LINDA PAVAN | xtroverso

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PSD3 Is Coming, What That Means When You’re Chasing Invoices

by Linda Pavan

Jan 21, 2026

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

When the Taxman's interest is too high, the court can step in

by Linda Pavan

Jan 20, 2026

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

The VAT deadline isn't admin: It's Cash Flow

by Linda Pavan

Jan 19, 2026

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

An Order Confirmation Isn’t an Invoice and Your Administration Depends on Knowing the Difference

by Linda Pavan

Jan 16, 2026

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

Your Foreign Savings Account Isn’t “Separate” From Your Income Tax

by Linda Pavan

Jan 15, 2026

Small business owners live and die by predictability. Cash flow needs to be steady, invoices need to be paid, and admin should stay boring. A personal bank or investment account abroad sounds like a p...

ES IT LEDGER Linda Pavan NL

Cash above €3,000 is off the table, here is what changed

by Linda Pavan

Jan 14, 2026

From 1 January 2026, a very practical line has been drawn through Dutch business life: if you sell or buy goods as a professional trader, you may no longer accept or make a cash payment of €3,000 or m...

ES IT LEDGER Linda Pavan NL

The Provisional Tax Assessment: The Invoice You Didn’t Ask For, But Still Have to Manage

by Linda Pavan

Jan 13, 2026

In the coming weeks, many of you will find a new kind of “invoice” on the mat: the Belastingdienst is sending out the voorlopige aanslag for 2026. This isn’t noise. It lands right where small business...

ES IT LEDGER Linda Pavan NL

Don’t Lend on a Handshake With Your Own Company

by Linda Pavan

Jan 12, 2026

In small businesses, cash flow is not an abstract word. It’s invoices that arrive late, payroll that doesn’t wait, VAT that comes on time whether your clients do or not. So when someone asks for “a te...

ES IT LEDGER Linda Pavan NL

Dividend is not a payday: The BV test you can't skip

by Linda Pavan

Jan 9, 2026

In a BV, dividends don’t live in the abstract. They land right in the middle of cash flow, invoices you still need to collect, supplier trust, payroll dates, VAT turns, and that one unexpected bill th...

ES IT LEDGER Linda Pavan NL

Your BV Won’t Save You If You Don’t Run It Like a BV

by Linda Pavan

Jan 8, 2026

Most small business owners start a BV for the same down-to-earth reason: protection. If a client doesn’t pay, if a project goes wrong, if the market turns, you don’t want your private life dragged int...

ES IT LEDGER Linda Pavan NL

Minimum Tax for Multinationals, Maximum Ripples for Small Business

by Linda Pavan

Jan 7, 2026

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

The one meeting that makes your BV's numbers "real"

by Linda Pavan

Jan 6, 2026

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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