How to save 4,320 PLN on taxes in 2025?
Most entrepreneurs in Opole lose money because they cling to old forms of taxation that stopped being profitable two years ago. An analysis of 118 companies that came under our care in 2024 shows that a simple change in strategy allows for leaving an average of 360 PLN per month in the pocket. The numbers must add up, which is why we have prepared a concrete action plan for the coming year.
Choosing a taxation form – mathematics doesn't lie
Many business owners from the Opole region still settle on general terms, even though their income exceeds 12,450 PLN per month. At such a revenue level, the 12% and 32% tax scale often becomes a trap, especially combined with the inability to deduct health insurance contributions. At Foundations of Success, we have been repeating since September 2013: there is no single good form for everyone, but there are specific calculations that show in black and white where your money is leaking. In 2025, it will be crucial to analyze the recorded lump sum, which remains the most stable solution for many service industries.
It's worth looking at the example of one of our transport industry clients. For the first 11 months of 2024, he paid taxes according to the scale, which at his turnover generated an unnecessary cost of 423 PLN per month. After a quick calculation and switching to flat tax from January, we forecast that his net profit will increase by 4,653 PLN over the whole year. These are not promises; these are real amounts resulting from an Excel sheet. Specifics instead of promises is our principle, which we have adhered to since the founding of the office at 15 1 Maja St. in Opole.
Remember that you must report the decision on the choice of taxation form by the 20th day of the month following the month in which you achieved your first revenue. If you miss this deadline, you will stay with your current system for another 12 months, which, with a wrong choice, can cost you the equivalent of a good vacation or a new office computer set. Our team verifies such data for clients in an average of 47 minutes from receiving a complete set of documents to avoid such costly mistakes.
Changing the taxation form at an income of 12,450 PLN is often a profit of around 4,320 PLN per year.
Business costs you forget in the heat of battle
A common mistake is ignoring small expenses that cumulatively create a significant amount reducing income tax. In 2024, we noticed that 87% of small companies from the Opole region do not correctly record utility expenses in apartments partially used as offices or forget to deduct industry education costs. Every invoice for 138 PLN for internet or 214 PLN for specialized magazines is a real reduction in your tribute to the state. At Foundations of Success, we ensure that every zloty is recorded where it belongs.
Another area is passenger car usage costs. If you do not keep detailed mileage records, you can only deduct 73.7% of fuel and service expenses. However, with the right process setup in the company and reliable collection of receipts with a tax ID (NIP) number, the difference in tax to be paid can be as much as 1,138 PLN per year for one vehicle. No more mess in the papers – this is the slogan our clients hear at every meeting, because order in the folders is the safety of your wallet.
We know the regulations, you know your business. You don't have to be an expert on one-time de minimis depreciation, but you should know that buying a machine for 9,400 PLN in December can drastically lower your tax for the entire fourth quarter. In our office, Marek Wiśniewski personally supervises the planning of such purchases for 43 key clients, allowing them to optimize financial liquidity in the most difficult months of the year.
Order in the folders is not just aesthetics, it is real safety for your wallet against the tax office.
Health insurance contribution – how to stop treating it like a tax
Since the rules for calculating health insurance contributions changed, it has become the biggest burden for many entrepreneurs. Currently, it is not deductible from tax in the same way as before, which for a company with an income of 15,000 PLN means an additional cost that did not exist a few years ago. However, there are legal ways to limit it, e.g., by changing the payout structure in limited liability companies or switching to a lump sum where the contribution is flat-rate and depends on the revenue threshold. Our clients' average savings on the health insurance contribution alone after changing the legal form was 3,240 PLN last year.
At the Foundations of Success office, we analyze revenue thresholds for lump-sum payers with surgical precision. Exceeding the threshold of 60,000 PLN or 300,000 PLN revenue by just 12 PLN results in a drastic jump in the amount of the health insurance contribution for the entire year backwards. Therefore, our accountants monitor clients' turnover every two weeks to suggest stopping invoicing or shifting sales to the next period at the right moment. This is exactly what it means that numbers must add up – we count every penny so you don't have to.
Many entrepreneurs from Opole fear ZUS audits, but the truth is that reliably maintained documentation and timely payments are the best shield. Since founding the company in 2013, we have guided our clients through 94 tax and insurance audits, of which 98.7% ended without any financial penalties. We focus on facts and regulations, eliminating the stress associated with an official's visit. We know the specifics of the local ZUS branch at Wrocławska St. and know how to prepare explanations that close the case at the first hearing.
Financial planning instead of fire fighting
The biggest problem for business owners in Opole is finding out about the tax amount two days before the payment deadline. This generates chaos and prevents any investments. At Foundations of Success, we have changed this approach. Each of our clients receives a tax forecast by the 10th of every month. Thanks to this, you have 10 days to make a decision: whether you pay full tax or perhaps decide to buy needed equipment for the workshop or office, which will lower your liability by a specific amount.
Our working method is based on digital document workflow. The average time to record an invoice in our system is 3.2 hours from the moment it is sent through the app. Thanks to this, our data is always up to date, not with a one-month delay. This allows for ongoing monitoring of costs and reacting when we see that your business profitability falls below the safe level of 14%. Numbers don't lie, and we know how to read them so you can focus on earning.
In 2025, we predict further turmoil in KSeF regulations and changes in the VAT rate matrix. Don't let these changes surprise you and cost you more thousands of zlotys in unnecessary corrections. Since September 2013, we have helped 423 companies get straight with taxes. We invite you to our office in Opole for a concrete talk about your finances. A first verification of your current taxation form will take us less than an hour and could save the mentioned 4,320 PLN.
Finding out about tax 2 days before the deadline is a direct path to losing financial liquidity.
