You serve people. Bilio does the paperwork.
Weekly cleaning clients, a ten-session coaching package, a wedding shoot with a deposit. Bilio sends the quote, turns it into an invoice, bills regular clients on schedule and lets them pay with iDEAL in one tap. From your phone, between appointments.
Free plan, no card · In English, Dutch, German, Spanish and Bulgarian · Data stored in the EU
To M. de Vries · Repeats monthly
- Cleaning, 4 × 3 hours
- €180.00
- Btw 21%
- €37.80
- Total
- €217.80
What’s the easiest way for a small service business to invoice?
Use invoicing software that remembers your clients and prices, bills regular clients automatically and puts a payment link on the invoice. Most consumers pay by iDEAL within a day when they can tap a link. If your turnover stays under €20,000 and your clients are consumers, the KOR can take btw off your invoices entirely.
Checked by Stefka Ivanova, founder of Bilio and a freelancer in Amsterdam, on .
- Regular clients
- Recurring invoices on your schedule
- Getting paid
- iDEAL, card or bank transfer
- Quotes
- Accepted quote to invoice in one click
- Consumer clients, under €20,000
- The KOR can take btw off
- Price
- Free; Pro €7 a month for recurring and iDEAL links
What changes when Bilio does the admin.
Cleaners, coaches, trainers, tutors, photographers, hairdressers: you serve people, not spreadsheets.
- 01
Regular clients bill themselves
Weekly cleaning, monthly training, a retainer: set a recurring invoice once and it goes out on schedule. On Pro.
- 02
Paid by iDEAL in one tap
On Pro, every invoice can carry a Pay now link. The client taps, pays with iDEAL or card, and the invoice marks itself paid. Stripe’s fee plus 1% per payment; bank transfer stays free.
- 03
Proposals they accept on their phone
Send a proposal for the package or the shoot. Your client opens the link, types their name to accept, and you get an email. One click turns it into the invoice.
- 04
Hours for sessions and lessons
Coaching, training, tutoring by the hour? Start the timer or type the session in, and bill the month’s hours per client in one click.
- 05
Reminders you don’t have to send
Late payers get a friendly reminder on the schedule you choose, so you don’t have to have the awkward conversation. On Pro.
- 06
Consumer or business, btw right
21% or 9% per line, no btw and the KOR line if you joined the KOR, and the right totals on every invoice.
Ask about your own numbers, in plain English.
Bilio’s AI financial advisor answers from your invoices and expenses (Pro). Or connect Claude, ChatGPT or Cursor to Bilio and ask there (Pro and Business); nothing is sent or changed without your OK.
Read receipts, suggest categories, add up the quarter, explain the btw boxes and the income tax lines, draft invoices.
Check the figures and file them. Bilio doesn’t file for you and doesn’t give tax advice; for a complex situation, see an adviser.
- Who hasn’t paid for October yet?
- Send a reminder to everyone more than a week late.
- Set up a monthly invoice for Mrs de Vries: 4 cleanings at €45.
- How much did I earn from coaching packages this quarter?
- Turn the approved wedding quote into an invoice.
Four btw returns and one income tax return.
The btw return is due by the last day of the month after each quarter; the income tax return by 1 May the year after. Most service businesses with consumer clients and under €20,000 turnover join the KOR and file no btw returns. Above that, the quarterly btw return applies.
- €1,200zelfstandigenaftrek 2026, with 1,225 hours
- €2,123startersaftrek, up to 3 times in your first 5 years
- 12.7%MKB-winstvrijstelling on profit after deductions
- €20,000turnover limit for the KOR
Figures for 2026 from the Belastingdienst and business.gov.nl. Check them before you file.
- 30 AprBtw return Q1
- 1 MayIncome tax return 2025
- 31 JulBtw return Q2
- 31 OctBtw return Q3Next
- 31 JanBtw return Q4
- 1 MayIncome tax return 2026
The tax office’s Dutch, in plain English.
- Btw
- Dutch VAT (belasting toegevoegde waarde). Usually 21%, 9% for some goods and services. You charge it on your invoices and pay it to the Belastingdienst every quarter, minus the btw on your business costs.
- KOR (kleineondernemersregeling)
- The small business scheme. With turnover under €20,000 a year you can choose to be exempt from btw: you charge no btw and file no btw returns, but you cannot reclaim btw on costs.
- Rubriek
- A box on the Dutch btw return, such as 1a (sales at 21%), 1e (0% or not taxed in the Netherlands), 3b (services to EU businesses) and 5b (btw on your costs).
- KVK
- The Dutch Chamber of Commerce (Kamer van Koophandel), where you register your business. You get a KvK number to put on every invoice, and the Belastingdienst sends your btw number.
Common questions.
Can my clients pay by iDEAL?
Can I invoice regular clients automatically?
Do I charge btw to private clients?
Can I use Bilio on my phone?
Does Bilio file my taxes?
Your first invoice takes four minutes.
Create an account with your email and follow the five-step setup: business details, VAT and KvK, IBAN, first client, first invoice. No card, no setup fee, no downloads. Cancel any time and take your data with you.