A light entrepreneur is a person who works independently, sets their own work prices, finds their own customers, and decides when to do their work. Work done through an invoicing service must also be done in assignment relationships; unfortunately, employment work cannot be invoiced through an invoicing service. A light entrepreneur does not need to take care of entrepreneurial bureaucracy and paperwork themselves, but the bisse.fi service handles the bureaucracy on behalf of the light entrepreneur.

Salary is paid to your account immediately when your customer has paid the invoice and the payment appears in our account. We pay salaries until 11:00 PM every day and always pay by instant transfer, so you get your salary the same day.

There are no hidden costs in the bisse.fi service. We do not force you to take additional insurance, nor do we charge for quick salary payments like many other invoicing services. You can choose a service that suits you and be sure that no hidden costs will be deducted from your salary.

With bisse.fi, you can start your business risk-free, send invoices to your customers, operate with a business name, and take advantage of many benefits to save money.

We are always ready to help! If you can't find an answer to your question from our entrepreneurship school, we will help you via WhatsApp chat, phone, or email every day of the year, including weekends and holidays, from 9 am to 11 pm. Feel free to contact us!

bisse.fi is the best invoicing service for you because it offers the most comprehensive benefits to its users and a versatile service with personal customer support. Through bisse.fi's invoicing service, you can easily choose whether you want to employ yourself as a light entrepreneur without a business ID or as a sole trader with a business ID. The invoicing service also provides comprehensive information related to self-employment.

Light entrepreneurship is flexible and suitable for various life situations. Whether you are a student, gig worker, aspiring entrepreneur, retiree, or looking for side jobs alongside your day job, light entrepreneurship offers you diverse opportunities. You can also work full-time as a light entrepreneur.

The minimum age is 15 years. Users under 18 require written parental consent to use the service. There is no upper age limit. Minors can also use our service, but the minimum age is 15 years. Minors also always need a tax card for salary payments.

Yes, you can! If you already have your own company (e.g., sole proprietorship), you can also use the bisse.fi service for invoicing other assignments. You can choose whether to invoice as a light entrepreneur without a business ID or through your company. We help you find the most sensible option tax-wise and administratively.

Yes, you can, when it comes to your own work or products you have made yourself. If it involves reselling (buying and reselling goods), you usually need a business ID. We advise you on which option best suits your activities.

Yes, they can! Household work invoiced through bisse.fi, such as cleaning or renovation services, entitles to household deduction. All necessary information is marked on the invoice so your customer can easily make the deduction on their tax return.

Yes, you can! bisse.fi enables invoicing foreign companies and customers as well. We take care of proper VAT handling and currency invoicing outside the EU and EEA area.

No, you do not need to. You can also work with one customer, but if you do continuous work for one client, the TE office may interpret it as an employment relationship. We always advise you according to the situation so that your activities remain safe and legal.

Yes, you can collaborate, but everyone must invoice their own share. If needed, we help you with practical arrangements so that the invoicing goes correctly.

A service agreement should always be made before starting work. It protects both parties and clarifies what has been agreed upon. bisse.fi offers ready-made templates that help you draft an agreement easily.

You cannot invoice work whose invoicing is prohibited without your own company or that requires official permits (e.g., healthcare or taxi industry work). We help you determine if needed whether your work falls under licensed activities.

Most goods and services are subject to the general VAT rate of 25.5%. Additionally, there are services taxed at a lower VAT rate that concern light entrepreneurs:

• 14% VAT: Sale of restaurant and catering services (excluding alcohol and tobacco products), Sports and physical exercise services
• 10% VAT: Newspapers and magazines (printed and electronic publications), Broadcasting services
• 0% VAT: Reverse VAT in the construction sector, fees and invoices for performing artists or other public performers or athletes, and invoices to foreign companies under certain restrictions

From a tax and accounting perspective, you are considered an employee. However, under unemployment security law, you are considered an entrepreneur from January 1, 2016. According to the decisions of pension insurance companies, you are also included under the entrepreneur's pension insurance from May 1, 2017, if the conditions are met.

You must take out YEL insurance when the conditions are met. YEL insurance can also be taken retroactively but must be taken within six months from the time the YEL insurance conditions are met.

When you work with a tax card, your client must handle all payroll-related obligations, which can be time-consuming. Many find this cumbersome and even impossible. Why should they spend hours dealing with taxes in addition to making payments?

Through our service, all bureaucracy is handled for you, and the client only needs to pay the invoice. When you invoice through bisse.fi, purchasing your services becomes much easier!

The services offered by invoicing companies are practically identical, so it is important to understand that you may pay multiple times for the same basic service in many invoicing companies. Differences between invoicing services are mainly: service fee, salary payment speed, customer service, usability of the service, and insurance. When choosing an invoicing service, it is important to consider your own needs and compare different options based on these criteria.

Light entrepreneurship is also cost-effective for the company purchasing the services. Hiring a light entrepreneur is effortless because the ordering company does not have to handle the bureaucracy related to hiring and reporting an employee. It is easy and frictionless for the ordering company to buy services from a light entrepreneur because the company only has to pay the invoice. Thus, both parties avoid unnecessary paperwork.

A person or light entrepreneur using an invoicing service like bisse.fi is considered an employee for tax purposes but may have a statutory obligation to pay YEL, the entrepreneur's pension insurance, if the YEL conditions are met:

• You are 18-68 years old
• Light entrepreneurship through the invoicing service is recurring, meaning you send more than one invoice and your activity as a light entrepreneur or entrepreneur continues for at least four months
• Your income is at least 9,208.43 euros over a 12-month period (2025)
• You are not receiving a pension under the employment pension laws

You do not automatically lose the startup grant. The startup grant is awarded by the TE office on a case-by-case basis. Many light entrepreneurs have received the startup grant later when transitioning to full-time entrepreneurship. If needed, we help you prepare for the application.