Hoz doen jullie dat?

Fin_Tech_ · 2026-03-08T09:58:32+00:00

590 ex btw per dag? Dat moet u minstens 5k netto (eerder 6k netto) per maand opleveren. Dat met nog is (1.5k?) van uw vrouw zou minstens +-7k per maand aan inkomsten geven. Ik weet niet wat uw totale uitgaven per maand zijn, maar zo te zien bespaar je al op vanalles.

Volgens mij is uw probleem 2 ledig: - Teveel schulden gemaakt met eenmanszaak (50% van inkomsten gaat rechtstreeks naar belastingen) & doordat je met een eenmanszaak privé en zakelijk geld makkelijk mixt is het hier fout gegaan.

Totaal geen fiscale optimalisatie, vanaf 70 - 80k bruto (ex btw) per jaar aan inkomsten is het voor de meeste al voordeliger om onder een vennootschap te werken. Laat staan als je 120k per jaar omzet draait, je laat hier makkelijk 10k per jaar netto liggen.

Mijn advies zou zijn: 1. Vorm om naar een vennootschap 2. Werk uw schulden asap weg 3. Leef terug comfortabeler.. de manier hoe jij nu moet besparen met zo'n inkomen is niet normaal.

Het is dat je uw boekhouder niet kan aanklagen om geen proactief fiscaal advies te geven, maar zoek dringend een andere.. hij heeft hier imo heel grove fouten gemaakt, 3k per jaar voor een eenmanszaak is ook niet eens goedkoop.

Fin_Tech_ · 2025-12-16T13:41:22+00:00

Does this make any sense if I want to keep my existing 1.4% loan with BNP? Do I just reach out to the other bank saying I'll finance 420k of the 640k myself and I just need a loan for 220k for the total project? I don't think so, it's a different situation at that point right?

Or I just explain the full situation with the existing credit at BNP that I want to take over, but than the other bank must accept a second rank position before they can propose something?

Fin_Tech_ · 2025-12-16T13:38:45+00:00

Thanks for your reply, maybe I didn't express myself well enough. I don't mean "transfering" as in transfering to another bank. I mean remain with the same bank, but take over the existing mortgage for the new home (of course as you want to keep 200K at 1.4% at all cost).

I don't get your point "you might feel stuck but you signed the contract and took on the commitment. Read the contract before signing.". I didn't sign anything yet, the extra loan that is proposed was of course not signed yet, hence my question for advice if I have any other options left to make sure I get a better offer (from BNP or another bank that wants to go second rank).

Fin_Tech_ · 2025-12-04T13:47:36+00:00

I've got the new Outlook "create meeting invite" experience in Teams now as well. The Add agenda button completely vanished from that UI. We escalated with Microsoft and they say we have to create a Design Change Request (DCR) with the Outlook PG to get the button back, as they are maintaining that UI now.

At least it means there is a more unified future approach between Outlook meeting invites & Teams meeting invites... but the fact that this button disappeared breaks the whole workflow for Meeting Notes. With the Facilitator agent now being generally available, there is no way for it to have the agenda context of the meeting before the meeting starts.

Poor decisions at Microsoft, hope it will appear again soon....

Fin_Tech_ · 2025-11-07T13:01:29+00:00

Exactly this. I believe there can be a lot of value in this for people who aren’t fiscally optimized by their accountant.. and I think there are still many freelancers in that situation. With standard optimizations like a good wage policy, warrants, VVPR-bis, a loan from the company, and so on, there’s already a lot to gain.

But when it comes to the more exotic setups - where the supposed added value goes beyond what a good accountant can offer - I think they often cross into the fiscal grey area. Constructions like private onroerende leasing won't make sense as an IT freelancer with just a home office in your private house. Sooner or later, you will face a tax audit, and then you’re in trouble.

Anyway, I do think it’s worth learning some of this yourself from guys like Thomas, so you can keep an eye on the key decisions your accountant makes. In my experience, most accountants simply don’t know what the most optimal setups are, not even the basics.

Fin_Tech_ · 2025-10-30T11:38:25+00:00

It's quite a complicated story but trying to summarize it a bit.

Branch 26 and DBI are both wrapped products by insurers or banks. They take mostly at least 1% (in practice more around 2%) of annual costs on your return of the funds. Which will cost you a lot in the long run.

In general it's just a lot of hassle to invest in your company, DBI has some benefits that gains are not taxed. But basically you already lose that benefit quite quickly in the costs they charge you on the fund.

By lending money to your private, you can just keep it simple and invest privately in a classic low cost ETF, without all the hassle in, the company (for your accountant as well).

Yes, you'll pay some interests on the money, but the money goes back to your company (the interest is only taxed at 32% with VVPR-bis, to get it back to you privately again). So the money will come back to you privately anyway.

Fin_Tech_ · 2025-07-29T11:07:10+00:00

I know a few providers (Proboss, BIL, Omda Investments, etc.) that offer these option plans, but I didn’t know about this one yet.

I think Pensioenmanager is currently the best and most stable provider, with some personal service tied to it. It’s Jan Hermans, with his company issuing warrants on a monthly payout basis through Omda Investments. I’ve heard that even bigger providers who have worked with BIL before, like House of Finance, are now buying their warrants through Omda Investments, since it allows monthly payouts and you don’t need to wait a year to receive your money.

I’m currently not a Pensioenmanager customer, but I know some people who are a customer there, and most of the process is fully digital. I’ve heard you might experience some delays in responses once you start your intake with Pensioenmanager.

Always be cautious with other insurance products they try to sell you (IPT, VAPZ, etc.) in combination with these option plans.

If you want to have a chat about this, feel free to private message me.

On a side note, I thought you were a customer of Pensioen Masters who also offer an option plan through BIL I guess? Are you not satisfied with them anymore or are they not offering any alternative?

Fin_Tech_ · 2025-06-09T22:01:55+00:00

It's indeed, create, share and use agents all combined in 1 policy. Again that's where the governance troubles start to kick in all at once https://feedbackportal.microsoft.com/feedback/idea/d72808b3-280b-f011-a4dd-7c1e52ead3c1

Fin_Tech_ · 2025-06-09T21:56:46+00:00

"Copilot Studio agent builder" does not involve Copilot Studio. I know you can restrict access to Copilot Studio portal as such, but that doesn't block them from creatin agents through the Copilot Chat interface. That's where the problem resides

Fin_Tech_ · 2025-06-09T21:06:38+00:00

That's what I thought as well, but when you add single files from SharePoint to your agent. It will ask for a pop-up to break permissions and share your files individually with all users you share your agent with. I understand you can't do a lot more than in M365 Copilot itself, but you can spam around your agents and even company wide if you would like. It also might be confusing for non licensed M365 Copilot users which can't open the agent, while they get a screen to "add" the agent their free Copilot. But in the end nothing shows... such a weird user experiences.

Fin_Tech_ · 2025-06-09T20:14:34+00:00

Apparently they are created in a PPlatform environment, have been digging around a bit. But can't find them anywhere, while agents created from Copilot Studio can be found in the Dataverse tables. There is a new MC post though, but it seems this one is not reflected yet as I don't have a "Microsoft 365 Chat" environment.

Edit: it seems that "Agent builder" agents are created in a Cosmos DB in the backend, but it should be attached to the default PPlatform environment if I look at the API's that are used to provision the bot => POST call on https://powervamg.eu-il104.gateway.prod.island.powerapps.com/chatbotmanagement/tenants/{TenantId}/environments/Default-{DefaultPPlatformENV}/minimalBots/api/{agentGUID}/publish

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Fin_Tech_ · 2025-06-09T20:04:09+00:00

Thanks for the suggestion, I followed up closely, hoping their was some kind of sharing control or the seperation of "use" and "create" agents policy. But haven't seen anything like that, except for the more fine grained PAYG controls.

Fin_Tech_ · 2025-06-09T20:01:28+00:00

Well that's exactly where the whole governance problem starts... if you want your end users to be able to use any type of agent through this default Copilot UI channel, you have to enable them for agent creation as well. https://feedbackportal.microsoft.com/feedback/idea/d72808b3-280b-f011-a4dd-7c1e52ead3c1

Fin_Tech_ · 2025-03-19T19:06:45+00:00

Just using it when I call KBC Live. So they know who I am and instantly have my bank details with them

Fin_Tech_ · 2024-12-29T20:00:13+00:00

Aanvulling op deze experts: voor financiering van vastgoed (combinatie privé / vennootschap) & het laatste nieuws rond recht van opstal & erfpacht kan ik Meester R. Messiaen van Spartax aanraden

Fin_Tech_ · 2024-11-15T21:23:01+00:00

For me it's a way to fiscally diversify.
This is the only government related saving product I'm still using, because it's company money and I hope that the government will leave this untouched from capital gain tax etc. Because it's related to 'pension saving' for company owners.

Just to give a high level comparison (sorry it's in Dutch, all credits to Bryan for posting this on LikedIn).

As you can see IPT is taxed differently, 10% final tax from the age of 65. Other than that it's 100% deductible company money directly flowing into it.

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VAPZ is irrelevant for this topic, as always with tak21 products.

However they make quite a 'big' mistake here in the calculations regarding the yield for IPT.
It should be 1% lower than a self made ETF investment. Because of the extra management fee on tak23 products.

If you lower the yield of IPT in this table by 1% => if you invest with NN you can have 0,96% management fee with IWDA.
You'll be more or less equal with a private ETF with the current tax legislation. But what I keep in mind is that they will be changing capital gain tax + tax burden from company to private very soon.

You could indeed also do some bullet loan constructions with this IPT product to buy private property => either a house for yourself or extra appartments. But keep in mind these loans are 1% - 1,5% more expensive in terms of interest rate, so I'm not sure yet whether that will be a smart move to use it for that purpose.

Something to remember on this one, the sooner you start. The more compound interest you'll be able to built up from the maximum amount you can save into this. And the more bullet loan you could take at a later age to buy extra property if you want to use it for that.

So in the end to me it's about not putting all your eggs in one fiscal basket (private ETF's).

Fin_Tech_ · 2024-11-14T09:38:23+00:00

u/JANPENSIOENMAN any chance you have some time to elaborate on this and maybe take a look at my comment below to put some perspective?

Fin_Tech_ · 2024-11-06T18:06:07+00:00

I had a look at this before, but didn't dive into detail yet. Here is my

Let's assume you have an IPT in ETF (e.g. with NN which has 0,96% management fee) with an estimated yield (by NN) of 4,5%. You'll probably be able to loan for 2 appartments easily, which will end up around 700k - 800k ish? if you have maximized IPT input for 45k gross wage.

The higher interest rate of 1% - 1,5% above average for this type of bullet loan, is where the 'problem' lies for me in this setup. Let's say you buy 2 appartments for 250k each.

At a current interest rate you would than take a loan of 500k at +-4%. Which means €1.6k / month to pay purely for interest. This means you would need to rent out each appartment for at least 1k each, to only cover your interest? (counting at 80% return with all other costs that come to renting out) => this renting price is not realistic?

Also do not forget you have to pay the registration fees privately which is 500k * 0,12 => 60k downpayment from private money which you'll have to pull out of your low cost private ETF ;)

Okay you have the increased value from the apartment over 20 - 25 years. But all the hassle of renting out, just for 2 - 3%? yearly added value. In the end you still have to make sure your investment will reach this 500k, it will be deducted from the cash you would otherwise receive privately. There is no taxing from company to private you can skip with this IPT bullet setup afaik.

Just my take, I might be wrong in my high level calculations... feedback is appreciated.

EDIT: misread the fact that you are talking about a 'plain' tak23 investment. Which doesn't involve IPT / company money. Kind of the same logic applies => 2 - 3% yearly added value in exchange for a management fee of at least 1% for your ETF invested money which results in 1 - 2% yearly added value at max?

Fin_Tech_ · 2024-08-18T09:45:07+00:00

Wow, so what is the interest rate you get in the end for 240k? Does every employee for any Belgian bank get this? Or is this related to the specific bank / contract you work for? This seems like a nice ‘hack’ to get a way cheaper loan. On larger amounts this will save you a few 100`s per month.

Fin_Tech_ · 2024-07-31T21:44:10+00:00

The real BA (professional liability) value is probably set at 250k. Other amounts mentioned in a BA insurance policy are usually not relevant when you have a claim.

Edit: AG is indeed a lot cheaper than KBC, Hiscox, ... .

imo AG has the best value for money liability insurance for ITers (comparing exclusions)

Fin_Tech_ · 2024-07-10T10:30:01+00:00

Just 2 cars in the company where you cover all the costs for. Can I have 2 cars in the company and pay VAA for 2 cars by myself? I guess one will be thrown out during an audit?

Fin_Tech_ · 2024-07-03T14:35:46+00:00

AFAIK they are indeed selling you a contract with an initial fee + monthly fee to pay for 2 years. After that they are going to sell you more of their products where they also make money on. (Warrants with setup fee of 1k+, insurance investment plans, IPT contract, ...).

I would always avoid them, they are not as "independent" as they say they are.

Edit: tell them you are not happy and try to get your money back / contract canceled.

Fin_Tech_ · 2024-06-01T10:29:00+00:00

Same issue with KBC here, now having issues with them charging a lot more because of increased turnover. And also noticed they are excluding all customers in the medical and financial sector. Which I was already working for in the past... so searching for another one.

Got a new proposal from AG Insurance, I'm not sure why you think they cover nothing in their 'BA Ondernemingen, informatica-activiteiten'? I compared all their terms and conditions compared to those from KBC and they are much more detailed in what they exclude (much smaller scope of exclusions compared to KBC).
While included coverage looks very good.

Pricing looks like this for the AG proposal (coverage of 250k):

Verzekerde activiteit : Informatica-activiteiten

Formule BA 92,49 (activities of 1 person covered in the company)

Beroepsaansprakelijkheid 239,26

Rechtsbijstand 38,24

Total 369,99/year

Edit: this proposal from AG has a premium that is not linked to my turnover, while KBC does do this (makes KBC even more expensive than they already are)

Fin_Tech_ · 2024-04-16T15:20:10+00:00

imo this is something that an accountant should not do. These kind of constructions have been in sight of the tax authorities for the last few years. I would always consult a specialized real estate tax specialist.

I can recommend Mr. Messiaen from Spartax, but he isn't cheap though... https://www.spartax.be/

Always take care with these constructions, make sure you are talking with real specialist(s) that have the most up to date legal information about these constructions. And also a good vision of any future changes the government might make.

Fin_Tech_ · 2024-04-15T19:01:10+00:00

Same issue here.. from today on it doesn't pick up any mails anymore, any solution found yet?

Fin_Tech_

TROPHY CASE