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170 Articles
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Minimum Tax for Multinationals, Maximum Ripples for Small Business
by Linda Pavan
Jan 7, 2026 LINDA PAVAN
You might read “147 countries agree on a minimum tax for multinationals” and think: not my world. But the moment governments adjust tax rules for the very top, the everyday business reality for the re...
ES IT LEDGER Linda Pavan NL
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2026 Raises: Budget Them Before You Promise Them
by Laura De Troia
Jan 7, 2026 LAURA DE TROIA
When six out of ten employees say they expect their biggest pay growth in 2026 to happen with their current employer, that’s not “HR news.” It lands straight on your desk as cash flow: higher monthly ...
ES HR IT Laura De Troia NL
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A New Pension Rulebook for hospitalitly and a new admin reality for employers
by Laura De Troia
Jan 6, 2026 LAURA DE TROIA
As of 1 January 2026, the pension scheme of Pensioenfonds Horeca & Catering changes, and for small employers the first impact won’t be philosophical, it will be practical. Pensions sit inside your pay...
ES HR IT Laura De Troia NL
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Snow days aren't a legal category, but your payroll still is
by Laura De Troia
Jan 6, 2026 LAURA DE TROIA
When the country slows down, trains disrupted, roads slick, deliveries late, the first business pain is always the same: cash flow and trust. Customers expect deadlines, staff expect clarity, and you’...
ES HR IT Laura De Troia NL
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The one meeting that makes your BV's numbers "real"
by Linda Pavan
Jan 6, 2026 LINDA PAVAN
Every year I see the same pattern: invoices are sent, cash flow is watched like a hawk, and yet the annual accounts are treated as “something for later.” Until a bank asks for the vastgestelde jaarrek...
ES IT LEDGER Linda Pavan NL
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The 30% ruling in 2026: Same Rate, Smaller room to move
by Laura De Troia
Jan 5, 2026 LAURA DE TROIA
If you employ even one expat, the 30%-regeling is not a “tax topic” it’s a cash-flow topic. It changes what people take home, what you need to budget, how you word contracts, and how quickly a small m...
ES HR IT Laura De Troia NL
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The 2025 Balance sheet is not “Paperwork” It's your business in one page
by Linda Pavan
Jan 5, 2026 LINDA PAVAN
On the first days of a new fiscal year, most owners are already looking forward, new quotes, new projects, new invoices. But the quiet reality is that last year is still sitting in your cash flow and ...
ES IT LEDGER Linda Pavan NL
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Add your company details on the bill or lose the VAT later
by Linda Pavan
Jan 2, 2026 LINDA PAVAN
In real business life, “admin” isn’t a separate activity. It’s cash flow, it’s reliable numbers, it’s trust, yours and the tax office’s. And it’s risk, not the dramatic kind, but the slow kind that sh...
ES IT LEDGER Linda Pavan NL
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Warnings That Hold Up
by Laura De Troia
Jan 2, 2026 LAURA DE TROIA
In a small business, an employee issue becomes a cash-flow issue faster than you’d like: invoices still need sending, shifts still need covering, and your admin load quietly doubles. When trust frays,...
ES HR IT Laura De Troia NL
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Your Tax file, without chasing
by Linda Pavan
Jan 1, 2026 LINDA PAVAN
Cash flow is rarely ruined by one big mistake. More often it’s a slow leak: an assessment you didn’t expect, a discussion that drags on, an invoice you can’t collect because a contract clause is vague...
ES IT LEDGER Linda Pavan NL
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When “Just Ask the Bot” Becomes a Business Leak
by Laura De Troia
Jan 1, 2026 LAURA DE TROIA
If you run a small business, you don’t experience “privacy risk” as a headline. You feel it as delayed invoices, uncomfortable client calls, time lost to admin, and the quiet erosion of trust that tak...
ES HR IT Laura De Troia NL
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The Private share: The small VAT trap hiding in plain sight
by Linda Pavan
Dec 31, 2025 LINDA PAVAN
Most small business owners don’t get into trouble because they’re reckless. They get into trouble because daily life and business life share the same receipts. The phone that’s “mostly for work.” The ...
ES IT LEDGER Linda Pavan NL
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