Self-employed & flex workers
Building pension as a freelancer, self-employed, agency or platform worker.
9 articles
Building a Pension as a DGA: What Options Do You Have?
A director-major shareholder must distinguish existing pension obligations from new saving. New in-house pension accrual ended on 1 July 2017; annuity…
Stopping as a Freelancer: What Happens to Your Pension?
Stopping self-employment does not automatically terminate pension products or tax obligations. Check contracts, returns and conditions before stopping…
Pension for a DGA: what every director-major shareholder needs to know
A director-major shareholder should assess existing pension obligations, personal provisions and business assets separately. The company’s value is not…
Jaarruimte and Reserveringsruimte: Tax-Efficient Pension for Self-Employed
The 2026 annual allowance uses 2025 data. Its ceiling is €35,589; unused allowance from 2016–2025 can provide up to €42,753 reserve allowance. Your own…
Seasonal work and Dutch pension accrual
Short seasonal work can also build pension. The scheme, age and period worked determine accrual; a long general StiPP waiting period no longer applies.
Dutch pension advice for self-employed (ZZP): what matters in 2026
Pension advice for the self-employed starts with existing rights, compulsory participation, income and reserves. Personal product choices belong with an…
Self-employed via a Dutch staffing agency: pension rights
Working through an agency does not by itself establish self-employment, temporary employment or payroll employment. The actual working relationship and…
Dutch task platform workers and pension
Platform work does not exclude compulsory pension participation. Check your actual employment relationship and the rules for your activities, then review…
Building Your Pension as a Freelancer in the Netherlands: The Complete Guide
Freelancer pension planning starts with AOW and existing pensions, an accessible buffer, and any qualifying annuity contributions within your own tax allowance.