Zakelijke rekening of privé-rekening?

[Mary ZZP Netherlands]

Ik hoop dat iemand mij kan helpen. Ik ben een ZZP-er. Ik heb BTW nummer en KVK nummer.

 

Ik heb 2 vragen:
1. Moeten die 2 dozen hetzelfde aantal hebben?
2. Kies ik een zakelijke bankrekening of een privé bankrekening?

 

MIJN SITUATIE
Ik heb privégeld en zakelijk geld bij elkaar op één bankrekening gezet. Ongeveer 10% is mijn zakelijke verkoopinkomsten. Ongeveer 90% is mijn spaargeld van mijn vorige werk.

 

Ik zal binnenkort privé en zakelijk scheiden, maar ik kan het verleden niet veranderen. Bedankt voor je advies.

 

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I hope someone can help me. I am a zzp freelancer. I have BTW number and KVK number.

 

I have 2 questions:
1. Do those 2 boxes need to have the same amount?
2. Do I select as a business bank account or a private bank account?

 

MY SITUATION
I have put private money and business money together in one bank account. Around 10% is my business sales income. Around 90% is my saving money from my previous employment work.

 

I will separate private and business soon but I cannot change the past. Thank you for your advice.

 

[prinsrachid]

Op 30-3-2022 om 13:44, Mary ZZP Netherlands zei:

I have put private money and business money together in one bank account. Around 10% is my business sales income. Around 90% is my saving money from my previous employment work.

 

Technically you will have to determine the exact percentage.

 

If the bank account is at most 10% used for business transactions, then it is mandatory to regard this bank accounnt as a private bank account. This means you have to answer the question in the first image with "Nee". This also means that the amount on this bank account will not appear in any form in the second box.

 

If the bank account is used at least 90% for business transactions, you must answer the question with "Ja". The consequence is that it is not regarded as a private bank account (for fiscal purposes, that is), and that you have to list the amount under "Liquide middelen" on your balance sheet.

 

If the bank account is used between 10 and 90%, you may have the right to choose. If you choose to put this bank account on the balans sheet of your business, this is accepted as long is the total amount is not regarded as permanent excess cash. This means it is allowed to have a little too much money on the bank account (i.e. more than you earned with your business), but not long term (more than a year). So, you might get away with it for one year, but be sure to seperate it as soon as possible.

[Ron van der Kolk]

Bij het tweede plaatje: het ondernemingsvermogen is NIET het saldo van de bankrekening, maar een getal dat moet blijken uit de boekhouding. 

[Hans van den Bergh]

3 uur geleden, Mary ZZP Netherlands zei:

Kies ik een zakelijke bankrekening of een privé bankrekening?

 

Formeel, mits goed gescheiden geadministreerd, hoeft een zakelijke rekening niet.

Als je het echt wilt scheiden, is een zakelijke rekening erbij (meer dan) handig.

[Mary ZZP Netherlands]

hand and Ron, thanks for the response.

 

I want to focus on my question one.

 

Could you please tell me if it is mandatory to have the same amount in those 2 red boxes?

[Roel J]

No those boxes will never be the same. maybe by coincidence once in a lifetime.

 

the Banksaldo is what is on your bankstatement.

 

the ondernemersvermogen is sum of money you put into the business, (prive storting) the yearly profits or losses and what you take out to live from (privé opnamen)

[Mary ZZP Netherlands]

VRAAG 1
Bedankt Roelvoor de informatie. Ik dacht dat "begin exploitatie" het saldo moest zijn na het berekenen van alle bedrijfswinst, bedrijfsverlies en toegevoegd privégeld.

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QUESTION 1
Thank you Roel for the information. I thought "begin boekjaar" has to be the balance after calculating all the business profit, business loss and added private money.

[Mary ZZP Netherlands]

VRAAG 2
"Was het een zakelijk rekening?"
↑Heb ik het recht om te kiezen? Is het mogelijk dat ik "Ja" selecteer?

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QUESTION 2
"Was het een zakelijk rekening?"
↑Do I have a right to choose? Is it possible I select "Ja"?

[Mary ZZP Netherlands]

Thank you princerachid for your clear explanation!

 

I thought "starting business capital" and "January 1, 2021 balance of business accounts" should be the same amount.

 

If this does not have to be the same, it is easier to fill in IB.

 

I've made "enterprise equity early book" more than "January 1, 2021 balance of business accounts"

 

TRANSLATION

Thank you for your clear explanation! I thought "corporate equity at the beginning of the fiscal year" and "balance as of January 1, 2021 of business accounts" had to be the same amount. If this does not need to be the same, then it is easier to complete IB. I made "business equity at the beginning of the financial year" more than "balance on January 1, 2021 of business accounts"