Cash or Card: Why a Withdrawn Amendment Still Matters for Your Business by Linda Pavan Feb 2, 2026 LINDA PAVAN At first glance, this week’s political news looks minor: D66, VVD and JA21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 “Excl. VAT” Isn’t a Detail, but a Business Risk by Linda Pavan Jan 28, 2026 LINDA PAVAN A recent court decision about a simple renovation job reads, at first glance, like legal fine print. In reality, it cuts straight into everyday business life: invoices that come back unpaid, discussio... ES IT Linda Pavan NL TAX Read more
When Zero Per Cent Isn’t Zero Risk by Linda Pavan Jan 27, 2026 LINDA PAVAN A court ruling rarely feels relevant to daily business life, until it lands squarely on invoices, cash flow and trust in your numbers. A recent decision from the Noord-Nederland court shows how quickl... ES IT Linda Pavan NL TAX Read more
A Bank Account Abroad Is Never Just Between You and the Bank by Linda Pavan Jan 26, 2026 LINDA PAVAN For small business owners, a bank account is a tool. You use it to get paid, pay bills, manage cash flow. Yet once an account sits across a border, it stops being purely practical. It becomes a signal... ES IT Linda Pavan NL TAX 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
When the Taxman's interest is too high, the court can step in by Linda Pavan Jan 20, 2026 LINDA PAVAN If you run a BV, you already know the real world is ruled by timing: when invoices get paid, when costs land, when your accountant can close the books, and when the Belastingdienst finally issues the ... ES IT LEDGER Linda Pavan NL Read more
The VAT deadline isn't admin: It's Cash Flow by Linda Pavan Jan 19, 2026 LINDA PAVAN Most small businesses don’t get into trouble because they can’t do the work. They get into trouble because the paperwork arrives at the wrong moment, right when cash is tight, a client is slow to pay,... ES IT LEDGER Linda Pavan NL Read more
An Order Confirmation Isn’t an Invoice and Your Administration Depends on Knowing the Difference by Linda Pavan Jan 16, 2026 LINDA PAVAN Cash flow doesn’t collapse with a bang. It frays at the edges: a paid bill without the right document, a cost booked on “whatever was in the inbox,” a VAT return that looks fine until it’s questioned.... ES IT LEDGER Linda Pavan NL Read more