EIP: the guide for SRL directors

What's inside

For company directors (SRL/BV, SA/NV), the EIP is often the most powerful pension pillar. This guide explains the 80% rule, how the target capital is calculated, the trade-offs against the PLCI and the tax pitfalls to anticipate before 65.

Who is this guide for?

The guide is designed for the following profiles. If you recognise yourself in at least one of them, reading it will save you hours of searching through scattered sources.

• Directors of an SRL/SA paid a regular remuneration
• Self-employed people considering moving to a company
• Director couples (two coordinated EIPs)

Detailed PDF contents

These are the chapters covered. Each chapter starts with a direct answer to the main question, followed by the reasoning and the legal references.

1. Who can take out an EIP?
2. The 80% rule explained step by step
3. Calculating the target capital and the deductible annual premium
4. Combining the EIP, PLCI and CPTI
5. Tax at 65: final taxation and the INAMI/AMI contribution
6. Classic mistakes (back-service, director with a side activity)

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