Title: Invoicing for cleaners, coaches, trainers and other services URL: https://getbilio.com/for/small-service-businesses Description: Simple invoicing for small service businesses in the Netherlands: recurring invoices, iDEAL payment links, quotes and the KOR. Free to start. Last updated: 2026-10-07 For small service businesses # 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. [Start free](https://app.getbilio.com/register) See how it works Free plan, no card · In English, Dutch, German, Spanish and Bulgarian · Data stored in the EU _Illustration: An invoice for four cleaning sessions with an iDEAL Pay now button, marked paid, repeating monthly_ The short answer ## 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](https://getbilio.com/about), founder of Bilio and a freelancer in Amsterdam, on 7 October 2026. 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 How Bilio helps ## 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. Natively AI ## 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. **AI does** Read receipts, suggest categories, add up the quarter, explain the btw boxes and the income tax lines, draft invoices. **You do** 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. [Connect your assistant](https://getbilio.com/works-with-your-assistant) 1. Who hasn’t paid for October yet? 2. Send a reminder to everyone more than a week late. 3. Set up a monthly invoice for Mrs de Vries: 4 cleanings at €45. 4. How much did I earn from coaching packages this quarter? 5. Turn the approved wedding quote into an invoice. The Dutch tax year ## 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. - **€1,200**zelfstandigenaftrek 2026, with 1,225 hours - **€2,123**startersaftrek, up to 3 times in your first 5 years - **12.7%**MKB-winstvrijstelling on profit after deductions - **€20,000**turnover limit for the KOR Figures for 2026 from the [Belastingdienst](https://www.belastingdienst.nl/wps/wcm/connect/nl/ondernemers/ondernemers) and [business.gov.nl](https://business.gov.nl/starting-your-business/starting-as-a-self-employed-professional/vat-and-income-tax-for-self-employed-professionals/). Check them before you file. _Illustration: The Dutch tax year for a zzp'er: btw returns at the end of April, July, October and January, the income tax return by 1 May_ Dutch tax terms ## 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. Questions ## Common questions. Can my clients pay by iDEAL? Yes, on Pro and Business. Connect your own Stripe account and every invoice can carry a Pay now link for iDEAL, card or SEPA. The money goes to your Stripe account. Stripe charges its processing fee and Bilio 1% per online payment; bank transfer stays free. Can I invoice regular clients automatically? Yes, with recurring invoices on Pro (€7 a month). Choose the client, the lines and the schedule, and Bilio sends each invoice on the day. Do I charge btw to private clients? Yes, unless you joined the KOR or your service is exempt (some healthcare and education is). Cleaning, coaching, photography and hairdressing are usually at 21%, with some services at 9%. Check your service on the Belastingdienst site. Can I use Bilio on my phone? Yes, Bilio works in your phone’s browser: create an invoice, snap a receipt, see who has paid. Does Bilio file my taxes? Bilio prepares the figures; you file them yourself in Mijn Belastingdienst Zakelijk (btw) and in your income tax return. Bilio does not file for you and does not give tax advice. ## Guides - [How to chase a late invoice without losing the client](https://getbilio.com/resources/how-to-chase-a-late-invoice) - [De KOR-regeling: wel of niet meedoen? (Dutch)](https://getbilio.com/nl/resources/kor-regeling) - [How to invoice as a freelancer](https://getbilio.com/resources/how-to-invoice-as-a-freelancer) ## Bilio is also for - [Expat freelancers in the Netherlands](https://getbilio.com/for/expat-freelancers-netherlands) - [Instead of an accountant](https://getbilio.com/for/ai-accountant) - [Freelancing next to a job](https://getbilio.com/for/freelancing-next-to-a-job) - [Your first year as a zzp’er](https://getbilio.com/for/first-year-zzp) - [Clients abroad](https://getbilio.com/for/freelancers-with-international-clients) - [UK freelancers](https://getbilio.com/for/uk-freelancers) Get started ## 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. [Start free](https://app.getbilio.com/register) [See pricing](https://getbilio.com/pricing)