Taxes and levies eat your profit.
We lower both. Legally.
With levers like bAV and bKV, levies become benefits: your team gets more, you pay less.
30 minutes · no obligation · no product selling
What your company gets
Your resultEmployees stay
via bAV & bKV
Levies drop
up to 338 €/mo tax-free
Liquidity holds
factoring & financing
Your profit stays in the company.
Every gap costs you money.
Every advisor optimises their own product. In between, you lose staff, net pay and liquidity, often without noticing. What the numbers say:
of your employees do the bare minimum. A pay rise does not change that.
Gallup 2025
of a €100 pay rise reaches the employee. Tax and contributions take the rest.
Example
total levy ratio, a record in Germany. Legal scope often stays unused.
IW Köln 2025
you wait for payment while you pay wages today. One default breaks the chain.
Example
becomes unable to work once. Does your revenue hang on a few people?
Industry standard
of companies were attacked. The question is not whether, but whether you notice.
Bitkom 2025
Are you using these numbers yet?
€338
per month per employee
flows into retirement provision in 2026 free of tax and social charges. Plus at least a 15% employer top-up.
€676
per month for managing directors
can be moved tax-free from the company into your own provision in 2026, as a business expense.
€0
extra cost for the pension scheme rules
Every bAV needs this legal foundation (Versorgungsordnung). Often €2,000 to €3,000 at a law firm, included with us.
As of 2026, 4% / 8% of the contribution assessment ceiling. We calculate your specific case.
Six separate, or one plan.
House bank, agent, broker, tax advisor: each sells their own field. We compare 130+ partners and think it all together.
Your stake: 30 minutes. Your risk: none.
The first consultation is free and without obligation. You get the full picture and decide at your own pace.
Six levers, one plan.
Each one retains people or saves money. Together, in the right order, they become your system.
From zero to a plan in 30 minutes.
Free and without obligation. At the end you know which lever pays off first.
Map the situation
Headcount, existing benefits, open levers: we look at the whole.
Calculate the levers
Your real case: bAV, bKV, payroll, tax, liquidity and protection.
Plan & next step
You see what pays off first and how implementation starts cleanly.
Frequently asked questions
We already have a tax advisor and a broker. Why 360?
You keep them. Each optimises their own field, nobody the whole picture. We put the levers in the right order, together with your existing partners.
Do I have to buy anything in the meeting?
No. The check is an analysis, not a product sale. You see your levers and decide at your own pace.
From how many employees is bAV worthwhile?
From the very first employee there is a legal right to salary conversion, we set it up efficiently for you.
What does setup cost?
The initial consultation and employer check are free. Implementation depends on your model.
Do you handle administration?
Yes. We manage contracts, changes and communication with your team on an ongoing basis.
Where is your biggest lever?
Free employer check in 30 minutes, no obligation. Every month without a plan gives away contribution savings you will not get back.