Doklady pošlete, my je zaúčtujeme
The law doesn't require a business account for most self-employed people, but separating your business and personal finances can save you hours of bookkeeping. We'll guide you through what to look for when choosing an account and when a separate account becomes a practical necessity.
Getting a loan as an OSVČ is often more challenging than for salaried employees. We've put together a complete guide to help you prepare all the necessary documents and improve your chances of approval.
Positive cash flow matters more to the self-employed than profit on paper. Without money in your account, you can't pay insurance contributions, rent, or suppliers – regardless of how many unpaid invoices you have outstanding. Here are practical tips on how to monitor, plan, and keep your cash flow under control.
In 2026, a number of grant programmes funded by both EU and national sources continue to be available to OSVČ and small businesses. We bring you an overview of current calls, eligibility conditions, and practical tips on how to submit a successful application.
Liability insurance can save self-employed people hundreds of thousands of crowns in the event of an unexpected claim. Find out when it's mandatory, what types exist, and how to choose the right insurance for your business.
Getting a mortgage as an OSVČ is more challenging than for an employee, but it's certainly not impossible. The key is proper preparation, a clean tax return, and knowing how banks assess self-employed income.
As an OSVČ, you often pay the minimum social insurance contributions. The result can be a pension significantly lower than you expect. We look at how an OSVČ pension is calculated, how much you'll realistically receive, and what options you have to boost it.
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