Simple business investing for your company

Are you a DGA or business owner in the Netherlands? Don’t leave the funds in your business idle—invest them with a Peaks Business account. Peaks is introducing a straightforward investment solution for registered BVs, designed especially for those who want to keep it simple. Here’s how a Peaks business investment account can make business investing accessible and beneficial.

What does it mean to invest via your bv?

Investing through your business, or using a business investment account, means that you’re using your company’s funds to invest in the market on behalf of the business itself, rather than investing privately. Since these funds aren’t immediately subject to personal taxation, business investing can offer potential tax advantages. For entrepreneurs looking to build wealth over the long term, this setup can be especially appealing.

Whether business or personal investment is more tax-efficient depends on individual circumstances. 

Simplifying the paperwork: business investing without the hassle

Business investing often comes with a heavy administrative load. For instance, you typically need to submit:

• A recent (certified) company registration from the Chamber of Commerce (KVK)
• A document from the Ultimate Beneficial Owner (UBO) register

Some providers may also require additional documents, such as:

• A document outlining relationships between company entities
• A copy of your company’s statutes
• A form to determine your business’s foreign tax status

We understand that paperwork can often be an obstacle for business owners, and that it feels especially tiresome when your business has a simple company structure. That’s why Peaks is now offering a simplified process for business owners with small, single-owner, single-director companies that are solely based and taxed in the Netherlands.

Business investing made simple with Peaks

For entrepreneurs with straightforward business setups in the Netherlands, Peaks now offers a streamlined business investment account. No lengthy paperwork is required—simply provide your KVK registration number and LEI code, and you’re ready to start. Peaks business accounts include:

1. Business investment account – This account allows you to invest in a diversified portfolio of sustainable ETFs (Exchange Traded Funds) designed to maximise long-term returns.
2. Business interest account – This account is tailored for conservative investors who prefer a lower risk option, investing in a money market fund that provides a competitive variable interest rate.

Business investing through Peaks: the benefits

In addition to the ease of opening an account with Peaks, business investors enjoy several additional benefits.

1. Control without the complexity

Peaks offers the best of both worlds—allowing you to take control of your investments without needing to manage every detail. You can select a ready-made portfolio assembled by Peaks to invest in diversified assets globally, or you can create a custom ETF portfolio to meet your specific investment goals.

The Peaks app provides live updates on how your investments are performing and projects their potential future value. Plus, you have the freedom to withdraw funds from your business account as needed.

2. Automated investing

As a busy entrepreneur, you may want to automate your deposits over time. Peaks makes this easy by allowing you to set up automatic monthly contributions or invest a percentage of your revenue regularly. If you prefer, you can also make one-time deposits as and when you choose—all from the convenience of the app.

3. No cost surprises

With Peaks, you won’t incur any charges for buying or selling shares or bonds. There are also no additional costs for opening a business account. Aside from the standard ETF-related costs (such as fund management fees and spreads), Peaks only charges a flat monthly fee plus a variable monthly percentage fee based on your investments—transparent and straightforward, with no hidden clauses.

How to open a business investment account with Peaks

Peaks business accounts are available to active Peaks customers and can be opened directly through the Peaks app. If you’re new to Peaks, simply open a personal Peaks account first, and then you can set up a business account at no extra cost.

Important reminder: risks of investing

As with any investment, there are risks involved. It’s possible to lose part or all of your initial investment. Investing through a business account requires careful consideration of your company’s financial goals and risk tolerance.