Structured addresses: what changes for your QR-bills on 1 October 2026
The QR standard only accepts structured addresses. Banks tolerate the old format until the end of September 2026. How to check yours in two minutes.
The notebook
The Bilto notebook
What you need to know to invoice properly in Switzerland: deadlines, compulsory details, VAT. Written for tradespeople, not for accountants.
What goes into a tradesperson's quote in Switzerland
A quote is not compulsory under Swiss law, but once accepted it binds. The items you cannot leave out, and the difference between an estimate and a fixed price.
Swiss VAT for tradespeople: when to register, which rates apply
The CHF 100,000 threshold, the three rates in force, and what has to appear on your invoice. The essentials in five minutes.
Unpaid invoice: chasing, formal notice, and what comes next
The reminder, formal notice, the 5% default interest and debt enforcement. What Swiss law lets you do, in the order to do it.
How much deposit to ask for on a job
No law fixes the amount. What is customary, what you can defend, and how to write it so it does not get argued.
How long to keep your quotes and invoices
Ten years, from the end of the financial year. What it covers, what going digital changes, and what has to be guaranteed.