Guidance for your next step
Prepare your figures for the conversation.
From a bank forecast to your first financial plan. Choose a question and work through an example, a checklist and the appropriate calculator.
Payments and records
Receipts, work orders and employer statements explained
Choose the right receipt, work order, expense claim or employer statement. Worked examples, practical checks and free PDF tools for your business records.
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Support your figures
From unit cost to net business profit
Support selling prices, allocate vehicle costs and reserve tax. A practical guide with formulas, worked examples and five free Dutch business calculators.
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Support your figures
Read financial statements in 10 minutes
Read your balance sheet, profit and loss and cash flow in ten minutes. Worked figures, clear formulas and free financial ratios for your business.
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Prepare for financing
Forecast for a bank: turn your figures into a supported plan
Preparing a forecast for a bank? See what to collect, a worked example and what an XAF forecast covers. Free preview, PDF €19 per report.
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Prepare for financing
Applying for business finance: which figures should you prepare?
Prepare your financing application with the purpose, funding need, existing figures and assumptions. Includes a document checklist and practical example.
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Support your figures
Financial plan for new businesses: four connected budgets
What belongs in a financial plan? Compare investment, financing, operating profit and cash flow. Includes an example and Rekenbox’s scope.
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Support your figures
Create an operating budget: from revenue to expected profit
Creating an operating or profit budget? See a worked example with revenue, purchases, operating costs and profit before tax.
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Support your figures
Create a cash-flow budget: when might cash run short?
Preparing a business or bank cash-flow forecast? Follow opening cash, receipts and payments in a monthly example. Understand the difference from profit.
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Support your figures
Create a revenue forecast: support quantities and selling prices
Build a revenue forecast from hours, customers, quantities or historical XAF figures. Includes a price-volume example and growth and seasonality checks.
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Create a profit forecast: how much growth becomes profit?
Build a profit forecast from income and costs. Compare growth scenarios and see why higher revenue does not automatically mean higher profit.
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Check your source
Annual figures for finance: what does your overview show?
Need annual or interim figures for financing? Learn how to check an XAF overview and how it differs from statutory financial statements.
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Prepare for financing
Investment and financing budgets: what do you need and how will you pay?
Reconcile your investment and financing budgets. Includes a funding example, cash-buffer considerations and links to calculators.
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Check your source
Forecast from an XAF file: check the source first
Use an XAF export for a forecast or financial overview. Learn about versions, EUR, reference periods, account classification and Rekenbox source checks.
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Prepare for financing
A startup financial plan: budget without historical accounts
No historical accounts yet? Build a startup revenue and cost plan from concrete assumptions. Includes a quarterly example and preparation checklist.
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Support your figures
Compare forecast scenarios: what if income or costs change?
Compare base, growth and downside forecasts. Includes calculated monthly results, sensitivity analysis and guidance on assumptions.
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Salary and income
Salary in the Netherlands explained
Understand gross and net Dutch salary, holiday pay, the 13th month, 30% ruling and employer costs. Worked examples and free employee and ZZP tools.
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Payments and records
Invoices, payments and reliable records
From VAT and invoices to payment, collection costs and cash books. Understand the amounts, keep evidence together and download PDF or Excel records.
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