1 — Read the requirements to check whether you qualify.
2 — Fill in the application form. You don’t need any documents yet.
3 — You’ll receive a confirmation email with a link to part 2 of the form and instructions about which documents we need from you.
4 — Complete part 2 and upload your documents (Chamber of Commerce extract and a PDF of your pension provision, showing when you started).
5 — Within two weeks you’ll hear whether your application has been approved, rejected, or whether we need additional information.
6 — You’ll receive an email with the outcome. If your application is approved, it will include instructions for claiming. If your application is rejected or we have questions, we’ll explain why.
7 — Did you take out a provision on or after 1 January 2025? Then you’ll receive the stimulansbonus (a bonus to encourage you to get covered). You don’t need to do anything — we’ll transfer the amount within three weeks.
8 — Within your application period, you decide for yourself when to claim. Contributed more than €900? Then you can claim the maximum amount of €450 straight away. You can claim up to 12 weeks after your application period ends.
9 — We’ll send you one reminder. Instructions on how to claim are in your approval email.
10 — Submit your claim following the instructions in that email.
11 — You’ll receive a confirmation by email. Within three weeks the amount will be transferred to your account.

Unfortunately not. The target group is based on what Statistics Netherlands (CBS) defines as the cultural and creative sector. Check the SBI target group list to see which codes qualify. It’s also possible that you’re registered under the wrong SBI code. See below for what you can do in that case.

Contact the Chamber of Commerce to find out whether a change is possible. If your new SBI code appears on our list, you can then submit an application.

Yes. Even if you’re part of a general partnership, you’re still considered self-employed and you qualify.

Yes. The scheme is only for self-employed professionals who are registered as a business owner with the Chamber of Commerce. Freelancers who work through a payroll company do not qualify.

No. You can only submit an application once you already have a pension provision in place. We assess your application based on a document showing that you’ve arranged a provision.

Yes, if you make voluntary extra contributions to your pension fund. The scheme is also open to self-employed professionals who work as an employee alongside their freelance work.

As long as there is budget available. If you have any questions about this, send us an email.

Platform ACCT stands for Platform Arbeidsmarkt Culturele en Creatieve Toekomst (Labour Market Platform for the Cultural and Creative Future). We work towards a stronger position in the labour market for everyone working in the cultural and creative sector. Platform ACCT is funded by the Ministry of Education, Culture and Science. You may sometimes see the name ‘Oog voor Impuls’ in our email addresses and web links. This is a programme within Platform ACCT, focusing on three themes: pensions, disability, and bogus self-employment. The Nu voor Later scheme falls under this programme.

If you took out a pension provision for the first time on or after 1 January 2025, you qualify for the stimulansbonus (a bonus to encourage you to get covered). The bonus is paid out within three weeks of your application being approved.

Nothing. You decide for yourself when to claim. For example, once you’ve paid in more than €900, or once you reach the end of your application period. When you submit your claim, you state the total amount you’ve paid in and include proof of this.

A document showing that you have a pension provision. This can be an annuity policy, proof of opening an annuity account, or proof from your pension fund. Are you saving through a collective pension scheme? Then it needs to show that you’re making voluntary extra contributions.

Yes. Premiums for an individual pension provision are tax deductible. You can deduct them from your taxable income in box 1. The contribution you receive from us is subtracted from the premiums paid.

Not sure? Consult a tax adviser.

No. Premiums for an individual pension provision are personal expenses, not business costs. Always enter your personal IBAN when submitting your application.

No. You submit the application yourself, due to privacy legislation.

Your approval email explains exactly how this works. You can claim after your application period ends, or as soon as you’ve paid in more than €900. You have up to 12 weeks after your application period ends to submit your claim. After that, the option expires.

Your personal account. Premiums for a pension provision are held in a personal capacity and are treated for tax purposes as personal expenses — not business costs. That is why you cannot enter a business account number.

An annuity is a periodic payment you receive from a certain age or a certain point in time. You take out an annuity with a financial institution (annuity account) or an insurer (annuity insurance).

Annuity insurance is a type of insurance that lets you save for extra income later in life. You pay premiums until retirement, which are tax deductible under certain conditions. From an agreed date, you receive a fixed periodic payment. You pay tax on that payment.

An annuity account is a blocked investment or savings account with a bank or investment firm. You can pay into it as often and as much as you like. The money stays locked in until you retire — you can’t withdraw it early without paying tax and a penalty.

The amount you pay into your annuity is deductible from your taxable income. So you get part of it back through your tax return. More information can be found on the Belastingdienst (Dutch Tax Authority) website.

Only provisions where you save tax-efficiently and the saved amount is later converted into a periodic payment. These are: annuity insurance, an annuity account, or, if you’re an employee alongside your self-employed work, voluntary extra contributions to your pension fund.

Unfortunately not. You only qualify if you save through an annuity account, annuity insurance, or voluntary extra savings in a collective pension scheme.