{"id":14268,"date":"2025-11-04T21:19:46","date_gmt":"2025-11-04T20:19:46","guid":{"rendered":"https:\/\/x-group.de\/no-more-fear-starting-a-business-from-alg-ii-how-to-secure-your-livelihood-entwurf\/"},"modified":"2026-10-13T15:05:52","modified_gmt":"2026-10-13T13:05:52","slug":"no-more-fear-starting-a-business-from-alg-ii-how-to-secure-your-livelihood","status":"publish","type":"post","link":"https:\/\/x-group.de\/en\/no-more-fear-starting-a-business-from-alg-ii-how-to-secure-your-livelihood\/","title":{"rendered":"No More Fear: Starting a Business from ALG II \u2013 How to Secure Your Livelihood!"},"content":{"rendered":"<div id=\"xg-preview-v2\">\n<header class=\"xg-head\">\n<div class=\"xg-wrap xg-head-inner\"><a aria-label=\"X-Group homepage\" class=\"xg-logo\" href=\"https:\/\/x-group.de\/en\/\"><img decoding=\"async\" alt=\"X-Group\" height=\"47\" src=\"https:\/\/x-group.de\/wp-content\/uploads\/2023\/06\/X-GROUP-logo-250x86.png\" width=\"126\"\/><\/a><button aria-controls=\"xg-main-nav\" aria-expanded=\"false\" class=\"xg-menu-toggle\">Menu<\/button><\/p>\n<nav aria-label=\"Main navigation\" class=\"xg-nav\" id=\"xg-main-nav\">\n<details>\n<summary>Financing<\/summary>\n<div class=\"xg-subnav\"><a href=\"https:\/\/x-group.de\/en\/startup-financing\/\">Start-up Financing<\/a><a href=\"https:\/\/x-group.de\/en\/kfw-startgeld\/\">KfW StartGeld<\/a><a href=\"https:\/\/x-group.de\/en\/financing-rejected\/\">Financing Rejected<\/a><a href=\"https:\/\/x-group.de\/en\/business-acquisition-financing\/\">Business Acquisition<\/a><a href=\"https:\/\/x-group.de\/en\/restaurant-financing\/\">Gastronomy<\/a><a href=\"https:\/\/x-group.de\/en\/restaurant-acquisition-financing\/\">Restaurant Takeover<\/a><a href=\"https:\/\/x-group.de\/en\/medical-practice-acquisition-financing\/\">Practice Takeover<\/a><a href=\"https:\/\/x-group.de\/en\/pharmacy-financing\/\">Pharmacy<\/a><a href=\"https:\/\/x-group.de\/en\/retail-financing\/\">Retail<\/a><a href=\"https:\/\/x-group.de\/en\/trades-business-financing\/\">Craft Business<\/a><a href=\"https:\/\/x-group.de\/en\/financing-check\/\">Financing Check<\/a><\/div>\n<\/details>\n<details>\n<summary>Funding<\/summary>\n<div class=\"xg-subnav\"><a href=\"https:\/\/x-group.de\/en\/startup-grant\/\">Start-up Grant (Gr\u00fcndungszuschuss)<\/a><a href=\"https:\/\/x-group.de\/en\/avgs-startup-coaching\/\">AVGS Start-up Coaching<\/a><a href=\"https:\/\/x-group.de\/en\/bafa-consulting\/\">BAFA Consultancy Funding<\/a><a href=\"https:\/\/x-group.de\/en\/funding\/\">Overview of Funding Options<\/a><\/div>\n<\/details>\n<details>\n<summary>Services<\/summary>\n<div class=\"xg-subnav\"><a href=\"https:\/\/x-group.de\/en\/services\/\">All Services &amp; Packages<\/a><a href=\"https:\/\/x-group.de\/en\/business-plan\/\">Business Plan<\/a><a href=\"https:\/\/x-group.de\/en\/financial-plan\/\">Financial Plan<\/a><a href=\"https:\/\/x-group.de\/en\/services\/#module\">24 Advisory Modules<\/a><\/div>\n<\/details>\n<details>\n<summary>Best Cases<\/summary>\n<div class=\"xg-subnav\"><a href=\"https:\/\/x-group.de\/en\/client-results\/\">Client Results &amp; Videos<\/a><\/div>\n<\/details>\n<details>\n<summary>About Us<\/summary>\n<div class=\"xg-subnav\"><a href=\"https:\/\/x-group.de\/en\/daniel-schaefer\/\">Daniel Sch\u00e4fer<\/a><a href=\"https:\/\/x-group.de\/en\/team\/\">Team &amp; X-Group<\/a><a href=\"https:\/\/x-group.de\/en\/contact\/\">Contact<\/a><a href=\"https:\/\/x-group.de\/en\/links\/\">All Appointments &amp; Direct Links<\/a><\/div>\n<\/details>\n<details>\n<summary>Knowledge &amp; Free Resources<\/summary>\n<div class=\"xg-subnav\"><a href=\"https:\/\/x-group.de\/en\/knowledge\/\">Knowledge &amp; Guides<\/a><a href=\"https:\/\/x-group.de\/en\/downloads\/\">Forms &amp; Downloads<\/a><a href=\"https:\/\/www.youtube.com\/channel\/UCmlJMIv8lRTEkXNHcFzQtZw\/\">YouTube<\/a><\/div>\n<\/details>\n<\/nav>\n<p><a class=\"xg-btn xg-head-cta\" href=\"https:\/\/x-group.de\/en\/financing-check\/\">Financing Check<\/a><\/div>\n<\/header>\n<p><main><\/p>\n<section class=\"xg-page-hero\">\n<div class=\"xg-wrap\"><span class=\"xg-eyebrow\">Knowledge &amp; resources \u00b7 Germany<\/span><\/p>\n<h1>No More Fear: Starting a Business from ALG II \u2013 How to Secure Your Livelihood!<\/h1>\n<p>Original article: 2025-11-04. English translation. Programme details reflect the original publication date.<\/p>\n<\/div>\n<\/section>\n<section class=\"xg-section\">\n<div class=\"xg-wrap xg-article-body\">\n<p>Are you dreaming of being your own boss, building a company, and achieving financial freedom? But one concern is holding you back: the fear that <b>finalise your start-up?<\/b> from the <b>ALG II<\/b>benefit (Hartz IV) you might lose your financial security. Let me reassure you: <b>This fear is unfounded!<\/b> With the right strategy and the correct documents, the step into <b>self-employment<\/b> is not only safe, but the beginning of your success.<\/p>\n<p>We at X-Group, your institute for <b>Start-up Financing<\/b> and business development, have already helped countless people make the transition from ALG II to successful self-employment. Rely on our expertise and learn how to communicate effectively with the Jobcenter to ensure your rent, health insurance, and living expenses remain secure.<\/p>\n<p><div class=\"ast-oembed-container \" style=\"height: 100%;\"><iframe title=\"EKS f\u00fcrs Jobcenter richtig ausf\u00fcllen (Einkommensnachweis f\u00fcr Selbst\u00e4ndige im ALG II - Bezug)\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/DkAhQURlH-Y?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div>\n<\/p>\n<h2>EKS: The right profit expectation is crucial<\/h2>\n<p>You usually submit the EKS every six months. First, a <b>forward-looking estimate<\/b> of your income and expenses for the coming half-year. <b>Be particularly careful here!<\/b> An overly optimistic forecast can immediately lead to a drastic reduction in your ALG II benefits, even before you have earned your first euro. For example, if you declare too high a profit, the Jobcenter will reduce your benefits in advance. This could mean you are unable to pay your rent if your expected success does not materialise.<\/p>\n<p><b>Our recommendation:<\/b> At the beginning, submit a <b>conservative profit forecast<\/b> in your forward-looking EKS. This will initially secure you the full ALG II payment. Six months later, you submit the <b>final EKS<\/b>, which sets out the actual income and expenses for the period.<\/p>\n<h2>The Jobcenter trap: Not all business expenses are recognised<\/h2>\n<p>Attention: The Jobcenter is different from the tax office! The tax office recognises almost all legal business expenses. The Jobcenter does not. For example, expenses for <b>training<\/b> or certain <b>business meals<\/b> can be completely excluded by the Jobcenter. Even for tax advisory costs, often only a portion is recognised.<\/p>\n<p><b>The consequence:<\/b> If your costs are excluded, your <b>calculated profit<\/b> for the Jobcenter increases. If this profit then exceeds your allowance, you will have to repay ALG II benefits retrospectively. For example, if you align your EKS exactly with the allowance and then \u20ac1,000 in costs are excluded, you will have to repay this \u20ac1,000 or receive that much less.<\/p>\n<h2>Your success factor: Competent start-up advice<\/h2>\n<p>Starting a business with ALG II is possible, but complex. The pitfalls of the EKS and the different rules for business expenses can quickly lead to mistakes that cost you a lot of money. X-Group knows these processes in detail. We offer you not only expertise in <b>business plan preparation<\/b> and <b>Funding<\/b>applications, but also specialised knowledge in dealing with the EKS. We help you assess all items correctly and, if required, provide you with professional <b>Excel templates<\/b> to put an end to the chaos of calculators and paper forms.<\/p>\n<p>We wish you every success with your start-up! Remember, with ALG II the Jobcenter always secures your basic needs, <b>provided you communicate correctly<\/b>. We can help you fill in the forms and tables correctly.<\/p>\n<h2>Your next step towards a secure start-up!<\/h2>\n<p><strong>Book your free initial consultation on financing now and take advantage of our expertise in start-up advice! Let us work together to ensure your EKS is perfect from the outset so you can fully focus on your growth.<\/strong><\/p>\n<h2>About X-Group <\/h2>\n<p>Belief in your potential and a focus on the things that truly move you forward are the top priorities at X-Group GmbH in Berlin. You receive tailored support that identifies the most important bottlenecks. This way, you remove obstacles and can work purposefully towards your success.<\/p>\n<\/div>\n<\/section>\n<p><\/main><\/p>\n<footer class=\"xg-footer\">\n<div class=\"xg-wrap\">\n<div class=\"xg-footer-top\"><img decoding=\"async\" alt=\"X-Group\" height=\"56\" src=\"https:\/\/x-group.de\/wp-content\/uploads\/2023\/06\/X-GROUP-logo-250x86.png\" width=\"150\"\/><\/p>\n<p>We prepare start-ups and businesses for financing and funding.<\/p>\n<\/div>\n<div class=\"xg-footer-cols\">\n<div>\n<h3>Start-up &amp; financing<\/h3>\n<p><a href=\"https:\/\/x-group.de\/en\/startup-financing\/\">Start-up Financing<\/a><a href=\"https:\/\/x-group.de\/en\/business-plan\/\">Business Plan<\/a><a href=\"https:\/\/x-group.de\/en\/financial-plan\/\">Financial Plan<\/a><a href=\"https:\/\/x-group.de\/en\/kfw-startgeld\/\">KfW StartGeld<\/a><a href=\"https:\/\/x-group.de\/en\/financing-rejected\/\">Financing Rejected<\/a><a href=\"https:\/\/x-group.de\/en\/business-acquisition-financing\/\">Business Acquisition<\/a><\/div>\n<div>\n<h3>Funding &amp; consulting<\/h3>\n<p><a href=\"https:\/\/x-group.de\/en\/startup-grant\/\">Start-up Grant (Gr\u00fcndungszuschuss)<\/a><a href=\"https:\/\/x-group.de\/en\/avgs-startup-coaching\/\">AVGS coaching<\/a><a href=\"https:\/\/x-group.de\/en\/bafa-consulting\/\">BAFA consulting<\/a><a href=\"https:\/\/x-group.de\/en\/services\/\">All services<\/a><a href=\"https:\/\/x-group.de\/en\/funding\/\">Funding<\/a><a href=\"https:\/\/x-group.de\/en\/financing-check\/\">Financing Check<\/a><\/div>\n<div>\n<h3>Daniel &amp; X-Group<\/h3>\n<p><a href=\"https:\/\/x-group.de\/en\/daniel-schaefer\/\">Daniel Sch\u00e4fer<\/a><a href=\"https:\/\/x-group.de\/en\/team\/\">Our team<\/a><a href=\"https:\/\/x-group.de\/en\/client-results\/\">Best Cases<\/a><a href=\"https:\/\/x-group.de\/en\/contact\/\">Contact<\/a><a href=\"https:\/\/x-group.de\/en\/#kalender\">Initial consultation<\/a><a href=\"https:\/\/x-group.de\/en\/links\/\">All appointments \/ links<\/a><\/div>\n<div>\n<h3>Knowledge &amp; legal information<\/h3>\n<p><a href=\"https:\/\/x-group.de\/en\/knowledge\/\">Guides &amp; blog<\/a><a href=\"https:\/\/x-group.de\/en\/downloads\/\">Forms &amp; Downloads<\/a><a href=\"https:\/\/x-group.de\/en\/legal-notice\/\">Imprint<\/a><a href=\"https:\/\/x-group.de\/en\/privacy-policy\/\">Data protection<\/a><\/div>\n<\/div>\n<div class=\"xg-footer-bottom\"><span>\u00a9 2026 X-Group \u00b7 <a href=\"tel:+4930683282600\">030 683 282 600<\/a> \u00b7 <a href=\"mailto:team@x-group.de\">team@x-group.de<\/a><\/span><span><a href=\"https:\/\/x-group.de\/wp-content\/uploads\/2023\/06\/AGB-x-group-GmbH-2015.pdf\">Terms &amp; Conditions<\/a> \u00b7 <button id=\"xg-cookie-settings\" type=\"button\">Cookie settings<\/button><\/span><\/div>\n<\/div>\n<\/footer>\n<div class=\"xg-mobile-cta\" hidden=\"\"><a class=\"xg-btn\" href=\"https:\/\/x-group.de\/en\/#kalender\">Free initial consultation <span aria-hidden=\"true\">\u2197<\/span><\/a><a aria-label=\"Call X-Group\" href=\"tel:+4930683282600\">\u260e<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Menu Financing Start-up FinancingKfW StartGeldFinancing RejectedBusiness AcquisitionGastronomyRestaurant TakeoverPractice TakeoverPharmacyRetailCraft BusinessFinancing Check Funding Start-up Grant (Gr\u00fcndungszuschuss)AVGS Start-up CoachingBAFA Consultancy FundingOverview of Funding Options Services All Services &amp; PackagesBusiness PlanFinancial Plan24 Advisory Modules Best Cases Client Results &amp; Videos About Us Daniel Sch\u00e4ferTeam &amp; X-GroupContactAll Appointments &amp; Direct Links Knowledge &amp; Free Resources Knowledge &amp; GuidesForms &amp; [&hellip;]<\/p>\n","protected":false},"author":18,"featured_media":12432,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"tags":[],"class_list":["post-14268","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-unkategorisiert"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>No More Fear: Starting a Business from ALG II \u2013 How to Secure Your Livelihood! - X-Group<\/title>\n<meta name=\"description\" content=\"Original article: 2025-11-04. 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