Blog & Columns | Pavan Geraedts

Every Product Change Can Rewrite Your Compliance Position

Sep 23, 2026 Compliance

Paolo Maria Pavan

A substitute ingredient or new sales channel can quietly change a retailer’s compliance position. Reliable change control keeps products, records and customer information aligned.

Alcohol COMPLIANCE Food safety Tobacco retail

Separation Splits the Household Before the Tax Records Catch Up

Sep 23, 2026 Ledger & Tax

For founders, separation can alter fiscal partnership, cash flow, maintenance, business ownership, addresses and access rights before official records catch up.

Business ownership Dutch tax Entrepreneurship LEDGER & TAX Separation cash flow fiscal partnership

Box 3’s Moving Future Cannot Fund Today’s Business Decisions

Sep 23, 2026 Ledger & Tax

Box 3 policy is changing, but provisional assessments already affect private reserves and decisions inside the BV. Reliable records and conservative cash planning remain essential.

Dividends Dutch tax LEDGER & TAX box 3 business governance private liquidity tax records

A Retail Sale Now Carries More Duties Than the Receipt Shows

Sep 23, 2026 Compliance

Paolo Maria Pavan

Retail compliance is not a collection of separate tasks. Following one transaction from supplier information to refund and VAT treatment reveals whether the handovers really work.

COMPLIANCE Packaging Product safety consumer law e-commerce retail

The 2027 Tax Shift Leaves Old Business Assumptions Exposed

Sep 23, 2026 Governance

Paolo Maria Pavan

The Dutch tax changes planned and proposed for 2027 expose gaps between profit, taxable income, owner drawings, payroll costs and genuinely available cash.

Dutch tax GOVERNANCE cash flow company cars payroll small business

Confidential Business Records Need Boundaries Before Authorities Start Filtering

Sep 22, 2026 Governance

Paolo Maria Pavan

A Dutch proposal for filtering privileged digital information offers businesses a broader governance lesson about access, separation, logging and retrievability.

Digital evidence GOVERNANCE Information governance Professional privilege Risk management

The Zzp Invoice May Hide a Second Labour Cost

Sep 22, 2026 Ledger & Tax

A zzp invoice may look like an external cost while the working relationship creates payroll-tax exposure. Dutch enforcement makes that mismatch a direct cash concern.

Dutch tax LEDGER & TAX Self-employment cash flow labour costs payroll tax zzp

Prinsjesdag Plans Need Dates Before They Enter Your 2027 Budget

Sep 22, 2026 Ledger & Tax

A practical Prinsjesdag checklist for separating current payroll action from proposals affecting the 2027 budget, pricing, cash flow and tax.

2027 budget Dutch tax LEDGER & TAX Prinsjesdag business planning cash flow payroll

Dutch Fund Growth Is Outrunning the Habits That Protect It

Sep 22, 2026 Market Pulse

Paolo Maria Pavan

Dutch light fund managers are growing in number, but AFM figures reveal gaps in transaction profiles, training, FIU registration and oversight of outsourced AML work.

AFM AIFMD AML Dutch funds MARKET PULSE Wwft fund governance sanctions

Website Blocking Needs More Than a Name on ACM’s List

Sep 22, 2026 Compliance

Paolo Maria Pavan

ACM has clarified when Dutch internet providers may block websites linked to sanctioned Russian media. The list helps, but responsibility, judgment and review remain essential.

ACM COMPLIANCE EU sanctions Internet providers Net neutrality Website blocking

Restaurant Staffing Risk Grows Between the Permit and the Shift

Sep 22, 2026 Human Resources

A Dutch investigation illustrates how ordinary staffing decisions can create serious legal and financial exposure when permits, duties, hours and pay no longer match.

HUMAN RESOURCES Labor compliance Migrant workers Restaurant staffing hospitality payroll work permits

A Contractor Agreement Cannot Outrun the Working Week

Sep 21, 2026 Compliance

Paolo Maria Pavan

A signed contractor agreement is not decisive when daily instructions, working patterns and commercial reality point elsewhere. Dutch businesses should reassess assignments as they evolve.

COMPLIANCE Dutch tax Employment status contractors small business zzp

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