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boekhouding-zzp-btw-aangifte-en-kor · v3 · ZZP’er verdwaalt in btw en kleineondernemersregeling

Automated VAT & KOR companion for Dutch solo entrepreneurs that syncs invoices to tax filings in real-time

OPPORTUNITY DOSSIER →
78.9VENTURE SCORE / 100
PAIN · w0.350.69 · 24.0 pts
EVIDENCE · w0.200.80 · 16.0 pts
FEASIBILITY · w0.200.76 · 15.2 pts
ECONOMICS · w0.150.91 · 13.7 pts
TIMING · w0.101.00 · 10.0 pts
SPEC
PRODUCT

A web app that ingests invoices (via email, bank feed, or upload), classifies VAT rates per line item, tracks KOR eligibility in real-time, and auto-generates quarterly VAT returns with one-click submission to the Belastingdienst. It flags private-use adjustments (e.g., zakelijke auto) and warns when KOR thresholds are approached.

ICP

Dutch solo entrepreneurs (ZZP’ers) with €20k–€250k annual revenue, no employees, in service sectors (creative, consulting, trades) who file VAT quarterly and may use KOR. Target: 100k potential users.

WEDGE

Automated VAT return generation for ZZP’ers who currently use a basic facturatie tool (e.g., Moneybird, Exact) but still manually reconcile rates and submit returns.

PRICING

Subscription (SaaS) with fixed monthly fee, billed annually. · € 19.00 / month

TARGET CUSTOMERS Y1

1000

IMPLIED YEAR-1 ARR

€ 228,000.00

BUILD WEEKS

8

GO-TO-MARKET — FIRST 100 CUSTOMERS

Partner with top Dutch facturatie tools (Moneybird, Exact, e-Boekhouden) to embed as a 'VAT Companion' add-on. Offer 30-day free trial via their app stores. Target 10k installs in 6 months via co-marketing.

MVP SCOPE
ARGUMENTATION
TIMING

EU SME VAT exemption changes (Jan 2025) increase KOR complexity, creating urgency. Dutch ZZP’ers are underserved by generic tools that don’t handle KOR or private-use adjustments.

MOAT

Direct integration with Dutch invoice data sources (bank feeds, email parsers) and Belastingdienst API (post-2025) creates switching costs. KOR threshold logic is non-trivial to replicate; competitors (e.g., Visma) lack proactive alerts.

WHY THIS WINS

ZZP’ers struggle with VAT rate splits and KOR eligibility.

“[higherlevel_kvk] 'Bij sommige opdrachten heb ik uren tegen 21% en materialen tegen 9%. Mijn facturatieprogramma kan dat niet netjes opsplitsen...'”

Startups and new ZZP’ers are willing to pay to avoid manual VAT stress.

“[higherlevel_kvk] 'Als er iets was dat dit automatisch goed zou doen, zou ik daar zeker voor willen betalen.'”

Existing tools don’t proactively handle KOR or private-use adjustments.

“[higherlevel_kvk] 'Ik zie door de bomen het bos niet meer met die KOR...' and 'Ik rij een zakelijke auto die volledig op de zaak staat. Nu loop ik ieder kwartaal weer te stoeien met de btw-correctie voor privégebruik.'”

Regulatory changes (2025) increase demand for automated KOR/VAT tools.

“[regulation] 'From 1 January 2025, the special VAT regime (the SME scheme) allows small enterprises to sell goods and services without charging VAT to their customers (VAT exemption) and alleviate their VAT compliance obligations.'”
KILL CRITERIA