LINDA PAVAN | xtroverso

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When Trust Fails: What a Notary Fraud Teaches Small Businesses About Control

by Linda Pavan

Mar 6, 2026

The news about the millions in fraud by a former notary Frank Oranje at Pels Rijcken sounds like something far removed from daily business life. A large firm. A senior partner. Complex structures. Yet...

ES IT LEDGER Linda Pavan NL

The VAT Mistakes That Surface During a Tax Audit

by Linda Pavan

Mar 4, 2026

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

Your BV Is Not Your Wallet

by Linda Pavan

Mar 3, 2026

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

File on Time or Carry the Risk Yourself

by Linda Pavan

Feb 18, 2026

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 ...

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The Annual Accounts Are Not a Formality

by Linda Pavan

Feb 16, 2026

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...

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Every Loan Leaves a Paper Trail and It Must Tell the Whole Story

by Linda Pavan

Feb 13, 2026

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

What the Tax Office Sees Is What Counts

by Linda Pavan

Feb 10, 2026

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

Cash or Card: Why a Withdrawn Amendment Still Matters for Your Business

by Linda Pavan

Feb 2, 2026

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

When a Missing Permit Becomes Your Problem

by Linda Pavan

Jan 30, 2026

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

Why your SBI Codes Matters More Than You Think

by Linda Pavan

Jan 29, 2026

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

When the Taxman Looks Into Your Bank Account

by Linda Pavan

Jan 23, 2026

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

Don't invoice and Don't accept invoice from a Ghost company

by Linda Pavan

Jan 22, 2026

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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