We want to be a socially responsible and growing Finnish light business services company. Which innovatively also develops the employment outlook.
Frequently asked questions
- Expenses, travel allowances
- For businesses
- General questions
- Is Laskuttamo platform right for me?
- Light entrepreneurship in different situations
- Social security and unemployment protection
Work invoiced through Laskuttamo.com does not count towards an employee’s qualifying period.
Under the Unemployment Insurance Act, light entrepreneurs are treated as self-employed for unemployment insurance purposes.Full-time self-employment lasting less than 14 days, i.e. short-term self-employment, does not have to be reported to the unemployment office.
A light entrepreneur is responsible for his or her own social security, just like a self-employed person. If the income to be invoiced during the year exceeds EUR 8261.71 (VAT 0%), the light entrepreneur is also obliged to take out YEL insurance, the level of which can be determined by the light entrepreneur.
Laskuttamo has accident insurance for light entrepreneurs who bill through the billing service. The insurance is valid for work invoiced through Laskuttamo and for travel directly related to this work. Laskuttamo is also covered by liability and legal expenses insurance. It covers light entrepreneurs invoicing through Laskuttamo for invoiced work.
When you sell your skills or services in a commissioned relationship, our invoicing service is for you.
Our service is particularly suitable if you are a start-up or light entrepreneur and do not yet see the need to set up your own business. You can also use the Laskuttamo service if you are an unemployed jobseeker and your business is a sideline, or if you are a student, a pensioner or an employee earning extra income.
Whether you’re selling your skills or a service, you can do as many different types of work and gigs as you like.
In practice, all professional groups can use Laskuttamo services. However, there are certain types of work that require a permit and cannot be invoiced through us. Please also note that our service is not for you if, for example, you are considering retailing goods online or running a business that requires large investments. In that case, we recommend starting your own business.
When you invoice through the invoicing Laskuttamo, you are a so-called light entrepreneur and therefore, according to the Pension Security Centre, you are covered by the self-employed person’s pension insurance (YEL insurance).
You must take out an entrepreneur’s pension insurance (YEL) if your estimated annual income from your business is at least EUR 8 261.71 and you live in Finland.
However, if you only work for one employer under a broader contract, or if you only work part-time, you will not be covered by YEL insurance.
Light self-employment refers to work where the worker is not employed by the company but invoices the company through an invoicing service. Billing services such as Laskuttamocan also be used to bill associations or individuals. A light entrepreneur does not need a company or a business ID to invoice. The light entrepreneur and the company agree on a contract of assignment. The light entrepreneur is not employed by Laskuttamo. For unemployment and social security purposes, a light entrepreneur counts as self-employed.
Our service fees are based on invoicing only.
In practice, this means that the service only pays when you bill your customers. Otherwise, there are no fixed monthly fees for using Laskuttamo. Joining the service is also completely free of charge.
Laskuttamo service fee is 3-4% of the tax-free price, depending on the amount to be billed. It will be charged at the settlement stage on the payment made to your bank account. For a more detailed price list, see the price list page.
You can sell your skills on the side.
Let Laskuttamocom take care of all your invoicing and payroll paperwork, including payments and notifications to authorities.
The light entrepreneurship model is favoured in sectors where labour needs vary a lot from season to season or where the work is of a project nature. Light entrepreneurs are widely employed in sectors such as logistics, construction and event production. The light entrepreneurship model is also suited to the seasonal nature of the tourism and hospitality sector.
Many people who work in a professional capacity are also charged for their work as a light entrepreneur.
There is no need to hire casual, part-time or summer workers, thus avoiding side costs, workers’ insurance and other employer obligations. Laskuttamo takes care of the bureaucracy involved in paying fees, allowing the company to streamline its own financial management. Laskuttamo also takes care of accident and liability insurance and legal expenses insurance for light contractors.
The savings from the light-entrepreneur model can be offered by the company in the form of better compensation for employees, if it wishes.
The fee for the work is freely defined in the contract. The hourly or contractor rate for a light entrepreneur is not the same as the corresponding hourly rate in an employment contract, as the light entrepreneur pays for his/her own social security and pension, among other things, just like a self-employed person. The VAT-free price charged by a light entrepreneur is roughly 1.5 times the hourly rate for similar work. The contract should also specify the work to be carried out outside certain hours, additional work and any other costs.
The light entrepreneur is not an employee of the company and the company is not the employer of the light entrepreneur. A light entrepreneur can be employed not only by a company but also by an association or individual who is not registered as an employer. A light entrepreneur works like a self-employed person, but without a company or a business ID. A light entrepreneur does not receive a salary from his client, but invoices the client for a commission. The sponsor does not have to cover the insurance of a light entrepreneur in the same way as an employer covers the insurance of an employee. The light entrepreneur takes care of Tyel payments himself, while Laskuttamo takes care of accident and liability insurance.
You can register for free as an Laskuttamouser on our website.
Once you have received your login, you can immediately access the functions of our online service. By joining the service, you are not yet committing to anything. You also don’t need a separate contract to use our services. Please read carefully our terms and conditions.
We recommend that you conclude an agreement with the client either in writing or verbally before starting the work.
With Laskuttamo, you can invoice without a company, avoiding all the formalities of setting up a business.
Because we take care of the intricacies of invoicing and accounting for you, you can focus on what matters – your skills. This lowers the threshold for entrepreneurship, especially if you are considering starting your own business on the side. This creates freedoms and opportunities. It also encourages extra income by making billing quick and easy.
Once you have registered for our service, you will have access to our billing tool. It allows you to enter all your invoicing information and we will send the invoice to your client.
When pricing your work, please take into account VAT and other business-related costs, as well as the 3-4% service fee charged by Laskuttamo. For more information, see our service calculator.
You are free to charge customers any amount you want. However, please note that the minimum charge for Laskuttamo is 16€ when you withdraw your commission.
Laskuttamo pays your commission once your customer has paid the invoice.
If the invoice is not paid on time, the Laskuttamo will arrange for payment to be made to the client. If necessary, we will transfer the invoice to a collection agency.
By contracting out instead of contracting in, a company can get people to work quickly and easily. There is no need to worry about redundancies once the job is over. When a company employs several light entrepreneurs, the overall savings can be large. The company can use these savings to invest and improve its operations, or distribute them to employees in the form of better pay.
Contact us so we can calculate how much your business would save by switching to a light-entrepreneurship model.
Yes, you can add charges to the invoice.
What expenses can be deducted?
Expenses that are deductible for tax purposes are the costs of materials and supplies and travel expenses related to the work to be invoiced.