Welcome to the Lumer Finance Blog: Accounting and Taxes in the Netherlands

Let’s get acquainted.

My name is Tina Lumer, and I am the founder of Lumer Finance, an accounting and advisory practice in the Netherlands.

I moved to the Netherlands in 2005. Over the years, I have gained practical experience and professional knowledge in accounting, taxation, corporate finance, and the legal and financial aspects of doing business in the Netherlands.

Today, through Lumer Finance, I work with entrepreneurs and businesses, including self-employed professionals (ZZP’ers) and private limited companies (BVs).

Running a business involves much more than submitting tax returns on time. Entrepreneurs need to understand their financial position, meet their administrative and tax obligations, make informed decisions, and prepare for the future.

This is exactly why I created this blog.

My goal is to explain accounting, taxation, and business matters in a clear and practical way. I want to help entrepreneurs better understand the financial side of their business and navigate the Dutch business environment with greater confidence.

What You’ll Find in This Blog

Accounting and financial administration

Practical information about bookkeeping, business expenses, invoices, financial records, and the administrative obligations of entrepreneurs in the Netherlands.

Taxes and tax returns

Clear explanations of VAT (BTW), income tax (inkomstenbelasting), corporate income tax (vennootschapsbelasting), tax deadlines, and other matters entrepreneurs may encounter.

Starting and running a business in the Netherlands

Information for ZZP’ers, startups, and business owners about registration, administration, business structures, and the practical aspects of entrepreneurship.

From ZZP to BV

Articles about business growth, choosing the appropriate legal structure, working through a BV, DGA-related matters, and the financial and administrative consequences of changing your business structure.

Payroll and employment

Practical information about hiring employees, payroll administration, employment-related obligations, and working with a DGA.

Business and regulatory developments

Relevant changes in Dutch legislation, taxation, and regulations that may affect entrepreneurs and businesses.

Practical Information for Entrepreneurs

Financial and tax matters can often seem more complicated than they need to be.

In this blog, I focus on practical questions that entrepreneurs face in their daily business activities. My aim is not simply to describe the rules, but to explain what they mean in practice and what entrepreneurs should pay attention to.

Whether you are starting a business in the Netherlands, already working as a ZZP’er, managing a growing company, or considering setting up a BV, I hope you will find useful and relevant information here.

If you need professional assistance with accounting, tax returns, business administration, or other financial matters, you can contact Lumer Finance for a consultation.

Welcome to the Lumer Finance blog.