Small business regulation alongside main job/AK?
Hello,
I am currently completing my final year of recognition/professional internship in my teacher training.
I would like to earn some extra money (eBay shop) and would like to register a small business, as this is easier for me to start with.
Now I'm not sure exactly what to do with my health insurance. I have statutory family insurance. What do I need to do to ensure I stay covered?
And what else do I have to pay attention to
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Hello Ceyocing,
Since the question comes very often, you will find my "Standard Text" below. 😊🙏
Ask for your health insurance, decide whether it is a full-time or part-time, or, depending on how much you earn, AOK will be charged up to EUR 538 per month as free.
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Search You have a good software that allows you to automatically create invoices and collect invoices in the accounting software.
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Look very closely at all the legal matters, ie imprint, retrieval, return conditions, etc. there may be no mistakes in it, as with Ebay / Amazon some entrepreneurs like to send out warnings to the competition. 🙏
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An Individual undertaking / GbR can be registered with the Commercial Office. (not required for freelancers)
Then you have to submit the "Question sheet for tax collection" for the tax office, which applies to all legal forms. The form can be found on the Elster website, which can be done directly 1 day after the registration in the Commercial Office. No more letters will be sent. Only after you get your commercial tax number, you need to write bills. In the questionnaire, you can also apply for the "small contractor scheme" if you remain below EUR 22,000. You can then book all your documents and invoices without VAT.
If you start a secondary job, you need to inform your employer about your job, but you can't say no as long as you don't get tired of working or go into competition.
It is highly recommended to open a commercial account, even if it is not a duty for individual companies / GbRs.
Your health insurance status changes from "legally insured" to "private or voluntary legal" only then, if you earn more than 538 EUR/month in business, or if you work more than 20 hours a week in business. As long as you lie below and continue to work as an employee, everything remains unchanged. If the insurance status changes, I recommend that you voluntarily insure yourself by law. (The private health insurance is very cheap in young years but extremely expensive in old age. A colleague now pays EUR 2000 per month, where he has become 70 years.)
After the foundation, the IHK (or HWK), the GEZ, the professional association, where you may need to register.
As an individual entrepreneur, GbR, Freelancer, you are obliged to "simplify accounting" that includes a list of all your revenues and all expenses. This can be done by hand in a cash register, or better professional with an accounting software such as Sevdesk or Lexware.
Note that you need to issue legally compliant invoices (or receipts up to EUR 250): https://qonto.com/en/blog/business/invoicing/quittung- or-invoicing-small entrepreneur
When No With an accounting software it is much easier to send the sales tax pre-registration (UStVA) directly from the software to the tax office. Usually, up to the 10th day of the following month, UStVA has to be sent to the tax office, otherwise imminent fines. 🙏 For quarterly levies, for example, UStVA has to be released by April 10 for (Jan+Feb+Mrz).
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You pay the profit you pay with the EÜR – Revenue statement to be determined. Total revenue minus the sum of all operating costs = your profit. How much tax to pay depends on how much you earned in total all your income: so the sum of employee ratio + business + other. With the help of Income tax you can calculate your tax burden, enter the total amount of all income, eg 40 thousand, and compare your tax burden with your employee salary, eg 30 thousand – so you can point out what is about you.
If you also have to pay commercial tax because the profit is >24,500 EUR, the trade tax becomes the large part deducted from your income tax, so you don't pay twice.
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At the end of each year you have to Elster send the following statements to the tax office: (even if you had no profits)
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Exemptions:
Thanks a normal answer 👍
You're welcome & successful! 😊
… it is part of the modern spirit of time: everyone is sneaking over everyone … 😉🙏
Welcome to the year 2024 😂
You should better move the start into self-employment and retrieve what you have missed so far.
Unfortunately, these are nothing but non-binding declarations of intent that do not bring you further.
You want to earn money as an independent entrepreneur with your own eBay shop.
What can you do better, faster or cheaper than other eBay shops?
You can also use a mini job (EUR 520 per month)
A company acts profit-oriented.
The small-scale contractor scheme according to § 19 of the VAT Act cannot replace entrepreneurial thinking and action.
You write:
….Small business register as this is easier for me to start
At the end of the day, what seems simpler for you at the beginning is often less than expensive convenience errors.
For example:
You earn €6,000 from September to December.
This is a cut of €1,500 per month.
Up to the whole year, that would be – fictionally expected – €18,000.
The financial annual amount is therefore below the sales limit of €2,000 . You therefore meet the requirement for the small business organization!
Suppose you have a monthly turnover of €1,500. Then you would have to deduct €240.
The small-scale entrepreneurial system dispenses with the VAT pre-registration.
Less effort and additional €240 saved!
As far as theory. In practice, however, expenditure (costs) is compared with revenue (conversion).
As an online retailer you have some operating costs
For all these items, you yourself have paid VAT (7% and 19%), which you could have reimbursed by the tax office. Whether you've sold something or not.
However, the small business management system also brings further disadvantages to the trader.
You can't hide your pet business status. This means. Each manufacturer or wholesaler knows your maximum turnover. No favorable position for price negotiations and volume discounts.
My personal opinion is:
You're a trainee. Maybe you should first focus on the successful completion of your vocational training.
To make you some money, there are simpler ways.
The small-scale entrepreneurship scheme does not release you from your duties as an entrepreneur who wants to do business with consumers.
As a small business operator, you do not have to create a sales tax pre-registration, but only one VAT Annual Declaration transmit.
This means: The documents must nevertheless be carefully processed and kept.
How do you know that there is a high demand for your product.
How do you order goods on terms to be able to exist against other traders?
Earnings of money ends. At the beginning there is a sustainable concept, as well as sound basic knowledge.
I've been selling on Ebay for years. I know myself well enough and know what I do and sold to ebay last year and earned me 500€ per month;) now after the shed I want to go through the whole longer.
Your comment is contradictory and unfortunately not comprehensible
If you've been selling on eBay for years, this will include last year and not have to be mentioned extra.
If you've known yourself well for years, and know what you're doing, you'd be able to describe what you're doing or plan.
You say:
sold to ebay last year and earned me 500€ monthly
The user KleverNRW, as well as the expert Gandalf AwA, have called this amount in their statements.
You believe in coincidences – I don't!
What does that mean? "In the last year 500 EUR worth it" – and what?
Tip: The formula for profit is:
Profit = income (conversion) – expenditure (costs)
With what you made your sales so that after deducting the costs you could have left a profit of 500,- EUR.
Suppose your margin is 25%. Then you need a turnover of 2,000 EUR to make a profit of 500 EUR.
now after the dandruff I want to go through the whole longer.
Is it time to sniff in a few years and make a sustainable business together?
And if you intend to go through the whole thing, you have to ask yourself: what have you gone through so far?
You have operated commercial but unregistered online trading.
You have violated both tax laws and consumer law.
To earn 500,- EUR by the way is not as easy as you imagine.
It is essential more efficient than repeating questions to also deal with the information received.
I also only used the shop with products. The right texts etc. have been set by him. Exactly such invoices etc
I have opened an ebay store via a buddy who sells Amazon (commercially, of course, Mr. Ninemal Klug :))))
I'm not that stupid to do that behind the state.
Yeah, I'm talking about profit. 500 € – I don't know what you're thinking. Do you write here with a ten-year-old?
Just stay normal. And if you can't, find other questions to answer.
You'd better explain it with your health insurance. There is a limit for income (winning) of approx. 500 euros per month, which probably comes to bear here. The decisive factor in a trade is the first tax ruling, but it is not the case at the beginning. This is based on estimates. Then there are still playgrounds such as permanently above the border or on average above the border.
You can simply google the boundaries for family insurance with the keywords you mentioned.
It is important that you register a business (no small business, no secondary business, etc.) and, within four weeks, electronically transmit the questionnaire for tax collection to the tax office responsible for you. If you do not have ELSTER access, you can apply for it now.
Contact the local tax office and book a consultation. In addition to all necessary documents, you will also receive a lot of information there and can ask all your questions that will be answered competently in the current situation 🙂
Best regards, MaMaStef 💜
The tax office is not responsible for the health insurance issues and will not provide any information here.
Not at all, but the advice there is really very extensive in any case according to my experience. I still have legal/family insurance with my small business. What the nice gentleman said to me at the time. That was also one of my big questions 😉
I'd go with you.
That's bullshit.
Maybe it's your experience.
However, this does not make it right for a long time and does not change the fact that financial officers are not allowed to carry out tax advice (there are exceptions and this is more related to close relatives!).
There is no tax advisor in vain.
This has nothing to do with "holding up" once. Or do you ask your butcher for ingredients from Brötchen? In the tax office, professionals are seated for taxes and not for health insurance. How do you know how the findings of the colleague are and how old? What seems kind to you is not competent and simply not allowed to the colleague.
You owe me your answer to the small business.
The fact that a joint complaint with spouses takes place and that a corresponding statement of income must take place. The tax return can no longer be settled via associations and other costs can be settled via the trade.
Nothing is more strenuous than people who carry the chicken "I am not competent" quite large as a banner.
Your professional experience in all honors and it's completely fine if you stay clearly in your little field, there are actually people who look a bit over the edge of the plate. My requests to the authorities/emphasis regarding my questions revealed that the advice of my competent expert at the tax office was very good and that I spoke exactly about this experience.
I've been working in the club for over thirty years, conducting several start-up consultations a week, I think I know exactly what I'm talking about. Otherwise, I would like to let myself know if you send me a link from a tax law, which contradicts my presentation.
Uh, of course, this has something to do with tax law. How do you think that this is not the case 😅
Then he may have misadvised you, because a small business is neither in tax law nor in commercial law. You will not have been given any information about the insurance companies, as the tax office is not responsible for this.
As long as your acquisition is not your main source of money, you will stay in family insurance