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Guides, comparisons and tax explainers: everything you need to optimise your finances as a self-employed person in Belgium.
Status
How do you calculate your day rate as a self-employed person without forgetting contributions and tax?
Self-employed day rate: start from your truly billable days, add NISSE contributions and expenses, keep VAT separate. The method and a worked example.Social contributions
Self-employed as a side activity: is there an income ceiling you must not exceed?
Self-employed as a side activity: no income ceiling makes you lose the status, but two thresholds change your contributions. Which ones, and how much in 2026.Statutory pension
Minimum pension for the self-employed: what career do you need to qualify?
Minimum pension for the self-employed: 30 years of career, effective work required since 2025, pro rata calculation. The conditions and pitfalls, for 2026.Tax
Investment deduction: how much extra can a self-employed person deduct?
Basic, thematic or technology deduction: what the self-employed deduct on top of depreciation when they invest, the exclusions and how to use form 276U.Status
Are self-employed people entitled to paid holidays? What the status says and how to fund your time off
No holiday pay or paid leave for the self-employed in Belgium: what the social status covers, what keeps running and how to set money aside for holidays.Protection
Foster care parental leave for the self-employed: how many weeks and how to apply?
Foster families and self-employment: weeks of foster care parental leave, sharing between parents, the 12-month deadline, conditions and how to apply.Statutory pension
Buying back your study years for your self-employed pension: cost and deadline
Self-employed? Your study years can count towards your pension, for a fee. Cost per quarter, the ten-year deadline, how to apply and the limits to know.Protection
Birth leave for the self-employed: how many days and what allowance?
Self-employed father or co-parent: 20 days of birth leave, a flat daily allowance, conditions, application deadline and the service voucher option.Social contributions
Unpaid social security contributions: what late payment costs and how to get out of it
An unpaid quarter costs 3% per quarter of delay, then 7% on 1 January. Worked example, waiver of surcharges and repayment plans for the self-employed.Tax
Home office: which expenses can a self-employed person deduct?
Rent, energy, running costs: the business share of your home is deductible, but only under actual expenses. The rules, the allocation key and the pitfalls.Protection
Informal carer allowance: how much does a self-employed person receive when they stop work to care for a loved one?
Stopping work to care for a seriously ill relative or a disabled child: the NISSE carer allowance amount, maximum duration, conditions and timing pitfalls.Social contributions
NISSE withholding obligation: what changes on 30 October 2026 for construction and cleaning
From 30 October 2026, a client withholds 15% of your invoice if you owe social security contributions. Who is affected, the threshold and how to avoid it.Tax
Tax return for the self-employed: get everything done before 31 October 2026
For 2025 income, self-employed people filing online have until 31 October 2026. Who qualifies, the documents to gather and what filing late will cost.Statutory pension
Combining a pension with self-employed work: what is allowed and what it costs
Retired but still self-employed: when combining is unlimited, when your income is capped, and which NISSE social security contributions you still have to pay.Protection
Bridging right: which self-employed people are entitled, and how not to lose it?
Bankruptcy, forced closure, economic difficulties: the bridging right conditions, the application deadline not to miss and the rules on starting work again.Status
Self-employed student: the status no longer ends at 25
Since 1 October 2026, a self-employed student keeps the status after 25 if they already had it. What changes, what stays, the 2026 contribution thresholds.Tax
Mandatory e-invoicing: what the self-employed must do in 2026
Since 2026, a PDF is no longer enough between businesses. Who is affected, VAT exemption included, what the end of tolerance changes and the 120% deduction.Statutory pension
Pension reform 2027: what changes for the self-employed
Malus, bonus, the 156-day condition, retiring at 60: the law of 30 May 2026 applies from 1 January 2027. What it changes for a self-employed person.Tax
Salary, pension, dividend: in what order to take money out of your SRL
Remuneration, IPC, VVPRbis, liquidation reserve: the four ways to take money out of an SRL compared, the €50,000 threshold and 2026 rates after the reform.Pension
Self-employed pension: how much should you save each month?
Statutory pension for the self-employed in Belgium: about €1,243 a month. How to work out the gap and your monthly savings effort, with 2026 figures.Social contributions
First year as a self-employed person: the real cost of social security contributions
Provisional contributions, a top-up two to three years later, first-time starter status: the real cost of starting out as self-employed in Belgium in 2026.Protection
Self-employed and unable to work: what you actually receive
A sick self-employed person's NIHDI flat rate does not depend on income: about €2,149 a month with dependants. 2026 amounts, deadlines, solutions.
Your situation, in figures in 30 seconds
PLCI/VAPZ and IPC ceilings, tax savings, NISSE contributions: the simulators use the 2026 rates and official sources.