Free Invoicing & Accounting Software for the Netherlands

BusinessOS is a free invoicing platform for Dutch ZZP'ers, freelancers, and small businesses. 21% BTW, BTW-nummer and KVK-nummer fields, EUR currency, and encrypted on-device storage. Free during limited early access.

Dutch tax compliance features

• 21% BTW standard rate, 9% reduced rate, 0% for exports
• KOR (Kleineondernemersregeling) support
• BTW-nummer and KVK-nummer fields
• EUR (€) currency formatting
• Factuur format meeting Belastingdienst requirements
• Sequential invoice numbering
• CSV export for tools like Moneybird, Exact, or e-Boekhouden

Cities and regions served

BusinessOS works everywhere with an internet connection to sign up — and fully offline after that. Currency, tax, and language settings adapt to your location. Popular cities:

• Amsterdam
• Rotterdam
• The Hague (Den Haag)
• Utrecht
• Eindhoven
• Groningen
• Tilburg
• Almere
• Breda
• Nijmegen
• Enschede
• Haarlem
• Arnhem
• Zaanstad
• Amersfoort

Built for these businesses

• ZZP'ers (self-employed professionals)
• Freelance developers and designers
• Marketing and creative agencies
• E-commerce merchants
• Restaurants and hospitality
• Retail and boutique shops
• Tradespeople and contractors
• Coaches and therapists
• Photographers and creative professionals
• Solo legal and medical practices

Complete feature set

• Unlimited invoices and quotations
• One-click quote-to-invoice conversion
• Expense tracking with receipts
• Customer CRM with pipeline and trust scoring
• Product and inventory management
• Cash flow forecasting and tax set-aside
• P&L, balance sheet, and tax reports
• Multi-currency with automatic conversion
• Voice invoicing (English + Arabic)
• One-tap WhatsApp send on every invoice
• PDF export with your branding
• Zero-knowledge encryption
• Works fully offline
• Installs as a native app on any device

Privacy first

BusinessOS stores your data with zero-knowledge encryption. Everything is encrypted on your device with AES-GCM using a key derived from your password. If our servers are ever breached, an attacker only gets encrypted noise — not your revenue figures, customer list, or bank details.