The self-employed fluctuate strongly in income. A GmbH can help buffer profits, pay taxes in good years and provide liquidity in bad years. This is particularly valuable if private goals such as buying real estate or retirement provision are pursued at the same time.
Important levers are: the accumulation of profits, a meaningful management compensation, company pension provision and the separation of private and company assets. Anyone who lets everything run into an account quickly loses track and tax advantages.
We accompany self-employed people in using their GmbH as a financial planning instrument instead of just managing it as a legal shell. The goal: more liquidity, clear provisions and long-term asset building.
What you should do now
- Save profits instead of taking everything privately
- Managing Director compensation and BAV vote
- Cleanly separate private and operational assets