"Save tax via a BV" — when is it legitimate and when scam?
DIRECT ANSWER
BV is legitimate tool for profit > €60-80k, long-term investment, asset transfer. But startup costs + fixed fees + DGA salary rule. Criteria explained.
Reviewed by FFCheck-redactie · Last reviewed 2026-05-28
A BV (private limited) can offer tax benefits but isn't an evasion trick and isn't always advantageous. When yes:
- ZZP turnover > €60-80k net profitVPB 19% (first €395k) vs IB 35.75%/49.5% — can save ~€10k/yr
- Long-term wealthdefer dividend
- Business takeover or estate planning
- Personal liability limit. When NOT:
- Low turnover < €50kstartup (€500-€1,500) + annual costs (accountant + KvK + VAT + DGA salary admin €2-€5k/yr) outweigh
- DGA salary rulemust pay "market-equivalent" salary (~€56k 2026), taxed
- On terminationmore complex and costly than ZZP. SCAM FLAGS: (a) "We arrange BV structure that magics tax away" — illegal; (b) "STAK Foundation for tax-free transfer" — can be legitimate but often abused; (c) "Avoid box 3 via BV" — Tax Office hits this as anti-abuse (AWR 22a). Solid advice: NOB or RB tax advisor calculating ZZP→BV transition.
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