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Answers to the questions business owners ask us.

Practical articles on accounting, staff and tax. Backed by sources and written for business owners.

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Financial administrationplasterers

Cracks in plasterwork after completion: how long are you liable and how do you include repairs in your accounts?

For plasterwork on a building you as the contractor are liable for defects not discovered at completion, unless they are not your fault. That applies to agreements from 1 January 2024. A crack caused by a poor substrate is at the client's expense, but only if you warned them in writing. You include repair costs through a warranty provision, based on what repairs cost you before.

9 min read

HR and payrollplasterers

Quartz dust, heavy bags and scaffolds: which safety rules cost a plastering business time and money?

A plastering business with staff faces three major risks: quartz dust, heavy lifting and working at height. Quartz dust has a limit value of 0.075 mg/m³ and a list of exposed workers. The Finishing Trades agreement bans packs over 25 kg on site and limits work with a dust mask to 60 minutes in a row. Fall protection is compulsory from 2.5 metres. A fine for a fall hazard costs a small business €1,800 or more.

11 min read

HR and payrollplasterers

Your first employed plasterer: what does an hour really cost under the Finishing Trades agreement?

If you take on a plasterer as an employee, the Finishing Trades collective agreement applies. A plasterer is in group 4b, with a guaranteed wage that rises with years of experience: from €20.06 to €24.31 per hour. On top of the wage come holiday pay, employer contributions, pension and the training fund. After holiday, rostered days off, public holidays and sickness, 1,567.5 productive hours remain. So an hour costs €42.86 in the worked example.

10 min read

HR and payrollplasterers

Which collective agreement applies to your plasterers and fitters: Finishing Trades or Construction & Infrastructure?

A plastering, ceiling and wall, flooring or terrazzo business with staff falls under the Finishing Trades agreement, with 37.5 hours a week and pay per year of experience. The Construction & Infrastructure agreement excludes these businesses itself. A business that mainly does separate tiling usually falls under Construction & Infrastructure. The pension runs through bpfBOUW in both, but pay, working week, sickness and funds differ.

11 min read

Business adviceplasterers

Do you work as a self-employed plasterer for a finishing company? This is what changes after 31 December 2026

On 31 December 2026 the presumption of employment takes effect. If you work as a self-employed plasterer for a finishing company at an hourly rate around or below € 38 (as of 1 January 2026), that company must prove in court that you are not an employee. It does not apply with private customers. The Afbouw model agreement only gives certainty for payroll taxes, not for this presumption.

11 min read

Business adviceplasterers

Mandatory pension with bpfBOUW as a self-employed plasterer: does it apply to you and what do you pay?

A self-employed plasterer, ceiling fitter, floor layer or block layer is a compulsory participant in bpfBOUW. That is in the mandatory participation decree, last amended in May 2026. You register yourself, file a pension return once a year and pay every month. The premium is based on your profit minus an exempt amount and is deductible from profit. The owner-director of a company is not covered personally.

11 min read

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