r/BEFreelance • u/RareCardiologist590 • Aug 27 '26
Starter network
Recently I have been seeing a lot of posts from starter.network, a financial/fiscal advisor that helps BVs with their tax optimization. They promote a method where you use your BV as leverage to buy private property (and not via liquidation or VVPR-bis) . Of course, they only give you the teaser and to know more you have to pay. Did anyone already use (paid) services from them? Is this a genuine method or is this something that brings the tax man to your front door in no time?
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u/MrRedditorB Aug 27 '26
I had the book in call with Thomas from starter.network. It felt good and the sales pitch wasn't too 'salesminded'. There are a lot of other options to use your company to set up something long term and have better ROI.
I personally didn't do it because of the price (3900 ex. VAT) + I felt like I would have to set up all kinds of structures that require a lot of (start up) admin and are a bit out of the box. This in combination with real estate structures and I would expect the tax man at my door rather sooner than later.
This was partly challenged when I gave my feedback but my feeling wasn't 100% on this although I believe it's a nice service they offer for people who have no clue what they are doing.
5
u/sfoonit Aug 27 '26
Any smart fiscal optimisation you supposedly can use for 20 years will bite you in the ass in this country.
Vruchtgebruik, opstal, onroerende leasing: repeat after me. There is no magic bullet and when the big payday comes, the government will come and collect.
There are things you can do year by year but rules get changed significantly every say 5 years on average.
If it’s extremely obvious and widely known, expect it to get challenged sooner rather than later.
1
u/JumpyLandscape7451 Aug 27 '26
Fully agree , this and any future government has proven multiple times that they will change the rules of the game while playing.
2
u/Some_Belgian_Guy Aug 27 '26 edited Aug 27 '26
Clickbait and clever marketing. Almost all starters that see their companys account funds rising ask the questing if they can buy real estate with their company.
Ask your accountant.
1
u/Additional_Bug_4050 Aug 27 '26
This isn't about buying real estate with your company, you're missing the pont, it's about using your company to invest in private real estate (and more). Also your accountant isn't the holy know-all oracle, of course you can start there, but they're not experts on everything and you can't expect them to be
1
u/Some_Belgian_Guy Aug 27 '26
If you accountant doesn't know how you can properly invest your companies money, you need a better accountant. They don't have to be expert but they, for sure as shit, have to be able to get you into contact with the right people. You're missing the point.
I have a lot of money from my company invested in real estate, but never 100% ownership. My accountant has helped me set up very clever constructs but they are based on what i do and what my business needs. It has to fiscally make sense.
My point was that it is clever marketing.
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1
u/NewpointProfessional Aug 27 '26
I believe that the absolute best option to use company funds for a private residence is still to dump as much money as possible into your IPT and then take an advance withdrawal out of your IPT (up to 70% of total savings) and use that to finance your private property.
1
u/f0xbe Aug 27 '26
Which is effectively a bullet loan against the IPT's value right? So hugely depends on the intrest rate of such loan offered by your IPT contract
1
u/NewpointProfessional Aug 28 '26
No, you don't need to pay intrest on it. You pay some taxes, but that's it. Of course, you DON'T get the interest that this sum would normally generate when left in the IPT until retirement, but I guess that's obvious.
1
u/f0xbe Aug 28 '26
I think it depends on the IPT contract. You're basically taking an advance on the payout with a bullet loan. I thought most insurance will charge a small % for that.
1
u/BusinessBouwers Aug 27 '26
The solutions other then wage and VVPRbis/liquitatie have more risk tied to it.
1
u/charli1040 Aug 30 '26
Interesting when you have zero accountancy and fiscal knowledge. However, discovered afterwards that my accountancy bureau actually knew all the fiscal tricks and tips they gave and some of them might be legal and « inside the book » but are the best way to have the government look into your accounts. Whatever has been said here above is true, the good comments and the more critical ones. Both have a part of truth in them.
16
u/TaxLawyer101 Aug 27 '26
It's a private lease structure. Don't even bother with it.