About
Useful financial information for the self-employed in Belgium
Pensions, tax, status: all the information the self-employed in Belgium need, free calculators and, if you wish, contact with a licensed professional.
Updated on
By the Finances Indépendants editorial team
What you will find on the site
Clear explanations of the topics that weigh on the finances of a self-employed person in Belgium: supplementary pensions, personal income tax, social security contributions, the choice between trading in your own name and setting up a company, and protection if you become unable to work.
- Calculators to put figures on a PLCI/VAPZ, an IPC or your NISSE (INASTI) contributions.
- Practical guides and thematic sections, such as pensions for the self-employed.
- A glossary for technical terms (PLCI/VAPZ, POZ/CPTI, 80% rule…).
- Articles on rule changes and frequently asked questions.
Free, with no sign-up
All pages and all calculators are free and available without an account. Only downloading a PDF guide and receiving a simulation report require an email address, so that we can send it to you.
Information kept up to date
Ceilings, rates and thresholds change every year, and some social security thresholds even change during the year. Every page shows its last updated date and links to the official sources: NISSE (INASTI), FPS Finance, FSMA, Sigedis.
Get a call back from a licensed professional
If you would like to go further, leave your details on the Contact page: an adviser or broker registered with the FSMA may get back to you. Free and with no obligation.
Your data is used solely to handle your request, as set out in the privacy policy.
Information for guidance only
The content and the calculator results are provided for guidance only. They do not constitute personalised advice and do not take your whole situation into account. Consult a licensed professional before making any decision.
Sources
- FSMA, Register of supervised intermediaries. View (new tab)(Official source, accessed on 2026-10-11)
- NISSE (INASTI), Social security contributions and pensions for the self-employed. View (new tab)(Official source, accessed on 2026-10-11)
- FPS Finance, Personal income tax, rates and deductions. View (new tab)(Official source, accessed on 2026-10-11)
Frequently asked questions
About the site
Finances Indépendants is a free information platform dedicated to the finances of the self-employed in Belgium: pensions (PLCI/VAPZ, IPC, POZ/CPTI, statutory pension), tax (personal income tax, business expenses, 80% rule), social security contributions, status and protection. The site offers guides, calculators, a glossary and articles.
No. The guides, calculators, glossary and articles are free to use, with no account needed. PDF guides can be downloaded in exchange for an email address.
No. The content and the calculator results are provided for guidance only. They help you understand how things work and prepare your questions, but they do not take your whole situation into account. Consult a licensed professional before making any decision.
You leave your details through the contact form or at the end of a simulation. An adviser or broker registered with the FSMA may then get back to you. It is free and with no obligation. Your data is used solely to handle that request, as described in the privacy policy.
Amounts, ceilings and rates correspond to the current year. Some social security thresholds are adjusted during the year, notably in March and September. Every page shows its last updated date and links to the official sources (NISSE/INASTI, FPS Finance, FSMA, Sigedis).
The FSMA publishes the register of insurance and banking intermediaries on its website, fsma.be. Searching it is free and instant. It is the only authoritative register in Belgium: check it before entrusting your file to an intermediary.
The easiest way is the form on the Contact page. You can also write to contact@finances-independants.be.