Business leasing without BKR
Some leasing companies perform a BKR assessment and registration when you want to lease. This applies not only to private leases, but in some cases also to business leases. As a result, your application may be rejected if you have a BKR registration. At Shortleaseland, we don't perform a BKR assessment and registration, so you can lease for business purposes without a BKR.
How does a BKR assessment work for a business lease?
Most leasing companies perform a BKR check when you want to sign a lease agreement, which allows them to assess your financial situation. For a business lease, this depends on the legal structure of your business. With a sole proprietorship, general partnership, limited partnership, or general partnership, you are personally liable, and your BKR registration will be checked. In addition, the business loan or credit you apply for will also be registered with the BKR in these cases if the amount exceeds €1,000. For a private limited company (BV) or public limited company (NV), a BKR check and registration will only be performed if you personally guarantee the loan or credit.
At Shortleaseland, you can lease a company car or business vehicle without a BKR check or registration. Our specialists will assess your application based on your current situation and not just your past. Furthermore, you won't be entering into long payment obligations (1-24 months), so the risk is lower than with regular lease contracts.
Business leasing without annual figures
In addition to a BKR check, a leasing company may also ask for your annual figures when you apply for a business lease. This provides a picture of your company's financial health. However, in some situations, it can be difficult to provide annual figures, for example, if you've just started your business or if you had a difficult year last year.
At Shortleaseland, you can lease for business purposes without submitting annual figures. We believe that figures don't tell the whole story and value the trust we have in you and your business over any past problems.
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Can I lease for business purposes without getting a BKR registration?
Yes, at Shortleaseland you can lease for business purposes without a BKR check or registration. This is because we work with flexible, short-term lease contracts of 1-24 months, allowing you to easily adapt to changes in your (financial) situation.
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Can I lease for business purposes if I have a BKR registration?
Yes, at Shortleaseland, you can usually lease for business purposes if you have a BKR registration. We don't just look at your past and financial situation, but also at your current situation and the trust we have in you and your business.
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How do I know if I have a BKR registration?
You can check for free at the BKR which credits are registered in your name and what the status of these credits is via https://www.mijnkredietregistratie.nl/nl/mijn-kredietoverzicht.
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How do I get rid of a negative BKR registration?
A negative BKR registration automatically expires after 5 years. Once you've resolved the payment arrears, you can request a recovery code; this will be displayed along with your negative BKR registration and will indicate that the arrears have been settled.
Business lease or private lease?
With a private lease, the contract is always in your name. For this reason, most leasing companies require a BKR registration and assessment for private leases, while this depends on your company's legal structure for business leases. At Shortleaseland, you lease without a BKR assessment and registration, regardless of whether you choose a private or business lease. The choice you make does, however, affect potential tax benefits and administrative matters.
With a business lease, you benefit from tax advantages, including VAT deductions and lower income tax. However, you will have to pay additional tax if you also drive the vehicle privately for more than 500 km per year. Do you drive less than 500 km per year privately? Then you must be able to prove this by keeping a mileage log to avoid having to pay additional tax.
With a private lease, it doesn't matter whether you use the car for business or private purposes. You can claim €0.23 per kilometer for business trips. Other expenses you incur on the car are not deductible. Therefore, when choosing a private lease or business lease without a BKR (Credit Registration Office) check how much you intend to use the vehicle for private and business purposes, so you can make a well-informed decision.
Are you interested in leasing a business car without a BKR check and registration? Then take a quick look at our range of vehicles and submit a request for the vehicle you want. Or would you like to know if leasing from us is also possible in your specific situation? Then please contact us. Contact Contact us. Our leasing advisors are happy to discuss your needs and work with you to find a solution that suits your situation.
