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You have just started to work as a self-employed person in a (para)medical profession. It is not easy to save, but you still want your savings to yield a nice return. This will not be possible with a savings account, because in most cases there is not even an interest rate. More than ever, a branch...

Everyone dreams of a high return on their savings. With the extremely low interest rates today, this is unfortunately not very realistic. Many people are therefore thinking of investing their savings in products linked to the stock market, such as shares, funds, branch 23 insurance, etc. Here are...

Group insurance offers workers the advantage of building up additional pension capital. Even if retirement may seem far away for many of your workers, it can be an important additional asset in recruiting new employees. Group insurance can provide several guarantees: constitution of a supplementary...

Group insurance can provide employees with a supplementary pension. The premiums are invested according to a guaranteed return (branch 21) or in underlying funds (branch 23). Can an employer decide to switch from a branch 23 to a branch 21 group insurance policy? Yes, if there is a business plan ...

Since mid-2018, self-employed people without a company can sign a Pension Agreement for the Self-employed (PCS) in order to build up a supplementary pension. What does this consist of? And what are the advantages and disadvantages? THE BACKGROUND It is well known that it is in the best interest of...

Since the entry into force of the new student-entrepreneur status at the beginning of 2017, the combination of studies and entrepreneurship has continued to gain in popularity. The support of Unizo (Dutch-speaking Union of Self-employed Entrepreneurs) and universities in the transition to...

There is now a new tax on securities accounts. But what exactly is it? And can it be avoided? Who has to pay? Any individual with a securities account with a total value of at least €500,000 will now pay a tax of 0.15% . This could lead to special situations, as a person with a securities account...

Soon, the first deadlines for the 2019 tax declaration will be here. If you opt for a declaration via Tax-on-web, you have until Thursday 11 July. Otherwise, your declaration must be sent by post before Friday 28 June 2019. And if your accountant is in charge of filling it in, the deadline is 24...

The average Belgian pays high taxes. There are, however, many possibilities to pay less taxes. Savings and investment in a house, in your pension or in your future are encouraged by the public authorities. You can thus reduce your taxes in different ways. Long-term savings The tax basket is...