In this article I explain the key differences in simple language and in which situations a side activity can be a safe first step.
What is a self-employed person in a side activity?
You are self-employed in a side activity when, next to your main occupation (for example a regular employment contract), you also run a business. Your social protection then mainly comes from your main job.
- ✔ lower entry threshold
- ✔ extra income on top of your salary
- ✔ lower social risk
What is a self-employed person in a main activity?
As a full-time self-employed person, your business is your primary source of income. Your social protection (pension, sickness, etc.) is directly linked to your professional earnings.
That gives you more freedom, but also more responsibility: fluctuations in income and social contributions weigh more heavily.
Social contributions in broad terms
In both cases, contributions are calculated on your professional self-employment income. In a side activity, minimum contributions usually apply as long as your income remains limited.
In a main activity, contributions are higher, but they also build up more rights. Making a realistic forecast is important.
Tax impact
In a side activity, your business profit is added to your salary in the same tax return, which may move you into a higher tax bracket.
In a main activity, your business income is usually your primary income. Good planning (for example advance payments) helps avoid surprises.
When to switch to a main activity?
A switch often makes sense when:
- your revenue grows year after year
- you want less dependence on your job salary
- you need more time for customers
- you have built a financial buffer
My advice
A side activity can be an excellent way to test your idea with limited risk. A main activity gives you maximum focus and growth potential.
During a consultation, we look together at:
- your current financial situation
- realistic revenue expectations
- what social contributions to expect
- which timing feels comfortable for you
This helps you choose a status that fits your life, not the other way around.