Temporary bridging measure for self-employed professionals (Tozo)

Do you have a company in the Netherlands but live across the border? Click here for the Temporary bridging measure for self-employed professionals (Tozo) loan for working capital for entrepreneurs in the border region.  If you live in the Netherlands, stay on this page.

Victim of water flooding?

The government has plans to allow Limburg entrepreneurs who have been affected by the flooding to make use of existing corona schemes. By these existing schemes it means national schemes: the Temporary Emergency Measures for Bridging Employment (NOW) and the Contribution towards Fixed Expenses (TVL).  At the moment we do not yet know whether entrepreneurs are also entitled to the corona schemes Tozo and TONK after flooding. As soon as we know more, we will inform you via this website.

Before you apply, first read the information

Are you an entrepreneur or self-employed professional and are you having financial problems due to the COVID-19 pandemic? If so, you can apply for temporary financial support. However, you must meet certain conditions. Entrepreneurs in the border region and state pensioners can also apply for all or parts of the Tozo scheme.

Please note: Tozo 5 will run as of 1 July 2021 until 30 September 2021.

If you have any questions, please call or e-mail us!

  • Do you live in the Netherlands? Call 14 043 or send an e-mail to noodmaatregelondernemers [at] maastricht.nl
  • Do you live across the border? Call 31 (0)43 350 60 30 or send an e-mail to bedrijfskapitaalgrensondernemers [at] maastricht.nl.

Tozo 5 available

Many entrepreneurs have less or no income due to the coronavirus. Do you have too little income because of the virus? If so, you can get a temporary supplement to your income from the Temporary Bridge Scheme for Independent Entrepreneurs (Tozo). The benefit will supplement your income up to the social minimum. It is also possible to apply for a loan for business capital (up to a maximum of € 10,157 for Tozo 1, 2, 3,4 and 5 together). 

For you, these rules apply for Tozo support (Tozo 5):

  • The Tozo 5 scheme runs from 1 July 2021 until 30 September 2021.
  • In the month of July you cannot apply for Tozo retroactively. 
  • As of 1 August 2021 you can apply for the benefit retroactively from the previous month. Example: you applied for Tozo on 1 September 2021. Then you can start receiving the benefit as from 1 August 2021.
  • Your partner's income is taken into account when assessing your application. If your household income is higher than the guaranteed minimum income, you will not receive any Tozo benefit. 
  • You do not have to repay the benefit.
  • You must indicate for how many months you need the benefit. 
  • Are you receiving Tozo and does anything change in your situation? If so, please let the municipality know as soon as possible by using the digital change form TOZO. For example, if your income changes. The municipality will then recalculate the amount of your benefit. If you have received too much, you will have to pay it back.

No means test

Your partner’s income will continue to be considered in the calculation under Tozo 5 for support for living expenses. Under Tozo 5 there will be no means test.

‘Thinking about your future options’ support as of 1 January 2021

The Dutch government believes it is important for entrepreneurs to explore their future options and is glad to see that many entrepreneurs are already thinking about this. On 1 January 2021 the next phase of Tozo has started. In this phase, municipalities will support self-employed professionals where possible in preparing themselves for a new future, whether as a self-employed professional or as an employee in paid employment. This support could include coaching, advice, retraining, and reorientation. We will provide more information on this soon.

Applications for Tozo 5

You may now apply for Tozo 5. If you wish to apply, please use the form in the blue box. This also applies if you have previously received Tozo support. You will not automatically receive Tozo 5 and can use the application form in the blue box to make a follow-up application.

If you meet the requirements, you can receive Tozo 5 support for living expenses until 30 September 2021. With retroactive effect from the previous month.  Do you have any questions about this? Please contact us.

Before you apply

Before you apply for the scheme, we strongly advise you to first visit the Dutch government’s website (only available in Dutch) to see whether you are eligible for this scheme! 


  • You are an established self-employed professional, aged 18 years or older. You are eligible to receive a benefit under the Social Assistance (Self-Employed Persons) Decree (Besluit bijstandverlening zelfstandigen, Bbz) to cover living expenses until your retirement age. If you have reached the age at which you are entitled to a state pension, you can only apply for a loan to be used for your working capital.
  • You live in and are a legal resident of the Netherlands.
  • You are a Dutch national or have a nationality that confers the equivalent rights.
  • You meet the legal requirements for operating your own business, including (if your company is located in the Netherlands) being listed in the Commercial Register of the Chamber of Commerce.
  • You started your business before 17 March 2020 and you work at least 1,225 hours annually in your own business or self-employed profession.
  • You live in the municipality from which you are applying for support.
  • As part of your application for support for living expenses, you must provide the (estimated) amount of income of both you and your partner. If your household income is greater than the social minimum, you are not eligible for support for living expenses. 
  • You have not applied for or received a suspension of payment or bankruptcy for you, your business, or one of the partners with whom you work. If this is the case, you will not be eligible for a loan for your working capital. You may, however, apply for support for living expenses provided that you satisfy the conditions.
  • We assume that you will fill in all information completely and truthfully. We will conduct spot checks to investigate whether the financial support has been rightfully provided. 

What does the support consist of?

The scheme offers two forms of financial support.

  • Your income can be supplemented up to the social minimum (depending on your household and income). You do not have to repay this amount. You can apply for support for living expenses in the municipality where you reside. For entrepreneurs who live in the municipalities of Beek, Brunssum, Gulpen-Wittem, Landgraaf, Maastricht, Meerssen, (formerly) Onderbanken, Sittard-Geleen, Stein, Vaals, and Valkenburg aan de Geul, the Municipality of Maastricht (Social Services Department of Maastricht Heuvelland) will process the application. You can apply for the support for living expenses using the ‘Apply’ button in the blue box. From Tozo 5 onwards, the Municipality of Eijsden-Margraten will itself handle the Tozo applications in its municipality. For more information, see the website of SEM.
  • You can apply for an interest-bearing loan of up to €10,157 for working capital to reduce your liquidity problems. The maximum of €10,157 applies for the Tozo 1, 2, 3, 4 and 5 schemes jointly. The interest rate of this loan is 2%. The loan must be repaid over a period of at most five (5) years, with payments starting only from 1 January 2022. 

Who can apply?

Entrepreneurs and self-employed professionals who are experiencing financial problems due to the COVID-19 pandemic and who live in the municipalities of Beek, Brunssum, Gulpen-Wittem, Landgraaf, Maastricht, Meerssen, (formerly) Onderbanken, Sittard-Geleen, Stein, Vaals, or Valkenburg aan de Geul. You must be able to demonstrate that your company is suffering a financial loss due to the COVID-19 pandemic. From Tozo 5 onwards, the Municipality of Eijsden-Margraten will itself handle the Tozo applications in its municipality. 

For entrepreneurs in the border region: Entrepreneurs who have established their business across the border can only apply for the temporary support for living expenses. Entrepreneurs who live across the border and have established their business in the Netherlands can only apply for a loan for working capital via the page  Loan for working capital for entrepreneurs at the border (Tozo).  Use the drop-down menu below to access more information for entrepreneurs in the border region. You can also access an overview of the most important regulations in the Netherlands, Belgium and Germany 


  • We aim to process your application within four (4) weeks.
  • In any case, you will receive a message from us within eight (8) weeks.
  • The amount of support for living expenses depends on the income and household situation and is a maximum of €1627.08 per month (net). Your partner’s income is included in the calculation of this amount.
  • You do not have to pay back the support you receive for living expenses. 
  • We are in the process of completing the final assessment of all application. Sometimes we require additional information from you to do this. If so, we will contact you.

Reporting changes

If you are a business owner and have submitted an application under the scheme, but there have been changes to your personal circumstances, please report this as soon as possible using the  digital change form TOZO. You will need your DigiD to report any changes. This includes changes to your name and address details, your partner’s details, your family income and other income, termination of the Tozo scheme, and repayment of business loans. Once you have filled in the form, we can incorporate the changes in our system and ensure your application is processed properly.

Not satisfied with the handling of your Tozo request?

We will do our best to handle your Tozo request to your satisfaction. Do you still have a complaint about the way we handled your request? Please let us know via the contact form what you are not satisfied with. 

Please note: The contact form is only for complaints about the way your request has been handled. Do you disagree with our decision on your Tozo request? If so, please read how to lodge an appeal on the page Bezwaar (only in Dutch). 

Warning for Tozo application intermediaries

Please note: there are companies that are offering to assist business owners with their application for the Temporary benefit for self-employed persons (Tozo). This assistance is usually not free of charge and may have financial consequences. If you are an entrepreneur, you do not have to incur any extra costs. We are happy to help you with your application. 

More information

More about the Temporary benefit for self-employed persons (Tozo) can be found on the website krijgiktozo.nl (only available in Dutch). You can find more information about coronavirus in the border region on this page (only available in Dutch).

  • The obligation to provide information as laid down in Article 17 of the Participatiewet (Participation Act) applies to Tozo. This means that everyone who makes use of the scheme is obliged, on their own initiative, to immediately provide any information that may affect the right to the benefit or the amount of the benefit.

    If the self-employed professional has more income during the period that he or she receives social assistance, he or she must inform the municipality. This income can then be offset against the social assistance. If the payment has been made unjustly or an excessive amount has been paid, it can be claimed back afterwards on the basis of the rules as they apply in the Participation Act.

    If the self-employed professional has not provided the correct information or, despite being requested to do so by the municipality, has not provided information on his or her changed circumstances, the obligation to provide information is deemed to have been breached and the Tozo payments will be cancelled or revised on the basis of Article 54 of the Participation Act and recovered pursuant to Section 58(1) of the Participation Act.

    A number of applications were made on the basis of an application form that did not meet all the requirements of Tozo at that time, as the form was submitted before the publication of the general administrative regulation for Tozo. If certain information has not been requested from the self-employed professional, he or she cannot be considered to have breached the obligation to provide information if he or she has not provided this information. In that case, however, the money will be recovered pursuant to Section 58(2) of the Participation Act. It includes the possibility of recovering the costs of the social assistance if overpayment is made for reasons other than a breach of the obligation to provide information. It is not possible to impose an administrative fine if the obligation to provide information has not been breached.

  • How can entrepreneurs in the border region access the Tozo scheme?
    • Entrepreneurs in the border region can apply for support for living expenses if they live in the Netherlands. Entrepreneurs who live across the border and have established their business in the Netherlands are not eligible for support for living expenses in the Netherlands. For this support, they can apply to their country of residence. Agreements have been made at EU level that the country of residence is responsible for providing this support for living expenses (also called social assistance). In Belgium, the Public Social Welfare Centre (OCMW) can provide more information about this; in Germany, please consult the JobCenter. In each country, certain conditions apply to the receipt of social assistance.

      In Belgium, the regular (stricter) conditions for receiving subsistence income apply. Please note: this is the regular Belgian social assistance benefit and is not comparable with the Dutch Tozo in terms of the conditions that apply to it. In the assessment of applications for subsistence income, the country in which the business of Belgian residents is located plays no role. This means that applications from persons who live in Belgium and have their business across the border (for example, in the Netherlands) will be considered via the regular procedure. In Germany, the country in which the residents’ company is based also plays no role. Applications from entrepreneurs in the border region are processed via the regular procedure.
    • Entrepreneurs who live across the border and have established their business in the Netherlands may apply for a loan for working capital on the page Loan for working capital for entrepreneurs at the border (Tozo). Entrepreneurs who live in the Netherlands and have established their business across the border are not eligible to apply for a loan for working capital. To receive possible financial support of their business, these entrepreneurs must appeal to the country in which their business is located.