ghost company by Linda Pavan Jan 22, 2026 LINDA PAVAN Every small business owner I know has the same instinct: keep work moving, keep invoices going out, keep cash coming in. But there’s one quiet risk that can turn a perfectly normal month into a mess o... ES IT LEDGER Linda Pavan NL Read more
PSD3 Is Coming, What That Means When You’re Chasing Invoices by Linda Pavan Jan 21, 2026 LINDA PAVAN When Brussels updates payment rules, it lands here in the most ordinary places: the invoice that doesn’t get paid on time, the subscription a customer swears they cancelled, the “please change our ban... ES IT LEDGER Linda Pavan NL Read more