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170 Articles
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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
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When the Hours Don’t Match the Payslip
by Laura De Troia
Jan 23, 2026 LAURA DE TROIA
For many small businesses, hours are money in their most concrete form. They drive payroll, cash flow, client invoices, and internal planning. Yet those hours often pass through multiple systems: a ti...
ES HR IT Laura De Troia NL
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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
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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
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When “No” Really Means No at Work
by Laura De Troia
Jan 22, 2026 LAURA DE TROIA
Cash flow, planning, and trust all come together in one fragile place: the work schedule. A single absence can mean missed contracts, extra overtime, or a promise to a client you can’t keep. A recent ...
ES HR IT Laura De Troia NL
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A Text Message Is Not a Dismissal Letter
by Laura De Troia
Jan 21, 2026 LAURA DE TROIA
Cash flow pressure, last-minute schedules, a full shop and an empty inbox: this is where most employment conflicts actually start. Not with bad intent, but with haste. A recent ruling from the Distric...
ES HR IT Laura De Troia NL
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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
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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
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Older Hires Just Got Pricier Quietly
by Laura De Troia
Jan 20, 2026 LAURA DE TROIA
If you run a small business, “policy changes” don’t arrive as headlines. They arrive as a payroll run that’s a little higher than expected, a quote that suddenly feels too tight, or a contract you hes...
ES HR IT Laura De Troia NL
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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
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Your Leave Balance Isn’t “Just HR”  It’s Cash Flow in Disguise
by Laura De Troia
Jan 19, 2026 LAURA DE TROIA
If you run a small business, leave hours can feel like a soft topic, nice to have, not urgent. Until it becomes very urgent. Because leave is not only time off; it’s a promise you’ve already made. It ...
ES HR IT Laura De Troia NL
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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
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