Transparency

Where the money goes

We show what the client's hourly rate is made of and explain every line of the loonstrook, so a craftsman understands what was paid out and why.

Start from the client's rate

Move the slider: the hourly amount is split by the shares we apply today.

Client pays per hour: € 45

Worker's pay (gross under the collective agreement)44 %44%

Taxes and contributions (employee and employer), holiday pay, pension16 %16%

Insurance, tools, transport, administration12 %12%

Razom's margin (foreman, finding clients, risk, warranty)28 %28%

Indicative, 2026. Exact amounts are on the payslip.

Example: the client pays €45 per hour

Client rate per hour€45

Worker's pay (gross under the collective agreement)44 % · €19.80

Taxes and contributions (employee and employer), holiday pay, pension16 % · €7.20

Insurance, tools, transport, administration12 % · €5.40

Razom's margin (foreman, finding clients, risk, warranty)28 % · €12.60

The shares come from the company settings, so the figures here always match what we apply.

With every payment you receive a loonstrook (payslip). These are the six lines worth knowing.

Bruto (gross pay)
What you earn before tax and contributions: hours times rate, plus supplements from the contract or cao (such as overtime) and paid holiday hours.
Loonheffing (payroll tax)
The amount your employer withholds from your bruto and pays to the Belastingdienst: wage tax (loonbelasting) and national insurance contributions (premies volksverzekeringen). With loonheffingskorting the tax is lower.
Premies (contributions)
Contributions for social insurance and pension. The premies volksverzekeringen are part of the loonheffing. If a cao provides a pension, your share of the pensioenpremie appears on a separate line. The employer's own contributions (werkgeverslasten) are paid on top and do not reduce your pay.
Vakantiegeld (holiday pay)
At least 8% of your bruto. It builds up during the year and is paid at least once a year, usually in May or June. The payout terms are in your contract or the cao.
Reservering (accrual)
Pay that has been credited to you but not yet paid out, such as accrued vakantiegeld and leave days. You find it in the lower part of the loonstrook.
Netto (take-home pay)
What lands in your bank account: bruto minus loonheffing and other deductions (such as pensioenpremie), plus any untaxed allowances (vergoedingen). It must match your bank statement.

This is a general explanation, not tax or legal advice. Exact amounts are on your loonstrook and in your contract.

Message us: we will look at your loonstrook and explain every line. For job seekers it is free.