The Bbz scheme (Decree on Welfare for Self-Employed Persons) supports self-employed entrepreneurs in Rijswijk who are in financial distress. You can apply for a temporary livelihood benefit or obtain a loan for your business.
What does the Bbz scheme entail?
The Bbz is intended for self-employed individuals in Rijswijk who temporarily have insufficient income to live on. The scheme offers various options:
- A monthly livelihood benefit
- A loan as working capital
- Starter credit for starting entrepreneurs
Who is eligible for Bbz in Rijswijk?
| Target group | Conditions |
|---|---|
| Experienced self-employed | At least 1,225 hours per year active, business must be viable |
| Starting entrepreneurs | Within 36 months after establishment, with a solid business plan |
| Self-employed aged 55 and older | Upon termination of business (alternative: IOAZ scheme) |
| Self-employed who are ceasing operations | Who are in financial difficulties |
Bbz livelihood benefit
If your income falls below the social minimum, you can apply for a supplement in Rijswijk:
- Supplement to the level of the welfare norm
- Initially provided as a loan
- Annual final settlement
- Received too much? Repay
- Received too little? Additional payment
Working capital via Bbz
A loan for essential business investments:
- Maximum €212,954 (2024 rate)
- Interest rate: 8% annually
- Repayment term: up to 10 years
- Business must have future prospects
How to apply for Bbz in Rijswijk?
The Bbz application is submitted to the Municipality of Rijswijk. Ensure you have the following documents ready:
- Business plan or recent annual figures
- Financial prospects for the coming year
- Overview of personal and business finances
Frequently asked questions about Bbz in Rijswijk
Is the Bbz benefit a gift or a loan?
The livelihood benefit starts as a loan. At the end of the year, it is determined whether it becomes a gift or whether you must repay (part of) it, depending on your income.
Can I apply for Bbz as a starting entrepreneur?
Yes, within 36 months after starting your business, you can apply for Bbz in Rijswijk, provided you have a convincing and viable business plan.
What does a 'viable' business mean?
A business is viable if it can generate sufficient income in the short term to provide for your livelihood.
Additional questions about Bbz
How high is the Bbz livelihood benefit?
The benefit supplements your income to the social minimum, depending on your situation (e.g., single or with partner). The amount corresponds to the welfare norm in Rijswijk. It starts as a loan and may later be converted into a gift, depending on your annual income.
What if I have received too much Bbz?
At the end of the year, the municipality calculates whether you were entitled to the amount received. In case of an excess, you must repay the surplus, possibly in installments. Report income changes immediately to avoid problems.
Can I get Bbz in case of loss in my business?
Yes, provided your business is viable and can generate sufficient income in the long term. You must demonstrate this with a business plan or financial forecast. In case of permanent loss without prospects, Bbz is often not granted.
How long does a Bbz application take in Rijswijk?
The municipality has 8 weeks to process your application, but this may take longer if additional information is needed. Submit all documents (such as forecasts and annual accounts) immediately to avoid delays. In urgent cases, a decision can sometimes be made faster.
Do I have to stop my business for Bbz?
No, Bbz is intended to support self-employed individuals with temporary problems, provided the business remains viable. For those aged 55 and over who wish to cease operations, the IOAZ scheme is an alternative.
Can Bbz be combined with other support?
Yes, Bbz can sometimes be combined with allowances such as rent or healthcare allowance. However, Bbz income counts towards other benefits. Consult the Municipality of Rijswijk or the relevant authority to avoid misunderstandings.
What are the tax implications of Bbz?
The Bbz livelihood benefit may affect your tax return. Contact an advisor or the Tax Authorities for specific information about your situation.