[{"id":317250,"date":"2024-11-13T10:12:27","date_gmt":"2024-11-13T08:12:27","guid":{"rendered":"http:\/\/localhost:10586\/education\/starting-a-business-when-starting-your-entrepreneurship-venture-remember-these\/"},"modified":"2026-02-06T13:38:32","modified_gmt":"2026-02-06T11:38:32","slug":"starting-a-business-when-starting-your-entrepreneurship-venture-remember-these","status":"publish","type":"education","link":"https:\/\/ukko.fi\/en\/entrepreneurship-school\/starting-a-business-when-starting-your-entrepreneurship-venture-remember-these\/","title":{"rendered":"Starting a business: when starting your entrepreneurship venture, remember these!"},"content":{"rendered":"<p>Starting a business and becoming an entrepreneur can be quickly done online, but the road to entrepreneurship is not necessarily easy. In addition to a good business idea, starting a business requires many legal obligations and things to be considered before you can begin. In this article, we go through all the steps of setting up a business, from the business plan to choosing a name and filling in the right forms!<\/p>\n<p><!--more--><\/p>\n<h2>Steps to start a business &#8211; Click on the item you want to read more about in the list!<\/h2>\n<ol>\n<li><a href=\"#yrityksenperustaminen-liikeidea\">Define the business idea<\/a><\/li>\n<li><a href=\"#yrityksenperustaminen-liiketoimintasuunnitelma\">Draw up a business plan<\/a><\/li>\n<li><a href=\"#yrityksenperustaminen-yritysmuoto\">Choose your business type<\/a><\/li>\n<li><a href=\"#yrityksenperustaminen-yrityksen-nimi\">Choose a name for your business<\/a><\/li>\n<li><a href=\"#yrityksenperustaminen-luvanvaraisuus\">Find out if the activity is subject to authorisation<\/a><\/li>\n<li><a href=\"#yrityksenperustaminen-vakuutukset\">Get your insurance in order<\/a><\/li>\n<li><a href=\"#yrityksenperustaminen-rahoitus\">Get your finances in order<\/a><\/li>\n<li><a href=\"#yrityksenperustaminen-perustamisilmoitus\">Register your company<\/a><\/li>\n<li><a href=\"#yrityksenperustaminen-pankkitili\">Open a bank account for your company<\/a><\/li>\n<li><a href=\"#yrityksenperustaminen-kirjanpitaja\">Get an accountant<\/a><\/li>\n<li><a href=\"#yrityksenperustaminen-laskutusohjelmat\">Get billing software<\/a><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">After setting up a business<\/span>,<span style=\"font-weight: 400;\"> remember to<\/span> <a href=\"https:\/\/ukko.fi\/yrittajyyskoulu\/mika-ihmeen-arvonlisavero\/\" target=\"_blank\" rel=\"noopener\">pay VAT<\/a>, <a href=\"https:\/\/ukko.fi\/yrittajyyskoulu\/ennakkovero-miten-toiminimea-verotetaan\/\">input tax<\/a> and file tax returns.<\/p>\n<h2>The easiest way to start a business is doing it online<\/h2>\n<p>Here are three ways to make it easier and skip steps 6 (insurance), 8 (registering your business), 10 (getting an accountant) and 11 (getting an invoicing program) in the list above. After these tips the article continues with a comprehensive description of the steps involved in setting up a business.<\/p>\n<h3><strong>Option 1: Invoice as a light entrepreneur (without a business ID)<\/strong><\/h3>\n<p><a href=\"https:\/\/ukko.fi\/kevytyrittajyys\/\">he As an UKKO Light Entrepreneur<\/a> you don&#8217;t need a business ID and can start working as soon as today. You do the work, decide on your pricing and send the invoices, we at UKKO.fi take care of the paperwork for you. <a href=\"https:\/\/ukko.fi\/yrittajyyskoulu\/yrittajaksi-vai-kevytyrittajaksi\/\" target=\"_blank\" rel=\"noopener\">Test your business idea first as a UKKO Light Entrepreneur!<\/a><\/p>\n<ul>\n<li>You don&#8217;t need a business ID or accounting<\/li>\n<li>You are insured with UKKO Assurance (Accident and Liability Insurance)<\/li>\n<li>The most carefree way to try entrepreneurship<\/li>\n<\/ul>\n<h3><strong>Option 2: Set up a light business (own business name)<\/strong><\/h3>\n<p>With <a href=\"https:\/\/ukko.fi\/kevytyritys\/\">UKKO Light Entrepreneur with business ID<\/a>, you can get your own business ID number for free and benefit from the tax advantages of registered entrepreneurship. We take care of the paperwork and you can focus on getting your work done.<\/p>\n<ul>\n<li>Free <a href=\"https:\/\/ukko.fi\/toiminimiyrittajyys\/y-tunnus\/\">business ID<\/a><\/li>\n<li>You are insured with UKKO Assurance (Accident and Liability Insurance)<\/li>\n<li>Possibility for start-up grant, VAT relief and entrepreneurial tax deduction<\/li>\n<\/ul>\n<h3><strong>Option 3: Start a business<\/strong><\/h3>\n<p>In UKKO Entrepreneur, <a href=\"https:\/\/ukko.fi\/toiminimen-perustaminen\/\">setting up a business<\/a> is easy and you can get a business ID immediately. We also provide support in accounting and financial management by offering a tailor-made accounting service for business owners. All you need to do is fill in the necessary information on the form to set up your new business. Through UKKO Entrepreneur, you can get your private trader business ID free of charge, and you don&#8217;t have to worry about registration fees that may sometimes come as a surprise.<\/p>\n<h4>A few easy steps and you&#8217;re set with setting up your business!<\/h4>\n<p>Fill in <a href=\"https:\/\/uusi.ukkopro.fi\/registration\">this form<\/a> and we&#8217;ll do the rest.<\/p>\n<ul>\n<li>The form knows to ask you for all the information needed to set up a business: the sector of your business, and basic information about the entrepreneur, such as name, address, social security number, etc.<\/li>\n<li>You must be <strong>at least 18 years old<\/strong><a href=\"https:\/\/ukko.fi\/yrittajyyskoulu\/yrityksen-perustaminen\/\">to set up a business<\/a> and obtain a Y-registration through us. To identify yourself, you will need <strong>an online banking ID or a mobile certificate.<\/strong><\/li>\n<li>When registering, you also have the opportunity to obtain pension insurance for self-employed, or <strong>YEL insurance,<\/strong> through us.<\/li>\n<\/ul>\n<h3>To the Trade Register or not?<\/h3>\n<p>The easiest way is to register only with the tax administration when setting up a business. Another way is to register with both the Tax Administration and the Trade Register. You have to register with <a href=\"https:\/\/ukko.fi\/yrittajyyskoulu\/kaupparekisteri-ja-sen-merkitys-yrittajalle\/\" target=\"_blank\" rel=\"noopener\">the Trade Register<\/a> if you are carrying out an activity that requires a license, if you have separate business premises, if you employ someone outside the family or if you want to protect the name of the company.<\/p>\n<p><strong>You can also register with the Trade Register after you have received your business ID number. <\/strong>In this case, a change notification is made in the YTJ service. The electronic declaration in the Trade Register costs 60 euros and the paper form 115 euros (2022).<\/p>\n<p><strong>However, if you want to do things the long way around, you can proceed as follows:<\/strong><\/p>\n<h3><strong>Option 4: Do things the hard way.<\/strong><\/h3>\n<ul>\n<li>Set up a business name in the YTJ service run by the Tax Administration and the PRH, when the cost of joining the Trade Register will be <strong>60 euros<\/strong> (2022).<\/li>\n<li>Get set up on paper with a confusing Y3 form. You&#8217;re prepared to pay <strong>115 euros<\/strong> (2022) to join the Trade Register and settle for the <strong>long processing times.<\/strong><\/li>\n<li>With an existing business ID number, you can apply to join the Trade Register by submitting a change notification in the YTJ service. The cost of registering with the Trade Register is 60 euros online and 115 euros with a paper form.<\/li>\n<\/ul>\n<p><strong>But the easiest way to get started is to start your business <a href=\"https:\/\/ukko.fi\/\">via UKKO.fi<\/a>!<\/strong><\/p>\n<h2>Starting a business &#8211; A comprehensive guide<\/h2>\n<p>There is much more to setting up a business than just getting a business ID. In the next section, we&#8217;ll take a comprehensive look at everything you need to know about setting up a business.<\/p>\n<h2>1. Start by defining your business idea before starting your business<a id=\"yrityksenperustaminen-liikeidea\"><\/a><\/h2>\n<p><span style=\"font-weight: 400;\">Thinking about becoming an entrepreneur <\/span><span style=\"font-weight: 400;\">and starting a business<\/span> usually starts when you have <a href=\"https:\/\/ukko.fi\/yrittajyyskoulu\/liikeideasta-kannattavaa-liiketoimintaa\/\">a business idea<\/a> in mind that you want to realize. Not all ideas are worth pursuing, so you need to think about your business idea from many different angles. As competition is fierce these days, a business should have some trump cards that will make it more successful than its competitors. These are worth considering. Could your company offer something that your competitors have not thought of? Sometimes you can also stand out from the crowd with your image. So it&#8217;s worth thinking about your image and developing it over time. Of course, good quality products and services are also things that customers value.<\/p>\n<h2>2. A good business plan goes a long way<a id=\"yrityksenperustaminen-liiketoimintasuunnitelma\"><\/a><\/h2>\n<p>grantStarting a business requires planning. You need to think about <a href=\"https:\/\/ukko.fi\/yrittajyyskoulu\/mita-yrittajyys-vaatii\/\" target=\"_blank\" rel=\"noopener\">your own abilities as an entrepreneur<\/a> and, of course, the potential of the business you want to set up. The <span style=\"font-weight: 400;\">very first step <\/span><span style=\"font-weight: 400;\">before starting a business<\/span> is to think about the business idea and the business concept. The mission statement is about describing the framework within which the business exists. <a href=\"https:\/\/ukko.fi\/yrittajyyskoulu\/liikeideasta-kannattavaa-liiketoimintaa\/\">The business idea<\/a>, on the other hand, describes how the company intends to carry out the activities set out in its mission statement. These ideas will gradually develop into a business plan to structure and plan the viability of the business. <a href=\"https:\/\/ukko.fi\/yrittajyyskoulu\/liiketoimintasuunnitelma-pohjana-toiminnan-aloittamiselle\/\">A business plan<\/a> is also required as an annex if the entrepreneur intends to apply for <a href=\"https:\/\/ukko.fi\/yrittajyyskoulu\/starttiraha\/\" target=\"_blank\" rel=\"noopener\">start-up grant for<\/a> new entrepreneurs from the Office for Employment and the Economy.<\/p>\n<p><img decoding=\"async\" class=\"alignnone wp-image-192706 size-full\" src=\"http:\/\/ukko.fi\/wp-content\/uploads\/2025\/10\/yrityksen-perustaminen-vaihe-vaiheelta-mies-kirjoittaa-muistilapuille.jpg\" alt=\"Stages of starting a business. Man writes on a notepad\" width=\"1000\" height=\"563\" \/><\/p>\n<p>A good <a href=\"https:\/\/ukko.fi\/yrittajyyskoulu\/liiketoimintasuunnitelma-pohjana-toiminnan-aloittamiselle\/\" target=\"_blank\" rel=\"noopener\">business plan<\/a> should include at least a description of the business idea, the products to be sold, the target groups, the market, a financial plan and profitability calculations. It should also explain the arrangements needed to set up the business, such as premises, equipment, tools and other purchases. Good planning is at least half the battle. Profitability calculations include, among other things<\/p>\n<ul>\n<li>fixed and variable costs,<\/li>\n<li>product pricing and cost structure,<\/li>\n<li>how much sales are needed,<\/li>\n<li>when a critical point is reached.<\/li>\n<\/ul>\n<p>Planning support is available, for example, at entrepreneurship courses, but also by asking <a href=\"https:\/\/www.te-palvelut.fi\/te\/fi\/tyonhakijalle\/nuoret\/yrittajaksi\/index.html\" target=\"_blank\" rel=\"noopener\">the Employment and Economic Development Office<\/a> directly. There is also a wealth of information and links on <a href=\"https:\/\/www.suomi.fi\/yritykselle\" target=\"_blank\" rel=\"noopener\">the Suomi.fi website<\/a>, run by the Finnish National Digital and Population Data Agency, for those who want to become entrepreneurs.<\/p>\n<h2>3. Choose the company form before registering<a id=\"yrityksenperustaminen-yritysmuoto\"><\/a><\/h2>\n<p><strong>The choice of company form is worth looking into, as it affects, among other things, start-up costs, accounting obligations, company decision-making and the difficulty of ending the business operations.<\/strong><\/p>\n<p>The type of business is one of the first things to decide <span style=\"font-weight: 400;\">when <\/span><span style=\"font-weight: 400;\">starting out as an entrepreneur<\/span>. Each form of business has its advantages and disadvantages, which need to be weighed before deciding on the form of business. A prospective entrepreneur must choose the most suitable form of business for their own business from a list of five options. The main types of company are a <a href=\"https:\/\/ukko.fi\/yrittajyyskoulu\/yksityinen-elinkeinonharjoittaja\/\">private trader,<\/a> a limited liability company, a general partnership, a limited partnership and a cooperative. In addition to these, a new entrepreneurial model is the <a href=\"https:\/\/ukko.fi\/kevytyrittajyys\/\">light entrepreneur<\/a>, which does not require a business ID number. It is therefore not formally a business form, but it makes it easy to start an entrepreneurial activity without having to set up your own business. <span style=\"font-weight: 400;\">If you are interested in the different forms of business start-up, read more here: <\/span><a href=\"https:\/\/ukko.fi\/yrittajyyskoulu\/yritysmuodot\/\">Comparison of business forms<\/a> <span style=\"font-weight: 400;\">If you are interested in the cost of starting a business and how much it costs to start a business, read more here: <\/span><a href=\"https:\/\/ukko.fi\/yrittajyyskoulu\/mita-yrityksen-perustaminen-maksaa\/\">Cost of starting a business<\/a><\/p>\n<h2>4. Choosing a company name is an important step<a id=\"yrityksenperustaminen-yrityksen-nimi\"><\/a><\/h2>\n<p><strong>The company is remembered by its name<\/strong>. That&#8217;s why it&#8217;s a good idea to choose a <a href=\"https:\/\/ukko.fi\/yrittajyyskoulu\/yrityksen-nimi\/\">company name<\/a> that is easy to remember for your customers, contractors and partners. The name should reflect something of the company&#8217;s sector, although this is not compulsory. However, the name should not be limited to the sector of activity alone, but should also include, for example, the name of a place. It is easy for a business name entrepreneur to make up a name based on their own name. In this way, the company and the person are conveniently linked. However, it is also possible to choose a name for a business name that has nothing to do with the entrepreneur&#8217;s name. For large companies, it is important to invest time and thought in a memorable name. If the name is easily lost among others, customers will not find or remember it. It is therefore recommended that the name should be even a little playful or cheeky. Before the chosen name can be used by the company, it must be approved by <strong>the Trade Register.<\/strong> This is because no two companies with the same name can operate in Finland.<\/p>\n<p><img decoding=\"async\" class=\"alignnone wp-image-192822 size-full\" src=\"http:\/\/ukko.fi\/wp-content\/uploads\/2025\/10\/yrityksen-perustaminen-vaihe-vaiheelta-nainen-mietiskelee-tietokoneen-aarella.jpg\" alt=\"Stages of starting a business. Woman meditating at the computer\" width=\"1000\" height=\"666\" \/><\/p>\n<p>The Business Name Law specifies that the name must identify the holder of the name. The name cannot therefore be, for example, a mere word describing the nature of an activity, a mere verb, a commonplace word or a common first or surname. These may of course be included in the name of the company, but the name must be accompanied by other elements. Similarly, domain extensions such as .fi or .com are not unique names and are not accepted as such. In addition, a protected name may never be used in a business name. If a person or company has patented a name that is known internationally or nationally, the patent protects the name and others cannot use it for their own business. The Patent and Registration Office will check that the name complies with the regulations before it can be approved. Furthermore, there must not be another company with the same name in Finland. If there is already a company registered under the same name, a new name must be invented. The name chosen will only be confirmed by the Trade Register after it has been verified that the name is valid and that there is no other company with the same name in operation. Once the name is confirmed, the company has <strong>exclusive rights to<\/strong> it in Finland. For more information on how to choose a business name and how to check the background, please <a href=\"https:\/\/www.prh.fi\/fi\/index.html\" target=\"_blank\" rel=\"noopener\">visit the website of the Patent and Registrations Office.<\/a><\/p>\n<h2>5. Find out if the activity is subject to license<a id=\"yrityksenperustaminen-luvanvaraisuus\"><\/a><\/h2>\n<p><strong>Sometimes a license may be required to operate a business. There are three different types of licenses in Finland. <\/strong><\/p>\n<p>In general, you do not need a separate license to carry out an activity, but you do need a licence <a href=\"https:\/\/ukko.fi\/yrittajyyskoulu\/sivutoiminen-taksiyrittajyys-miten-alkuun\/\" target=\"_blank\" rel=\"noopener\">to become a taxi driver,<\/a> for example. Setting up a business requires familiarity with the law, so before you start, you need to find out <strong>whether you need a license<\/strong> and where you can apply for the necessary permits from the authorities to start your business, if necessary. If the business is not yet in operation, a health inspector&#8217;s approval or an environmental permit may be required to start the business. In addition, there are other types of business in Finland that are subject to notification. There are three types of permits for setting up a business:<\/p>\n<ul>\n<li>health inspector&#8217;s approval or environmental permit for the premises where the operations are carried out<\/li>\n<li>professional requirements and licenses<\/li>\n<li>the exercise of the trade or profession is subject to license<\/li>\n<\/ul>\n<p>Environmental permits are required for activities such as forestry, metallurgy, chemicals, energy production, storage, treatment and use of chemicals or fuels, and wastewater treatment. <strong>The following activities are subject to authorisation<\/strong>: grocery, many health care activities, restaurants and caf\u00e9s, car inspection and repair, postal services, telecommunications, credit and investment services, insurance, beauty and health, debt collection, passenger and goods transport. In the care sector, licensing applies to both municipal and private enterprises. Before setting up a business, it is necessary to find out whether its activities require any licenses or notifications. These must be in place before the business can be started.<\/p>\n<p><a href=\"https:\/\/ukko.fi\/yrittajyyskoulu\/luvanvaraiset-toimialat\/\">Read more about starting an activity subject to authorisation<\/a><\/p>\n<h2>6. Registering a business &#8211; setting up a business in practice<a id=\"yrityksenperustaminen-perustamisilmoitus\"><\/a><\/h2>\n<h3>Notification of the creation of a company<\/h3>\n<p>The business is started by filing a declaration of incorporation. Usually, the company is also registered <a href=\"https:\/\/ukko.fi\/yrittajyyskoulu\/kaupparekisteri-ja-sen-merkitys-yrittajalle\/\">in the Trade Register.<\/a> However, self-employed persons do not have to register with the Trade Register if the activity does not require a licence, if there is no separate business premises or if there are no non-family members on the payroll. With the start-up declaration, you can also register with the Tax Administration&#8217;s registers, such as <a href=\"https:\/\/ukko.fi\/yrittajyyskoulu\/alv-rekisteri\/\">the Register of Value Added Taxpayers<\/a>, the <a href=\"https:\/\/ukko.fi\/yrittajyyskoulu\/ennakkoperintarekisteri\/\">Prepayment Register<\/a> and the Register of Employers. For each type of company, a <strong>notification of incorporation<\/strong> must therefore be submitted. Depending on the type of company and the way in which it operates, the declaration is made either only to the tax authorities or, alternatively, to both the Trade Register and the tax authorities. The incorporation form and instructions for filling it in can be found <a href=\"https:\/\/ytj.fi\/en\/index.html\" target=\"_blank\" rel=\"noopener\">on the website of the<\/a> Enterprise and Community Information System ( YTJ).<\/p>\n<p><img decoding=\"async\" class=\"alignnone wp-image-192710 size-full\" src=\"http:\/\/ukko.fi\/wp-content\/uploads\/2025\/10\/yrityksen-perustaminen-vaihe-vaiheelta-nainen-ja-mies-tyoskentelevat-tietokoneella.jpg\" alt=\"Stages of starting a business. Woman and man working on a computer\" width=\"1000\" height=\"667\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Starting a business <\/span><span style=\"font-weight: 400;\">and becoming an entrepreneur<\/span> online is often cheaper than doing it on paper. However, not all forms of business can be set up electronically. You can register a business name electronically with the Tax Administration and the Trade Register maintained by the Finnish Patent and Registration Office. The costs of electronic registration are low and the registration can even take effect on the same day. In the case of a limited partnership, general partnership or limited liability company, on the other hand, registration can only be carried out using a paper form. However, if the capital of a limited liability company is zero euros, it can also be registered electronically.<\/p>\n<h3>The constituent documents must be in order<\/h3>\n<p>For all but the private trader, annexes are required to support the declaration of incorporation. The registration of general partnerships and limited partnerships requires a memorandum and articles of association. A limited company also requires a memorandum and articles of association. <a href=\"https:\/\/ukko.fi\/toiminimen-perustaminen\/\">The founder of a private trader <\/a>does not need to file any incorporation documents but simply needs to notify the Tax Administration or the Trade Register. For the other types of company, however, incorporation documents must be drawn up, including <strong>the memorandum<\/strong> and articles of association for general and limited partnerships and the <strong>memorandum of association<\/strong>,<strong> articles of association<\/strong> and <strong>minutes of the board meeting at which the chairman is elected for<\/strong> limited companies. In the case of a co-operative, it is necessary to draw up the statutes of the co-operative, write the instrument of incorporation and draw up minutes of the board meeting. The above-mentioned founding documents may also be necessary for a new company to obtain financing, as, for example, the application for <a href=\"https:\/\/ukko.fi\/yrittajyyskoulu\/starttiraha\/\">start-up grant<\/a> requires a well-thought-out business activity, although <strong>registration cannot take place before the aid is granted<\/strong>. <span style=\"font-weight: 400;\">Light entrepreneurs are not eligible for start-up grant, but in principle, being a light entrepreneur does not prevent you from applying for start-up grant later on<\/span> <span style=\"font-weight: 400;\">when it comes to setting up your own business<\/span> and <span style=\"font-weight: 400;\">starting your own entrepreneurship<\/span>. The documents described above must also be available to obtain many business loans.<\/p>\n<h3>Where can I get help to start a business?<\/h3>\n<ul>\n<li><a href=\"https:\/\/uusyrityskeskus.fi\/en\/homepage\/\" target=\"_blank\" rel=\"noopener\">New Business Centres<\/a><\/li>\n<li><a href=\"http:\/\/www.te-palvelut.fi\/te\/fi\/index.html\" target=\"_blank\" rel=\"noopener\">TE Offices<\/a><\/li>\n<li><a href=\"https:\/\/www.suomi.fi\/yritykselle\" target=\"_blank\" rel=\"noopener\">From the Enterprise Finland website of the Ministry of Economic Affairs and Employment<\/a><\/li>\n<li><a href=\"https:\/\/www.ely-keskus.fi\/en\/web\/ely-en\">From the ELY Centre<\/a><\/li>\n<\/ul>\n<h2>7. Business funding enables investment<a id=\"yrityksenperustaminen-rahoitus\"><\/a><\/h2>\n<p><strong>Starting a business requires initial capital, so you need to think about how much money you need and how you will arrange to get it. If the business idea requires a lot of investment, the future entrepreneur themself may not be able to invest all the money needed in the business. In this case, external funding is needed. <\/strong><\/p>\n<p>Businesses are almost never financed solely with their own money. As a start-up entrepreneur, you should find out what grants are available to you. In many cases, you may need a start-up grant or loaned money, for example, to start a business. You can apply for a business loan from a bank or <a href=\"https:\/\/www.finnvera.fi\/eng\" target=\"_blank\" rel=\"noopener\">Finnvera<\/a>, or from private investors, so-called business angels. The TE Office can provide a <a href=\"https:\/\/ukko.fi\/yrittajyyskoulu\/starttiraha\/\">start-up grant<\/a>, which is intended to help entrepreneurs secure their livelihood during the start-up phase. <strong>You must apply for start-up grant before you register your new business<\/strong>. The start-up grant helps the fledgling entrepreneur to survive financially until the business starts to make a profit. To qualify for the start-up grant, you need a well-developed <a href=\"https:\/\/ukko.fi\/yrittajyyskoulu\/liiketoimintasuunnitelma-pohjana-toiminnan-aloittamiselle\/\">business plan<\/a> and evidence that the business will succeed in the market. Start-up grant is available for a minimum of six months from the start of the business. At the most, you can get up to a year&#8217;s start-up grant. Start-up grant is taxable income.<\/p>\n<p><img decoding=\"async\" class=\"alignnone wp-image-51762 size-full\" src=\"http:\/\/ukko.fi\/wp-content\/uploads\/2025\/10\/yrityksen-rahoitus-yritysta-perustettaessa.jpg\" alt=\"Funding for starting a business. Women negotiating\" width=\"1000\" height=\"667\" \/><\/p>\n<p style=\"text-align: center;\"><em>A new business, especially in investment-intensive sectors, often starts with a loss for about two years before making a profit.<\/em><\/p>\n<p>It is possible to apply for a loan to start a business. You can apply for a loan either through online loan services, directly from a bank, or from financial institutions that grant business loans. The quickest way to apply for a loan is directly online. In the best case, a decision can be taken immediately and even the loan can be paid into the applicant&#8217;s account within the same day.<\/p>\n<p><a href=\"https:\/\/ukko.fi\/yrittajyyskoulu\/yrityksen-perustamisen-rahoitus-miten-hankin\/\">Starting a business &#8211; Financing your business<\/a><\/p>\n<h2>8. Business insurance is determined by the sector of activity<a id=\"yrityksenperustaminen-vakuutukset\"><\/a><\/h2>\n<p><strong>Both the entrepreneur and the business need different types of insurance. They can create a sense of security and provide a backup. <\/strong><\/p>\n<p>It&#8217;s smart to carefully look into the insurance policies available to businesses and entrepreneurs. Entrepreneur and business insurance is divided into compulsory and voluntary insurance. The need for insurance depends very much on the sector in which the business operates. For example, someone who wants to <a href=\"https:\/\/ukko.fi\/yrittajyyskoulu\/yrittajaksi-rakennusalalle-mita-kannattaa-ottaa-huomioon\/\">be self-employed in the construction sector<\/a> will need more comprehensive insurance than, say, a hairdresser. In many cases, there is only one compulsory insurance for self-employed people, and that is the self-employed person&#8217;s pension insurance, YEL. It is the entrepreneur&#8217;s way of protecting the pension he or she receives. As a self-employed person is working for themself, the pension does not accrue in the same way as for employees. By the law, self-employed persons must take out <a href=\"https:\/\/ukko.fi\/yrittajyyskoulu\/mika-ihmeen-yel\/\">self-employed pension insurance, known as YEL<\/a>, which usually costs out around 24% of the entrepreneur&#8217;s declared income. However, depending on the sector, entrepreneurs may have other compulsory insurances. It is a good idea to check these as well. Farmers need a separate pension insurance specifically for farmers. Grantees also need their own pension insurance. Patient insurance is compulsory if the business provides care for patients. Environmental damage insurance is compulsory in sectors where the risk of environmental damage is higher than normal. Motor insurance is required if the company owns cars.<\/p>\n<p><img decoding=\"async\" class=\"alignnone wp-image-192839 size-full\" src=\"http:\/\/ukko.fi\/wp-content\/uploads\/2025\/10\/yrityksen-perustaminen-vaihe-vaiheelta-tyonantaja-kattelee-tyontekijaa.jpg\" alt=\"Stages of starting a business. Employer shakes hands with employee\" width=\"1000\" height=\"667\" \/><\/p>\n<p style=\"text-align: center;\"><em>If the company employs workers, you must take out employee pension insurance and accident insurance.<\/em><\/p>\n<p>If you hire employees, you will need to provide them with statutory employer insurance, such as <strong>TyEL, or occupational pension insurance<\/strong> and <strong>Work accident insurance<\/strong>. Sen lis\u00e4ksi ty\u00f6ntekij\u00f6ille voi ottaa ty\u00f6ntekij\u00f6iden ty\u00f6tt\u00f6myysvakuutuksen. Yrityksen toimintaa suunniteltaessa on otettava huomioon my\u00f6s riskien mahdollisuus ja siksi kannattaakin tehd\u00e4 riskienhallintasuunnitelma. Pakollisten lakis\u00e4\u00e4teisten vakuutusten lis\u00e4ksi yritys voi ottaa vapaaehtoisia vakuutuksia. N\u00e4ist\u00e4 kannattaa huomioida ainakin <strong>vastuuvakuutus<\/strong> ja <strong>tapaturmavakuutus<\/strong>. Yritt\u00e4j\u00e4n tapaturmavakuutus kuuluu yritt\u00e4j\u00e4n vapaaehtoisiin vakuutuksiin. Tapaturmavakuutuksen voi ottaa kuka tahansa yritt\u00e4j\u00e4. Sill\u00e4 ei siis ole v\u00e4li\u00e4, onko yritt\u00e4j\u00e4ll\u00e4 toiminimi vai osakeyhti\u00f6, Yritt\u00e4j\u00e4n tapaturmavakuutus korvaa erilaiset tapaturmat ja niist\u00e4 johtuvat sairaalakulut sek\u00e4 mahdollisesti jopa ty\u00f6tt\u00f6myyden. Tapaturmavakuutuksen sopimusehtoihin kannattaa tutustua tarkasti, sill\u00e4 vakuutukset eroavat huomattavasti toisistaan. Yritykselle taas voi ottaa vapaaehtoisesti omaisuusvakuutuksen, keskeytysvakuutuksen ja vastuuvakuuden. N\u00e4iden vakuutusten tarpeellisuutta kannattaa pohtia yrityskohtaisesti. Aivan kaikki vakuutukset eiv\u00e4t ole tarpeellisia kaikille yrityksille.<\/p>\n<p><a href=\"https:\/\/ukko.fi\/yrittajyyskoulu\/yrittajan-pakolliset-vakuutukset-yrittajana-sinulta-tulee-loytya-nama\/\">More on compulsory insurance for the self-employed<\/a><\/p>\n<h2>9. Opening a bank account for your business<a id=\"yrityksenperustaminen-pankkitili\"><\/a><\/h2>\n<p><strong>It is a good idea to open a bank account for a company even before it has business operations. It never makes sense to run a business through a personal account, it is much easier to <a href=\"https:\/\/ukko.fi\/yritystili\/\">open a business account<\/a>. <\/strong><\/p>\n<p>The company&#8217;s money and your own money should be kept separate. So open a <a href=\"https:\/\/ukko.fi\/yrittajyyskoulu\/pankkitilin-avaaminen-yritykselle\/\" target=\"_blank\" rel=\"noopener\">bank account for the company<\/a>. Often, the entrepreneur will also need <a href=\"https:\/\/ukko.fi\/yrittajyyskoulu\/excel-laskupohja-vapaasti-kaytettavissa\/\" target=\"_blank\" rel=\"noopener\">an invoicing program<\/a> and a payment terminal. In the case of a private trader, you can manage your money through a normal bank account. However, if you want to open a business account with a fee, you will need to take a certificate of registration and a business plan to the bank. For all other types of business, a separate business account must be opened to manage the company&#8217;s finances. The bank account of the company must always be reported to both the Trade Register and the Tax Administration. For these types of companies, the bank will also want to see the extract from the Trade Register. All Finnish banks allow you to open a separate company account. Please note, however, that there is a separate charge for using a business account. The monthly fee varies from bank to bank, so it is also advisable to shop around for a business account. Even small savings can be significant in the long run.<\/p>\n<h2>10. Leave the accounting to a professional<a id=\"yrityksenperustaminen-kirjanpitaja\"><\/a><\/h2>\n<p><strong>The entrepreneur is obliged to keep accounts. The larger the business, the more important it is to keep proper accounts. Even small errors in accounting can be costly. <\/strong><\/p>\n<p>Many private traders do their own accounting, as single-entry bookkeeping does not require too much administrative know-how. The most important thing is to record the income and expenses of the business. It is also a good idea to keep receipts, as the tax authorities may want to see them in some cases. A business owner can also use an accounting software program to make bookkeeping easy. For example, in addition to bookkeeping, the <a href=\"https:\/\/ukko.fi\/toiminimiyrittajyys\/\">UKKO Entrepreneurship<\/a> service handles VAT and tax returns on behalf of customers. Customers can also automatically apply for a VAT relief. If the entrepreneur does not have the accounting skills, it is worth <a href=\"https:\/\/ukko.fi\/yrittajyyskoulu\/kirjanpitajan-valitseminen-loyda-itsellesi-paras-talousapu\/\">outsourcing to an accountancy firm<\/a> or using <a href=\"https:\/\/ukko.fi\/toiminimiyrittajyys\/kirjanpito-ohjelma\/\">an accounting software.<\/a> Please note that even if you outsource your accounting, you are still ultimately responsible for it. However, even a start-up entrepreneur can outsource accounting and in many cases it is wise to do so. A professional accountant will know what to do to ensure that your accounts are fully compliant. For larger businesses, outsourcing accounting is almost compulsory. Limited partnerships, general partnerships and limited companies require double-entry bookkeeping, which requires a professional to handle it. Entrepreneurs should focus all their energy on what they do best. Accounting takes up an inordinate amount of time and therefore takes up a lot of the entrepreneur&#8217;s time. It is therefore worth outsourcing the accounting to a professional.<\/p>\n<p>Because there are so many accountants out there, it can be difficult for a start-up to find the best one. Ask other companies for their experiences with professional accountants. You can also find accredited accountants and accountancy firms on the website of the Taloushallintoliitto (accounting association), who are guaranteed to know what they are doing. Authorized accountancy firms are subject to supervision by the authorities. Their staff are bound by accounting law, which is always useful for the company. This means you can trust your accountant, so the service is always of the highest quality.<\/p>\n<h2>11. Invoicing software for business use<a id=\"yrityksenperustaminen-laskutusohjelmat\"><\/a><\/h2>\n<p><strong>Invoicing is one of the most important aspects of running a business. It is important to get it right when you start your business and before you start trading. <\/strong><\/p>\n<p>Invoicing allows a company to generate revenue. The invoice is usually sent to the customer as soon as possible after the service or product has been delivered. In some cases, the customer may be invoiced in advance. Small businesses should try to obtain the shortest possible payment period for invoices, usually as short as seven days. However, the most common payment period is 14-21 days, with a maximum of 30 days. The faster a business can invoice, the better it can keep its cash flow active. Many customers now prefer to send their invoices directly to their online bank, which is also the most convenient for the company. Online invoices are pre-populated with all the invoice details, making it really quick and easy for the customer to pay the invoice online. In addition, traditional paper invoices and invoices sent by e-mail are still in use. However, companies have nowadays adopted the practice of charging an extra fee for paper invoices. This makes sense, as sending paper invoices is not very environmentally friendly.<\/p>\n<p><img decoding=\"async\" class=\"alignnone wp-image-193249 size-full\" src=\"http:\/\/ukko.fi\/wp-content\/uploads\/2025\/10\/yrityksen-perustaminen-vaihe-vaiheelta-mies-selailee-kannettavaa-tietokonetta.jpg\" alt=\"Stages of starting a business. Man working on a laptop outside\" width=\"1000\" height=\"667\" \/><\/p>\n<p>Invoices must contain certain information in order for payment to be successful. Such important information includes:<\/p>\n<ul>\n<li>the date the invoice was created<\/li>\n<li>running tag<\/li>\n<li>seller&#8217;s business ID number<\/li>\n<li>quantity and description of the goods or scope and description of the service<\/li>\n<li>the date of delivery of the goods, the date of performance of the services or the date of payment of the agreed advance payment<\/li>\n<li>the taxable amount, broken down by rate, and the unit price exclusive of tax, plus any rebates and discounts not specified in the unit price<\/li>\n<li>tax rate<\/li>\n<li>the amount of tax<\/li>\n<li>the basis for exemption from tax if no tax is included<\/li>\n<li>for amending invoices, a reference to a previous invoice<\/li>\n<\/ul>\n<p>There are many different invoicing software used in Finland. Business owners and those who do their own accounting usually prefer free or low-budget invoicing software. The more features an invoicing software has, the more demanding and professional it is suitable for. If the accounting and invoicing is outsourced, the entrepreneur does not have to worry about invoicing. The invoicing company will also take care of any reminders and collections in case of non-recovery of payments from the customer. In this respect, too, it makes sense to outsource accounting, invoicing and all administrative tasks. The entrepreneur does not have to worry about things that do not fall within their remit. Sometimes, therefore, small investments lead to more freedom for the entrepreneur, giving him time to concentrate on developing their business. These are things to consider from the outset when<span style=\"font-weight: 400;\"> starting a<\/span> <span style=\"font-weight: 400;\">business and becoming an entrepreneur <\/span><\/p>\n<p><span style=\"font-weight: 400;\"> becomes topical. Even before setting up a business, you can find out which things are worth outsourcing and which you can do yourself. <\/span><\/p>\n<\/article>\n<div class=\"client-module-wrapper\">\n<div class=\"module-ukko-cta max-w-xl mx-auto md py-2\">\n<div\n        class=\"rounded-lg bg-gray-light p-4 lg:p-6\"><\/p>\n<div class=\"flex flex-col justify-between gap-4\">\n<article class=\"small-h3\">\n<h3 class=\"!font-semibold max-md:!text-lg !text-black !mt-0 !mb-2\">\n                    Accounting, invoicing and receipt storage at a fixed monthly price                <\/h3>\n<p class=\"md:!text-[0.95rem] !mb-0\">Perustamme toiminimen ilmaiseksi ja tarjoamme kirjanpidon reilulla hinnalla!<\/p>\n<\/article>\n<p><div class=\"buttons\">                        <a href=\"https:\/\/ukko.fi\/toiminimiyrittajyys\/\" class=\"btn btn--blue !w-full !text-center !mt-4\"><br \/>\n                Lue lis\u00e4\u00e4            <\/a>\n                    <\/div><\/div>\n<\/p><\/div>\n<\/div>\n<\/div>\n<article class=\"single-content\">\n<h2>Thinking of starting your own business?<\/h2>\n<p>Have you dreamed of starting your own business, but the thought of making your dream come true is scary? Perhaps you doubt whether you&#8217;re up for it? Are you wondering when would be the right time to break away from a familiar and secure day job? Are you wondering whether it&#8217;s worth <a href=\"https:\/\/ukko.fi\/yrittajyyskoulu\/yrityksen-perustaminen-tyottomana\/\">starting a business when you&#8217;re unemployed<\/a>? You are not alone in your thoughts. Many people who want to become entrepreneurs are wondering the same things and waiting for the right moment to start a business. But it is impossible to define the right moment because starting a business always involves taking risks. It is therefore impossible to mark directly on the calendar when it is the right time to start a business.<\/p>\n<h2>Does starting a business feel scary?<\/h2>\n<p>Many people dream of starting a business, but are often held back by the horror of failure. But this is all for nothing, because what have you got to lose if you try? Without experimentation, you can&#8217;t achieve anything new either. So if you&#8217;ve had an interesting business idea on your mind for a long time, trust yourself and try it out! You can start by <a href=\"https:\/\/ukko.fi\/yrittajyyskoulu\/yrityksen-perustaminen\/\">setting up a business<\/a>, for example alongside your paid job, and work as an entrepreneur on the side. This will give you some idea of what it&#8217;s like to be an entrepreneur and how your business idea will work. If the business idea takes off, you may want to become a full-time entrepreneur later and leave your paid job. However, if you find that your business idea is not working, you will not yet have had time to make irreversible decisions about your paid job. This way, the risk of trying to make a go of it is lower than usual. And remember, there is always support for entrepreneurship. For example, business advice is widely available from start-up centres across Finland, and it is also worth asking your accountant\/financial management partner for help. <a href=\"https:\/\/ukko.fi\/toiminimiyrittajyys\/\">UKKO Toiminimiyritt\u00e4jyys<\/a> is also there to support you in matters related to entrepreneurship. You can also leave the accounting entirely to us.<\/p>\n<\/article>\n<div class=\"client-module-wrapper\">\n<div class=\"module-ukko-cta max-w-xl mx-auto md py-2\">\n<div\n        class=\"rounded-lg bg-gray-light p-4 lg:p-6\"><\/p>\n<div class=\"flex flex-col justify-between gap-4\">\n<article class=\"small-h3\">\n<h3 class=\"!font-semibold max-md:!text-lg !text-black !mt-0 !mb-2\">\n                    Sign up for an entrepreneurship course!                <\/h3>\n<p class=\"md:!text-[0.95rem] !mb-0\">Maksuton videokurssi yrityksen perustamisesta<\/p>\n<\/article>\n<p><div class=\"buttons\">                        <a href=\"https:\/\/ukko.fi\/ukko-yrittajyyskurssi\/\" class=\"btn btn--blue !w-full !text-center !mt-4\"><br \/>\n                Varaa paikka            <\/a>\n                    <\/div><\/div>\n<\/p><\/div>\n<\/div>\n<\/div>\n<article class=\"single-content\">\n<h2>So what happens when the business is set up?<\/h2>\n<ul>\n<li>You are ready to start a business. Market, sell and get your first customers and laugh on your way to the bank.<\/li>\n<li>Make sure your company&#8217;s accounts are done correctly from the start. Regularly report on the company&#8217;s finances to the tax authorities and other authorities. We recommend <a>the UKKO Entrepreneur service<\/a> for business accounting.<\/li>\n<li>Get the insurance you need to cover your activities.<\/li>\n<li>You should also read the <a href=\"https:\/\/ukko.fi\/yrittajyyskoulu\/toiminimen-kirjanpito-pikaopas\/\">guide<\/a> for self-employed entrepreneurs.<\/li>\n<li>Here&#8217;s another <a href=\"https:\/\/ukko.fi\/yrittajyyskoulu\/aloittavan-yrittajan-muistilista\/\" target=\"_blank\" rel=\"noopener\">checklist for the start-up entrepreneur<\/a><\/li>\n<\/ul>\n<p><strong>If you still haven&#8217;t had the courage to click and start trying, here&#8217;s your last chance:<\/strong><\/p>\n<\/article>\n<div class=\"client-module-wrapper\">\n<div class=\"module-ukko-cta max-w-xl mx-auto md py-2\">\n<div\n        class=\"rounded-lg w-fit mx-auto\"><br \/><div class=\"buttons\">\n                        <a href=\"https:\/\/uusi.ukkopro.fi\/registration\" class=\"btn btn--blue !text-center\"><br \/>\n            Hanki Y-tunnus        <\/a>\n                    <\/div><\/div>\n<\/div>\n<\/div>\n<article class=\"single-content\">\n<p><em>Note! UKKO.fi is not responsible for the accuracy or timeliness of the information on this page. This article was first published on 30.1.2017 and has been updated on 7.6.2024. <\/em><\/p>\n<h2>Read also<\/h2>\n<p><a href=\"https:\/\/ukko.fi\/yrittajyyskoulu\/yrityksen-nimi\/\">Business name &#8211; what is a good name?<\/a><\/p>\n<p><a href=\"https:\/\/ukko.fi\/yrittajyyskoulu\/toiminimen-verotus-pahkinankuoressa\/\">Business name taxation in a nutshell<\/a><\/p>\n<p><a href=\"https:\/\/ukko.fi\/yrittajyyskoulu\/starttiraha\/\">Start-up money for a budding entrepreneur &#8211; How to get it!<\/a><\/p>\n","protected":false},"author":31,"featured_media":307482,"template":"","meta":{"_acf_changed":false},"tags":[],"education_category":[1434,1432,1460],"class_list":["post-317250","education","type-education","status-publish","has-post-thumbnail","hentry","education_category-entrepreneurship","education_category-light-entrepreneurship","education_category-starting-a-business"],"acf":[],"yoast_head":"<title>Starting a business: when starting your entrepreneurship, remember these! | UKKO.fi<\/title>\n<meta name=\"description\" content=\"Do you dream of starting your own business? 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Tips for starting your own business!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/ukko.fi\/en\/entrepreneurship-school\/starting-a-business-when-starting-your-entrepreneurship-venture-remember-these\/\" \/>\n<meta property=\"og:site_name\" content=\"UKKO.fi\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Ukko.fi\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-06T11:38:32+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ukko.fi\/wp-content\/uploads\/2022\/03\/yrityksen-perustaminen-nainen-tyopoydan-luona-kahvikuppi-kadessa.png|https:\/\/ukko.fi\/wp-content\/uploads\/2022\/03\/yrityksen-perustaminen-nainen-tyopoydan-luona-kahvikuppi-kadessa.png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@Ukko_fi\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"34 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/ukko.fi\\\/en\\\/entrepreneurship-school\\\/starting-a-business-when-starting-your-entrepreneurship-venture-remember-these\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/ukko.fi\\\/en\\\/entrepreneurship-school\\\/starting-a-business-when-starting-your-entrepreneurship-venture-remember-these\\\/\"},\"author\":{\"name\":\"UKKO-tiimi\",\"@id\":\"https:\\\/\\\/ukko.fi\\\/en\\\/#\\\/schema\\\/person\\\/645e51c2dd0615b8ff5036f88a0ccf5c\",\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/ukko.fi\\\/wp-content\\\/uploads\\\/2026\\\/03\\\/ukko.fi-vqvdsu.webp\"}},\"headline\":\"Starting a business: when starting your entrepreneurship venture, remember these!\",\"datePublished\":\"2024-11-13T08:12:27+00:00\",\"dateModified\":\"2026-02-06T11:38:32+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/ukko.fi\\\/en\\\/entrepreneurship-school\\\/starting-a-business-when-starting-your-entrepreneurship-venture-remember-these\\\/\"},\"wordCount\":5264,\"publisher\":{\"@id\":\"https:\\\/\\\/ukko.fi\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/ukko.fi\\\/en\\\/entrepreneurship-school\\\/starting-a-business-when-starting-your-entrepreneurship-venture-remember-these\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/ukko.fi\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/alv-ilmoitus-nuori-nainen-tekee-muistiinpanoja.jpg\",\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/ukko.fi\\\/en\\\/entrepreneurship-school\\\/starting-a-business-when-starting-your-entrepreneurship-venture-remember-these\\\/\",\"url\":\"https:\\\/\\\/ukko.fi\\\/en\\\/entrepreneurship-school\\\/starting-a-business-when-starting-your-entrepreneurship-venture-remember-these\\\/\",\"name\":\"Starting a business: when starting your entrepreneurship, remember these! | UKKO.fi\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/ukko.fi\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/ukko.fi\\\/en\\\/entrepreneurship-school\\\/starting-a-business-when-starting-your-entrepreneurship-venture-remember-these\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/ukko.fi\\\/en\\\/entrepreneurship-school\\\/starting-a-business-when-starting-your-entrepreneurship-venture-remember-these\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/ukko.fi\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/alv-ilmoitus-nuori-nainen-tekee-muistiinpanoja.jpg\",\"datePublished\":\"2024-11-13T08:12:27+00:00\",\"dateModified\":\"2026-02-06T11:38:32+00:00\",\"description\":\"Do you dream of starting your own business? 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Know the difference!"},"content":{"rendered":"<article class=\"single-content\"><p><strong>This article collects all the key information construction industry professionals arriving to work in Finland need to know when assessing the nature and criteria of their employment or freelance contract. The article was originally written Finnish and has also been translated into Estonian and Russian.<\/strong><\/p>\n<p><strong>Why should I read this article?<\/strong><\/p>\n<p>1. It will help you understand your tax liabilities both as a light entrepreneur and an employee.<br \/>\n2. You learn what a light entrepreneur is.<br \/>\n3. You learn what to do if your employer asks you to become a light entrepreneur.<\/p>\n<p>In Uusimaa, on average, every third person working in the building construction industry is not Finnish. Elsewhere in Finland the share is one in ten. According to statistics, most non-Finnish construction workers come to Finland from Estonia, Poland, Latvia, Lithuania, or Ukraine. Estonians are the largest nationality in the industry, and many of Estonians have settled permanently in Finland and established Finnish companies.<\/p>\n<p>Data on non-Finnish workers in Finland can be found in the labor force survey conducted by the Confederation of Finnish Construction Industries RT in 2019.<\/p>\n<p>Before a construction professional can roll up their sleeves and get to work on a Finnish construction site, they must discuss the nature of the employment with the construction company. For starters, you should find out whether you are an employee or a light entrepreneur.<\/p>\n<p>If you are an employee, i.e., you have made an employment contract with the company, your employment is subject to all the same laws and working conditions as any Finnish employee\u2019s employment. The collective agreements of the construction industry are also equally applied to the employment of both non-Finnish and Finnish employees. The applied collective agreement defines the wages, benefits, working hours and holidays. The collective agreement says, for example, that your employer cannot legally order you to work more than 8 hours a day and 40 hours a week. That means this rule must be followed on the construction site.<\/p>\n<p>After making an employment contract, take care of your <a href=\"https:\/\/www.vero.fi\/en\/individuals\/tax-cards-and-tax-returns\/arriving_in_finland\/work_in_finland\/working-in-construction\/\">tax matters immediately<\/a>. Register at a tax office and get a tax number. If you do not have a tax number, you will not be able to enter your work site. The tax number must also be included on your photo ID, which you must wear while at work.<\/p>\n<p>Did you know that the Finnish Tax Administration has a test on their website that can you take to determine the nature of your employment? Answer the questions and the site will tell you how to proceed with your taxes. The nature of your employment determines your taxation, so finding it out is important. Take the test <a href=\"https:\/\/www.vero.fi\/en\/businesses-and-corporations\/business-operations\/setting-up-a-business\/light-entrepreneur\/light-entrepreneurs-and-food-couriers--how-to-take-care-of-your-taxes\/\">here<\/a>.<\/p>\n<h2>Are you a light entrepreneur?<\/h2>\n<p>Since 2013, it has been possible to work as a \u2018light entrepreneur\u2019 in Finland through the UKKO.fi service. In short, being a light entrepreneur means that an invoice service helps you work as easily as possible without you having to spend your time on bureaucracy, accounting, or paperwork.<\/p>\n<p>All you need to do in the invoice service is to create and send an invoice to the company you work for. You can also set your own prices. As a light entrepreneur, you can work like a regular entrepreneur while the invoice service takes care of many of the daily responsibilities of an entrepreneur for a service fee.<\/p>\n<p><strong>As an UKKO.fi light entrepreneur in the construction industry, you are:<\/strong><\/p>\n<p>\u2022 Covered by accident insurance after you have notified UKKO.fi that you have started working<br \/>\n\u2022 Covered by liability insurance up to EUR 2 million<br \/>\n\u2022 Eligible for the Valtticard through us<\/p>\n<p>The Valtticard is an ID card with a chip that shows the name, tax number, photo, and employer of a construction industry professional. If you are a UKKO.fi light entrepreneur, your Valtticard will have \u2018SLP Group Oy (UKKO.fi)\u2019 entered as the employer.<\/p>\n<p>As an UKKO.fi light entrepreneur, it is important to note that although you send your invoice to the construction company you work for, the payment to your account will be made by the invoice service UKKO.fi. To enable UKKO.fi to make the payment, you need to take care of your taxes; remember to request a tax card from the tax administration and check that all information on it is correct. UKKO.fi receives your tax information automatically from the tax administration, so you do not need to anything else.<\/p>\n<p><img decoding=\"async\" class=\"alignnone wp-image-99786 size-full\" src=\"http:\/\/ukko.fi\/wp-content\/uploads\/2025\/10\/kevytyrittaja_rakennusala.jpg\" alt=\"Kevytyritt\u00e4j\u00e4t rakennusalalla.\" width=\"1400\" height=\"934\" \/><\/p>\n<h2>Discuss the nature of your employment immediately at the beginning<\/h2>\n<p>Sometimes on construction sites, we encounter situations where a construction industry professional has thought they are an employee but are actually a light entrepreneur working through an invoice service. Sometimes the professional knows that they are a light entrepreneur but does not understand what that means in practice.<\/p>\n<p>Light entrepreneurship is suitable for those who <strong>want to work as an entrepreneur<\/strong> and want the opportunity to determine their own prices and working hours. If you want to be a construction industry employee with an employment contract and a set monthly salary, you should not become a light entrepreneur.<\/p>\n<p>If your employer tries to steer you toward light entrepreneurship and, for example, asks you to give them a power of attorney, sit down with your employer first and negotiate the nature of your employment thoroughly. Remind your employer that work conducted under an employment agreement cannot be invoiced through an invoice service. This means an employee cannot be disguised as a freelancer!<\/p>\n<p>Your employer also cannot oblige you to carry out construction work subject to license which is not permitted for a light entrepreneur to carry out.<\/p>\n<p>As a freelancer, you can work for several companies and customers at the same time, and you have the right to decide when you do the work. You bear the risks and responsibilities of being an entrepreneur. For example, you will not be entitled to paid holidays; instead, you have to take your holidays into account in your pricing and save the money yourself. As a light entrepreneur, you work to earn money for yourself, and you are independent to the extent that you are not subject to the employer\u2019s right to manage and supervise its employees.<br \/>\nHowever, if you decide together that the work you agreed to carry out will be conducted with you acting as a light entrepreneur, make a detailed agreement on the matter.<\/p>\n<p>The agreement should include the shared rules to be followed by both parties during the work. The agreement is binding on both parties and cannot be unilaterally modified by the other party afterwards. You should also agree on the schedule for the work as well as on reporting, the amount to be paid to you, and what your invoices will be based on. You can also agree on the reimbursement of expenses, payment terms, and liabilities. The agreement is concluded with the signature of both parties.<\/p>\n<p><strong>Finally, here is a summary on the differences between a light entrepreneur and an employee:<\/strong><\/p>\n<p><strong>As a light entrepreneur<\/strong><\/p>\n<p>\u2022 You can influence the terms and conditions of the agreement you make on the work<br \/>\n\u2022 You can set your own prices<br \/>\n\u2022 You can work for multiple companies or customers at the same time<br \/>\n\u2022 You are covered by accident and liability insurance<br \/>\n\u2022 You are responsible for your own schedules, holidays, and sick leave<br \/>\n\u2022 UKKO.fi withholds the pension insurance contribution from your salary<\/p>\n<p><strong>As an employee<\/strong><\/p>\n<p>\u2022 You make an employment contract with your employer<br \/>\n\u2022 You are not allowed to work for competing companies at the same time unless you have agreed otherwise with your employer<br \/>\n\u2022 Your working hours and accumulation of holidays are defined in your employment contract<br \/>\n\u2022 Your employer withholds the pension insurance contribution from your salary<br \/>\n\u2022 You get paid during sick leave as well<\/p>\n<p>&nbsp;<\/p>\n<\/article>","protected":false},"author":1,"featured_media":312732,"template":"","meta":{"_acf_changed":false},"tags":[],"education_category":[1432],"class_list":["post-316972","education","type-education","status-publish","has-post-thumbnail","hentry","education_category-light-entrepreneurship"],"acf":[],"yoast_head":"<title>Are you a \u2018light entrepreneur\u2019 or an employee at a Finnish construction site? 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If yes, keep reading; in this article, we will tell you with practical examples<\/strong><!--more--><\/p>\n<ol>\n<li>what are the differences between representation costs and negotiation costs<\/li>\n<li>how you can deduct these costs in your company&#8217;s taxes.<\/li>\n<\/ol>\n<p>You can save a lot of money if you do planning and documentation well \u2013 so we recommend you to read this article carefully!<\/p>\n<h2>Representation costs \u2013 what are they?<\/h2>\n<p>Representation costs are defined as costs that are directed at stakeholders outside your company, like customers. Representation costs can be incurred, for example, when you invite your client over lunch to negotiate the terms of a future contract. In general, these costs are the result of maintaining or developing your company&#8217;s business relationships. Representation costs can also arise when you are trying to create new business relationships. Business gifts are one very typical form of this kind of costs.<\/p>\n<p>Representation costs can also arise from, for example, accommodation and travel expences when you are on a representation trip, as well as expences related to an apartment or property that is used in representation events. You may also have hired catering staff for the representation event, in which case their wages are counted as representation costs. Representation costs also include depreciations that are made from the acquisition costs of an asset that is intended for representation.<\/p>\n<p>Please note that representation costs are only 50% tax deductible. At the same time, you should also remember that if the representation costs include value added tax, this tax is not deductible.<\/p>\n<h2>Negotiation costs vs. representation costs<\/h2>\n<p>The main difference between negotiation costs and representation costs is that, while representation costs always consist of costs caused by stakeholders outside the company, negotiation costs are usually caused by your company\u2019s internal negotiations. You may, for example, negotiate with different authorities or meet your auditor, in which case you will incur negotiation costs. You can deduct these expenses 100% in your company&#8217;s taxes.<\/p>\n<p>Please note that large amounts of alcohol or extravagant food are not accepted as meeting costs. However, the usual catering during negotiations is considered negotiation costs, which you can deduct in full for taxation. For example, if you organize a Christmas party for your company&#8217;s own employees and you can verify that the catering at the party was reasonable, you can deduct the costs caused by the catering in your taxes in full.<\/p>\n<p><img decoding=\"async\" class=\"alignnone size-full wp-image-196261\" src=\"http:\/\/ukko.fi\/wp-content\/uploads\/2025\/10\/edustuskulut-ja-neuvottelukulut-yksi-nainen-ja-kolme-miesta-keskustelevat.jpg\" alt=\"\" width=\"1000\" height=\"563\" \/><\/p>\n<p>Although the basic principle is that negotiation costs are incurred within your own company, in some cases, negotiation costs may also be incurred when negotiating with your customers and offering them something small and usual.<\/p>\n<p>If you are going to deduct this kind of costs in taxation, make sure that you have documents that describe the nature of the event, as well as with whom and why the event was organized. Accurate documentation is important, because without proper evidence, your company&#8217;s negotiation costs are easily interpreted as representation costs; in this case, you can\u2019t deduct as big amount in taxes than you originally planned.<\/p>\n<blockquote><p>For a small entrepreneur, the difference can be significant, especially if there are many events to be organized.<\/p><\/blockquote>\n<p>For example, you offer a corporate lunch worth 100 euros to your important client. After the income benefit, your company&#8217;s net cost of lunch is around 90 euros. You can deduct 50% of this, i.e. half in income tax when the income tax is 20%. However, if the delegation lunch is interpreted as a negotiation cost, the net cost of the lunch for your company is only about 70 euros, from which you can deduct 100% in income tax, with income tax at 20% and VAT deduction at 14%. If such lunches are offered often, the difference is significant for a small entrepreneur\u2019s economy.<\/p>\n<p>Sometimes the difference between negotiation and representation costs is vague, but since some costs can only be deducted in taxes by 50% and others by 100%, it is in the entrepreneur&#8217;s interest to try to verify that the right to deduct is 100%. Therefore, take care of documenting the negotiation sessions you organize! Receipts and invoices, which contain mandatory markings such as the date of issue, the seller&#8217;s VAT number and the tax rate, are considered documents. A small entrepreneur should try to make the most of the deductions.<\/p>\n<p>If you need more detailed instructions, we recommend reading more on the subject on the <a href=\"https:\/\/www.vero.fi\/en\/individuals\/\" target=\"_blank\" rel=\"noopener\">Tax authority&#8217;s website<\/a>.<\/p>\n<h3>Summary<\/h3>\n<p><strong>Negotiation costs:<\/strong><\/p>\n<ul>\n<li>Internal company meetings<\/li>\n<li>Lunch with an auditor or consultant, for example<\/li>\n<li>Small servings<\/li>\n<li>Christmas party with the staff, if the service was reasonable<\/li>\n<li>100% right of deduction in business income taxation<\/li>\n<\/ul>\n<p><strong>Representation expenses:<\/strong><\/p>\n<ul>\n<li>For example, customer meetings or lunch with a customer<\/li>\n<li>Value added tax cannot be deducted from representation expenses<\/li>\n<li>50% right to deduct business income tax<\/li>\n<\/ul>\n<h2>Representation expenses or negotiation costs? Don\u2019t worry, we&#8217;ll help you!<\/h2>\n<p>If you need additional tips on these matters or a shoulder to get support from, don&#8217;t hesitate to contact us. You should always check these matters with your accountant, especially if you are unsure whether it is an agency fee or a negotiation fee.<\/p>\n<p>The customer service of UKKO Yritt\u00e4j\u00e4 toiminimelle answers the phone on weekdays from 9 a.m. to 4 p.m. on 09 427 208 61. You can also contact us via email: <a href=\"mailto:asiakaspalvelu@ukkopro.fi\">asiakaspalvelu@ukkopro.fi<\/a>.<\/p>\n<\/article>","protected":false},"author":1,"featured_media":308634,"template":"","meta":{"_acf_changed":false},"tags":[224],"education_category":[1434,1433],"class_list":["post-317202","education","type-education","status-publish","has-post-thumbnail","hentry","tag-verovahennykset","education_category-entrepreneurship","education_category-taxation"],"acf":[],"yoast_head":"<title>Representation costs and negotiation costs in accounting \u2013 Learn the difference | UKKO.fi<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ukko.fi\/en\/entrepreneurship-school\/representation-costs-and-negotiation-costs-in-accounting-learn-the-difference\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Representation costs and negotiation costs in accounting \u2013 Learn the difference\" \/>\n<meta property=\"og:description\" content=\"Are you a business owner wondering what kind of tax deductions you are entitled to? 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Light entrepreneurship means that a household hires a private individual of their choice, and the hired individual bills the household through an invoicing service.\u00a0<\/p>\n\n\n\n<div>\n<figure><img decoding=\"async\" class=\"alignnone size-full wp-image-54621\" src=\"http:\/\/ukko.fi\/wp-content\/uploads\/2025\/10\/kevytyrittaja-siivoaa-kotitalousvahennys-2.jpg\" alt=\"\" width=\"1100\" height=\"734\" \/><\/figure>\n<\/div>\n\n\n\n<p>The household and light entrepreneur agree on the work and payment, and the invoicing service takes care of all the bureaucracy related to invoicing and paying salaries.\u00a0<\/p>\n\n\n\n<blockquote class=\"is-layout-flow wp-block-quote-is-layout-flow\">\n<p>The household will only have to pay one bill that the light entrepreneur has created using the invoicing service\u2019s handy online service. Effortless, isn\u2019t it?\u00a0<\/p>\n<\/blockquote>\n\n\n\n<p>Because the invoicing service pays the light entrepreneur, the household can\u00a0<a href=\"https:\/\/ukko.fi\/kotitalousvahennys\/\">request a tax credit for household expenses<\/a>!\u00a0<\/p>\n\n\n\n<p>Purchasing the service from a professional is an easier and more flexible way to get work done because the household does not need to commit to the role of an employer or to a considerable amount of administrative work. The client household or the person doing the work do not need to worry since the light entrepreneurship service takes care of all necessary payments and reports by the book.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Light entrepreneurship gives the right to tax credit for household expenses\u00a0<\/h3>\n\n\n\n<p>The personal liability portion for the tax credit for household expenses in 2019 is EUR 100 and the maximum credit is EUR 2,400 per person. Because the tax credit for household expenses is personal, both spouses can get their own credit. In such a case, the spouses\u2019 maximum credit for the year is EUR 4,800.\u00a0<\/p>\n\n\n\n<p>To receive a tax credit for household expenses for work someone did, the entrepreneur or company must be registered in the prepayment register. The company behind UKKO.fi is SLP Group Oy, which is registered in the prepayment register. This means that households may receive a tax credit for household expenses from services that they purchase from\u00a0UKKO.fi\u2019s\u00a0light entrepreneurs.\u00a0<\/p>\n\n\n\n<div>\n<figure><img decoding=\"async\" class=\"alignnone size-full wp-image-54626\" src=\"http:\/\/ukko.fi\/wp-content\/uploads\/2025\/10\/kevytyrittaja-kottalousvahennys-2.jpg\" alt=\"\" width=\"1200\" height=\"801\" \/><\/figure>\n<\/div>\n\n\n\n<p>The tax credit for household expenses is 50% of the part of the expenses relating to work subject to VAT. You can also receive credit for services that did not include VAT. As an example, if you pay a company EUR 1,000 for a job, the credit is EUR 500, which is half of the total sum. When the personal liability portion of EUR 100 is deducted from the credit, the total deduction in taxation is EUR 400.\u00a0<\/p>\n\n\n\n<p>To receive the maximum credit for 2019, then, you will need to purchase services for a total of slightly over EUR 5,000.\u202fYou can go to\u00a0<a href=\"https:\/\/www.vero.fi\/henkiloasiakkaat\/verokortti-ja-veroilmoitus\/tulot-ja-vahennykset\/kotitalousvahennys\/taulukko_kysytyimmista_kotitalousvahenn2\/\">the tax authorities\u2019 website<\/a>\u00a0to find plenty of information about what types of work are considered eligible for a tax credit.\u00a0<\/p>\n\n\n\n<p>\u00a0How much tax credit for household expenses you will receive for paid work depends on whether the person doing the work was working under a contract of employment with the client or if the work was done as an assignment. If the work is paid for with a salary for an employee working under a contract of employment, you can deduct 20% of the employee\u2019s gross wage and all related social security costs as a tax credit for household expenses.<\/p>\n\n\n\n<p>Do you want to know more about <a href=\"https:\/\/ukko.fi\/en\/light-entrepreneurship\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\"light entrepreneurship (opens in a new tab)\">light entrepreneurship<\/a>, <a href=\"https:\/\/ukko.fi\/en\/being-self-employed-gives-job-opportunities-in-finland\/\">being self-employed<\/a> or UKKO.fi\u00b4s <a href=\"https:\/\/ukko.fi\/en\/invoicing-service-for-freelancers\/\">invoice service for freelancers<\/a>, click on the word you want to read more about.<\/p>\n<\/article>","protected":false},"author":1,"featured_media":311307,"template":"","meta":{"_acf_changed":false},"tags":[],"education_category":[1431],"class_list":["post-316100","education","type-education","status-publish","has-post-thumbnail","hentry","education_category-type"],"acf":[],"yoast_head":"<title>How can a household purchase labor? 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Ukko uskoo maailmaan miss\u00e4 jokainen haluaa olla yritt\u00e4j\u00e4.","sameAs":["http:\/\/ukko.fi"]}]}},"_links":{"self":[{"href":"https:\/\/ukko.fi\/en\/wp-json\/wp\/v2\/education\/316100","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ukko.fi\/en\/wp-json\/wp\/v2\/education"}],"about":[{"href":"https:\/\/ukko.fi\/en\/wp-json\/wp\/v2\/types\/education"}],"author":[{"embeddable":true,"href":"https:\/\/ukko.fi\/en\/wp-json\/wp\/v2\/users\/1"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ukko.fi\/en\/wp-json\/wp\/v2\/media\/311307"}],"wp:attachment":[{"href":"https:\/\/ukko.fi\/en\/wp-json\/wp\/v2\/media?parent=316100"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ukko.fi\/en\/wp-json\/wp\/v2\/tags?post=316100"},{"taxonomy":"education_category","embeddable":true,"href":"https:\/\/ukko.fi\/en\/wp-json\/wp\/v2\/education_category?post=316100"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}},{"id":316095,"date":"2019-05-07T04:35:40","date_gmt":"2019-05-07T01:35:40","guid":{"rendered":"http:\/\/localhost:10586\/education\/pricing-is-not-magic-but-it-is-not-easy-either\/"},"modified":"2026-02-06T13:39:10","modified_gmt":"2026-02-06T11:39:10","slug":"pricing-is-not-magic-but-it-is-not-easy-either","status":"publish","type":"education","link":"https:\/\/ukko.fi\/en\/entrepreneurship-school\/pricing-is-not-magic-but-it-is-not-easy-either\/","title":{"rendered":"Pricing is not magic, but it is not easy either"},"content":{"rendered":"<article class=\"single-content\"><p>Pricing your work is a perennial problem for self-employed people and freelancers.<\/p>\n<p>Pricing is not easy, but there are many ways to make it easier. The same principles apply in many different fields, and they can be a good starting point for many self-employed people and entrepreneurs when thinking about how to price products and services.<\/p>\n<p>We have just released an updated version of our popular\u00a0<a href=\"https:\/\/ukko.fi\/kevytyrittajan-hinnoitteluopas\/\">pricing guide,<\/a>\u00a0so to celebrate, I decided to share a few basic, proven tips for budding self-employed people, freelancers, light entrepreneurs and just plain entrepreneurs.<\/p>\n<h3 aria-level=\"3\">An invoiced sum and earned income are two different things<\/h3>\n<p>Many people who have only worked traditional jobs might have difficulties understanding all the expenses that they should take into account when pricing their service. Even though an employer will pay for different social security costs, they are often not visible to the employee. In addition to gross wage, the employer often pays for different types of pension and social security contributions.<\/p>\n<p>When pricing, a light entrepreneur should be aware that their invoiced sum is not the same as the amount of money they will get on their bank account. Besides potential pension contributions, UKKO.fi will also deduct the invoicing service\u2019s commission fee, social security contributions and an accident insurance premium from a light entrepreneur\u2019s wages.<\/p>\n<p><img decoding=\"async\" class=\"alignnone size-full wp-image-54644\" src=\"http:\/\/ukko.fi\/wp-content\/uploads\/2025\/10\/laskin_kevytyrittaja_hinnoittelu.jpg\" alt=\"\" width=\"1200\" height=\"800\" \/><\/p>\n<p>In addition to these costs, there are many other costs that you should consider when pricing your service.<\/p>\n<p>Your invoiced sum should also take into account<\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\">VAT,<\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\">social security costs,<\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\">materials and supplies,<\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\">travel costs,<\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\">equipment,<\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\">workspace,<\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\">phone and internet bills,<\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\">marketing costs,<\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\">the costs of professional training,<\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\">vacations and sick leave,<\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\">other possible costs.<\/li>\n<\/ul>\n<p>It is also important to note that traditional jobs pay a monthly salary regardless of how productive some working hours have been. As a light entrepreneur, you should account for this, because you will not be able to monetize every hour you put into your work, especially in the beginning.<\/p>\n<h3>Set a goal for your income and calculate how to achieve it<\/h3>\n<p>A good way to price your service or product is to think about how much you would like to earn to be satisfied with your income. Think about the amount on a monthly and annual level. After this, you can calculate how much you have to bill for your service or product within a certain timeframe to achieve your desired level of income even after accounting for all costs.<\/p>\n<p>Next, remember that you cannot bill your first client for the entire year\u2019s or month\u2019s pay. In other words, you should calculate how many clients you would need to have in, say, a day or month. Once you have an idea of how many clients you need, you can start thinking about how much time you have for each client or task.<\/p>\n<blockquote><p>Moreover, make sure to have time for sales and marketing, because clients rarely drop into your lap!<\/p><\/blockquote>\n<p>You should also remember to account for different seasons, since almost no field has a steady flow of clients. You might even have no clients during the slowest seasons.<\/p>\n<p>Do you want to know more about <a href=\"https:\/\/ukko.fi\/en\/light-entrepreneurship\/\" aria-label=\"light entrepreneurship (opens in a new tab)\">light entrepreneurship<\/a>, <a href=\"https:\/\/ukko.fi\/en\/being-self-employed-gives-job-opportunities-in-finland\/\">being self-employed<\/a> or UKKO.fi\u00b4s <a href=\"https:\/\/ukko.fi\/en\/invoicing-service-for-freelancers\/\">invoice service for freelancers<\/a>? Then click on the word you want to read more about.<\/p>\n<\/article>","protected":false},"author":1,"featured_media":311300,"template":"","meta":{"_acf_changed":false},"tags":[],"education_category":[1460],"class_list":["post-316095","education","type-education","status-publish","has-post-thumbnail","hentry","education_category-starting-a-business"],"acf":[],"yoast_head":"<title>Pricing is not magic, but it is not easy either | UKKO.fi<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ukko.fi\/en\/entrepreneurship-school\/pricing-is-not-magic-but-it-is-not-easy-either\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pricing is not magic, but it is not easy either\" \/>\n<meta property=\"og:description\" content=\"Pricing your work is a perennial problem for self-employed people and freelancers. Pricing is not easy, but there are many ways to make it easier. 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There is now only one tax card, and the card and its income ceiling are applicable to all wage income.<\/p>\n<p>The change may feel difficult at first, but it makes withholding rates simpler and easier. This is why I will go through the different changes to the tax card in this article.<\/p>\n<h2 aria-level=\"3\">How does taxation work?<\/h2>\n<p>Taxation in Finland is organized so that an employee will only see part of the social security costs related to their salary on their\u00a0payslip. The largest of these costs is withheld taxes. The amount withheld will be reported with the tax card. In addition to withheld taxes, some costs related to hiring an employee are the pension insurance contribution, unemployment insurance contribution, accident insurance premium, group life insurance premium and social security contributions.<\/p>\n<p>In practice, the tax card has only one purpose: to tell the employer the withholding rate that they must pay to the tax authorities from your pay.<\/p>\n<p>Finland uses a progressive tax rate, which means that the more money you earn, the bigger your tax rate.<\/p>\n<p>The tax authorities will send all people over the age of 15 a suggested withholding tax rate. If you know of any changes that will affect your income, you should report them to the authorities through the\u202f<a href=\"https:\/\/www.vero.fi\/sahkoiset-asiointipalvelut\/omavero\/\">MyTax\u00a0service<\/a>\u202f and order a new tax card.<\/p>\n<h2 aria-level=\"3\">Just one tax card in 2019<\/h2>\n<p>The foundation of taxation is that you are able to estimate your income amount for 12 months and that you know how much money you will earn during the entire year.\u202fAs different forms of employment and earning money become common, making estimates may be difficult. If you make an incorrect estimate and earn more money than what you have reported, the tax authorities collect the rest of your missing taxes later on.<\/p>\n<p>Unpaid taxes are called back taxes. If your tax rate is too small this year, you will have to pay back taxes at the end of 2020. If you have overestimated your amount of income and paid too much in taxes as a result, you will get tax returns in the same way at the end of the year.<\/p>\n<p>There used to be different tax cards for different forms of employment, but from 2019 onward, you will have a single tax card and income ceiling for the entire year. You can give the same tax card or a copy of it to all your employers.<\/p>\n<p>If there are changes in your level of income, you can order a new tax card from the tax authorities and increase or lower your tax rate as necessary. There will be more details about making a new tax card below. If you do not need to change your income ceiling, but you would like to increase your tax rate, you can simply send a free-form message about the matter to your employer.<\/p>\n<p><img decoding=\"async\" src=\"http:\/\/ukko.fi\/wp-content\/uploads\/2025\/10\/shutterstock_613512248.jpg\" alt=\"tax card\" width=\"800\" height=\"534\" \/><\/p>\n<h2 aria-level=\"3\">The new tax card looks different<\/h2>\n<p>The example image is using a 22% withholding rate, which means that the income ceiling is EUR 39,928. Earnings that exceed this amount will be taxed with a 38% tax rate.<\/p>\n<p>As the Incomes Register becomes active in 2019, it will be easy to track all earned income in one place and almost in real time. \u202fLater, it will also be possible to use the Incomes Register to track paid pension and benefits. You can log on to the Incomes Register with your electronic bank account, for example.<\/p>\n<p>Your employer must report all paid wages to the Incomes Register within five days.\u202f\u00a0UKKO.fi will also report your wages to the Incomes Register.<\/p>\n<p>From the beginning of the year, the information in the Incomes Register will be used by the Finnish Tax Administration, the Social Insurance Institution of Finland, the Unemployment Insurance Fund as well as pension providers and the Finnish Center for Pensions. At the beginning of 2020, the Incomes Register will also be used by unemployment funds, some insurance companies, education funds, municipalities, Statistics Finland, pay security and pay subsidy systems and occupational health and safety authorities.<\/p>\n<h2 aria-level=\"3\">Remember to keep an eye on your income ceiling<\/h2>\n<p>There will no longer be a tax card for secondary income in 2019. The new tax cards will come into effect on 1 February 2019 if you are not going to or have not already ordered a new tax card.<\/p>\n<p>You no longer need to provide the original tax card to your employer. A copy of the tax card will be enough.<\/p>\n<p>With this change, it is more important than ever that you keep an eye on your income ceiling if you have multiple employers.<\/p>\n<p>The easiest and fastest way to deliver your tax card to UKKO.fi is by doing it electronically\u00a0<a href=\"https:\/\/extra.ukko.fi\/user\/send-tax-card\">through your control panel.<\/a><\/p>\n<h2 aria-level=\"3\">How does working using a tax card differ from being a light entrepreneur?<\/h2>\n<p>There is no longer a so-called freelancer tax card, because one tax card and income ceiling will be enough in the future, even if you have multiple employers.\u202fThis means that the taxpayer must keep an eye on their income ceilings and carefully track their total earned income. If the income ceiling is exceeded, you must order a new tax card.<\/p>\n<p>The difference between using a tax card and using an invoicing service is that an invoicing service takes care of all the bureaucracy related to wage payment for both you and your client.\u202fWhen you work using a tax card, it means that your client must take care of all the responsibilities related to wage payment. Many clients think that this is rather cumbersome, especially when it comes to project-based or short-term work, because the clients have to do a lot of extra paper work to hire a temporary employee.<\/p>\n<p>When you operate through an invoicing service such as UKKO.fi, we take care of all the bureaucracy for you. This way, your client only has to pay your bill. Our model makes buying services easy. Do you want to know more about <a href=\"https:\/\/ukko.fi\/en\/light-entrepreneurship\/\" aria-label=\"light entrepreneurship (opens in a new tab)\">light entrepreneurship<\/a>, <a href=\"https:\/\/ukko.fi\/en\/being-self-employed-gives-job-opportunities-in-finland\/\">being self-employed<\/a> or UKKO.fi\u00b4s <a href=\"https:\/\/ukko.fi\/en\/invoicing-service-for-freelancers\/\">invoice service for freelancers<\/a>? Then click on the word you want to read more about.<\/p>\n<h2 aria-level=\"3\">Ordering a new tax card and changes in income<\/h2>\n<p><img decoding=\"async\" src=\"http:\/\/ukko.fi\/wp-content\/uploads\/2025\/10\/shutterstock_1284211594-e1566896706683.jpg\" alt=\"tax card\" width=\"800\" height=\"467\" \/><\/p>\n<p>Currently, a new tax card looks very similar to the actual tax card. This example image has a new tax card with a 21% withholding rate and an income ceiling of EUR 40,000. Therefore, the additional withholding rate is 38%.<\/p>\n<p>A new tax card will need to be used when there are changes in your earned income. With this in mind, make sure that the 12-month income ceiling on your tax card is not exceeded. You should be particularly careful about exceeding your ceiling if you work for several employers during the year.<\/p>\n<p>If there is a significant decrease or increase in your earned income, you should order a\u00a0<a href=\"https:\/\/www.vero.fi\/henkiloasiakkaat\/verokortti-ja-veroilmoitus\/verokortti\/nain-tilaat-verokortin\/n%C3%A4in-tilaat-muutosverokortin-vuodelle-2019-omaverossa\/\">a new tax card<\/a>\u00a0from the tax authorities.\u202fProviding a copy of your new tax card to your employer is enough. You can also give your employer a printed version of the card from the\u00a0MyTax\u00a0service or a PDF version of the card that you have saved on your computer. You can even order a new tax card from the tax authorities via telephone if necessary.<\/p>\n<h2 aria-level=\"3\">The MyTax service is slowly moving tax matters online<\/h2>\n<p>In 2019, you can already take care of most of your tax matters by using the tax authorities\u2019\u00a0MyTax\u00a0service. As an example, you can fill in information related to taxation before you receive the tax return on paper. This way, the tax return that you get mailed to your home will already be filled in correctly.<\/p>\n<p>Furthermore, you can use\u00a0MyTax\u00a0to\u00a0see the payment information of your tax returns and back taxes. While doing that, you can also fill in your bank account number for receiving your tax returns.<\/p>\n<p>If you are tired of the tax authorities sending you physical mail, you should activate electronic messaging at <a href=\"https:\/\/www.suomi.fi\/messages\">https:\/\/www.suomi.fi\/messages<\/a>. When you activate electronic messaging, you will get notifications sent to your email and Suomi.fi messages when\u00a0MyTax\u00a0has new information for you about your tax matters.<\/p>\n<p>This year\u2019s tax cards will still be sent to everyone by mail. After spring 2019, the Finnish Tax Administration will send everyone physical mail about matters that cannot be taken care of on\u00a0MyTax.\u202fThat said, you can still receive physical mail from the Finnish Tax Administration if you want.<\/p>\n<p>For more information about tax cards, go to the\u00a0<a href=\"http:\/\/ohje.ukko.fi\/knowledgebase\/topics\/43011-verotus\">Taxes<\/a>\u00a0section of our FAQ.<\/p>\n<\/article>","protected":false},"author":1,"featured_media":311297,"template":"","meta":{"_acf_changed":false},"tags":[],"education_category":[1433],"class_list":["post-316093","education","type-education","status-publish","has-post-thumbnail","hentry","education_category-taxation"],"acf":[],"yoast_head":"<title>What is a tax card? | UKKO.fi<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ukko.fi\/en\/entrepreneurship-school\/what-is-a-tax-card\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is a tax card?\" \/>\n<meta property=\"og:description\" content=\"Did you know that the tax card changed at the beginning of 2019? There is now only one tax card, and the card and its income ceiling are applicable to all wage income. The change may feel difficult at first, but it makes withholding rates simpler and easier. 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Ukko uskoo maailmaan miss\u00e4 jokainen haluaa olla yritt\u00e4j\u00e4.","sameAs":["http:\/\/ukko.fi"]}]}},"_links":{"self":[{"href":"https:\/\/ukko.fi\/en\/wp-json\/wp\/v2\/education\/316093","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ukko.fi\/en\/wp-json\/wp\/v2\/education"}],"about":[{"href":"https:\/\/ukko.fi\/en\/wp-json\/wp\/v2\/types\/education"}],"author":[{"embeddable":true,"href":"https:\/\/ukko.fi\/en\/wp-json\/wp\/v2\/users\/1"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ukko.fi\/en\/wp-json\/wp\/v2\/media\/311297"}],"wp:attachment":[{"href":"https:\/\/ukko.fi\/en\/wp-json\/wp\/v2\/media?parent=316093"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ukko.fi\/en\/wp-json\/wp\/v2\/tags?post=316093"},{"taxonomy":"education_category","embeddable":true,"href":"https:\/\/ukko.fi\/en\/wp-json\/wp\/v2\/education_category?post=316093"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}},{"id":316090,"date":"2018-01-18T13:15:44","date_gmt":"2018-01-18T11:15:44","guid":{"rendered":"http:\/\/localhost:10586\/education\/light-entrepreneurs-unemployment-security-2018\/"},"modified":"2025-10-28T12:36:30","modified_gmt":"2025-10-28T10:36:30","slug":"light-entrepreneurs-unemployment-security-2018","status":"publish","type":"education","link":"https:\/\/ukko.fi\/en\/entrepreneurship-school\/light-entrepreneurs-unemployment-security-2018\/","title":{"rendered":"Light Entrepreneur&#8217;s Unemployment Security 2018"},"content":{"rendered":"<article class=\"single-content\"><h3>As of 1 January 2018, the new Unemployment Security Act amendment came into effect in Finland. The new changes brought to the unemployment benefit lower the threshold for starting light entrepreneurship as an unemployed jobseeker.<\/h3>\n<p>The new amendment allows unemployed jobseekers to receive unemployment benefits automatically for four months while already engaged in entrepreneurial activities. In other words, the primary or secondary nature of the entrepreneurship will not be assessed during its first 4 months.<\/p>\n<p>When and if the income from entrepreneurial activities starts to grow, it will affect the daily allowance just as it has until now.<\/p>\n<h2>Light Entrepreneurship Easier For Unemployed<\/h2>\n<p>Before, the eligibility for unemployment benefit was lost if the entrepreneurial activities lasted for more than two weeks continuously and were seen as primary in nature by TE-services.<\/p>\n<p>The new change to the Act is significant because until the beginning of this year, any activities as a light entrepreneur while receiving earnings-related daily allowance, were possible only when the entrepreneurship was assessed as secondary in nature. The assessment has been done on case-by-case basis by TE-services.<\/p>\n<p>The new amendment follows the report where Maria L\u00f6fgren (the former Director of Akava) and Harri Hellst\u00e9n, (Head of Labour and market Affairs at the Federation of Finnish Enterprises), identified the development needs of unemployment security for self-employed. The report called for clarifying the regulations on which an unemployed could rely, when aspiring to employ themself as an entrepreneur, without completely loosing their right to receive benefits.<\/p>\n<p>The definition of the secondary in nature entrepreneurship has been causing a lot of insecurity within unemployed jobseekers, which then may have prevented one from starting any, even small scaled, business activities. Before the new amendment, unemployed jobseekers could not have been sure how the TE-office officials would see their entrepreneurial activities, while receiving benefits.<\/p>\n<p>UKKO.fi has partially been involved in preparing the new amendment as our current CEO Aleksi Rautavuori gave the Employment Committee a statement at the end of last year, in which the effects of the amendment for light entrepreneurs were brought up.<\/p>\n<h3>Re-evaluation After Four Months<\/h3>\n<p>The new amendment will clarify the situation for unemployed jobseekers for the first four months, while wanting to simultaneously start light entrepreneurship. Any entrepreneurial activities lasting over two weeks still needs to be notified to the TE-offices, after which they will automatically give the decision for the first four months.<\/p>\n<p>If the jobseeker,\u00a0after the 4-month time period, does not notify that the entrepreneurial activities have ended, TE-services will re-evaluate the situation and make the decision on whether or not the activities can be seen as primary or secondary in nature. If the decision falls on the latter, unemployed jobseeker may still be eligible to receive benefits in addition to the income from the secondary activities as a light entrepreneur.<\/p>\n<p>If the entrepreneurial activities are assessed as secondary in nature after the 4-month time period, the possibility to apply for startup grand remains.<\/p>\n<p>Previously it was not possible for light entrepreneurs to accumulate the unemployment benefit for entrepreneurs, even though their status has, from the beginning of 2016, been &#8220;entrepreneur&#8221; in terms of the Unemployment Act. These days, light entrepreneurs may insurance themselves with YEL, the pension insurance for entrepreneur&#8217;s, which means they can be eligible to unemployment allowance when certain conditions are met. One must work as an entrepreneur for at least 15 months, so that YEL-insurance has been taken for an YEL income estimate of at least 12 576\u20ac \/12 kk (2018). The conditions are met only as a <a href=\"http:\/\/www.ayt.fi\/fi\/tule-jaseneksi\/kevytyrittajan-tyottomyysturva?ref=u\" target=\"_blank\" rel=\"noopener noreferrer\">member of the Unemployment Fund for Entrepreneurs and the Self-Employed.<\/a><\/p>\n<h3>Light Entrepreneurship Means Activity as Well<\/h3>\n<p>The new amendment will most likely increase light entrepreneurship once the information reaches people. The positive effects will also show in the shortening of unemployment periods, as it becomes easier for people to employ themselves. This, on the other hand, will show as reduced costs for the society.<\/p>\n<p><img decoding=\"async\" src=\"http:\/\/ukko.fi\/wp-content\/uploads\/2025\/10\/aktiivisuus_tyoelama_hyppy_ilo.jpg\" alt=\"\" width=\"1024\" height=\"727\" \/><\/p>\n<p>Light entrepreneurship is a way to work so that it benefits all, the unemployed, the employers as well the society. It offers those without an employment as well as those looking to change their field of work a great chance to get to know different businesses and organizations, which are up for hiring a light entrepreneur.<\/p>\n<p>As the clientele grows, light entrepreneurship may prove to be the permanent choice of employment or a &#8220;gateaway&#8221; to starting an own company.<\/p>\n<p>The Government&#8217;s so called &#8220;Active Model&#8221; also became into effect in the beginning of the year.\u00a0Light entrepreneurship, along with the amendment, is also one way to show your activity as an unemployed jobseeker. In the active model, unemployed must show sufficient activity during a 65 payment-day period in order to receive a full benefit for the next equivalent period. If sufficient activity cannot be proved by the unemployed, the unemployment benefit will decrease by 4,65 %.<\/p>\n<p>The entrepreneur&#8217;s employment condition is 246 \u20ac and this also includes income earned as a light entrepreneur.<\/p>\n<p>Do you want to know more general about <a href=\"https:\/\/ukko.fi\/en\/light-entrepreneurship\/\" aria-label=\"light entrepreneurship (opens in a new tab)\">light entrepreneurship<\/a>, <a href=\"https:\/\/ukko.fi\/en\/being-self-employed-gives-job-opportunities-in-finland\/\">being self-employed<\/a> or UKKO.fi\u00b4s <a href=\"https:\/\/ukko.fi\/en\/invoicing-service-for-freelancers\/\">invoice service for freelancers<\/a>? Then click on the word you want to read more about.<\/p>\n<\/article>","protected":false},"author":1,"featured_media":311290,"template":"","meta":{"_acf_changed":false},"tags":[],"education_category":[],"class_list":["post-316090","education","type-education","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<title>Light Entrepreneur&#039;s Unemployment Security 2018 | UKKO.fi<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ukko.fi\/en\/entrepreneurship-school\/light-entrepreneurs-unemployment-security-2018\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Light Entrepreneur&#039;s Unemployment Security 2018\" \/>\n<meta property=\"og:description\" content=\"As of 1 January 2018, the new Unemployment Security Act amendment came into effect in Finland. The new changes brought to the unemployment benefit lower the threshold for starting light entrepreneurship as an unemployed jobseeker. 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on yritt\u00e4j\u00e4henkinen ja utelias tekij\u00e4, joka innostuu uuden ideoinnista, vanhan kehitt\u00e4misest\u00e4 ja vaikuttavasta viestinn\u00e4st\u00e4. 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The amount of these contributions may vary for example depending on employees age, however, the average is usually around 20%.<\/p>\n<p>In reality, the side costs of each salary are higher.\u00a0In Finland, employees are also entitled to annual holiday. This means that whenever company hires an employee they\u2019re entitled for work input of 11 months, although paying salary for 12 months. In addition, there might be a holiday bonus paid, even though this is based on a collective agreement and is not mandatory. You can find out more from <a href=\"http:\/\/tem.fi\/en\/annual-holiday\">here<\/a>.<\/p>\n<p>The actual side costs of each salary are, therefore, around 40-45%. If a company hires an employer with a salary of 2000\u20ac\/month, the actual costs for employer are around 2800\u20ac each month (an estimate). From the <a href=\"https:\/\/www.yrittajat.fi\/palkkalaskuri\">Federation of Finnish Enterprises<\/a>\u00a0you can find a calculator, with which you can get an estimate based on your own salary as an employee.<\/p>\n<p><img decoding=\"async\" class=\"alignnone size-full wp-image-78168\" src=\"http:\/\/ukko.fi\/wp-content\/uploads\/2025\/10\/shutterstock_714094849-1-scaled-1.jpg\" alt=\"\" width=\"2560\" height=\"1709\" \/><\/p>\n<p>The amounts above do not include sick leave days, which are also a reality of employment and a cost for employer. Arranging health care services for employees is also employer cost. The actual expenses of employees are 1,7-2 times the amount of employee\u2019s monthly salary.<\/p>\n<p>When planning on recruiting, it makes sense to calculate whether multiplying the monthly salary of potential employee by two makes a sum that you are able to pay.<\/p>\n<h2>UKKO.fi takes care of all the side costs<\/h2>\n<p>When you work as a self-employed professional and invoice trough UKKO.fi, you know that UKKO.fi takes care of all the necessary side costs when it comes to your salary. This means that neither you or your potential employer&#8217;s don&#8217;t need to worry about them.<\/p>\n<p>All insurance payments, as well as pension payments (<a href=\"https:\/\/ukko.fi\/en\/yel-insurance-what-exactly-is-it\/\">when necessary<\/a>) are deducted from the invoice you have made as a light entrepreneur. This is why the amount that you get to your own bank account isn\u2019t the same as the amount you originally invoice.<\/p>\n<p><img decoding=\"async\" class=\"alignnone size-full wp-image-78174\" src=\"http:\/\/ukko.fi\/wp-content\/uploads\/2025\/10\/side-costs-ukko.fi_-1-1.jpg\" alt=\"\" width=\"792\" height=\"423\" \/><\/p>\n<p>If the total amount of your invoice is, for example, 1000\u20ac it means that the amount you\u2019ll receive as income to your own bank account is usually somewhere around 600-800\u20ac. By using our <a href=\"https:\/\/extra.ukko.fi\/tools\/salary-calculator\/\">salary calculator<\/a>, you can get an estimate on how much salary you&#8217;ll get from an invoiced sum, after all the contributions mentioned above have been deducted.<\/p>\n<p>Questions? Comment below or contact our customer service: asiakaspalvelu@localhost<\/p>\n<p>Do you want to know more about <a href=\"https:\/\/ukko.fi\/en\/light-entrepreneurship\/\" aria-label=\"light entrepreneurship (opens in a new tab)\">light entrepreneurship<\/a>, <a href=\"https:\/\/ukko.fi\/en\/being-self-employed-gives-job-opportunities-in-finland\/\">being self-employed<\/a> or UKKO.fi\u00b4s <a href=\"https:\/\/ukko.fi\/en\/invoicing-service-for-freelancers\/\">invoice service for freelancers<\/a>? Then click on the word you want to read more about.<\/p>\n<\/article>","protected":false},"author":1,"featured_media":311280,"template":"","meta":{"_acf_changed":false},"tags":[],"education_category":[1433],"class_list":["post-316084","education","type-education","status-publish","has-post-thumbnail","hentry","education_category-taxation"],"acf":[],"yoast_head":"<title>Salary Side Costs - What Exactly Are They? | UKKO.fi<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ukko.fi\/en\/entrepreneurship-school\/salary-side-costs-what-exactly-are-they\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Salary Side Costs - What Exactly Are They?\" \/>\n<meta property=\"og:description\" content=\"Remember all the times you\u2019ve made a contract with new employer and negotiated salary? 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Ukko uskoo maailmaan miss\u00e4 jokainen haluaa olla yritt\u00e4j\u00e4.","sameAs":["http:\/\/ukko.fi"]}]}},"_links":{"self":[{"href":"https:\/\/ukko.fi\/en\/wp-json\/wp\/v2\/education\/316084","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ukko.fi\/en\/wp-json\/wp\/v2\/education"}],"about":[{"href":"https:\/\/ukko.fi\/en\/wp-json\/wp\/v2\/types\/education"}],"author":[{"embeddable":true,"href":"https:\/\/ukko.fi\/en\/wp-json\/wp\/v2\/users\/1"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ukko.fi\/en\/wp-json\/wp\/v2\/media\/311280"}],"wp:attachment":[{"href":"https:\/\/ukko.fi\/en\/wp-json\/wp\/v2\/media?parent=316084"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ukko.fi\/en\/wp-json\/wp\/v2\/tags?post=316084"},{"taxonomy":"education_category","embeddable":true,"href":"https:\/\/ukko.fi\/en\/wp-json\/wp\/v2\/education_category?post=316084"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}},{"id":316069,"date":"2017-09-11T06:08:13","date_gmt":"2017-09-11T03:08:13","guid":{"rendered":"http:\/\/localhost:10586\/education\/alejandro-found-photography-through-a-hobby-now-hes-a-professional\/"},"modified":"2026-04-10T09:38:22","modified_gmt":"2026-04-10T06:38:22","slug":"alejandro-found-photography-through-a-hobby-now-hes-a-professional","status":"publish","type":"education","link":"https:\/\/ukko.fi\/en\/entrepreneurship-school\/alejandro-found-photography-through-a-hobby-now-hes-a-professional\/","title":{"rendered":"Alejandro Found Photography Through a Hobby &#8211; Now He&#8217;s a Professional"},"content":{"rendered":"<article class=\"single-content\"><h3>Who are you?<\/h3>\n<p>I&#8217;m a Spanish photographer. I&#8217;ve been living in Finland since 2005. Like most Finns, I like it here in the summer and complain about the weather during winter.<\/p>\n<p>I&#8217;ve always been a visual person. For me, photography started just as a hobby without even thinking that it could be a profession. Since I was a kid I&#8217;ve created images in my mind. I always wanted to draw and paint them but I wasn&#8217;t really good at it. When I got my first camera I realized I could suddenly make those images without being good at drawing.<\/p>\n<p><!--more--><\/p>\n<h3>What do you do for a living?<\/h3>\n<p>I take photos of people. That&#8217;s what I like and that&#8217;s what I always tell people.<\/p>\n<p>For work I do portraits and event photography for both, individuals and companies. I also teach photography at my studio and\u00a0every once in a while I do artistic shots too.<\/p>\n<h3>How did you end up being a light entrepreneur?<\/h3>\n<p>Being a freelancer is a norm when you&#8217;re a photographer. I tried having a trade name when I first started in 2008 but had a rough start with the economy collapse and all. Once I was adviced that sometimes even good idea requires time &#8211; the most important thing is to hang on until it takes off.<\/p>\n<p>While I wasn&#8217;t having enough work a friend suggested me to try teaching photography. I contacted several schools and got accepted into Helsingin Aikuisopisto, where I\u00a0taught succesfully for a few years after which I moved into my own studio.<\/p>\n<p>Meanwhile I discovered about the billing companies and then took the chance to start trying to get photography gigs again &#8211; even if would just be every once in a while. I started growing from there.<\/p>\n<p><img decoding=\"async\" class=\"alignnone size-full wp-image-78181\" src=\"http:\/\/ukko.fi\/wp-content\/uploads\/2025\/10\/self-portrait-with-my-dog-fire-and-snow-alejandro-lorenzo-1.jpg\" alt=\"\" width=\"2500\" height=\"1667\" \/><\/p>\n<h3>What is the best part of your job?<\/h3>\n<p>There are many sides to it. The creative part along side with the technical challenges are a good combo that always keeps it interesting and evolving. I especially like meeting people and learning from experiences.<\/p>\n<p>Meeting them and working with them is an important part of the process. People are happy to meet you, to communicate with you and participate with you to build what they want or need. Whether that&#8217;s just about business or something personal , I feel like the guest who came to help with something.<\/p>\n<h3>How does your typical work day look like?<\/h3>\n<p>Besides the fancy part of taking pictures, of course, I have a lot of typical freelance work. I take care of my social media and my\u00a0web page and then I try to\u00a0learn new tricks and get more clients. Of course i shoot and edit, but besides that there&#8217;s really not much of a regular day. Teaching is perhaps something that I do more routinely, but even there I meet\u00a0 lots of new people too.<\/p>\n<p>All\u00a0my works and the people\u00a0I photograph\u00a0differ so much from each other. I have been to refugee centers, old people&#8217;s houses, disco parties, rock concerts, business events, weddings and even my own art exhibitions and much more.<\/p>\n<p>Photographing is pretty much seasonal work too: summer is mostly about weddings and the rest of the year is mostly company clients and teaching.<\/p>\n<h3>How do you want to improve yourself?<\/h3>\n<p>My favorite teachers where these two old men. They didn&#8217;t know each other but agreed on one thing: the learning never ends.<\/p>\n<p>I wanna be\u00a0like them.<\/p>\n<h3>Greetings and tips for other light entrepreneurs?<\/h3>\n<p>If you&#8217;re just starting, find a way to keep working on it. It&#8217;s not only the getting clients that takes time, but there will be failures and catastrophes along the the way too. Just keep on working and learn.<\/p>\n<p>Also, if you don&#8217;t have clients yet, try to keep active. Collaborate, offer your services to a friend or whatever &#8211; it&#8217;s all up to you. It will give you experience and something to show.<\/p>\n<p>You can admire\u00a0Alejandro&#8217;s own work at his<a href=\"https:\/\/www.alejandrolorenzo.com\/\" target=\"_blank\" rel=\"noopener noreferrer\"> website\u00a0<\/a>. You can reach\u00a0him also\u00a0on <a href=\"https:\/\/www.facebook.com\/AlejandroLorenzoPhotography\" target=\"_blank\" rel=\"noopener noreferrer\">Facebook<\/a>\u00a0and <a href=\"https:\/\/www.instagram.com\/alluphotography\/\" target=\"_blank\" rel=\"noopener noreferrer\">Instagram<\/a>. If you got inspired and wanna learn all the tricks of photography,\u00a0you\u00a0can\u00a0sign up for courses<a href=\"http:\/\/valokuvauskurssi.fi\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u00a0here<\/a> and learn from Alejandro himself!<\/p>\n<p>Do you have a story about becoming a light entrepreneur? We&#8217;d love to hear it! In order to be featured on our blog, please fill in the application <a href=\"https:\/\/ukko.fi\/haluatko-viikon-kevytyrittajaksi\/\" target=\"_blank\" rel=\"noopener noreferrer\">here<\/a> (unfortunately in Finnish, but you can match your answers with the questions\u00a0in this post).<\/p>\n<p>Do you want to know more about <a href=\"https:\/\/ukko.fi\/en\/light-entrepreneurship\/\" aria-label=\"light entrepreneurship (opens in a new tab)\">light entrepreneurship<\/a>, <a href=\"https:\/\/ukko.fi\/en\/being-self-employed-gives-job-opportunities-in-finland\/\">being self-employed<\/a> or UKKO.fi\u00b4s <a href=\"https:\/\/ukko.fi\/en\/invoicing-service-for-freelancers\/\">invoice service for freelancers<\/a>? Then click on the word you want to read more about.<\/p>\n<\/article>","protected":false},"author":1,"featured_media":311261,"template":"","meta":{"_acf_changed":false},"tags":[],"education_category":[1431],"class_list":["post-316069","education","type-education","status-publish","has-post-thumbnail","hentry","education_category-type"],"acf":[],"yoast_head":"<title>Alejandro Found Photography Through a Hobby - Now He&#039;s a Professional | UKKO.fi<\/title>\n<meta name=\"description\" content=\"Read Alejandro\u2019s journey from hobby photographer to professional entrepreneur and get inspired.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ukko.fi\/en\/entrepreneurship-school\/alejandro-found-photography-through-a-hobby-now-hes-a-professional\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Alejandro Found Photography Through a Hobby - Now He&#039;s a Professional\" \/>\n<meta property=\"og:description\" content=\"Read Alejandro\u2019s journey from hobby photographer to professional entrepreneur and get inspired.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/ukko.fi\/en\/entrepreneurship-school\/alejandro-found-photography-through-a-hobby-now-hes-a-professional\/\" \/>\n<meta property=\"og:site_name\" content=\"UKKO.fi\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Ukko.fi\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-10T06:38:22+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ukko.fi\/wp-content\/uploads\/2025\/10\/alejandro.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2500\" \/>\n\t<meta property=\"og:image:height\" content=\"1667\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@Ukko_fi\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/ukko.fi\\\/en\\\/entrepreneurship-school\\\/alejandro-found-photography-through-a-hobby-now-hes-a-professional\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/ukko.fi\\\/en\\\/entrepreneurship-school\\\/alejandro-found-photography-through-a-hobby-now-hes-a-professional\\\/\"},\"author\":{\"name\":\"Ukko.fi\",\"@id\":\"https:\\\/\\\/ukko.fi\\\/en\\\/#\\\/schema\\\/person\\\/3206c286719b165b4838515919904651\",\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/ukko.fi\\\/wp-content\\\/uploads\\\/2025\\\/12\\\/ukko.fi-fpxrkc.jpg\"}},\"headline\":\"Alejandro Found Photography Through a Hobby &#8211; 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Being available and answering these\u00a0requests with an offer\u00a0in a reasonable time is a basic skill that every light entrepreneur should know.\u00a0Unfortunately, these skills are often neglected.<\/p>\n<p>Not giving an answer to\u00a0a Request for Proposal (RFT)\u00a0is bad service and will affect your business, as well as your image. In the era of social media, the intel about bad service will get around quickly and therefore it should be taken seriously.<\/p>\n<p>In fact, taking care of potential clients is the most important thing in any business. It\u2019s also the easiest way to turn your potential client into a paying one. Remember, that once someone has made the effort of sending you a request, he or she has also most likely\u00a0made the decision to buy and use your service as long as\u00a0the price is right.<\/p>\n<p><a href=\"http:\/\/ukko.fi\/wp-content\/uploads\/2025\/10\/tarjoustietokonefreelancernainenofferetatyo-scaled-1.jpg\"><img decoding=\"async\" class=\"alignnone size-full wp-image-71755\" src=\"http:\/\/ukko.fi\/wp-content\/uploads\/2025\/10\/tarjoustietokonefreelancernainenofferetatyo-scaled-1.jpg\" alt=\"\" width=\"2560\" height=\"1466\" \/><\/a><\/p>\n<p>At this point, the hardest work is done and the sell is already about to happen \u2013 but how to respond?<\/p>\n<p>Once you\u2019ve received an offer request, try to answer it as quickly as possible. Most likely you\u2019re not the only person the potential client has approached, so by being fast with your response you make sure you don\u2019t get beat to the punch. Even if the price of\u00a0your competitor is higher, the client might take up on his or her offer just because it\u2019s already there. Why? Because quick response, means quick and friendly customer service and tells your client that you care.<\/p>\n<p>Instead of replying with a pdf-file full of price options and references,\u00a0answer the questions that appear in the offer. And no, link to your website is not enough.\u00a0As stated, the same offer might have been send to many different providers, so if your response doesn\u2019t make you seem interested on the job, it\u2019s likely that it won&#8217;t get picked over someone else\u2019s that does. Giving a price for the exact proposed work will make you comparable and easy to approach.<\/p>\n<p>In short, your response for an offer should be precise and answer the questions your potential client has asked. Be specific and you\u2019ll avoid any unnecessary misunderstandings. If you receive many almost identical offers, there\u2019s nothing wrong in making a model message that you can use as a basis for them all.<\/p>\n<h2>Here are the 7 tips to use when answering an offer:<\/h2>\n<ol>\n<li>Refer back to the offer you have received.<\/li>\n<li>Mention the name of your service already in the headline of your message.<\/li>\n<li>Explain the quality, quantity and price of your service with a description of your product or service.<\/li>\n<li>What are the benefits of using your service? Explain this to the customer.<\/li>\n<li>Remember to mention whether VAT is included or not.<\/li>\n<li>Describe the payments terms. When there\u2019s a product, there should also be an estimated delivery time.<\/li>\n<li>Finally, make sure you write down a validity period.<\/li>\n<\/ol>\n<p><a href=\"http:\/\/ukko.fi\/wp-content\/uploads\/2025\/10\/tarjousyhteistyotyopariasiakassopimus-scaled-1.jpg\"><img decoding=\"async\" class=\"alignnone size-full wp-image-72525\" src=\"http:\/\/ukko.fi\/wp-content\/uploads\/2025\/10\/tarjousyhteistyotyopariasiakassopimus-scaled-1.jpg\" alt=\"\" width=\"2560\" height=\"1706\" \/><\/a><\/p>\n<h2>Make sure you know these things before making an offer<\/h2>\n<p>According to the Finnish law, an offer and a response are binding both, written and spoken. Advertisement or a product pamphlet is not considered an offer and therefore it is not binding.<\/p>\n<p>Once you have given your response, you have determined the terms for the job or project in question. Therefore, you should aim to make the response as clear as possible \u2013 not just a pdf with a price list.<\/p>\n<p>Your response to the client\u2019s inquiry is binding until the deadline you have written down in your response. If the client declines your response or doesn\u2019t reply to it at all, there\u2019s no deal. To avoid confusion, always write down an exact date instead of a vague \u201cthe offer is valid or available for three weeks\u201d. If there\u2019s no set deadline, the agreement is binding for a reasonable period of time. This ends if the offer is declined, a competing offer is accepted the deadline for accepting the offer has passed.<\/p>\n<p>If either party wants the agreed or suggested price to be just an estimate, this should be clearly stated in the agreement. This might happen, for example, when the prices of the products or ingredients used for the service might vary depending on the season (e.g. food\/catering).<\/p>\n<p>Do you want to know more about <a href=\"https:\/\/ukko.fi\/en\/light-entrepreneurship\/\" aria-label=\"light entrepreneurship (opens in a new tab)\">light entrepreneurship<\/a>, <a href=\"https:\/\/ukko.fi\/en\/being-self-employed-gives-job-opportunities-in-finland\/\">being self-employed<\/a> or UKKO.fi\u00b4s <a href=\"https:\/\/ukko.fi\/en\/invoicing-service-for-freelancers\/\">invoice service for freelancers<\/a>? Then click on the word you want to read more about.<\/p>\n<\/article>","protected":false},"author":1,"featured_media":311272,"template":"","meta":{"_acf_changed":false},"tags":[],"education_category":[1460],"class_list":["post-316076","education","type-education","status-publish","has-post-thumbnail","hentry","education_category-starting-a-business"],"acf":[],"yoast_head":"<title>How to Respond to a Request for Proposal | UKKO.fi<\/title>\n<meta name=\"description\" content=\"Tips for responding to RFPs effectively and winning more projects as a freelancer or entrepreneur.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ukko.fi\/en\/entrepreneurship-school\/how-to-respond-to-a-request-for-proposal\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Respond to a 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