What changes for your money
Florida has 0% income tax. On the coasts, however, property insurance and fees for homeowners associations (HOA fees) have become very expensive. In the Netherlands, the numbers are different. BV profit is taxed at 19% up to €200,000, and the director salary is set at €58,000. Dividends are taxed in box 2 (the tax band for income from your own company) at 24.5% on the first €68,843 per person and 31% above that (2026), when you choose to pay them out. Home insurance premiums are at European levels, and healthcare costs roughly €150 per adult, with children free. Many families who compare all costs, including private-school fees in Florida, pay less in the Netherlands. See the tax comparison for both countries.
Your residence permit
The Dutch American Friendship Treaty (DAFT) grants residence for a genuine business with €4,500 equity: the complete guide. Miami’s consultants, agencies and e-commerce operators match the profile perfectly: businesses that qualify.
Where Floridians settle
People who love boats and the water often choose Rotterdam and the coastal towns. Amsterdam suits agencies and traders. E-commerce founders benefit from the strong Dutch logistics. See US webshops entering Europe.
Does your company want its European entity in the Netherlands? See setting up a Dutch subsidiary for the steps, the costs and a comparison with other countries.
The first 90 days
First, you file with the IND. In the weeks after that, you get the residence card, the citizen service number (BSN) and health insurance. After the decision, you have six months to arrange the company, the bank account and the €4,500 deposit. See the full order of steps. Schools ask for the BSN when you enrol your children. See DAFT for your family for the family checklist.