Taxes · · 4 min read

Švarcsystém in 2026: the warning signs and the fines

Invoicing one client full time? How Czech labour inspectors spot švarcsystém, what the fines are in 2026, and how to make freelance work survive a check.

You invoice one client on your živnost (trade licence), you sit in their office, you work on their laptop and their logo sits in your e-mail signature. If that describes your week, read this twice. Švarcsystém — performing dependent work outside an employment relationship — is illegal in Czechia, and enforcement has tightened. Since 2025 labour inspectors may make covert audio and video recordings, and a single finding is enough to prove the case; they no longer have to document a long-running pattern.

What švarcsystém actually is

Under the Czech Labour Code, work counts as dependent work — that is, employment — when it is performed in a relationship of superiority and subordination, in the employer's name, on the employer's instructions and in person. If that is how you genuinely work, no "cooperation agreement" will save the arrangement. What decides the case is the factual situation, not the paperwork.

What inspectors look at

Warning signWhat points to genuine business
One client, long term, full timeSeveral clients, even if some are small
Fixed working hours and attendance recordsYou decide when and where you work
Laptop, phone and licences supplied by the clientYour own equipment and tools, recorded as expenses
Company e-mail, business card, a place on the org chartYour own brand, website and e-mail
Hourly pay for time at the desk, holiday you have to get approvedInvoicing for a deliverable, your own price list
You cannot turn down work you are givenYou take on and decline jobs freely

No single sign settles the matter — inspectors and courts weigh the whole picture. That is what the case law around "external" programmers turns on: formally sole traders, in practice team members with fixed hours and stand-ups. The company's fine was upheld.

What is at stake in 2026

  • The company: a fine of CZK 50,000 to CZK 10,000,000, a ban on the activity for up to two years, publication on the labour inspectorate's blacklist and the status of an unreliable employer.
  • You, the OSVČ (sole trader): a fine of up to CZK 100,000 for performing illegal work.
  • The tax aftermath, for both sides: inspectorates pass their findings to the tax authorities, so tax can be reassessed within the assessment period (a basic three years, extendable up to ten) and insurance contributions up to ten years back — in your case typically by reclassifying favourable OSVČ contributions as contributions on employment income.
⚠️ "That is the company's problem, not mine" does not hold. The worker can be fined too — and more to the point, you lose the client from one day to the next, with no notice period and no severance. Švarcsystém is mainly a risk to you.

How to lower the risk if you do want to work on a trade licence

A sole trader working for a company is perfectly legal. Only disguised employment is not. What helps an arrangement survive an inspection:

  1. Spread your client base. Even one extra small job a year changes the picture. Keep acquiring on your own account — a website, a portfolio, a profile on freelance platforms.
  2. Invoice for a result, not for attendance. A defined deliverable, milestones or a monthly fee for an agreed scope reads better than "160 hours at X CZK".
  3. Work on your own equipment and claim it as a tax-deductible expense — your own laptop, software and phone are evidence of independence at the same time.
  4. Sign a commercial contract: the right to decline a job, your own liability for defects (professional liability insurance is worth considering), the right to send a substitute.
  5. Behave like a business: your own invoices with your own number series, a price list, expense records, your own e-mail address. Clients read it as professionalism — and during an inspection it is evidence you cannot buy afterwards.
💡 Orderly records help here too: a sole trader with their own invoicing, several clients in the address book, recorded equipment expenses and their own pricing has a far easier case to make. In Taxorio all of that accumulates as a by-product of ordinary work — invoices, expense records and client management.

When it is time to act

If you ticked most of the left-hand column above, you have two honest options: move to an employment contract with that client (part time counts), or genuinely go independent — take on other clients and set the arrangement up again from scratch. Our breakdown of how much a sole trader really keeps from what they invoice is a useful input, and so is a comparison of trading as an s.r.o. (Czech limited company) against staying an OSVČ.

In short

Švarcsystém is not about what your contract says; it is about what the working relationship looks like in practice. Inspections have been tougher since 2025 — covert recordings, a single finding as proof, fines up to CZK 10 million for the company and CZK 100,000 for the sole trader — and IT and marketing freelancers are squarely in scope. The best defence is real independence: several clients, your own equipment, invoicing for a result, and records you can put in front of an inspector.

Taxorio scope: Taxorio provides invoicing and income/expense records for Czech sole traders. It is not full accounting or personalised tax advice. For an unsupported or unusual case, verify the treatment with a Czech accountant or tax adviser before filing.

Frequently asked questions

What is švarcsystém and why is it illegal?
Švarcsystém means performing dependent work outside an employment relationship: someone formally invoices as an OSVČ (sole trader) but in practice works as an employee — on instructions, in the company's name, in a position of subordination. The Czech Labour Code requires dependent work to be performed under an employment contract, and getting around that is an offence for the company and for the worker alike.
What are the fines for švarcsystém in 2026?
The company faces a fine of CZK 50,000 to CZK 10 million, a ban on the activity for up to two years and publication of the offence; the sole trader faces a fine of up to CZK 100,000. On top of that, the labour inspectorate and the tax authorities share their findings, so tax can be reassessed within the basic three-year assessment period (which can be extended) and insurance contributions up to ten years back.
Does working for a single client automatically count as švarcsystém?
No. One client is a warning sign, but the overall picture decides: who sets the working hours, whose equipment you use, whether you invoice for a result, whether you can decline work and whether you carry liability. A long-term exclusive arrangement that also shows signs of subordination is unlikely to survive an inspection, though.
How can a sole trader reduce the risk of švarcsystém?
Build genuine independence: several clients, your own equipment claimed as an expense, invoicing for a deliverable or a result rather than for hours worked, a contract that lets you decline a job and makes you liable for defects, and your own invoicing and records. What counts is the factual situation, not the wording of the contract.
Can the labour inspectorate record an inspection covertly?
Yes. Since 1 January 2025 inspectors may make audio and video recordings during an inspection without the knowledge of the people being inspected, where that is needed to prove a breach. They use it to document things like a sole trader keeping fixed office hours or sitting in on internal company meetings.