{"id":1444,"date":"2025-09-09T10:51:23","date_gmt":"2025-09-09T07:51:23","guid":{"rendered":"https:\/\/konkretiakirjanpitofi-wp32468.test.cchosting.fi\/?p=1444"},"modified":"2025-10-03T08:07:18","modified_gmt":"2025-10-03T05:07:18","slug":"what-to-consider-before-starting-a-business","status":"publish","type":"post","link":"https:\/\/konkretiakirjanpito.fi\/en\/2025\/09\/yrittajaksi-ryhtyminen-mita-kannattaa-huomioida-ennen-yrityksen-perustamista","title":{"rendered":"Becoming an entrepreneur - what to consider before starting a business?"},"content":{"rendered":"<style>.elementor-1444 .elementor-element.elementor-element-7b3a31f{--display:flex;--min-height:9vh;--flex-direction:column;--container-widget-width:calc( ( 1 - var( --container-widget-flex-grow ) ) * 100% 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--container-widget-flex-grow ) ) * 100% );}}@media(max-width:767px){.elementor-1444 .elementor-element.elementor-element-7b3a31f{--margin-top:-313px;--margin-bottom:0px;--margin-left:0px;--margin-right:0px;--padding-top:100px;--padding-bottom:80px;--padding-left:0px;--padding-right:0px;}.elementor-1444 .elementor-element.elementor-element-43ae823 .elementor-heading-title{font-size:44px;line-height:1.1em;}.elementor-1444 .elementor-element.elementor-element-43ae823 > .elementor-widget-container{margin:0px 0px 0px 0px;}.elementor-1444 .elementor-element.elementor-element-a902754{--padding-top:60px;--padding-bottom:0px;--padding-left:15px;--padding-right:15px;}.elementor-1444 .elementor-element.elementor-element-a9459ad{--justify-content:center;}.elementor-1444 .elementor-element.elementor-element-b51403d > .elementor-widget-container{margin:0px 15px 0px 0px;}.elementor-1444 .elementor-element.elementor-element-2c5a4cf{text-align:center;}.elementor-1444 .elementor-element.elementor-element-2c5a4cf.elementor-element{--align-self:center;}.elementor-1444 .elementor-element.elementor-element-7c1432c{text-align:center;}.elementor-1444 .elementor-element.elementor-element-ced24cc{--width:50%;}}@media(min-width:768px){.elementor-1444 .elementor-element.elementor-element-de28db1{--width:80%;}.elementor-1444 .elementor-element.elementor-element-dc66ec4{--width:69%;}.elementor-1444 .elementor-element.elementor-element-ced24cc{--width:43%;}}@media(max-width:1024px) and (min-width:768px){.elementor-1444 .elementor-element.elementor-element-dc66ec4{--width:60.213%;}.elementor-1444 .elementor-element.elementor-element-ced24cc{--width:24%;}}<\/style>\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1444\" class=\"elementor elementor-1444\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7b3a31f e-flex e-con-boxed e-con e-parent\" data-id=\"7b3a31f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-de28db1 e-con-full e-flex e-con e-child\" data-id=\"de28db1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-43ae823 elementor-widget elementor-widget-heading\" data-id=\"43ae823\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The New Entrepreneur's Guide series<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a902754 e-flex e-con-boxed e-con e-parent\" data-id=\"a902754\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-dc66ec4 e-con-full e-flex e-con e-child\" data-id=\"dc66ec4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9899333 elementor-widget elementor-widget-jkit_post_featured_image\" data-id=\"9899333\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_post_featured_image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-post-featured-image jeg_module___69e765f758910\" ><div class=\"post-featured-image\"><img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"622\" src=\"https:\/\/konkretiakirjanpito.fi\/wp-content\/uploads\/2025\/06\/250624-puuseppa2.jpg\" class=\"attachment-large size-large wp-post-image\" alt=\"Carpenter feeling the wood\" srcset=\"https:\/\/konkretiakirjanpito.fi\/wp-content\/uploads\/2025\/06\/250624-puuseppa2.jpg 1000w, https:\/\/konkretiakirjanpito.fi\/wp-content\/uploads\/2025\/06\/250624-puuseppa2-300x233.jpg 300w, https:\/\/konkretiakirjanpito.fi\/wp-content\/uploads\/2025\/06\/250624-puuseppa2-768x597.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a9459ad e-flex e-con-boxed e-con e-child\" data-id=\"a9459ad\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b51403d elementor-widget__width-auto elementor-widget elementor-widget-jkit_post_author\" data-id=\"b51403d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_post_author.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-post-author jeg_module__1_69e765f759321\" ><p class=\"post-author\">Juha Saari<\/p><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b20cf3 elementor-widget__width-auto elementor-widget elementor-widget-jkit_post_date\" data-id=\"3b20cf3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jkit_post_date.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div  class=\"jeg-elementor-kit jkit-post-date jeg_module__2_69e765f759b33\" ><p class=\"post-date\">September 9, 2025<\/p><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c5a4cf elementor-widget elementor-widget-heading\" data-id=\"2c5a4cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Becoming an entrepreneur - what to consider before starting a business?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c1432c elementor-widget elementor-widget-text-editor\" data-id=\"7c1432c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Entrepreneurship is a dream for many. The freedom to make their own decisions, build something of their own and control their own time is attracting more and more people. But before starting a business, it's worth stopping for a moment to make sure you have the essentials in place.<\/p><p>In this guide, we go through what you need to consider before starting a business - from business ideas to accounting and insurance.<\/p><p>\u00a0<\/p><p><strong>1. How do you ensure you have a viable business idea and customer needs?<\/strong><\/p><p>It all starts with a business idea. Do you know who you are offering a service or product to - and why they would buy it? Think about what makes you different from your competitors and whether there are enough customers.<\/p><p>A well-defined target group and customer needs make a business idea profitable.<\/p><p>\u00a0<\/p><p><strong>2. What type of company should you choose?<\/strong><\/p><p>The choice of company form affects liabilities, taxation and financial arrangements.<\/p><ul><li>A business name is often the easiest option for a start-up entrepreneur.<\/li><li>A limited company offers protection from personal liability and can be a smart choice if you are planning to grow or need external funding.<\/li><\/ul><p>\u00a0<\/p><p><em>(A separate article on business forms coming soon on the blog!)<\/em><\/p><p>\u00a0<\/p><p><strong>3. Why get your accounting right from the start?<\/strong><\/p><p>Accounting is compulsory for all businesses, even small ones. A professional accountant will help ensure that things are done right, on time and without unnecessary stress.<\/p><p>At Konkretia Accounting, we offer accounting services at a fixed hourly rate - no hidden costs and no surprises.<\/p><p>\u00a0<\/p><p><strong>4. What do entrepreneurs need to know about tax and VAT?<\/strong><\/p><p>As an entrepreneur, you are responsible for your own tax affairs, such as input tax and VAT. But when do you have to register for VAT? And how are advance taxes calculated?<\/p><p>A professional accountant will ensure that your tax affairs are in order and that there are no nasty surprises later on.<\/p><p>\u00a0<\/p><p><strong>5. What insurance and financing options should an entrepreneur consider?<\/strong><\/p><p>Self-employed persons' pension insurance (YEL) is compulsory, but other insurance such as liability insurance or accident insurance is often required.<\/p><p>You can apply for funding from several sources:<\/p><ul><li>from the bank<\/li><li>From Finnvera<\/li><li>start-up money<\/li><li>or even crowdfunding.<\/li><\/ul><p>\u00a0<\/p><p>Well-planned financing provides security in the early stages of a business.<\/p><p>\u00a0<\/p><p><strong>Are you starting a business?<\/strong><\/p><p>YEL, TyEL, YTJ, withholding tax, insurance, accounting, financial management system... sound complicated? No worries - we at Concrete Accounting will help you get started in a clear and step-by-step manner.<\/p><p>We'll do it for you:<\/p><ul><li>setting up a company and notifying the SJC<\/li><li>Get your YEL and TyEL affairs in order<\/li><li>support for opening bank accounts<\/li><li>the organisation of accounting and payroll<\/li><li>assistance in applying for funding (bank, Finnvera, start-up funds).<\/li><\/ul><p>\u00a0<\/p><p>You get a personal expert who speaks a language you can understand and makes sure everything is done right - without unnecessary bureaucracy.<\/p><p>\u00a0<\/p><p><strong>Want to start your own business easily and safely?<\/strong><\/p><p><em>Contact us and we will go through your needs free of charge. Let's make your business start-up smooth - and give you the best possible start on your entrepreneurial path.<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ced24cc e-con-full e-flex e-con e-child\" data-id=\"ced24cc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c65f68d elementor-align-center elementor-widget elementor-widget-button\" data-id=\"c65f68d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/konkretiakirjanpito.fi\/en\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact us!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Uuden yritt\u00e4j\u00e4n opas -sarja Juha Saari 9 syyskuun, 2025 Yritt\u00e4j\u00e4ksi ryhtyminen \u2013 mit\u00e4 kannattaa huomioida ennen yrityksen perustamista? Yritt\u00e4jyys on monelle unelma. Vapaus tehd\u00e4 omia p\u00e4\u00e4t\u00f6ksi\u00e4, rakentaa jotain omaa ja m\u00e4\u00e4r\u00e4t\u00e4 omasta ajastaan houkuttelee yh\u00e4 useampia. Ennen yrityksen perustamista kannattaa kuitenkin pys\u00e4hty\u00e4 hetkeksi ja varmistaa, ett\u00e4 t\u00e4rkeimm\u00e4t asiat ovat kunnossa. T\u00e4ss\u00e4 oppaassa k\u00e4ymme l\u00e4pi, mit\u00e4 [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":669,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13,52],"tags":[],"class_list":["post-1444","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blogit","category-uuden-yrittajan-opas-sarja"],"_links":{"self":[{"href":"https:\/\/konkretiakirjanpito.fi\/en\/wp-json\/wp\/v2\/posts\/1444","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/konkretiakirjanpito.fi\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/konkretiakirjanpito.fi\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/konkretiakirjanpito.fi\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/konkretiakirjanpito.fi\/en\/wp-json\/wp\/v2\/comments?post=1444"}],"version-history":[{"count":30,"href":"https:\/\/konkretiakirjanpito.fi\/en\/wp-json\/wp\/v2\/posts\/1444\/revisions"}],"predecessor-version":[{"id":1593,"href":"https:\/\/konkretiakirjanpito.fi\/en\/wp-json\/wp\/v2\/posts\/1444\/revisions\/1593"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/konkretiakirjanpito.fi\/en\/wp-json\/wp\/v2\/media\/669"}],"wp:attachment":[{"href":"https:\/\/konkretiakirjanpito.fi\/en\/wp-json\/wp\/v2\/media?parent=1444"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/konkretiakirjanpito.fi\/en\/wp-json\/wp\/v2\/categories?post=1444"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/konkretiakirjanpito.fi\/en\/wp-json\/wp\/v2\/tags?post=1444"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}