I build small web applications for my personal needs all the time by just regular programming, and I'm saving so much money by using them and not some proprietary app. Not even mentioning the advantages that it is completely bespoke, runs local and gives me peace of mind data-wise.
Some wise man once said that personal computers are a bicycle for the mind. Programming your own programs is the most pure way you train on that bicycle.
What I don't understand is, we got a lot of help from RVO, Belastingdienst etc before and during incorporation. Nobody talked about this! We got sone numbers from Belastingdienst about social security contributions per sector, but like 15% cut per employee wasn't mentioned once. To this date I don't know what legal basis do they have to ask for this amount of contribution. Nobody mentioned any law, or a decision by ministery of social affairs. Very strange to deal with this, because it's literally someone showing up and asking for money without telling even based on what.. It gave very strong gang vibes, which was surprising for me as I was always a member of a trade union.
I quickly checked their website and it's a little unclear (so don't consider this legal advise), but their legal basis is probably the CAO. If that particular CAO has been made mandatory by law (which happens for certain industries that need tighter control from government, like temporary employment agencies), than it automatically applies to companies doing the exact work that's described in the CAO ('werkingssfeer').
It's a shame that RVO and Belastingdienst did not warn you correctly. The Netherlands does not want entrepreneurs, they want everybody cozy at their jobs at some big company.
Do you happen to be in or around Nijmegen with your chip development?
We Dutch are proud how easy it is to do business here. Maybe, compared to some other countries. But starting a BV here and 1 month later finding a representative of a trade union (metal sector, which somehow semiconductors fall under together with car garages, petrol stations, steel factories..) and asking me to come to their office in person to explain what we do, and calculate how much their cut will be was weird at first. Of course being extremely busy with actual business, I forgot, and got a letter with an 100k Euros invoice attached. Apparently they assumed 15 employees with 45k gross salary, and thought this is a fair trade union contribution! When I didn't respond to that, while discussing it with our lawyers, they sent a fine over this invoice which made it 140k. This is all within 3-4 months of registering mind you! At the end the lawyers handled that, but yeah, what the hell..
You probably have all the info right now, but make sure everything is 'in line'. I mean, have your company codes at the tax authority match the applicable union match the actual things that your company does. Depending on the jobs of the employees, it might be smart to split the company into multiple legal entities.
All in all you can be happy that this happened within a couple of months. Finding this out when you're years underway and then having to pay millions... I've seen plenty of these cases.
Want to start a business in The Netherlands? Make sure to do a 'CAO check' first, think about how to structure your company (one entity? multiple entities? what job goes where?), and do these checks again once you pivot or make certain changes to the actual work that your company does.
The rationale for this is also pretty simple: somebody got to pay for all this nice social security. They say it's part of the risk of being an entrepreneur.
I also wrote a blogpost about it: https://www.heyhomepage.com/?module=blog&link=1&post=4
Raspberry Pi 4 that served as my daily driver for around three years.
A couple of dumbbells that got me started with weight training, and kept me going during covid. Together with the basic equipment that I later bought, it saved me hundreds and hundreds of euros in gym memberships.
Best purchase under 10 euros is a simple cube with blank memo notes, that I use for grocery shopping and all kinds of other to do lists.