Can you just start a business from home?

Starting a business from home: Is that allowed?

Good news: in many cases, it’s perfectly possible. However, it depends on the nature of your business, the location of your home, and the applicable zoning regulations.

A service-oriented profession, such as real estate agent, accountant, psychologist, or life coach? That’s usually not a problem. If, on the other hand, you want to open a store or run a business that attracts a lot of customers, foot traffic, or deliveries, stricter conditions often apply.

Do you also live in a rural area? If so, there may be additional restrictions. In some zones, only activities that are consistent with the agricultural use of the surrounding area are permitted.

Not sure? Contact your local municipality. They can tell you exactly which activities are permitted at your address.

Are you a homeowner? Here are the rules

Even if you own your home, that doesn't automatically mean you can use it freely for professional purposes.

This is because your home serves a residential purpose. If you want to change the function or use of (part of) your home for your business, you may need an environmental permit, even if you’re not making any renovations. Fortunately, for certain complementary functions—such as an office, service-based business, or independent professional practice—there is an exemption from the permit requirement, subject to certain conditions.  

Fortunately, there is some good news. In certain situations, you may be granted an exemption. You’ll usually get the go-ahead if you meet these conditions: 

• Your home is located in a residential area.

• Residential use remains the building's primary function.

• The commercial space is smaller than the residential space and has a maximum area of 100 m².

• Your activity complies with urban planning regulations, zoning plans, or any subdivision regulations.

Always check with your local government first. That way, you’ll avoid any surprises later on.

A pop-up or a temporary event?

Don't you have any plans to stay active all year round? 

There’s even better news. For a temporary business activity lasting no more than 90 days per year, in many cases you don’t need a permit to temporarily change the designated use of your home.

A pop-up store, a temporary workshop space, or a seasonal activity? In many cases, you can set these up without any extra administrative hassle.

Starting a business in a rental property?

Are you renting a home? If so, the situation is a little different.

You can’t just start a business without the landlord’s permission. That makes sense, because your business could have tax implications for the owner. For example, the owner might be taxed differently on the rental income. So be sure to check your lease first. Sometimes it clearly states what is and isn’t allowed.

Do you rent public housing? If so, always check with the public housing authority or the public housing agency first.

Also keep these practical considerations in mind

Starting a business from home isn't just about permits. These issues also deserve your attention.

Protect Your Family Home

Running a business brings opportunities, but also risks. Are you experiencing financial difficulties? Then, of course, you’ll want to avoid putting your family home at risk. That’s why self-employed individuals can have a deed of exemption for their family home drawn up by a notary. This allows you to better protect your home from your business’s creditors.

Don't forget your insurance policies

Do you work from home on a professional basis? If so, check whether your current fire insurance still provides adequate coverage. If damage occurs in the part of your home used for your business, your company may be held liable. The right insurance policy will give you the peace of mind you need.

Take Advantage of Tax Benefits

Here’s another nice benefit. Do you use part of your home for business purposes? If so, you can claim a portion of certain expenses as business expenses. For example:

• electricity

• Internet

• heating

• maintenance

• insurance

Exactly which expenses are deductible depends on your personal situation. Therefore, be sure to consult your accountant for advice.

A Smart Start Begins with the Right Preparation

Starting a home-based business is a smart move for many people. You save money, work close to home, and build your own story step by step.

But thorough preparation remains essential. Check the regulations, apply for the appropriate permit if necessary, consult with your landlord if you’re renting, and work with your notary, insurance agent, and accountant to determine which matters you should take care of. That way, you can focus with peace of mind on what really matters: growing your business.

Whether you’re welcoming your first clients in your home office or making plans for your own practice space, a solid foundation makes all the difference. Are you also planning to move into a home where living and working blend seamlessly? The real estate experts at Living Stone are happy to work with you and help you find a home that perfectly aligns with your future plans. View our listings here.