Temporary benefit for self-employed persons (Tozo)

Have a company in the Netherlands but live across the border? Click here for the Temporary benefit for self-employed persons (Tozo) loan for working capital for entrepreneurs at the border. Do you live in the Netherlands? Stay on this page.

Please read the information before you apply

Are you an entrepreneur or self-employed person and are you having financial problems because of the corona crisis? If so, you can request temporary financial support. You must meet certain conditions, however. Entrepreneurs at the border and state pensioners can also apply for the Tozo scheme. The measure has been extended until 1 October 2020. The extended measure is called Tozo 2.

Questions? Call or mail!

  • 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 1 requests are no longer possible, Tozo 2 is 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 request Tozo 2. This scheme will run until 1 October and can be requested retroactively to 1 June. One important change with respect to Tozo 1 is that, in Tozo 2, your partner’s income is included in the determination of the amount of the income support. In addition, in Tozo 2 it is not possible to request a loan for your working capital if you have requested or received suspension of payment or bankruptcy for you, your business, or one of the partners with whom you work.

Have requested income support and/or a loan for working capital under Tozo 1? Then you will not automatically receive Tozo 2. You will receive a personal letter in early June. We still need additional information from each entrepreneur who requested Tozo 1. You will read more about this in the letter. In addition, you can indicate in this letter whether you would like to request an extension under Tozo 2.

Did you not submit a request for Tozo 1 but you would like to apply for Tozo 2? Then you may submit your application from 1 June onwards. Use the form in the blue box.

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! 

Apply with retroactive effective date

If you meet the conditions stated below, you may request temporary support. The website may be busy and, as a result, you may be inconvenienced when trying to submit your request. Please try again later. You can also submit your request effective retroactively to 1 June. It is no longer possible to submit a request for Tozo 1 (the support scheme which was in effect from 1 March to 1 June).

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 have the Dutch nationality or 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 support will be requested.
  • 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:

  • For your request for income support, you must provide the (estimated) amount of income of both you and your partner. This partner income check is new in Tozo 2. If your household income is greater than the social minimum, you are not entitled to Tozo 2.
  • You have requested or received no suspension of payment or bankruptcy for you, your business, or one of the partners with whom you work. If this is the case, however, you will not be eligible for a loan to be used for your working capital under Tozo 2. You may, however, request income support for living expenses provided you satisfy the conditions.

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) for a maximum of three consecutive months. You do not have to repay this amount. You can request income support 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, the Social Services Department of Maastricht Heuvelland will process the application. You can apply for the income support 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 and Tozo 2 measures 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. 

What applies to entrepreneurs at the border?

  • Entrepreneurs at the border can apply for income support if they live in the Netherlands. Entrepreneurs who live across the border and have established their business in the Netherlands are not eligible for income support for living expenses in the Netherlands. For this support, they can apply to their country of residence. At the European level, agreements have been made that the country of residence is responsible for providing income support (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 for the receipt of social assistance.

    In Belgium, the regular (more difficult) conditions for receiving subsistence income apply. Caution! This is the regular Belgian social welfare benefit which, in terms of conditions, is not comparable with the Tozo in the Netherlands. In the assessment of requests for subsistence income, the country in which the business of Belgian residents is located plays no role. This means that requests 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, as well, the country in which the business of residents is located plays no role; requests from entrepreneurs at the border are handled 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 of 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 of working capital. For possible financial support of their business, these entrepreneurs must appeal to the country in which their business is located. 

Who can apply?

Entrepreneurs and self-employed persons who are experiencing financial problems because of the corona crisis 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 because of the corona crisis.

For entrepreneurs at the border: Entrepreneurs who have established their business across the border can only apply for the temporary income 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 of working capital for entrepreneurs at the border (Tozo)

Processing

  • We aim to process your request 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 income support for living expenses).
  • The amount of the income support 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.
  • You do not have to pay back the income support 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 requests. Sometimes we require additional information from you to do this. In that case, we will contact you.

Warning for Tozo application intermediaries

Please note: Currently, there are companies who are offering to assist entrepreneurs with their application for the Temporary benefit for self-employed persons (Tozo). This assistance is usually not free of charge and possibly not without financial consequences. You as an entrepreneur do not have to incur any extra costs. We are happy to help you with your application. 

National emergency fund

The Dutch government has also made an emergency fund (TOGS, reimbursement for economic loss due to COVID-19) available for entrepreneurs who are affected by the government measures to combat the corona crisis and who are seeing their revenues decrease considerably or disappear entirely. They can claim an amount of €4,000. You can apply to this emergency fund at the Netherlands Enterprise Agency (RVO).

More information

More about the Temporary benefit for self-employed persons (Tozo) scheme 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).