Fiscavo Journal

Invoicing, freelance operations, and getting paid faster.

Practical guides for European freelancers and small B2B operators — written by people who actually run the books.

Getting Paid Faster16 Jun 20266 min read

Final Demand for an Unpaid Invoice: Template + What Comes Next

A final-demand (letter before action) template for an unpaid invoice — the exact wording, the statutory interest to add, and the small-claims options in the EU and UK if the client still won't pay.

Getting Paid Faster15 Jun 20266 min read

Payment Reminder Email Templates: Polite, Firm, and Final

Copy-paste payment reminder email templates for every stage — a gentle nudge before the due date through to a final demand — with subject lines, exact wording, and when to send each.

Getting Paid Faster14 Jun 20264 min read

Invoice Follow-Up Checklist: From Sent to Paid

A step-by-step invoice follow-up checklist — what to do the moment you send an invoice, the reminder schedule, when to escalate, and the records to keep so nothing slips to 60+ days.

Tax & VAT14 Jun 20269 min read

What Is VAT? A Plain-English Guide for EU Freelancers

What VAT is, how output and input VAT work, and what changes when you register — explained for EU freelancers and small businesses in 2026.

Tax & VAT14 Jun 20268 min read

Reverse Charge: Cross-Border EU B2B VAT Explained

Why you charge 0% VAT on services to EU business clients, the Article 44 and 196 rules, VIES checks, and the exact invoice wording to use in 2026.

Tax & VAT14 Jun 202610 min read

Do I Need to Register for VAT? EU Thresholds 2026

VAT registration thresholds across the EU in 2026 — Germany, France, Ireland, Netherlands, Italy, Spain — plus the new cross-border SME scheme explained.

Tax & VAT14 Jun 20269 min read

VAT on B2C Sales, OSS and Exports Outside the EU

The €10,000 OSS threshold, when to charge customer-country VAT, the One-Stop-Shop, zero-rated exports and services to non-EU clients — for 2026.

Tax & VAT14 Jun 20268 min read

ViDA & E-Invoicing: What Is Changing for EU VAT

ViDA (VAT in the Digital Age) explained: what is in force now versus scheduled, the e-invoicing and digital reporting timeline to 2035, for freelancers.

Getting Paid Faster13 Jun 20265 min read

How Long Should You Wait Before Chasing an Invoice?

How long to wait before chasing an invoice — why you should start before the due date, when an invoice is legally overdue, and the exact reminder schedule that gets you paid without nagging.

Getting Paid Faster11 Jun 20266 min read

Late-Payment Interest in the EU & UK: What You're Owed on Overdue Invoices

How much late-payment interest you can charge on an overdue B2B invoice in the EU and UK — the statutory rates, the fixed recovery fee, a worked calculation, and how to actually claim it.

Freelance Business22 May 20269 min read

How to Invoice as a Freelance Software Developer (EU Guide)

A practical invoicing guide for freelance and contract software developers in the EU — day vs hourly rates, what to put on the invoice, and the cross-border VAT reverse-charge rules that trip up most B2B devs.

Getting Paid Faster7 May 20268 min read

How to Chase Unpaid Invoices Politely: Templates + Late-Payment Interest

Chase unpaid invoices and get paid — a calm five-step sequence with copy-paste reminder email templates, when to send each one, and the late-payment interest you're owed.

Invoicing Fundamentals20 Apr 20266 min read

What to Include on an Invoice: The Complete Checklist

What to put on an invoice: a copy-paste checklist of every field a professional invoice needs — EU-specific extras and the optional bits that quietly accelerate payment.

Invoicing Fundamentals2 Apr 20267 min read

How to Write a Freelance Invoice (With Examples)

A practical, jargon-free guide to writing a freelance invoice that gets paid on time. Includes the eight essentials, a worked example, and EU-specific notes on VAT and reverse charge.