Taxation of Light Entrepreneurs – Everything You Need to Know (Without Legalese)
How does taxation work for light entrepreneurs and what tax deductions can you use? Read this plain-language guide and learn how to get the most out of invoicing.
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What is included in bisse.fi service for light entrepreneurs
Get all the advanced features of an invoicing service at a more affordable service fee
Salary always as an instant payment
We pay your salary immediately once the invoice has been paid and the payment is visible in our account. No more waiting days or even weeks for your salary.
Free registration
You can start using the service right away with no sign-up fees. Send emails and e-invoices to private and business customers quickly and effortlessly. Joining the service does not obligate you to use it continuously.
No mandatory monthly or extra fees
Our service has no hidden costs, mandatory insurance, or additional fees. Pricing is transparent, and the service fee includes everything you need to start operating as a light entrepreneur.
Liability and accident insurance
For a light entrepreneur, accident and liability insurance is not only a requirement for many work assignments, it also increases customer trust and protects you in unexpected situations.
Processing of tax-free travel expense reimbursements
You can add travel expenses such as mileage allowances, meal allowances, and daily allowances to your invoice. These reimbursements are paid tax-free according to the Tax Administration’s guidelines.
Tax withholdings and authority reports
The service includes withholding and payments of taxes and statutory fees such as VAT, prepayments, and health insurance contributions, as well as the required reporting to tax authorities.
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Light entrepreneurship offers a popular, effortless, and safe way to invoice clients for individual services you provide. It is an excellent option for those who provide services but do not want to establish their own company or deal with business-related bureaucracy.
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As a light entrepreneur, you can easily send invoices for your freelance work, with or without a business ID, as we handle the bureaucracy for you. You also receive your salary as soon as the invoice payment is visible in our account, every day of the year!
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Many people nowadays choose light entrepreneurship, taking advantage of convenient invoicing services that reduce the administrative workload and thus save valuable time. The use of light entrepreneurship services has grown significantly in recent years, and their popularity continues to increase. Most invoicing services charge multiple times the service fee for the same service.
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Register now and start invoicing immediately. You do not have to worry about the bureaucracy, we handle it for you, so you can focus on creating value for your customers.
No, as a light entrepreneur you don’t need your own Business ID. You always use the invoicing service’s Business ID for invoicing. If you want to operate under your own sole proprietorship or expand your activities, you can apply for a Business ID and start a company.
Self-employed persons’ pension insurance (YEL) is mandatory when all of the following apply:
- You are 18–67 years old.
- You operate as an entrepreneur continuously for at least 4 months.
- Your YEL income exceeds the annually confirmed lower limit (in 2025 the threshold is €9,208.43 per year).
Your YEL income affects, among other things, your pension accrual and social benefits.
- Light entrepreneurship: quick to start, no personal bookkeeping, no personal Business ID; bisse.fi handles payroll and tax payments.
- Sole proprietorship (toiminimi): your own Business ID, bookkeeping and VAT obligations, more flexibility e.g. for purchases.
If you’re testing demand or doing this on the side, start as a light entrepreneur. As turnover and customer numbers grow, a sole proprietorship can be the next step.
We pay your wages as soon as your customer’s payment is visible on our side. Payroll is run every day up to 23:00, always via instant transfer, so you receive the money the same day.
No. bisse.fi has no hidden fees, mandatory add-on coverages, or separate instant-transfer fees. You choose the features that fit your service level.
- Payroll taxation: We pay your wages and withhold according to your tax card, plus any other statutory payments.
- VAT: The invoice uses current VAT rates (standard, reduced). You do not need your own VAT registration as a light entrepreneur.
- Expenses: You can add travel expenses directly when creating the invoice. Other income-generating expenses can be deducted in your personal tax return.
- Tax-exempt mileage allowance: €0.59/km (own car).
- Domestic full per diem: €53/day.
- Domestic partial per diem: €24/day.
- Meal allowance: €13.25.
Record the purpose of the trip, route, and kilometers — and attach receipts if needed.
Yes, if the work is eligible. Include a clear breakdown of the labour portion on the invoice (materials are not deductible).
In 2025, the maximum household deduction is €1,600 per person (minimum deductible €150), and the deduction is 35% of the labour portion. The customer applies for the deduction themselves in MyTax (OmaVero).
Through bisse.fi it’s possible to invoice abroad to most countries. Exceptions are countries under sanctions and high-risk countries.
If invoicing abroad is new to you, feel free to contact our customer support.
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