Moving private assets into a BV
Moving assets out of box 3 (the Dutch tax category for private savings and investments) into a BV can work out well, but that depends entirely on your situation: the size of your assets, the return you make and how long you want to lock the money away. Do the maths first, then decide.
What you can expect from us
- One fixed monthly fee, excl. VAT - no additional invoicing afterwards
- VAT, corporate income tax and filing deadlines monitored
- One permanent contact person with management experience
- We arrange the switch with your current firm
Arranged in 3 steps
You request the quote
You tell us what your BV looks like: holding structure or not, number of invoices, payslips. Within one working day you have a fixed monthly fee.
We collect the records
Agreed? Then we contact your current firm and arrange the handover. All you give is your approval, nothing else.
Your administration keeps running
From that moment on we monitor the tax returns and the filing. You always speak to the same finance professional and know every month what you pay.
Why entrepreneurs are moving assets into a BV in 2026
Tax on savings and investments in box 3 has become considerably heavier in recent years. Your assets are taxed on the basis of a notional return, even if your actual return is lower. For entrepreneurs with substantial private assets - whether that is savings, investments or real estate - the question of whether investing through a BV or privately is more favourable for tax purposes is more relevant than ever.
Inside a BV, your assets fall under corporate income tax (VPB) and, the moment you take money out into your private hands, under box 2 (the Dutch tax category for substantial shareholdings). That sounds more complicated, but on balance it can be more advantageous as long as you let the assets generate a return inside the BV. Whether that also applies to your situation depends on the size of your assets, your investment strategy and your personal income needs. That is exactly the trade-off we work through with you in an introductory call.
FAQ
Frequently asked questions
Is it always sensible from a tax point of view to hold assets in a BV?
Not by definition. Whether it is sensible depends on the size of your assets, your expected return, how long you leave the assets in place and how you eventually want to use them. A BV also brings fixed administrative obligations with it. In a free 30-minute introductory call we discuss your specific situation and make the trade-off clear for you. We make no promises about tax savings without that calculation.
Do you set up the BV as well?
No. Setting up a BV (the Dutch private limited company) and executing the notarial deed are tasks for the notary. We take care of everything that comes after: setting up the bookkeeping, the VAT (btw) returns, corporate income tax, the annual accounts and the payroll for the director-major shareholder (DGA).
What does bookkeeping for a BV cost at Nummerix?
That depends on the size and complexity of your BV. We always work with a fixed monthly fee agreed in advance, excl. VAT. There is no additional invoicing afterwards and no separate bill for the annual accounts. Request a quote without obligation; you will hear your fixed monthly fee within one working day.
Can I also put savings into a BV if I do not have an active business?
Yes, that is in principle possible through what is known as a savings BV or investment BV. The tax authority (Belastingdienst) does set requirements for the activities of the BV. Whether this structure works for your situation and is advantageous for tax purposes is something we discuss in an introductory call. We then take care of the full administration of that BV.
I already have an accountant. How does switching to Nummerix work?
We arrange the handover for you. We contact your current firm, collect the records and make sure everything is transferred correctly. It takes barely any of your own time.
What is the difference between box 3 and box 2 for assets in a BV?
Box 3 is the tax category for private assets such as savings, investments and real estate that you do not use as an entrepreneur. You pay tax there on the basis of a notional return. Box 2 is the tax category for substantial shareholders: people who own at least five percent of the shares in a BV. Assets you move into a BV fall under corporate income tax inside the BV from then on, and when you take money out into your private hands you pay box 2 tax on the distribution. As long as the assets stay in the BV, you defer that box 2 tax. Whether that is advantageous in your situation depends on your personal circumstances.