Complete financial system for expats in the EU
Dutch taxes + personal finances + investments - simple, clear, stress free
- From tax confusion → to full compliance
- From money chaos → to a clear budget
- From fear of investing → to a portfolio that works for you
Let’s review your situation
More than 50 clients
4.9 out of 5 (100 reviews)
I created this space to support people navigating a new country and their finances. Here, you get clarity, guidance, and real understanding – so you can feel confident and in control.
Does this sound like you?
TAX – “The Dutch tax system feels like a trap”
- Got a letter from Belastingdienst – panicked
- Not sure if you filed correctly
- Paying more tax than you should
INVESTMENTS – “Your money is doing nothing”
- Savings sitting in a bank, losing value
- Heard about ETFs – still confused
- Waiting until you “understand it better”
COMBINED – “You earn well. So where does it go?”
- Money disappears before month ends
- No system, no plan, no clarity
- Doing okay – but know you could do better
If you nodded - this is exactly where I help.
year of experience
clients
years experience in investing
A system that puts your finances in order
Moving to a new country means new rules, new taxes, new stress. There’s no standard financial playbook for expats. There’s confusion, fear of making mistakes, money slipping away unnoticed – and no one to explain it simply. I’m here to walk this path with you. Clearly, calmly, with real results.
Tax & Accounting (NL)
Dutch tax returns, BTW filing, ZZP registration – handled correctly so you never overpay or face fines from Belastingdienst
Personal Finance Control
Understand exactly where your money goes each month. Build a budget that works for your real life — not a spreadsheet fantasy
Investment Strategy
Start investing without fear. ETFs, portfolios, risk management — explained simply and built around your goals and timeline
Full Financial Plan
All three combined into one clear roadmap – so you know exactly how to reach financial stability and independence
How it works: what to expect
- We start with your situation – no templates, no guesswork
- I explain everything in plain language, zero jargon
- We find where money is being lost or left on the table
- You get a clear action plan tailored to your goals
- Full confidentiality, honest advice, real results
Every session is focused on one thing – making your finances finally make sense.
Who this is for
- Expats new to the Netherlands who don’t know where to start
- Freelancers & ZZP owners who want to stop worrying about taxes
- Employees with side income who need clarity on what to declare
- Families managing joint finances without a shared system
- People who want to start investing but don’t know how
- Anyone who earns well but still feels financially lost
Everyone’s situation is different. I work with anyone who’s ready to bring order to their finances – wherever you are in your journey.
Follow along on Instagram
Tax tips, investment basics, and honest money advice for expats in the EU – posted regularly, explained simply.
Services & Pricing
Clear, practical support for your life and business in the Netherlands.
From accounting and taxes to financial planning and investments – I help you make confident decisions and stay in control of your money.
Accounting NL
For freelancers (ZZP), expats and small businesses in the Netherlands
I take care of your accounting so you can focus on your work. From registration to monthly reporting and tax compliance – everything is handled correctly, on time, and without stress.
▪ Tax Declaration (Income Tax) – €75–90 Full annual filing with all deductions optimized
▪ VAT / BTW Filing – €75 Quarterly VAT reporting and submission – no late fees
▪ Monthly Subscription – €120/month Bookkeeping, BTW, ongoing support via messenger
▪ ZZP Registration – €200 Full setup: KvK, tax registration, first BTW – done right from day one
Finance
For those who want clarity, control and a real financial strategy
I help you understand your finances, cut what’s draining you, and build a realistic plan that fits your actual life — not a generic template.
▪ Financial Audit — €50–120 Deep dive into your income and expenses — find where money disappears
▪ Financial Plan — €500 Full roadmap: budget system, savings strategy, investment direction. Your most important financial document.
▪ Budget Spreadsheet — €60–180 Custom-built Google Sheets system designed around your income, goals and lifestyle
Investments
Simple, structured and transparent approach to investing
I help you start investing without overwhelm — with a clear strategy, honest risk explanation, and ongoing support so you never feel alone in it.
▪ Investment Consultation — €50 Your first step: understand the basics, platforms, and what actually fits your situation
▪ Portfolio Setup — €200 A personalized portfolio built around your goals, timeline and risk comfort
▪ Ongoing Support — €100/month Monthly portfolio review, rebalancing, and a real person to answer your questions
About Me
Clarity and confidence in your financial life
Hi, I’m Nadya — a financial consultant helping expats and freelancers in the Netherlands navigate taxes, accounting, and personal finances with ease.
I know what it feels like to land in a new country and face a completely unfamiliar financial system. New rules, confusing forms, and no one explaining it in a language that actually makes sense. That’s exactly why I do what I do.
10 years ago, I came to the Netherlands for the first time and knew nothing about this country. Today, I help people adapt and build their lives here.
My approach is personal, not transactional. I don’t hand you a template and disappear. I sit with your actual situation, explain everything clearly, and stay with you as your finances grow.
With me, you don’t just get answers — you get understanding. And with understanding comes confidence, control, and the ability to make decisions that actually move your life forward.
Cases & Reviews
Real results from real people — expats who were exactly where you are now.
From tax panic to full compliance
A ZZP owner had been filing his own declarations for three years — incorrectly. Missed deductions, overpaying every year without knowing it. We reviewed everything, corrected the approach, set up a clean system.
We filed a tax return for an employed client, correctly applied all eligible tax deductions, and as a result, the tax authorities refunded her €2,000.
The client opened a ZZP (sole proprietorship) and closed it after 2 weeks. Two months later, he received a letter from the tax authorities stating that he needed to submit a VAT return for the 4th quarter (he simply didn’t know that even without business activity, a tax return still had to be filed), along with a €82 fine for late submission.
Submitted a zero VAT return and sent an explanation to the tax office. After reviewing the correction and his situation, the tax authorities issued a decision to refund him €5,000.
Result:
✔ €1,200 recovered in missed deductions
✔ BTW filings automated
✔ Zero stress at tax season now
From paralysis to a real investment portfolio
€8,000 sitting in a savings account for two years. She knew she should invest — but every article made it more confusing. One consultation. A clear strategy. A portfolio built around her goals.
The client was living paycheck to paycheck. After working together, she clearly saw where her money was going. We optimized her expenses and found an extra €200 that she can now start investing.
Result:
✔ First investment made within a week
✔ Diversified ETF portfolio from €200/month
✔ Clear 5-year plan in place
From "where does it all go?" to financial control
Two solid incomes — but no idea why they couldn’t save. Earn, spend, stress, repeat. Full financial audit, found €900/month in unnoticed leaks, built a system they actually use.
Result:
✔ €900/month freed up
✔ Emergency fund started within 60 days
✔ First shared financial goal set
Frequently Asked Questions
I already have an accountant. Why would I need Nadiya?
Most accountants file your taxes and stop there. Nadya combines tax, personal finance, and investments into one system — so your money doesn’t just get reported, it starts working for you.
I don't have much money to invest. Is it even worth starting?
Yes — and the sooner the better. Many clients start with €100–200/month. The goal isn’t the amount, it’s the strategy. Waiting until you “have more” usually means never starting.
I'm scared I've already made tax mistakes. What do I do?
That’s the most common reason people reach out. Nadya can review your previous filings, spot any issues, and fix them before they become fines. Better to know early.
Is this only for people in the Netherlands?
Tax and accounting services are focused on the Netherlands. Financial planning and investment consultations are available for expats across the EU.
How do sessions work?
All sessions are online via Zoom or Google Meet, in English or Ukrainian. Flexible scheduling, no commute, no paperwork.
What if I just have one quick question?
Start with a one-hour consultation — €50. You’ll leave with a clear answer and a concrete next step.
How long until I see results?
Most clients feel the difference after the first session — because clarity alone feels like a weight lifted. Concrete results typically show within 30–60 days.
Is my financial information safe?
Completely. Full confidentiality. Nothing you share leaves the conversation.
You've been managing without a system for long enough.
Financial Consulting in the Netherlands.
Clarity, control and confidence in your financial life.
Helping expats, freelancers (ZZP) and professionals in the EU navigate taxes, accounting, personal finance and investments – simply and stress-free.
Services
Tax & Accounting (NL)
Personal Finance Planning
Investment Strategy
Full Financial Plan
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