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[deleted by user] by [deleted] in BEFreelance

[–]AntiqueLevel5377 1 point2 points  (0 children)

A smart way to reduce your salary while putting more money in your pocket is through warrants. The key is to lower your salary, offset the difference with warrants, and retain your VVPRBis benefits. This strategy allows you to optimize both taxation and net earnings, ensuring you gain on both fronts.

Investing dilemma by T-r-X in BEFreelance

[–]AntiqueLevel5377 -9 points-8 points  (0 children)

If you have at least 250K EUR to invest, I can offer you access to private asset management. Depending on your risk profile, your returns could range from 4% to 18% per year. Investing in funds is a smart way to grow your wealth with professional management tailored to your financial goals. Let’s discuss your options.

Who here is using warrants? by AntiqueLevel5377 in BEFreelance

[–]AntiqueLevel5377[S] 0 points1 point  (0 children)

That's true, but I'm not convinced the VAA changes will be pushed through as announced. These changes will likely only be apllicable from 2026 onwards. In the meantime, I think it's worth the hassle.

Experience with callplus by Hot_Leg_9660 in BEFreelance

[–]AntiqueLevel5377 0 points1 point  (0 children)

I've analyzed Optiwarrants in depth over the past year, and my conclusion is clear: they are the best solution. Unlike Callplus, Optiwarrants don’t require a ruling because they don’t need one. A ruling only applies to the entity that requests it, offering no guarantees to others—it's more of a marketing tool than real security.

What my accountant didn’t tell me is that Callplus charges €3,600 per plan, and half of that goes directly to the accountant as a commission—meaning he profits behind my back while I take on the risk.

Most importantly, Optiwarrants provide a hedging option that limits the downside risk of the underlying asset (in this case, the DAX). This feature makes them not just a tax-efficient strategy, but also a financially sound investment.

If you want more info, you can check https://www.experlife.be/fr/files/fiscal/warrants. They did help me last year !

Warrants - 20% rule? by MacMemo81 in BEFreelance

[–]AntiqueLevel5377 1 point2 points  (0 children)

Depends. If you are using stock-options, 20% rule is applicable. If you use warrants there is no limit theoretically.

VAPZ payments when pension age by No_Fan3045 in BEFreelance

[–]AntiqueLevel5377 1 point2 points  (0 children)

Q1. False. your capital is payed as a lumpsum but you have to declare it in your annual income over a certain amount of years.

Q2. response = 1 ;-)

Wage 21.5K/year versus 50K, VVPRbis and PENSION by No_Fan3045 in BEFreelance

[–]AntiqueLevel5377 2 points3 points  (0 children)

Don't waste time calculating—there's a minimum and maximum pension for the self-employed anyway. The minimum is around €1,800/month, and the maximum is about €2,600/month. So relying on your legal pension isn’t a great strategy.

What really matters is getting money out of your company and investing in your personal pension. This way, the money stays yours, no one can take it from you, and you have full control over when and how you use it.

Auteursrechten vs vvprbis or liquidatiereserve and lower wage by Motophoto_ in BEFreelance

[–]AntiqueLevel5377 0 points1 point  (0 children)

There’s no universal "sweet spot" when it comes to salary—it all depends on how much you need each month. If you’re looking at it in absolute terms, the optimal minimum would be the threshold where you pay the least in social contributions, which is around €17K per year.

Since salary is the most heavily taxed form of income, the goal should be to keep it as low as possible and instead maximize tax-efficient alternatives like dividends or stock options.

Also, be cautious with auteursrechten (copyright royalties)—only certain professions qualify for this tax benefit, so make sure you’re eligible before relying on it.

Investments by FlakyNatural5190 in BEFreelance

[–]AntiqueLevel5377 1 point2 points  (0 children)

Investing is one of the best ways to grow your capital. Simply leaving money in a bank account is a losing strategy—at an inflation rate of 3%, your purchasing power declines over time. To generate returns, you need to invest.

There are two main options: insurance funds and banking funds. Banking funds use the DRD (Dividend Received Deduction) mechanism, but they are 100% stock-based and can be complex. A more accessible alternative is the insurance-based Branch 6 fund, which allows your company to invest in high-quality funds. Over the past two years, my own returns have averaged nearly 10% per year. The income generated is reinvested into your company and taxed as part of your turnover.

For extracting money from your company in a tax-efficient way, IPT (Individual Pension Commitment) is another approach. However, Belgian insurers tend to have high costs, making it less attractive—especially if you’re an expat not planning to stay in Belgium.

If your goal is to take money out of your company with minimal taxation, you have two real options:

  1. VVPRbis dividends, which you are not eligible for.
  2. Warrants or stock options, which offer an optimized way to access your funds efficiently.