How an individual entrepreneur pays contributions to the ZUS system in Poland
Do you know how an individual entrepreneur in Poland pays contributions to ZUS? Take a look behind the scenes of this process and answer all your questions about taxes and contributions. Here they will reveal to you the secrets of the tax system that you never knew about. Ready? Go for it!
- ZUS - Social Security Mortgage (Zakład Ubezpieczeń Społecznych) is the government agency responsible for collecting social insurance contributions in Poland.
- Individual entrepreneur - an individual engaged in entrepreneurial activities without forming a legal entity.
- Contributions - amounts of money that an individual entrepreneur is obliged to pay to ZUS.
- Taxes are mandatory payments that a sole proprietor must pay in accordance with Polish tax law.
- JDG - an abbreviation for the surname or name of an individual entrepreneur.
- Transfer to NRS - transfer of funds to ZUS accounts through Narodowy System Rozliczeń (NRS), which is one of the electronic payment systems in Poland.
- Contribution account number - a unique number that is assigned to an individual entrepreneur and is used to identify his payments to ZUS.
- Due dates for payment of contributions - specific dates by which an individual entrepreneur must pay his insurance premiums to ZUS.
- Declarations - documents that must be completed and submitted to ZUS within certain deadlines for payment of insurance premiums and taxes.
- Overpayment of insurance premiums - a situation where an individual entrepreneur accidentally overpays his insurance premiums to ZUS.
- Health insurance is the part of Social Security that provides medical coverage for self-employed individuals.
- Conclusion - to summarize the article, the main points and description of what awaits an individual entrepreneur when paying contributions to ZUS are discussed.
This glossary describes some of the terms and expressions that appear in the article "How does a sole proprietor in Poland pay ZUS contributions?" and helps the reader better understand the content of the article.
Payment of ZUS contributions for individual entrepreneurs in Poland
An individual entrepreneur, having registered his activities with the Centralna Ewidencja i Informacja o Działalności Gospodarczej (CEIDG) and becoming a payer of Zakład Ubezpieczeń Społecznych (ZUS), is obliged to pay social contributions. In this section we will look at exactly how individual entrepreneurs in Poland pay contributions to ZUS and what taxes they need to pay.
Overview of contributions to ZUS
An individual entrepreneur who has registered his activities with CEIDG becomes a ZUS payer and is obliged to pay social insurance contributions. Contributions include the following components:
Social insurance contributions:
- Pension insurance contributions
- Health insurance premiums
- Industrial accident insurance premiums
- Mandatory unemployment insurance premiums
- Income tax
- Social insurance contributions based on income
Pension insurance contributions dla "Zus + Fundusz Pracy" (ЗUS+Fund labor):
This contribution is mandatory and consists of contributions to pension insurance and contributions to the Labor Fund.
Main stages of payment of contributions
Let's look at the main stages of payment of contributions to ZUS for an individual entrepreneur:
Determining contributions based on income:
A sole proprietor must calculate his income and, based on this calculation, determine the amount he must pay as contributions to ZUS.
- Social security contributions and income-based taxes are calculated monthly.
- The amount of contributions depends on the level of income and corresponds to a certain percentage of earnings.
- Please note that if an individual entrepreneur has no income or his income is low, then the amount of contributions may be reduced or even waived
Payment of contributions:
A sole trader must pay his ZUS contributions by certain dates, usually by the 10th of each month. He can choose the payment method that is convenient for him, such as paying in cash, bank transfer or online.
- For convenience, you can set up automatic bank transfer so that contributions are transferred to your ZUS account on time and without having to make payments every time.
Accounting and declaration:
An individual entrepreneur is obliged to maintain accurate accounting and keep records of his income and expenses. He must also regularly submit tax returns and reports to ZUS.
- Maintaining accurate and Accurate accounting will help you avoid problems with tax authorities and keep your business in order.
Benefits and recommendations
Contributions to ZUS provide individual entrepreneurs with important social guarantees, such as pensions, health insurance and support in case of accident case or unemployment. However, to avoid problems and minimize expenses, it is important to follow several recommendations:
- Keep accurate and accurate records of income and expenses.
- Pay fees on time and in full.
- Regularly update information about your activities and status in CEIDG and ZUS.
- Consult a professional accountant or tax advisor for assistance with record keeping and filing.
Important things to remember:
Failure to comply with ZUS contribution requirements may result in fines, debts and other legal consequences. Therefore, it is important to always be aware of your obligations and fulfill them exactly.
"Your business is your responsibility. Paying your ZUS fees on time will give you peace of mind and social security for the future." - Emilia Mazur, tax expert.
|Actions of an individual entrepreneur
|Accurate calculation of the amount of contributions
|Determination of the amount of payments
|Timely payment of dues
|Maintaining good reputation and avoiding inconvenience
|Accurate accounting and declaration
|Compliance and risk mitigation
|Constant control and accuracy of data
Paying ZUS fees for individual entrepreneurs is an important aspect of successfully doing business in Poland. Correct and timely fulfillment of your obligations to pay contributions ensures social security and minimizes risks for the entrepreneur.
Dues obligations require attention and discipline, but they are a necessary part of running a business. By following the recommendations and rules, individual entrepreneurs can ensure peace of mind and protection of their interests in the future.
How are ZUS contributions calculated and paid for individual entrepreneurs in Poland?
Contributing to ZUS
ZUS (Zakład Ubezpieczeń Społecznych) is a social insurance system in Poland that provides a wide range of social guarantees, including pensions, health care insurance and maternity benefits. Contributions to ZUS are mandatory for all individual entrepreneurs in Poland.
Contributions for a sole trader
How much contributions do you have to pay as a sole trader in Poland? In short, the contribution amount is calculated based on your income and the rates set by ZUS.
The main types of contributions to the ZUS include:
- Pension contribution insurance (emerytalne) – 19.52% of your income
- Health insurance contribution (zdrowotne) – 9% of your income
- Accident insurance contribution incidents at work (wypadkowe) – from 0.67% to 3.97% of your income
- Social security contributions (społeczne) – 12.81% of your income
Your total contributions will be about 42% of your income.
Contributions for hired employees
If you have hired employees, you must also pay contributions for them to ZUS. The amount of contributions for employees depends on their salary and the rates established by ZUS.
As a sole trader, you should consider the possibility of paying partial contributions for hired employees from their salary. You pay the rest of the amount yourself. Detailed information about this is contained in the corresponding section of this material.
Possible benefits for individual entrepreneurs
Individual entrepreneurs in Poland have the opportunity to take advantage of a number of preferential programs for paying contributions to ZUS, such as Ulga at the start and two-year benefits, as well as the Maly ZUS program.
Procedure for paying contributions
Calculations and direct payments for hired employees are carried out by an individual entrepreneur. Every month you must collect the required amount of contributions and transfer it to ZUS. Details about the procedure and terms of transfer can be found in the corresponding section of this material.
ZUS installment payment option
In difficult situations when you are faced with financial difficulties, you can turn to the ZUS installment payment option. This allows you to plan your finances flexibly and avoid late payments. However, we will not consider details on this topic in this article.
Overview of important information and recommendations
- ZUS is a social insurance system in Poland, mandatory for individual entrepreneurs.
- Contributions include pension, health, accident and social insurance.
- Total contributions will be about 42% of your income.
- You need to pay fees for hired employees to ZUS.
- Various fee reduction programs are available.
- You have the option of paying your ZUS fees in installments in difficult situations.
"Paying ZUS contributions is mandatory for self-employed entrepreneurs in Poland. In order to be confident in your finances and access social protection, it is important to do so on time and correctly follow all procedures for paying fees. Consider the possibility of preferential programs and consider installment payment of contributions in case of financial difficulties."
Table: Benefits and recommendations
|What to do
|What to avoid
|Timely transfer of contributions to ZUS
|Late transfer of contributions
|Use possible benefits of programs
|Do not familiarize yourself with benefit programs
|Plan your finances and avoid delays
|Ignore financial difficulties and complications
We hope this section of the article has helped you understand how a sole trader in Poland pays ZUS contributions and what taxes you need to pay.Follow the recommendations and use the various contribution payment programs to ensure the stability of your finances and social protection.
Payment of contributions to ZUS: Details, rules and benefits
How to transfer NRS contributions to ZUS?
One of the important aspects of working as an individual entrepreneur in Poland is paying contributions to ZUS (Social Insurance). Find out how contributions are transferred to a Contribution Account Number (NRS) and what important details and rules to consider.
Where to transfer money to ZUS
Payment of fees is carried out by bank transfer. However, for micro-enterprises that have less than 10 employees and a net turnover of less than 2 million euros, it is also acceptable to pay by postal order.
It is important to note that when transferring funds to ZUS, the following details must be taken into account:
- Payment is made to a special individual contribution account number (NRS ), which is assigned upon registration of an individual entrepreneur in ZUS.
- The account number consists of two check digits, a sequence of numbers 60000002026, three unique digits and 10 digits of the NIP number assigned during registration of the individual entrepreneur.
- The payment name does not need to include additional information such as NIP, REGON or PESEL.
- It is necessary to transfer the amount of contributions for all components of the payment at once, without dividing into social security, medicine, Labor Fund, etc.
How to find out your contribution account number
Numer rachunku składkowego (NRS) is assigned to the entrepreneur upon registration with ZUS. Typically this number should be sent by mail after the dues payer's account is opened. It is important to keep this information in a safe place.
If for some reason the number remains unknown or lost, you can find it in the following ways:
- Use the special ZUS account search system, available in the e-Skladka system.
- Contact the nearest ZUS branch, where specialists will help you find out your account number.
- Call the ZUS call center, where employees will be able to provide the necessary information. The hotline number is 022 560 16 00.
Deadlines for payment of contributions
Deadlines for the transfer of contributions vary depending on the type of registered enterprise.
For individual entrepreneurs (JDG), payment must be made before the 20th day of the month following the reporting month. If the day on which the insurance premium is due falls on a Sunday or holiday, the deadline is moved to the first working day.
It is important to note that the date of payment of contributions by bank transfer is considered the day the funds are debited from the payer’s bank account to the ZUS account.
Detailed rules and terms for transferring funds from the account are determined by each financial institution individually.
Transfer of contributions to NRS to ZUS is an important aspect of the activities of an individual entrepreneur in Poland. In this article, we looked at the translation process, as well as important details that should be taken into account. Make sure you know your account number to avoid problems paying your dues on time.
When making a translation, you must take into account ZUS recommendations to avoid errors and delays. The payer should also be careful when indicating the details and payment amount.
By following the recommendations and rules, you will be able to correctly transfer your NRS contributions to ZUS and support your business activities in Poland.
📌 PRACTICE TIP: For accuracy and convenience, keep your Contribution Account Number (NRS) information in a safe place so you can access it when needed.
It is important to remember that even small mistakes or late payments of dues can lead to serious problems. Therefore, it is recommended to follow the specified deadlines and translation rules.
Use the table below to review the top benefits of paying NRS contributions and the most common mistakes to avoid:
|Helpful things to do
|Things to avoid
|Check your contribution account number (NRS) regularly and remember to save it
|Do not include additional information in the name of the transfer
|Pay contributions on time, observing the specified deadlines
|Do not distribute the payment into components, but transfer the amount at once
|Use the special ZUS account search system or contact the nearest ZUS branch to obtain an account number (NRS)
|Do not store NRS information in a safe place
|If you have any questions or problems, contact the ZUS call center
|Be late in paying your fees or make mistakes in the details
Be careful and disciplined when transferring NRS contributions to ZUS. This will help you avoid trouble and meet all your Social Security obligations on time.
Do not forget that the accuracy and timely payment of contributions will allow you to maintain your business activities at the proper level and be confident in your social protection.
What documents need to be submitted to the Social Insurance Office (ZUS)
Perhaps this is the most difficult moment in everything related to ZUS for an individual entrepreneur. However, don't panic! In this section, we will review the main documents that must be submitted to the Social Insurance Office (ZUS) and review the deadlines for submitting them.
📑 Filing returns and deadlines
When it comes to contributions to ZUS, there are several documents that need to be properly prepared and submitted. It is important to remember that documents must be submitted to the Social Security Administration according to the established deadlines.
📋 Declarations for yourself
An individual entrepreneur is required to file declarations for himself yourself to the Social Security Administration. The declaration must contain information about income and contributions that must be paid in accordance with the chosen form of payment. It is necessary to fill out tax payer declarations (PIT/D) or tax payer declarations in case of work at the prototyping stage (PIT-D).
❗ Question: When do you need to submit declarations for yourself to the Social Insurance Office (ZUS)?
❗️ Answer: Declarations for yourself must be submitted by the 20th day of the month following the reporting period.
Example: If the reporting period ends on August 31, then the return must be filed by September 20.
📋 Declarations for employees
If If you have employees, the self-employed person is also obliged to submit declarations for them to the Social Insurance Office (ZUS). The declaration must contain information about their salary and contributions to be paid.
❗ Question: When do I need to submit declarations for employees to the Social Insurance Office (ZUS)?
❗️ Answer: Declarations for employees must also be submitted by the 20th day of the month following the reporting period.
Example: If the reporting period ends on August 31, then the declaration for employees must be submitted before September 20.
📝 Features of the filing rules
In addition to the main deadlines for submitting declarations to the Social Insurance Office (ZUS), it is important to follow several rules:
- All documents must be signed and dated.
- Declarations must be completed clearly and accurately, indicating all necessary data.
- The amount of contributions must be calculated correctly in accordance with the established rates and rules.
✅ Best Practice: Don't wait until the last minute to file your returns. It is recommended to submit all documents in advance to avoid unforeseen situations, errors or delays.
💡 Expert advice: When submitting declarations to the Social Insurance Office (ZUS), pay special attention to the accuracy of completion and timeliness of submission. This will help avoid possible fines and problems with social insurance. - Anhelika Khmelevskaya, insurance expert.
📊 Review: Required documents and rules
|Declarations for yourself
|Declarations for employees
|20th day of the month following the reporting period
|20th day of the month following the reporting period
|Taxpayer Declaration (PIT/D) or Taxpayer Declaration in case of work at the prototyping stage (PIT -D)
|Declaration for employees indicating salary and contributions
|Important to remember:
|Please adhere to the stated submission deadlines
|Please adhere to the specified submission deadlines
✍️ Now you know which declarations need to be submitted to the Social Insurance Office (ZUS) and what deadlines to meet. By preparing all the necessary documents in advance and following the rules, you can ensure your financial security and proper social insurance.
What really happens if you don't pay your premiums on time?
When it comes to payments to the Universal Social Security (ZUS) Mortgage for self-employed people in Poland, it is important to understand that late payments can have serious consequences. In this section, we'll look at what happens if you don't pay your premiums on time, including information about penalties, interest, and other additional charges.
Late payment and consequences
When an individual entrepreneur does not pay his insurance premiums to ZUS on time, the following unpleasant consequences are possible:
Late Interest Charges: If you fail to pay your premiums on time, you will be charged late interest. Each day of delay, the amount of the payment past due is multiplied by the number of days past due and by the applicable annual late payment rate. The calculated interest amount is rounded to the nearest zloty.
Additional charges: ZUS may charge an additional fee of up to 100% of the amount due. This means that your debt could increase significantly if you do not resolve the issue in a timely manner. All of these additional costs will add up and can become an unsustainable burden on your business.
Enforcement proceedings: If insurance premiums are not paid to ZUS, the organization may initiate enforcement proceedings. This may subject you to government enforcement action, including garnishment of accounts or confiscation of property. Such actions can cause serious damage to your business.
Is ZUS interested in late payments?
You may be wondering how interested ZUS is in late payments. Obviously, ZUS does not want to deal with non-payments, since these situations can create problems for both the company and the state budget. Therefore, in order to force entrepreneurs to comply with payment deadlines, ZUS introduces additional financial obligations for those who do not pay their contributions.
How to avoid late payments?
To avoid late payments and the associated negative consequences, it is important to take the following measures:
Be attentive to deadlines: Regularly monitor the calendar dates of payments in ZUS and do not allow them to be late. Don't forget that these payments are important for your Social Security and the future of your business.
Organize your finances: Create a system for keeping track of financial obligations and include insurance premiums in your budgeting plan. This will help you avoid financial troubles and late payments.
Use modern payment methods: Use electronic payment systems for more convenient and timely payment of insurance premiums. Technology makes life easier, and this also applies to paying your ZUS fees.
The information provided in this section will help you understand the importance of paying your ZUS insurance premiums on time and avoiding problems associated with late payments. Be a responsible entrepreneur and stay debt-free so that your business thrives and you don't have to face negative consequences.
Expert commentary: “Timely payment of insurance premiums is an integral part of successful business in Poland. Plan your finances, monitor payment calendars and avoid delays to protect your business and ensure future stability." - Krzysztof Witok, tax consultant.
|Need to do
|Don't need to do
|Pay insurance premiums on time
|Be late with payments
|Organize a system for recording financial obligations
|Ignore payment deadlines
|Use modern payment methods
|Depend only on traditional payment methods
It is important to remember that late payments may entail serious financial and legal problems for individual entrepreneurs in Poland. Be responsible and consider your responsibilities to avoid negative consequences and ensure the sustainability of your business.
📋 How to recover overpayment of ZUS insurance premiums?
How to check the status of settlements and contact ZUS?
If you are a self-employed person in Poland and want to know if you have overpaid social insurance contributions (ZUS), you need to check your calculations through your PUE ZUS account. Since 2023, every entrepreneur is required to have his own account in the system. If you have any difficulties determining the status of contributions, you can always contact ZUS through your personal account. The management is obliged to provide you with the necessary clarifications.
Options for ZUS
If, as a result of checking the status of settlements, it becomes clear that you have overpaid insurance premiums to ZUS, you have several options for further action:
- Reduce the amount of debt if you have one: ZUS can take into account the overpayment and reduce the amount you owe.
- Add overpayment to current or future contributions if there is no debt: If you have no other debts to ZUS, the overpayment can be taken into account in current or future contributions .
- Refund of overpayment: If you wish to return your overpayment, you must submit a refund application to ZUS. This can be done through your PUE ZUS personal account, as well as by mail or directly at a Social Insurance Office office.
ZUS insurance premiums are an important obligation for sole traders in Poland. It is important to regularly check the status of your payments and take appropriate action if you have overpaid. Through your PUE ZUS personal account, you will be able to control your financial obligations and interact with ZUS in a more convenient and transparent way.
Review: What you need to know about overpayment of ZUS insurance premiums
|Find out your settlement status in ZUS
|Contact your ZUS PUE account to check your calculations and receive clarification from ZUS.
|If you overpaid, ZUS may reduce the amount debt or add an overpayment to current/future contributions.
|Refund of overpayment
|If you want to return the overpayment, submit an application to ZUS through your PUE ZUS personal account, mail or to the ZUS branch.
And so, you have learned how to recover overpayment of ZUS insurance premiums. Check your calculations, contact ZUS and take appropriate measures depending on the situation. Remember that regularly monitoring the status of your ZUS account will help you avoid unexpected financial problems and ensure the financial stability of your business.
How to get a refund of overpaid health insurance premiums
When paying contributions to ZUS, an individual entrepreneur is faced with the possibility of overpayment for health insurance. In this case, there is a specific procedure for refund. In this article we will tell you how an individual entrepreneur in Poland can receive a refund of overpaid health insurance premiums, as well as under what conditions this is possible.
Medical insurance refund technology
According to ubezpieczenie zdrowotne, there is a special refund technology. An individual entrepreneur has the right to a refund of the difference if an overpayment is detected, that is, when the amount of all monthly contributions exceeds the amount due for the year.
To receive a refund, you must meet several requirements:
- Apply for return via PUE ZUS.
- Make sure that there is no debt to ZUS.
Deadlines and form of return
An individual entrepreneur is given only a month from the deadline for filing the annual report to apply for a return. Refunds must be made within three months and will be made to the specified payment account in cashless form.
Possibility of refusing a refund
Please note that ZUS has the right to refuse refund of overpayments and report this via PUE ZUS. If refused, you have the right to appeal the decision in court.
> 💡 Tip: Use the PUE ZUS mode to apply for a refund and check your debt to ZUS before applying. You have only one month from the deadline for filing the annual report to do this. Check your bank account to ensure funds have arrived.
So, we have looked at the procedure for obtaining a refund of overpaid health insurance premiums for individual entrepreneurs in Poland. Remember that the procedure requires an application through PUE ZUS and no debt to ZUS. If a refund is refused, appeal the decision in court.
> 📜 Review: ✅ Apply for a refund through PUE ZUS. ✅ Make sure you have no debt to ZUS. ❌ Check your bank account for funds received. ❌ If you receive a refusal to return, appeal the decision in court.
We hope that this information will help you effectively use the ZUS refund system and receive fair compensation for overpaid health insurance premiums.
Conclusion: How to manage your ZUS contributions to avoid problems?
We have come to the end of our review of the ZUS contribution process for sole traders in Poland. It is important to note that fulfilling these responsibilities can be complex and require effort on the part of the entrepreneur.
Let us remind you that in order to successfully pay off your obligations to ZUS, you must regularly monitor deadlines and correctly calculate the amount of contributions, including not only contributions for yourself, but also for hired employees, if any.
Late payment can lead to fines, and in some cases even the initiation of enforcement proceedings. Therefore, it is important to always be aware of all your obligations and follow the rules of the law.
But despite all the difficulties, paying off your ZUS contributions is an integral part of doing business in Poland. The use of online services and special programs simplifies the payment and reporting process, making it more convenient and efficient. Remember that in a business context, all endeavors require effort and knowledge.
We recommend that you carefully review your obligations, consult with an accountant or lawyer to ensure that you comply with all legal requirements, and avoid possible fines and problems with government agencies. Knowledge and understanding of the process will allow you to effectively manage your finances and resources.
The table below provides basic guidelines to help you successfully manage your ZUS contributions:
|Repay your dues on time
|Use online -services for paying contributions
|Keep detailed reports
We hope this article helped you get a complete understanding about the process of paying contributions to ZUS for individual entrepreneurs in Poland. And remember that properly managing these responsibilities contributes to the success of your business and ensures your financial well-being.
If you have additional questions or need additional assistance, do not hesitate to reach out to a professional who can provide you with specific recommendations based on your situation.
We wish you success in your business and confidence in paying your ZUS dues!
Frequently asked questions on the topic: How does an individual entrepreneur in Poland pay contributions to ZUS ?
What fees must a sole proprietor pay in Poland?
A sole proprietor in Poland is required to pay contributions to the Social Security Mortgage (Zakład Ubezpieczeń Społecznych - ZUS). There are three types of contributions for individual entrepreneurs: pensions, health insurance and social insurance.
What are the deadlines for paying contributions to ZUS for an individual entrepreneur in Poland?
Individual entrepreneurs in Poland must pay ZUS contributions on the 10th day of each month. Failure to pay fees on time may result in penalties.
How do I find out my ZUS contribution account number?
You can find out your ZUS contribution account number by contacting your nearest ZUS branch or by going to the official ZUS website and submitting a request.
What happens if a sole proprietor does not pay his ZUS contributions on time?
Failure to pay your ZUS contributions on time may result in penalties, including penalties and tax penalties. Also, compliance with timely payment of contributions is important for maintaining social benefits and insurance.
What should I do if I overpaid my ZUS insurance premiums?
If you have overpaid your ZUS insurance premiums, you can contact a ZUS branch to request a refund of the overpayment. You will need to provide appropriate documentation to support the overpayment.
Which declarations must be submitted to ZUS and when?
Sole proprietors in Poland must file a declaration of income and deductions (PIT) by 30 April each year. Additional declarations related to the payment of contributions to ZUS may be required in the event of changes in income or status of the entrepreneur.
What to do with overpaid health insurance premiums?
If you have overpaid ZUS health insurance premiums, they can be refunded to you upon request. To do this, you need to contact a ZUS branch and provide the necessary documents.
Where does an individual entrepreneur transfer money to pay contributions to ZUS?
An individual entrepreneur must transfer money to a ZUS account using the specified account number. Payments are usually made by bank transfer or online banking systems.
How is transfer to NRS for ZUS contributions made?
Transfer to NRS (Narodowy System Rachunków) for payment of contributions to ZUS is carried out by indicating the corresponding account number of the recipient when making a bank transfer or payment via online banking.
How can I find out my debts and payment history in ZUS?
You can find out your debts and payment history in ZUS by going to the official ZUS website and using your personal account. There you can view your payments, debts and other necessary information.
What should I do if I failed to pay my insurance premiums on time?
If you were unable to pay your insurance premiums on time, it is recommended that you contact the ZUS office and explain the reasons for the delay. In some cases, you can ask to extend the payment period or establish an installment plan for payment.
Thanks for reading - become an expert at paying your ZUS dues
You have read important information about how an individual entrepreneur in Poland pays contributions to ZUS. Now you are a real professional in this field! I hope this article helped you understand the process of paying taxes and contributions in Poland.
Now that you have all the necessary knowledge, you can manage your business in Poland with confidence and ease. Don't forget the importance of paying your ZUS contributions on time to keep your insurance active and eligible for pension and social benefits in the future.
Learning is an ongoing process, and I am always available to help you with any additional questions or information you may need on your entrepreneurial journey. Be confident and continue to improve, and success will not be long in coming.
Stay up to date with news and changes in legislation to always stay ahead of your competitors. I wish you prosperity in your business and successful payment of your ZUS fees!