Jeroen van Willigen 1,0 11 Apr 2026 Google

MCCR in general, and financial advisor/tax specialist Chris Ribbens in particular, accepts no responsibility for poor advice, which placed my company and our personal financial situation at great risk (we have since switched to a new accountant, with whom I am very satisfied). I contacted Mr. C. Ribbens by email (which received no response) and registered letter regarding the poor service and negligence. In response, I received the following email: "We have received your registered letter in good order. The matter is closed for us; we will not do anything further with the contents." In summary, the situation concerns the following: • We had unknowingly accumulated a high current account debt (unknowingly because, when establishing the BV, we had agreed to offset non-business-related expenses annually as dividend payments, which later turned out to have never occurred). While this current account debt already existed, MCCR recommended a pension plan that left us with no funds available to repay the current account debt. With my layman's understanding, I believe we should have first paid off the current account debt and then explored pension options. Of course, I'm aware that we could have checked things more thoroughly ourselves, but I assume a contractor always acts in the best interests of their client, and therefore I (in hindsight) blindly followed Mr. Ribbens's advice. • The transferred files from MCCR show that a conscious decision was made to be paid as my wife's employee. However, the benefits agencies can reject a potential claim for benefits if there is insufficient evidence that a normal employment relationship (with authority) exists. This should have been coordinated with the tax authorities at the outset, which did not happen. Our new accountant subsequently conducted this coordination, which revealed that the premiums had been paid incorrectly for years. • On MCCR's advice, a dividend distribution was made to reduce the current account balance with the private limited company (BV). However, the pension calculations revealed such a high pension obligation (and pre-death risk for survivors' pensions) that a dividend payment should not have been made. To avoid problems with the tax authorities regarding the buyout of the pension obligation, the decision was made to reverse the dividend payment. This was because we ran the risk of the entire pension entitlement being taxed at once with payroll tax and fined with, among other things, reassessment interest. Given my director's liability, I personally bore this risk, something I could not possibly have afforded. • Mr. Ribbens never addressed the criticisms I raised when we parted ways. In fact, I received an implicit threat that my file would not be transferred to the new accountant if I did not pay the final invoice in full (even though I had always met my payment obligations without any problem). My general feeling is that Mr. Ribbens led us into complicated schemes (with very high costs for his "consultancy"), making us dependent on his services, but in doing so, he consistently failed to properly investigate our file and financial situation. I also filed these complaints with the NBA (Dutch Association of Banks), but they were unable to process them because MCCR and/or Mr. Ribbens are not listed in their register. Unfortunately, I also couldn't find them in any other register (such as NOAB, RB, or NOB), which, in my opinion, is indicative of a party trying to avoid liability.

Eise van Maanen 5,0 11 Apr 2026 Google

A fantastic financial advisor and tax specialist who consistently provides positive, expert advice based on a wealth of experience and knowledge. I highly recommend this expert!

Igor Termohlen 5,0 11 Apr 2026 Google