Making a winning bid on a house or apartment in the Netherlands is a challenge. In a market rife with low supply, high demand, and overbidding, everyone wants to make a bid that stands out.
Hereโs the key: that doesnโt always mean offering way more money.
Nope, thereโs another way to get your bid to the top of the pile, and itโs easier than you think.
Why you should remove the finance clause from your bid
From November 2023, I spent five months searching for my apartment. I quickly noticed a pattern: see dozens of houses, get attached to one, make a bid โ and have it rejected. It was heartbreaking and exhausting.
In most Dutch cities, sellers of homes are in a great position: theyโll have plenty of viewers and plenty of bids. When they make their choice of who to sell to, itโs normally based on two main factors:
Price (how much the highest bid is)
Conditions and contingencies (what conditions the seller has to buy the property).ย
Price speaks for itself โ the seller generally wants to earn as much money as possible.
But the second factor is also important. The conditions typically cover:
Whether a buyerโs bid is subject to having their mortgage approved by the bank,ย
if they want a building or technical inspection,ย
or if the purchase is contingent on selling their existing property first.ย
These conditions are important for buyers, but they also take time, and risk a deal going south. Itโs understandable that, in a tough market, sellers prefer buyers who donโt have these conditions.
So hereโs the key: remove the finance clause from your bid โ the safe way.
How sellers think
Jeroen is selling his two-bedroom house in Utrecht. His two highest offers are โฌ460,000 and โฌ455,000.ย
At first glance, itโs an easy choice. More money, less problems, right? Well, not in this case. The first offer is the highest, but itโs subject to finance.ย
That means that Jeroen will have to hope the finance is approved by the bank. If itโs not, and the deal collapses, he has to start the selling process all over again. Remember, the Dutch housing market moves fast.ย
So Jeroen turns to the second offer. Itโs โฌ5,000 less, but itโs not subject to finance. No finance clause means that the seller has essentially said, โIโm so confident that Iโll get a mortgage, Iโll pay you 10% of my bid if it doesnโt go aheadโ.ย
That sounds pretty good to Jeroen. If the mortgage isnโt approved, heโll still get a whopping โฌ45,500 in his bank account, without even selling the house. So, he picks that seller.ย
Now, Iโm sure youโre thinking: โAre you crazy? What if my mortgage isnโt approved and I have to pay 10% of my offer?!โ
Thatโs where doing it โthe safe wayโ comes in. Introducing: The Secured Bidding Plan.
No finance clause โ no problem
The Secured Bidding Plan is a special product by a select few companies, including Expat Mortgages in conjunction with Nationale Waarborg.
Essentially, the plan allows first-home buyers to bid on properties without a finance clause โ making your bid ultra-strong, but with zero risk.
Getting the call that you’ve won the bidding war is a feeling like no other. Image: Depositphotos
โWe have seen that with the Secured Bidding Plan, the chances of making a deal on a property increased by 60% on average for our clients,โ explains Richardo Cruz Fortes, a mortgage expert at Expat Mortgages.
โThis is because the Secured Bidding Plan is still exclusive in the market and not available everywhere.โ
Sounds too good to be true? Hereโs how it works.
When you decide to use the Secured Bidding Plan, Expat Mortgages will take a close look at all of your documents. Theyโll don their mortgage lender hat, and act as if theyโre in charge of whether you get a mortgage or not.
Theyโll also complete either a remote property valuation or obtain an official valuation to make sure that you can afford the property youโre bidding on.
If theyโre confident, together with Nationale Waarborg, theyโll give you a Bank Guarantee Secure Certificate โ essentially, a tick of approval that theyโre so confident youโll get a mortgage that theyโll cover the 10% if you canโt.
If, at the end of the day, the mortgage isnโt approved, youโre on the hook for nothing, nada, niks. The Secured Bidding Plan insures the 10% deposit and will be paid in full to the seller, up to โฌ75,000 (for a โฌ750,000 bid).
Youโll be able to make your bid more attractive, and the seller has an extra incentive to choose you. Itโs a win win!
How to get a Bank Guarantee Secure Certificate
The Secured Bidding Plan isnโt available everywhere. To take advantage of it, you need to get in touch with Expat Mortgages.
The team at Expat Mortgages are experts who specialise in helping expats and internationals buy homes in the Netherlands.
I personally bought my house through Expat Mortgages last April and can genuinely recommend them.
You can book a no-obligation chat with a mortgage specialist. If you end up organising your mortgage through Expat Mortgages, itโs easy to make use of the Secured Bidding Plan.
Other ways to make your house bid in the Netherlands more competitive
Got your heart set on a house and want to do everything you can? You can also consider:
Removing the building inspection clause (if you have a buying agent they can advise if this is a good idea).
Writing a personal letter to the sellers explaining who you are, why you love their house, and what future you can see for yourself there.ย
Being flexible on conditions like the move-in date or items left behind.ย
Bidding on a house in the Netherlands isnโt always easy โ but having a Bank Guarantee Secure Certificate in your back pocket will give you an advantage. Find out more.
Most people in the Netherlands have seen their workweeks change significantly over the past few years. How? We now spend a large amount of our time working from the good olโ home office.
Is it actually good? Meh, itโs mostly improvised. Is it old? Yeah, itโs starting to feel it. The creation of many a home office in this country was spontaneous, thrown together, and largely seen as something temporary.
However, the working world has changed. Youโll likely find yourself working from home for many years to come, but thereโs good news โ you can finally justify sprucing it up a bit!
Here are some of our favourite pieces that we recommend for your home office.
This post might have affiliate links that help us write the articles you love, at no extra cost to you. Read our statement.
If you’re still using your dining table, kick it to the curb!
The E7 Plus Standing Desk has an improved motor that moves seamlessly from sitting to upright, can remember four preset heights, and comes with handy self-adhesive cable clips for cable organisation.
We’ve personally put this desk to the test and can say without a doubt: it’s a gamechanger. We love the smooth operation, the sleek design, and can’t stop looking at the bamboo desktop. ๐
Better yet? If you don’t love it, you have 60 days to change your mind!
Holy sale, Batman! You can now get up to 30% discount on this desk as part of FlexiSpot’s Brand Month Sale.
Who says your office can’t be colourful? Image: Amazon
Now you have the snazzy desk, itโs time to style it with a funky keyboard to match.
Forget office grey; this eye-grabbing lavender keyboard is available in a variety of colours, is completely wireless, and can seamlessly connect to up to three different devices (be they Mac, Windows or Android).
We have to admit: we were chair sceptics and truly believed that an IKEA desk chair was good enough. That’s until we tried the BS14 from FlexiSpot, and our backs will never be the same.
Is it a cloud? Is it a marshmallow? Or is it just incredible back support? This beast offers a headrest comfortable enough to take a nap in as well as easily adjustable seat and armrests.
The result? Instant comfort. Oh, and it looks damn snazzy too. ๐
Want up to 50% off? Dat kan with FlexiSpot’s Brand Month Sale! You can get the chair for the discounted price until May 20, 2025.
Is your mouse actually good for your hand? Image: Amazon
While itโs easy to match a funky keyboard to your aesthetic, it can be harder to find a mouse that can add a pop of colour โ and provide good ergonomic function. Well, we found a mouse that offers both.
Super lightweight, wireless, silent, and compatible with basically every operating system, this mouse is not just a pretty place to rest your hand. In fact, it has actually been designed and developed by certified ergonomists. ๐ช
Feeling the winter blues? Add this product to your desk. Image: Amazon
The one downside of having a beautiful home office is that, well, youโre at home โ meaning youโre indoors.
With its compact size, this medically-certified daylight lamp is designed to be added to your desk setup. The design of this product is made for ease, comfort, and well-being.
By pressing just one button, you can simulate beautiful daylight (without the danger of UV rays). This not only adds some wonderful mood lighting to your office, but it is proven to help beat those winter blues.
We all know the struggle of finding the perfect spot to unwind after a long day. Enter the Lotus Reclinerโa game-changer for anyone who takes their relaxation seriously. ๐โโ๏ธ
In just seconds, you can kick back, stretch out, or even take a quick nap. With the ability to rock back and forth or spin around, this recliner is as dynamic as your day. Crafted from high-quality fabric and filling, itโs built for comfort in any positionโwhether you’re reading, watching TV, or just taking a breather.
Plus, with hidden storage and wide, generously padded armrests, itโs as practical as it is cosy. Trust us, your body will thank you. โจ
Ready for a korting? This baby is currently โฌ100 off until June 6, 2025 thanks to FlexiSpot’s Brand Month Sale! That’s a bloody great discount for a bloody great chair.
However, sometimes you donโt have the time (or patience) to slowly accumulate a variety of plants over time. You want an office jungle, and you want it now. ๐
Well, here you go! For just โฌ25, you can receive a box of 10-12 plants direct to your door that have been set aside due to (very) slight flaws. Not only is it affordable, but itโs also super effective in adding green to your office in a quick and easy way.
If your office is stuck for space, floating corner shelves may be the answer! Image: Amazon
Does your home office put Harry Potterโs bedroom to shame? Fair, you probably never planned on having one โ but who says you still canโt enjoy some pretty shelving?
Every office needs that one good pen โ and a proper space to keep it. How about investing in a levitating pen? The futuristic Hoverpen is the first levitating pen that has been designed to float at an angle โ and it requires zero power.
If youโre looking to give your office a bit of a sci-fi, high-tech edge that makes you feel like a better version of Elon Musk, look no further than this unique office piece.
Ready to make your home office really yours? Yes? Go you! Weโre just glad youโre taking a moment to make your workspace that little bit nicer for yourself.
Which office must-have will you be getting next? Tell us your thoughts in the comments!
*Customers who receive free orders will receive an email from customer service within 24 hours after payment. Winners will be announced on the website.
With summer heatwaves getting more intense, Amsterdam isnโt sweating it โ itโs getting smart.
The city has launched Schaduwmakers, a project that uses fake trees and movable greenery to stop people from melting into the pavement.
Sounds cool? That’s because it is. ๐
Shade, but smarter
Not all trees need roots. Some just need wheels and a splash of Dutch ingenuity.
Schaduwmakers brings smart, flexible shade to spots where planting trees isnโt possible (looking at you, tangle of underground cables and parking garages ๐).
Think giant sun sails, leafy pergolas, and steel frames covered in climbing plants, some even shaped like trees.
As climate expert Jeroen Kluck explains to RTL Nieuws, these trees donโt just offer shade, they actively cool the air: โA tree can lower the perceived temperature by 10 to 15 degrees.โ
And no, there are no sad, plastic palms here. These are โsustainable, easy-to-move objects that contribute to the liveability of the environment.โ ๐ฑ
One standout is a real elm in a high-tech container from The Urban Jungle Project โ self-watering, low-maintenance, and ready to roll into any urban overheated corner of the city.
Turning up the heat (and the urgency)
If youโve spent a summer in the Netherlands, you know that some parts of Amsterdam are open-air ovens. ๐ฅต
The 2019 heatwave made that painfully clear, with record-breaking temperatures hitting a blistering 38.8 degrees Celsius, showing just how hot it can get in the Netherlands. ๐
— World Meteorological Organization (@WMO) July 24, 2019
For example, the Oosterdokskade near Central Station regularly hits extreme heights in summer. With no shade, itโs known as a โheat street.โ
And this heat isnโt just annoying. The Netherlands sees up to 40 daily deaths due to heat stress during heatwaves, reports the TNO (the Dutch Organisation for Applied Scientific Research).ย
Plus, as the KNMI (Royal Netherlands Meteorological Institute) points out, cities like Amsterdam can be up to 7 degrees hotter than nearby green areas.
โWe need to cool down using shade and greening,โ says Alderman Melanie van der Horst. โThis innovation is badly needed.โ And frankly, sheโs spot on. ๐
Is this the future of cooler cities? Let us know your thoughts: Should every city roll out a shady strategy like Amsterdamโs? ๐ฟ
While a fictionalised strain of the cordyceps fungus may have captivated audiences in The Last of Us, scientists are now raising the alarm about a rise in deadly fungal infections across Europe. ๐งซ
Aspergillus flavus is a type of fungus found in soil and crops that releases millions of airborne spores that people can unknowingly inhale.
A killer fungus hides in plain sight
For most healthy people, the infection poses little threat.
However, it can be life-threatening for those with weakened immune systems due to transplants, cancer, COVID-19, or particularly severe cases of the flu.
“About 800,000 to 1 million people die every year,” Norman van Rhijn, Dutch molecular genetics expert, tells RTL Nieuws.
Concerning death toll aside, what makes this infection especially dangerous is its ability to masquerade as something far less deadly, with the symptoms of flavus easily mistaken for common ailments.
These symptoms can be as mundane as coughing, fever, breathing problems, and general feelings of malaise.ย
Their ability to slip under the radar often leads to delayed diagnoses of fungal infections, increasing the risk of severe outcomes.ย
Worse, it’s drug-resistant
As deadly fungi like the flavus thrive in warm soil and crops, rising global temperatures are now creating the perfect environment for them to spread.
Researchers predict that rising temperatures will cause an explosion in the number of fungal infections over the next 15 years, with 9 million patients in Europe alone.
But surely the fungus can be beaten by modern medicine? ๐ค
Helaas, van Rhijn points out that some variants are drug-resistant, which potentially pushes mortality rates up by 60-80%.
At present, around 40% of people who are infected face fatal results.
In response to the threat, experts are calling for greater awareness and readiness in public health systems and among individuals at risk.ย
Dig what you’re reading? Get more of it! Join our WhatsApp channel or Instagram broadcast to get the latest news straight to your pocket. โก๏ธ
From this April, travelling to top European destinations has become even more enjoyable. With Nightjetโs new generation trains, you can travel overnight from one country to another โ all while enjoying a whole new level of comfort. ๐ง
This new, modern style of train cabins offers something for every traveller, from those on a budget to comfort seekers. After all, why not make your journey just as relaxing as the visit itself?
Looking good! Image: รBB/Harald Eisenberger/Supplied by Nightjet
Go to sleep in the Netherlands, wake up abroad
Nightjetโs latest trains allow you to snooze your way from Amsterdam to vibrant destinations such as Vienna, Innsbruck, Linz and Munich.
So, whatโs so unique about Nightjetโs new generation of trains compared to a conventional train?
Beyond the sleek design and enhanced privacy, Nightjetโs new trains are made to enhance your comfort and experience of travelling by night train.
Instead of losing a nightโs sleep while travelling, Nightjet wants you to gain a night of actual rest โ unless youโre far too excited to sleep.
Luckily for insomniacs, the train also has services for you, such as unlimited free WiFi and a stable network connection to keep your loved ones up to date on your journey.
Choose your ideal travel format
When it comes to how youโd like to travel, Nightjet offers a range of options to fit your travel needs, such as:
Seat car: the most affordable option on Nightjet trains. Consisting of reserved seats in an open-plan car with washrooms and toilets on each coach.ย
Couchette car compartment: ideal for groups of up to four travellers. Offers a separate ladies’ compartment option, washrooms and toilets in each coach, and a complimentary small breakfast.
Mini Cabin: a cocoon-shaped compartment, perfect for solo travellers or couples that want to be connected by a sliding door. Offers enhanced privacy, lockers for hand luggage, charging facilities and a complimentary small breakfast.
Sleeping car comfort compartment: for one to two people, private bathroom with toilet and shower facility and a complimentary ร la carte breakfast.ย
Sleeping car comfort plus compartment: includes all of the above, but with more space, comfort and a separate shower cabin.
Spoiled for choice? We know, right? However, two options stand out in particular: the Mini Cabin and the Comfort Plus.
Mini Cabin, maximum privacy
The Mini Cabin is basically a cosy cocoon on wheels.
Picture a private space for you to stretch out, relax and have some solitude on your journey.
The perfect spot for reading! Image: Nightjet/Supplied.
However, donโt be fooled by the name. The Mini Cabin fits one person comfortably.
Itโs also suitable for couples, with the choice of sliding a small door between two cabins on the same level. How handy! ๐คฉ
The Comfort Plus for hotel room comfort
For those who want a bit more space and luxury, Comfort Plus is the way to go. This is Nightjetโs largest compartment in the sleeping car and even includes a private bathroom with a shower.
Sneaky little getaway anyone? Image: Nightjet/Supplied.
While the regular Comfort Compartment also offers the luxury of a private toilet and shower facility, Comfort Plus takes it up a notch with more space, improved lounging and the type of comfort that makes you say, โWhy canโt all trains be like this?โ
Nightjetโs latest trains bring the luxury back to train travel โ all while bringing you to your holiday destination.
So where will it be, Innsbruck or Vienna? If you were looking for a reason to go on a little getaway, this is your official sign to book that trip through Nightjet. ๐
Are you ready for an adventure? You can book your tickets online, via the app or at a ticket counter the old-fashioned way.
Ah, cycling in the Netherlands. Whether you’re dodging tourists in Amsterdam or coasting past cows, it doesnโt take long to realise that the Dutch have cracked the code when it comes to cycling.
Here, hopping on a bike and getting around is easy, effortless, and fun. It’s just better… but why?
A cyclistโs paradise, paved in red
The Netherlands isnโt just bike-friendly โ itโs bike-obsessed.
With over 35,000 kilometres of cycling paths, bikes here outnumber people, and riding one is practically a national pastime. Whether you’re commuting to work or grabbing groceries, the bicycle reigns supreme.
But it’s not just about numbers. The infrastructure is world-class: wide, separated bike lanes, clever traffic signals just for cyclists, and even multi-storey bike parking garages (yes, they exist, and they’re glorious).
Here, the bike isnโt fighting for space with cars; itโs been given its own kingdom.
No helmet? No problem
It might seem odd to outsiders, but in the Netherlands, most cyclists donโt wear helmets โ and no, itโs not because theyโre reckless. Itโs because they donโt need to.
The roads are flat, the paths are safe, and the system works. Cyclists have priority, and drivers actually respect them (seriously).
So yes, itโs perfectly normal to see a parent cycling with one kid on the front, another on the back, all while holding an umbrella but not wearing a helmet. Welcome to the Dutch commute.
Cycling is in the Dutch DNA
Unlike in many other countries where cycling is a lifestyle or a sport, here itโs just life.
Kids cycle to school, pensioners cycle to the market, and office workers cycle in heels and blazers. The infrastructure doesnโt just make it possible โ it makes it easy, safe, and natural.
The Dutch approach to urban planning has put people first โ not cars. And that means quieter streets, cleaner air, and communities that feel a little more human.
forget the car, in the Netherlands, you cycle. Image: Freepik
Thinking of joining in? Hereโs what to know
If you’re new to cycling in the Netherlands, donโt panic โ youโre not alone. Renting a bike is easy, and there are loads of services offering everything from classic omafietsen to e-bikes.
A few tips:
Stick to the right, pass on the left.
Use hand signals to let people know where you’re going.
Donโt block the bike path while checking Google Maps โ or prepare for a symphony of angry bells.
Good for the planet, great for your thighs (and mind)
Letโs be honest: cycling is an easy win. It cuts carbon emissions, eases traffic congestion, and gives you a free workout on the way to work.
Youโll skip the gym, save on petrol, and feel just a little more smug every time you glide past a car stuck in traffic. And of course, cycling is so much better for your mental and physical health than wasting your time doing other stuff, like losing all your money on crypto goksites.
The Dutch government knows this too. By investing in cycling, theyโve created healthier cities and healthier people โ a model that other countries are still trying to catch up with.
Dutch cities keep bikes in mind. Image: Depositphotos
Want something scenic? The Netherlands delivers
Sure, cities like Utrecht and Groningen are a cyclistโs dream, but donโt miss the countryside.
Ride along the North Sea Route for windmills and waves, or explore the Veluwe for forest trails and maybe even a deer sighting.
Every route feels like it was designed by someone who really, really loves bikes โ because, well, it probably was.
Cycling in the Netherlands isnโt just better โ itโs how it should be. So grab a bike, ring that bell, and enjoy the ride. ๐ฒ๐จ
What’s your favourite thing about Dutch cycling culture? Share your thoughts in the comments!
Sitting is the new smoking. Thatโs not the name of a hip upcoming TV show but a legit concern pointed out by more than one health expert.
In an era where many jobs require us to spend hours crouched behind a laptop screen, we need to take matters into our own hands and incorporate some movement into our day.
So when I got the opportunity to equip my home with Flexispotโs new four-legged standing desk, the E7 Plus, to say I was thrilled would be an understatement.
The Flexispot E7 Plus comfortably fits everything you need for your work. Image: Jana Vondrackova/Supplied
For full transparency, I was given the desk in exchange for my unbiased review. What follows below are my thoughts after receiving and testing the product.
Key features of the E7 Plus
Before we dive into the details and my experience with the desk, hereโs a brief overview of the E7 Plusโ key features:
It has an innovative motor which ensures smooth lifting with no vibration or instability (I put this one to the test!)
It has a multifunctional control panel with four height preferences
It has a carrying capacity of 200 kg (hello, multiple extra monitors and plants)
Itโs suitable for users between 163 cm and 200 cm (but works if youโre a bit shorter โ I put this one to the test too)
So how does this beast of a table holds up when it comes to design, functionality, and ease of use?
The design: neat and aesthetic
Before the standing desk lands in your online shopping cart, there are a couple of things you need to decide: the colour of the frame, the material of the desktop, and the size.
I went for a black frame with a bamboo tabletop. Because I donโt exactly have the biggest living space, I opted for the smallest possible desktop size of 140×70 cm with a slight curve on the side where you stand.
Was I happy with my choices? You betcha! The design is absolutely gorgeous. The black frame is sleek and simple and the bamboo tabletop has a very natural, minimalist feel to it.
The size is more than enough (if anything, even a little too big for my space) and can comfortably fit a laptop plus one or two monitors (and plants).
All in all, a great option โ especially if youโre a fan of simple, tidy workspaces.
The functionality: strong and reliable
One of the main selling points of the E7 Plus (E7Q Lite) is that it remains steady and lifts with no shakiness and vibrations.
To see if this was marketing fluff or legit, I put a glass full of iced matcha latte on my desk and proceeded to move the desk up and down. The liquid in the glass did not move the slightest bit.
The E7 Plus is equipped with a handy control panel with a memory function through which you can set four different height preferences, so I can immediately choose my preferred sitting and standing height.
The control panel has a handy memory function. Image: Jana Vondrackova/Supplied
With a minimum height of 66 centimetres and a maximum of 131 centimetres above the ground, this desk truly is suitable for people of all shapes and sizes.
The recommended user height is between 163 centimetres and 200 centimetres, but as someone whoโs only 158 centimetres, I still find the desk comfortable to use.
Delivery & installation: mostly easy
The whole setup was delivered in three separate parts โ two for the table frame and one for my bamboo desktop.
Sadly (for me), the job of a Dutch courier ends the minute he gets your goods over your front doorstep. The task of transporting these large parcels up four flights of stairs was, therefore, left up to me. Luckily, I had a couple of good gym sessions behind me.
As for the installation itself, I invited a friend to help me on this mission. The process was mostly straightforward (mind you, Iโm not the most handy person out there) with one small hiccup.
The bamboo desktop comes with some predrilled holes. However, we found out that these didn’t align with the holes in the table frame.
A dream workspace. Image: Jana Vondrackova/Supplied
While this might not be a massive issue for some, Iโll admit that we were taken by surprise. After some confusion, we managed to solve this pretty easily by getting crafty with a drill.
The handy little tools and screws package includes four self adhesive cable clips to ensure your cables are not dangling down. As an organisation freak, Iโm a big fan.
Doing your work while standing is great but itโs totally fair if you donโt want to do that for eight hours straight. The solution? The BS14 office chair.
The back and lumbar support is amazing and the headrest is comfortable enough to take a nap in it if you really wanted to.
Comfy and stylish. Image: Abuzer van Leeuwen/Supplied
Enjoy working in the lotus position? Yep, with how wide the seat is, that was totally possible! The height of the armrests can be adjusted as well, so you can easily tuck the chair under your desk.
The chair is easy to put together and the mesh fabric is breathable, so itโs comfortable to sit on all day (even when itโs 25 degrees outside).
If you want a work form home setup thatโs comfortable, aesthetic, and stable, the Flexispot E7 Plus and the B14 are a great purchase. With the exception of figuring out where you need to drill your own holes, they’ll be ready for you to use in no time.
Do you have your own ergonomic set up at home? Let us know your experience!
Getting paid as ZZPโers shouldnโt mean losing Zzzs. This is everything you need to know about sending invoices as a freelancer in the Netherlands.
Feeling overwhelmed about invoicing is normal, and curable! The task feels much more achievable when you are prepared.
This guide will help tackle all your freelance invoicing questions โ from the deadlines to the fine lines. ๐
What is a freelancer invoice?
Unlike being employed, as a freelancer, you donโt receive a paycheck at the end of every month. Instead, freelancers in the Netherlands must send invoices to get paid.
Youโve done all the hard work โ now itโs time the client pays you for the services or products youโve provided.
However, thereโs one more step you have to take before you get paid. Itโs up to you to create and send invoices to your clients.
This should be done no later than the 15th day of the month following the month in which you supplied the service or product.
Whether youโre a newbie or a seasoned ZZPโer, invoicing can be headache-inducing. Finding an easy-to-use tool like Qonto, a modern banking, bookkeeping and invoice management platform, can simplify the process.
Why should freelancers send invoices?
Invoicing is incredibly important as a freelancer to ensure you are complying with both law and tax regulations in the Netherlands.
Itโs important to know that the Dutch tax system classifies freelancers as entrepreneurs.
Being an entrepreneur means sending invoices. Image: Freepik
If you are classified as an entrepreneur in the Netherlands, you must charge and account for BTW (or VAT, Value-Added Tax) on your services.
And that requires a formal record of transactions, AKA our friend: the invoice.
But itโs not just about compliance โ it looks better for your business too.
A polished and professional invoice system can boost client confidence, improve business relationships and ensure stability as you fly your freelancer flag. ๐
How to create an invoice as a freelancer in the Netherlands
Now that youโre crystal clear on the premise of freelancer invoices, the next step will be much easier โ letโs send one!
๐ Gather all the important information
There are a few important documents and details you have to gather before creating your invoice.
If we could talk to our naive, new ZZPโer selves, weโd make TRIPLE sure we knew all about VAT, had a clear overview of our costs, and that all our personal and financial details were updated. ๐
However, there are two particularly important details you must have: your BTW number (BTW-identificatienummer) and your KvK number (Kamer van Koophandel number).
What is my BTW number?ย
After registering as a freelancer in the Netherlands, the Belastingdienst will issue your BTW number (BTW-identificatienummer). This is essentially your VAT ID and must be used during all transactions with customers and suppliers.
Your BTW number includes: the country code NL, nine digits, the letter ‘B’ and a two-digit check number.
Note: If you provide goods or services to another EU country, you will also need your customerโs BTW (or VAT) number.ย
What is my KvK number?
As for the KvK number (Kamer van Koophandel nummer): this is your businessโs unique identification number, and every business in the Netherlands has one.ย
You are given this eight-digit number when you register your business at the Dutch Chamber of Commerce.
What else should be included in my invoice?
There are several other important elements you must add to complete your invoice:
The applicable VAT rate
BTW (VAT) amount
Invoice date
Invoice number
Your name and address
The name and address of your customer
The date of delivery
Which goods or services were supplied
The quantity of goods or services
โณ Know when to send an invoice
Listen up โ you must send your invoice no later than the 15th day of the month following the month in which you supplied the service or product.
So, if youโre a freelancer who sold something to a client during April 2025, you must send the invoice by May 15, 2025.
Sent it on time? Next, the client must pay within the payment term. ๐
๐ Add a due date
One important detail when invoicing as a freelancer in the Netherlands is deciding the payment term (AKA the date the client must pay by).
If you work with clients, you can decide on a reasonable payment term.
Make sure you include the agreed payment term on your invoice, i.e. โDue Date: Monday, May 5, 2025โ or โPayment due within 30 daysโ.
While there isnโt an explicit limit on the payment term, around 30 days is best practice to maintain a regulated cash flow.
However, this is not the case if you deal with companies or governments.
If youโre invoicing companies or a governmental body, then the due date must comply with the maximum term that you have previously agreed upon. This is usually established as part of a contract.
๐ข Always number your invoices
Donโt forget to number all your invoices sequentially for VAT purposes.
This is an important step โ and one youโll have to rectify if you forget. ๐
๐ Consider using an invoice management tool
Thereโs no sugarcoating it, thereโs a lot to remember. Having such long checklists can feel overwhelming, especially when balancing all your other freelancer to-dos and not-to-dos.
When you need to stay on top of things and your own spreadsheets just arenโt cutting it, an invoice management tool can be a good way to alleviate the load.
Many have handy reminders, neat lists and centralised payment plans to help you handle invoicing as a busy freelancer.
Easy-to-use tool Qonto has core features designed specifically to improve your invoice management process. If youโre worried about the cost, their affordable basic plan offers all the essential invoicing tools โ and lets you choose add-ons such asย automated recurring invoices,ย custom payment reminders, unlimited e-signatures for quotes.ย
What a Dutch freelancer invoice looks like
As long as you include all the correct details, there is no set template for freelancer invoices when it comes to design and layout.
Thatโs not a call to stretch your creative legs โ yellow writing on a purple background isnโt going to cut it.
Think clear and accessible, not creatively chaotic. Hereโs a neat example:
Image: DutchReview
How to send an invoice in the Netherlands
Once youโve got all your details in order, you might be thinking โ how should I send this?
There are three different ways you can choose to send your invoice in the Netherlands. ๐
Sending an invoice by post
If you send an invoice by post in the Netherlands, itโs similar to standard mail.
That being said, itโs a far less common method these days โ you might feel more secure with the popular electronic options.
Electronic or e-invoice
More and more freelancers in the Netherlands are sending e-invoices. They are a great option for keeping records in check, as they are processed automatically.
Thatโs where digital tools for freelancers come in โ enabling you to send the invoice as an electronic document, with all required details fixed in place, via a secure server or accounting software.
Always ensure your client has agreed to accept an e-invoice first โ this isnโt something they are obliged to accept! It is only mandatory if you carry out work for the Dutch government.
If youโre not sure where to start when selecting an invoicing platform, browse Qontoโs intuitive product tour. Look and feel right for you? Check out their customisable plans to finally take control of your freelancer finances.ย
Digital invoice
A digital invoice is when you send a PDF version of your invoice to a client or business by email โ easy-peasy.
Sending invoices outside the Netherlands
Got an international client? Congrats! Now, let’s figure out how to invoice them. Image: Freepik
Are you a freelancer who deals with other countries? Firstly, congrats, you international star. ๐
Secondly, you might need to take extra care to ensure you meet other countriesโ varying invoicing requirements.
For example, you should include your customerโs VAT identification number on the invoice. You may also need to apply for VAT exemptions.
The Belastingdienst nicely lays out how to send invoices to other countries correctly, including the international rules for sending e-invoices.
Frequently Asked Questions about invoicing as a freelancer
Itโs not just the HOW that can be confusing; you probably have many other burning questions about invoicing as a freelancer in the Netherlands. Letโs answer them.
What happens if I donโt send an invoice on time?
Thereโs something called the Limitation Period for freelancers sending invoices in the Netherlands.
If your invoice passes this, your client might not have to pay anymore. ๐ฒ
The invoice is out of date:
5 years after the prescribed payment term has expired
2 years after the payment term has expired, if you sell products to private individuals
5 years after the payment term, if you sell services to private individuals
Want to extend the Limitation Period? Dat kan (thatโs possible), you just need to send the client a registered letter. The limitation period will then restart, called stuiten (interruption).
What happens if I havenโt been paid after sending an invoice?
Youโve done all the hard work, then the extra work of sending an invoice, and youโre still waiting for payment.
Not good โ whether you havenโt been paid on time or at all, you could have the right to:
Charge a standard fee for collection costs of โฌ40
Charge a reasonable compensation for expenses incurred, such as legal fees or collection costs
Charge statutory interest, calculated from the date the payment term expires
Should I keep my invoice records?
This is a definite YES, as it is a requirement by law, and an auditor could come knocking.
Invoices are part of your business records โ you must keep them for seven years. This increases to 10 years for immovable goods, such as property.
Keep them in the same form that you sent them, making sure all the required information is intact. You can scan receipts and invoices to save them digitally.
Do freelancers pay taxes in the Netherlands?
Freelancers must pay taxes in the Netherlands.
If your services generate regular income, the Dutch tax authority requires you to pay taxes. Most ZZPโers pay both VAT and income tax.
Itโs worth noting that there are multiple subsidies available to freelancers in the Netherlands, from tax deductions to social assistance programs.
Do all freelancers have to send invoices?
Letโs break this one down, as โfreelancerโ can be a broad term.
According to Belastingdienst, you must send an invoice if you supply goods and services to:
Other entrepreneurs
Legal entities that are not entrepreneurs (for example, associations and foundations)
Private individuals, in specific cases (e.g. if you sell a new or nearly new means of transport to a customer in another EU country)
Is there a minimum amount to send an invoice?
There is such a thing as a Simplified Invoice (Eenvoudige Factuur). This is for when the total amount is less than โฌ100 (VAT included) or when you are rectifying a previously sent invoice.
That means the requirements are less strict, with only the following details required:
Name and address
VAT amount
Invoice date
Goods or services supplied
In the case of a rectified invoice: a reference to the initial invoice.
However, itโs not quite as โsimpleโ as it sounds, since you cannot send simplified invoices if you supply:
Goods to another EU country (intra-community supplies)
Distance sales
Goods and services in an EU country, while the VAT regarding that service has been reverse-charged to the person receiving the service.
What are Adjusted Invoice Requirements?
Adjusted Invoice Requirements (Aangepaste Factuureisen) are special rules that apply to certain entrepreneurs, like those in the taxi, transport or hospitality industries.
Also, if you are exempt from VAT or taking part in the small business scheme (KOR), you do not have to include VAT on invoices.
What if I need to send an invoice to the Dutch government?
Carrying out work or services for the Dutch government? How mysterious.
You will need to send an e-invoice: it is mandatory for all government organisations and other contracting authorities to be able to receive and process them.
After a long day, week, or month of freelancer frenzy, the last thing you want is an invoicing headache. Avoid the chaos and tackle these important bills with preparation and awareness.
Follow our advice to set up a clear, manageable invoicing process so your customers will be thanking you (and paying you, of course).
How do you find sending invoices as a freelancer in the Netherlands? A headache or a piece of cake? Let us know your experience in the comments below. ๐
Groningen Centraal, one of the biggest hubs in the Dutch rail network, will be closed for construction over two months. The result? You guessed it: Fewer trains and major disruptions along key routes.
Why is all this happening, you ask? Because ProRail thinks it’s time that Groningen Centraal gets a fresh new look.
The upcoming construction work is linked to an extensive renovation project, which includes constructing a new pedestrian tunnel, relocating and renewing railway tracks, and moving the bus stop.ย
Whatโs happening?
Groningen Centraal will be closed until July 13, 2025, as construction is done in six phases.ย Hereโs a breakdown of what we can expect:
Date
Lines without train service
May 10 to May 11
All trains to, from and via Groningen station
May 12 to May 16
Groningen – Groningen Europapark
May 17 to May 18
Groningen – Groningen Europapark, and Groningen Europapark – Asses
May 19 to June 13
Groningen – Groningen Europapark
June 14 to July 9
All trains to, from and via Groningen station
July 10 to July 12
Groningen – Groningen Europapark – Zuidhorn – Eemshaven – Delfzijl, and Groningen Europapark – Assen – Veendam – Bad Nieuweschansย
How to get around
Worried about being stranded? Donโt be.ย To accommodate travellers, NS and ProRail have arranged replacement buses during each phase.ย
You can travel between affected areas, but be prepared for longer travel times and, most importantly, plan ahead!ย ๐คณ
By mid-July, Groningen Central Station will reopen with major improvements, offering better accessibility, quicker transport and a more organised layout. ๐
Will these changes affect your daily travel? Let us know in the comments below!
The Dutch police have released an image of the suspect involved in a fatal shooting that occurred on May 1 in the town of Rijswijk, near The Hague.
The incident took place around 5:45 PM on the terrace of a hotel on Van Vredenburchweg, where 41-year-old Cemil รnal from Turkey was shot at close range and died at the scene.
According to Turkish media, the victim was a whistleblower who accused high-ranking Turkish politiciansof corruption and money laundering. He is also said to repeatedly have warned Dutch authorities that he feared for his life.
Looking for leads
The suspect in the fatal shooting is described as approximately 1.80 meters tall, with a normal to sturdy build, a beard, and wearing black clothing โ specifically, black Adidas pants and black shoes with white soles from Nike.
Investigators have determined a possible escape route for the suspect. He is believed to have fled the scene towards Guntersteinweg and then continued north in the direction of Erasmusweg.
The police have not disclosed further details about the motive or the suspect’s identity, since the investigation is still ongoing.
They are now looking for witnesses who may have information, particularly two individuals who were reportedly sitting on a bench in the park near the crime scene around the time of the incident.
Additionally, authorities are interested in any footage from the area between 3:30 PM and 6:30 PM on May 1, including from security cameras, video doorbells, or dashcams.
Information can be shared anonymously via the online police tip form, or at 0800-6070.ย For international callers, the police tip-off line is available at +31 (0)79 345 98 00.ย