Temporary benefit for self-employed persons (Tozo)

Do you live in the Netherlands? Stay on this page to apply for support for living expenses and/ or a loan for your working capital. Do you live across the border and have a company in the Netherlands? You can apply for a loan for working capital on this page. 

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. Tozo 1 ended at the end of May. Tozo 2 runs until  1 October 2020. Tozo will also continue after 1 October. Applications for Tozo 3 will be accepted between 1 October 2020 and 30 June 2021. 

Questions? Call or mail us!

  • Do you live in the Netherlands? Call +31 (0)43 350 60 46 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 2 open until 1 October

Tozo 1 (the support scheme which was in effect from 1 March to 1 June) is now closed. You may now apply for Tozo 2. This scheme will run until 1 October and applications can be sent retroactively until 1 June. You can apply for support for living expenses under  Tozo 2 for a maximum of 4 months. One important change in Tozo 2 with respect to Tozo 1 is that your partner’s income is considered in the calculation of the support for living expenses you are eligible to receive. In addition, under Tozo 2 it is not possible to apply for a loan for your working capital if you have applied for or received suspension of payment or bankruptcy for you, your business, or one of the partners with whom you work.

  • If you have applied for support for living expenses under Tozo 1, then you will not automatically receive Tozo 2. You should have received the 'Statement of living expenses and extension of Tozo'. We still need addition information from each entrepreneur who applied for Tozo 1. You will read more about this in the statement. In addition, you can indicate in this statement whether you would like to apply for an extension under Tozo 2. It is important that you complete this statement. Without this statement, we cannot assess your application for Tozo 1 support for living expenses or the Tozo 2 extension. More information about the statement and how to return it can be found in the drop-down menu at the bottom of this page. 
  • If you didn't submit an application for Tozo 1 but you would like to apply for Tozo 2, the application process has been open since 1 June. Use the form in the blue box.

After 1 October: Tozo 3

As with Tozo 1 and Tozo 2, Tozo 3 also consists of support for living expenses and an option to apply for a loan for working capital (up to a maximum of €10,157 for Tozo 1, 2, and 3 jointly). If you meet the conditions, you can be granted support for living expenses for the months October 2020 to June 2021 inclusive. You can indicate for how many months you wish to apply for benefits. You will soon be able to find more information about applying for Tozo 3 on this page.

Means test
Your partner’s income will continue to be considered in the calculation under Tozo 3 for support for living expenses. Tozo 3 now includes a means test alongside the partner assessment. In order to be eligible for support for living expenses under Tozo 3, you must not have more than €46,520 in accessible funds such as cash, bank balances and savings balances, or shares, bonds and options. Other assets, including those from an owner-occupied home, restricted pension, business premises, machinery, business equipment, and inventories are not covered by the test. If you are submitting an application under Tozo 3, it is not necessary to liquidate parts of your company or independent profession.

‘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. The next phase of Tozo 3 will start on 1 January 2021. 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.

After June 2021

Tozo 3 runs until 30 Juni 2021. This does not mean that support for self-employed professionals will cease after that date. The Assistance for the Self-employed (Bbz) will continue to serve as as safety net. 

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! 

Conditions

  • You are an established self-employed person, 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 you 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 nationality 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.
  • 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. 

In addition, modified conditions are in effect for Tozo 2:

  • 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.

Applications under Tozo 3 are subject to the following additional conditions:

  • You do no have more than €46,520 in accessible funds as cash, bank balances and savings balances, or shares, bonds and options. Other assets, including those from an owner-occupied home, restricted pension, business premises, machinery, business equipment, and inventories are not considered. 

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, income, and - from 1 October 2020 - your accessible funds). 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, Eijsden-Margraten, Gulpen-Wittem, Landgraaf, Maastricht, Meerssen, (formerly) Nuth, (formerly) Onderbanken, Simpelveld, Sittard-Geleen, Stein, Vaals, Valkenburg aan de Geul, and Voerendaal, 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.
  • 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 and 3 schemes jointly. The interest rate of this loan is 2%. The loan must be repaid over a period of at most three (3) years, with payments starting only from 1 January 2021. 

Who can apply?

Entrepreneurs and self-employed persons who are experiencing financial problems due to the COVID-19 pandemic and who live in the municipalities of Beek, Brunssum, Eijsden-Margraten, Gulpen-Wittem, Landgraaf, Maastricht, Meerssen, (formerly) Nuth, (formerly) Onderbanken, Simpelveld, Sittard-Geleen, Stein, Vaals, Valkenburg aan de Geul, and Voerendaal. You must be able to demonstrate that your company is suffering a financial loss due to the COVID-19 pandemic.

For entrepreneurs at the border: 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 (only in Dutch).

Processing

  • We aim to process your application within four (4) weeks.
  • In any case, you will receive a message from us within eight (8) weeks.
  • Advance payments may be given (in the case of support for living expenses).
  • The amount of support for living expenses depends on the income and household situation and is a maximum of €1,503.31 per month (net). In Tozo 2, your partner’s income is also considered. This will be the same for Tozo 3, but with an additional means test.
  • You do not have to pay back the support you receive for living expenses.
  • For the provision of a loan for working capital, you pay 2% interest. Repayments start from 1 January 2021, over a period of at most three (3) years.
  • We are currently busy with 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 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. 

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).

  • Statement

    Information on the 'Statement of living expenses and extension of Tozo'

    You can use the 'Statement of living expenses and extension of Tozo' to provide additional information that we need in order to assess your application for Tozo 1 support for living expenses (for the months March to May 2020 inclusive) and indicate whether you wish to apply for an extension under Tozo 2 ( for the period June to October 2020).

    Please complete and return the statement as soon as possible. Without this statement, we cannot assess your application for Tozo 1 support for living expenses or your Tozo 2 extension. We also won't be able to determine whether you will receive an advance payment from us for the support for living expenses.

    You can return the complete form in two ways:

    • Digitally: via tozoverklaring [at] maastricht.nl
       
    • By mail:
      Sociale Zaken Gemeente Maastricht Heuvelland
      Postbus 4902
      6202 TC  MAASTRICHT, THE NETHERLANDS

    If it is difficult to estimate your income, don't worry. However, keep in mind that you may have pay back an amount to the municipality later on. If the actual income differs from the estimated income, you must inform the municipality. We call this the Obligation to provide information (see below for more information). The municipality will then recalculate the amount of the benefit on the basis of the new data. In that case, you may receive another amount, or you may have to repay an amount.

  • Obligation to provide information

    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 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. 

     You can then set off this income against the benefit. If the benefit has been paid out wrongly or up to an amount that is too high, it can be claimed back afterwards on the basis of the rules that apply in 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. 

     

  • Entrepreneurs in the border region

    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. This can be done 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.