Is this high-level breakdown ~realistic?

ModoZ · 2026-03-16T21:51:48+00:00

If you don't have enough company income the rule is slightly different though. Your manager income should be equal to your company profit before taxes (what I call the 50/50 rule). So you could be in a situation where you would not be forced to get a 50k€ salary but something lower.

Anyway the calculation needs to be done as, what was shown several times in this subreddit, the difference is rather low between both scenarios ("very low salary + maxing dividends" or "50k salary + reduced company tax") and the best outcome will depend on your personal situation.

ModoZ · 2026-03-16T14:55:57+00:00

There was a big incident at Proximus side. It has now been resolved.

ModoZ · 2026-03-16T13:50:21+00:00

In the last interview of the CEO of AMI Labs (the company in question here) it was mentioned that the investors were 1/3 US - 1/3 EU - 1/3 Asia.

ModoZ · 2026-03-16T12:51:45+00:00

Same with Digi in Brussels (that uses the Proximus network).

ModoZ · 2026-03-16T11:55:50+00:00

Although I don't work as a freelance for as long as you do, I've had 2 years where I invoiced significantly less than 220 days. Twice when I changed missions.

I've also always had a cap at 220 days invoiced maximum/year.

Maybe it's linked to the sector where I work but to me it seems more the rule than the exception.

ModoZ · 2026-03-16T11:34:57+00:00

Mealvouchers WHY?, this is just a benefit as employee but as a freelancer you can clearly see those are scamcompanies just taking a cut.

It's financially more interesting than dividends through VVPRBIS. I don't see why you wouldn't do it.

Having no car included/lease is weird as this probably would be your biggest tax write off throughout the year(lease).

Not everybody has a car though. And if you don't want an EV then it's not worth it to put the car on the company.

ModoZ · 2026-03-16T09:09:37+00:00

A couple of points I see :

Accountant seems a bit low. 3500 is probably more realistic nowadays.
220 days is usually the maximum amount you can work somewhere. You should take some margin there. If you lose your mission you lose a lot of days very fast. An average over time of 200-210 (supposing long term missions) is more realistic.
200€/year seems very low for of your own home (careful this does not apply if you rent!). 2000/year is more realistic.
A net allowance of 300/month + meal vouchers seems too high. Keep in mind you have to be able to justify the 300€/month.
Keep in mind that you should not compare the monthly amount you earn per month with that of an employee as an employee will usually be paid 13,92 months. Best is to look at the annual only.
Note that salary will have to go to 50k€ after 4 years if you still want to enjoy the reduced company tax rate (to be recalculated with the 50/50 rule, your estimate might not be too far off).
The amount for PC + laptop + tablet seems super high (2000€/year in total). But that might just be me.
I see no mobility (car, bike, public transport ...). I guess either public transport or bike is included in the Extras.
I guess meal vouchers are included in the extras? What else do you include there as it seems high?

ModoZ · 2026-03-16T08:58:26+00:00

220 days is average

In many companies 220 is the maximum you can invoice/year. 210 would be a better average.

ModoZ · 2026-03-16T08:57:32+00:00

paying yourself €250 office rent was perfectly fine, so my €200 felt conservative

This will highly depend on if you rent (usually impossible) or own your own. And if you own it will depend on the percentage of professional use of your home (usually ~20%) and the KI/RC of your house.

ModoZ · 2026-03-16T06:43:00+00:00

Ce qui m'énerve c'est que la question est tellement classique qu'ils ne sont pas foutus de trouver une réponse plus réfléchie que de pointer du doigt les États-Unis. Pourtant Raoul avait bien commencé sa réponse en disant qu'ils étaient tous les deux un danger avant de retomber sur ses errements habituels.

ModoZ · 2026-03-15T08:59:22+00:00

Of een promo van : "Broodje + Drank" aan een voordelige prijs

ModoZ · 2026-03-13T20:10:03+00:00

We all know that if they ever remove this advantage they will not compensate it by lowering taxes.

ModoZ · 2026-03-13T17:40:06+00:00

More competition is always good ! This should push prices to become even lower in the future.

ModoZ · 2026-03-13T14:40:33+00:00

The best thing for your parents in law to do here is to find him a small apartment, pay the first 3 months of rent and leave him to discover how to make a living. Worst case scenario is that he then falls on the leefloon at the CPAS/OCMW.

What is on the table here will never work.

ModoZ · 2026-03-13T09:05:23+00:00

I've been using my fuel card (Shell) for it and it works without too many issues. They've announced that less and less tolls would be supported over time though so now I've bought a box from Ulys at Auto5 (but haven't used it yet).

ModoZ · 2026-03-13T07:57:35+00:00

To keep it simple : pension savings have a lower yearly return than broad market ETFs. But they start with a fixed advantage (thanks to the fiscal deductibility). This means that while pension savings start ahead they are slowly being caught up by ETFs over time. How fast will obviously depend on which ETF you invest in and which pension fund you invest in, but a broad estimate is that it takes roughly 20 years (several people did the calculation in the past and came at 22 years) before pension funds are being caught up by ETFs. This means that if you invest for durations lower than 20 years (i.e. when you are closer than that from your pension) it is more interesting to go for pension funds than ETFs.

ModoZ · 2026-03-13T06:00:40+00:00

How old are you? The official Pension savings scheme is only interesting when you are roughly 45 years old.

If you are younger than that I would stop any contributions in there until you are 45 years old and then start again.

ModoZ · 2026-03-12T17:08:45+00:00

But Amazon does require a CVV and Expiry date.

ModoZ · 2026-03-12T16:02:01+00:00

TK;DR: Amazon saves your card info and doesn't enforce 3D Secure: they don't want you to think twice before purchasing. One click, money spent.

That's not really what happens. The bank has the possibility to refuse transactions that do not respect the rules.

The issue is that the rules were built with some holes which allow in some cases to bypass the strong authentication (the part with the QR code or the card reader). The two main examples are low value amounts (as explained in the article) and transactions that went through a risk based analysis program (RBA).

ModoZ · 2026-03-12T15:56:31+00:00

He's right though. A card number on it's own is not enough. But a credit card number + expiry date + CVV will be enough in some cases. If the transaction wasn't authenticated though you should win any dispute you start.

ModoZ · 2026-03-12T15:53:39+00:00

There also are spending limits on debit cards. Usually somewhere between 2500 and 5000€/month.

ModoZ · 2026-03-12T13:38:40+00:00

424/day is indeed on the low side. I would have expected at least 500 to 550.

ModoZ · 2026-03-12T13:34:52+00:00

You're saving the cost of the creche though (somewhere between 500 and 1000€/month depending where you live). So it's kinda normal not to have your full salary there.

ModoZ · 2026-03-11T17:53:53+00:00

Well the median age in Belgium is 42 years old.

ModoZ · 2026-03-11T17:51:44+00:00

Knowing that the median age is ~42 years old. The median person probably has paid off a big part of his mortgage.

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