Journal
Insights from the inside of European banking
Original writing on SEPA, SWIFT, crypto regulation, business banking, and the fintech landscape — from the team at Nedsom.
Setting up a Dutch BV: the operational checklist beyond the notary
The notary visit to incorporate a Dutch BV takes two hours. Everything else takes six months. Here is the operational punch list most guides skip.
Read articleCyber insurance for SMEs: when it pays and when it does not
Cyber-insurance premiums rose dramatically in the mid-2020s as insurers paid out on ransomware. For a small business the policy decision is now less obvious than it was.
Why your fintech should have a DNB-licensed partner, not just a bank account
If you are building a product that touches payments, the regulator you partner with determines more than you realise. Here is the practical difference a DNB licence makes.
Pension options for freelancers in the EU: the 2026 landscape
As a freelancer you are responsible for your own retirement planning. The 2026 landscape of EU pension vehicles is better than ever — and more confusing than ever.
Factoring and invoice financing: when it saves your business, when it ruins it
Selling your receivables is a legitimate way to bridge cash-flow gaps. It is also a famously easy way to erode your margins. Here is the plain-language test.
Expense management for small business: the stack that actually works
For a business with 5-50 employees, the gap between "receipts in a shoebox" and "mature finance ops" can close for under €200/month with the right stack.
The business case for multi-currency at eCommerce scale
An EU-based online store selling in five countries can lose 2-3% of revenue to invisible FX fees. Here is how multi-currency banking changes the maths.
Business banking in the Netherlands: what to expect in 2024
If you are incorporating a Dutch BV or a holding structure, understanding the Dutch business-banking landscape saves time and money. Here is the lay of the land.
How to receive salary in EUR as a remote worker across borders
If you work remotely for a European client but live elsewhere — or vice versa — getting paid cleanly in euros is harder than it should be. Here is the playbook.