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VBSTRUCTUREN.NLRUEstate Control Check
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Purpose · agreement · conduct · resilience

Owner-director and BV Loan Health Check

Review a loan between an owner-director and a Dutch private limited company as a living financial arrangement, not as a file that was signed once.

Understand the situation first

Read the explanation before completing the checklist.

The related chapter follows the event and its consequences through a family example. Read it first, then return and enter confirmed facts only. A blank field is better than a guess.

Start with the direction and purpose of the loan. Use rounded amounts and categories of security. Do not enter account numbers, agreement text, credentials or confidential documents.

Read the related chapter

Business continuity

Value, voting power and management do not have to move together.

Separate the three functions so the family knows who benefits economically, who makes ownership decisions and who runs the company.

Continuity without lost control
  1. 01Value

    Economic benefit

  2. 02Vote

    Owner decisions

  3. 03Management

    Daily operation

Working version

Complete without personal details

Start with the direction and purpose of the loan. Use rounded amounts and categories of security. Do not enter account numbers, agreement text, credentials or confidential documents.

Local only: your selections exist only in this page's memory and disappear when it is refreshed.

Discussed0 of 20not a score or legal status
01Who owes whom — and why

Separate the owner’s money from the company’s money first.

02Agreement before the money moved

The terms should explain the decision at the date of advance.

03What actually happened

The ledger and bank should tell the same story as the agreement.

04Repayment capacity, security and BV liquidity

The loan should not depend solely on the relationship with the owner.

05Annual control

The Box 2 threshold and arm’s-length terms are separate tests.

What a mark means

Only that the question has been noticed or discussed. ‘No explicit gap identified from the answers’ does not mean that a document, authority or procedure has been confirmed.

Outcome after completion

A short map of open questions: who owes whom, why the money moved, what was agreed, how the parties behaved and which review should happen next.

Format: checklist. Complete it on the page or print it. Answers remain in the page and are not sent automatically.

Next step

The checklist shows what is known and what is still missing for the next decision.

If the issue affects the family, authority, documents or a material asset, resolve the open facts first. Then move to the service that connects review, decision and implementation.

Return to the chapterOwner-director and business succession control