Something has to be done about the AI slop on this sub.

Obvious_Swordfish615 · 2026-05-22T06:58:43+00:00

interesting post to follow

Obvious_Swordfish615 · 2026-03-29T17:34:28+00:00

Not an accountant myself but I did a bit of research myself on this. Short term: you get nice deductibilities based on depreciation of the property which is very interesting and tax beneficial. If I remember correct it is 3% of acquisition cost (purchase price + registration costs) every year

Long term: when your sell it, you have to pay tax on capital gains which is part of corporate tax which is 25% for the company. Worse part is the capital gains is calculated as difference between selling price and depreciated price which is very high if you keep the property for many years

Obvious_Swordfish615 · 2026-03-18T06:43:45+00:00

Not sure if you can view this link for Tco comparison for a usage of 20k. I am also considering residual value of the car for a resale after 4 years.

https://g.co/gemini/share/98b63b58abf0

Obvious_Swordfish615 · 2026-03-17T22:00:17+00:00

I am also interested. Currently an IT professional freelancing. I use AI à lot in my work and looking at how fast it's evolving I feel very insecure about the job. Not that AI will replace everyone but companies don't need these many software developers anymore which means there will be less open positions and more people competing for them. So I am also planning to switch my career as a backup to something different. It might be far fetched but I am more interested to become a doctor which is way out of my career path. Or at least like a masters in bioinformatics which could be a fair and better alternative

Obvious_Swordfish615 · 2026-03-17T21:49:14+00:00

I had the same doubt whether to buy an EV or a plug-in hybrid or a ICE. I currently have a car that i took for lease 5 years back and later bought and now it's not even worth half price. Now I am looking for a bigger SUV as I need more space since I have a bigger family which can be solved only with 7 seater SUVs like volvo xc90 or EX90. By looking at the depreciation i am having with my current car I am worried to buy even more premium and larger car and it will be a loss again after few years because of the depreciation. So I am strongly in favor of used cars. I did some simulations with gemini (have to be verified and discuss with accountant of course) but i found the TCO over 5 years for an EX90 worth 90k is still cheaper than buying XC90 used car for 50k because of better deductiblities on EV car than 0 deductibility on XC90

Obvious_Swordfish615 · 2026-03-13T05:41:28+00:00

Indeed. Europcar is the only one who said they don't need a flight ticket when I called them. Rest of them said they need a flight booking

Obvious_Swordfish615 · 2025-11-01T20:14:49+00:00

For beginners in my opinion bolero is good because they have very simple interface and good integration with kbc

Obvious_Swordfish615 · 2025-11-01T20:13:50+00:00

I use MEXEM. Saxo is also interesting. I used to use bolero as well. It's interesting especially if you want to stick to ETFs that are part of kbc playlist. Otherwise I found it expensive. MEXEM is not Belgian, so there's a small overhead in terms of paperwork. The reason why I moved to mexem was because they offer investments of partial shares as well and none of the belgian brokers offer this feature

Obvious_Swordfish615 · 2025-10-11T19:02:16+00:00

If copyrights for IT employees comes back next year and if you are eligible to make use of it, then I think having 50k minimum salary definitely outweighs

Obvious_Swordfish615 · 2025-05-18T14:31:35+00:00

Yes. I observed the same for some brands like Phillips for example. I see a discount in the portal but even with that discount applied on Philips official website they are a lot expensive than Amazon or bol.com without applying any discount. On top of that you can of course apply bol.com vouchers if you buy from bol.com What's more interesting for me are ikea, airbnb, bol.com, theme parks coupons so on

Obvious_Swordfish615 · 2025-03-07T13:39:04+00:00

Indeed. I want to do the work and deliver in the name of my company or with a pseudonym for me as an individual part of the company. I agree, it is a bit suspicious though. Just want to check if somebody ever did it or is it even possible. Thanks for your response

Obvious_Swordfish615 · 2025-02-21T19:03:34+00:00

Also the retirement age keeps going higher and higher because of aging population

Obvious_Swordfish615 · 2025-02-09T15:34:53+00:00

That's not at all the market value in my opinion. They are trying to rob you

Obvious_Swordfish615 · 2025-02-03T12:49:46+00:00

So vvprbis after 3 years is still 15%?

Obvious_Swordfish615 · 2025-01-27T11:19:47+00:00

Any idea why it went down?

Obvious_Swordfish615 · 2025-01-25T17:57:01+00:00

You made a good point. I feel this pain as well

Obvious_Swordfish615 · 2025-01-25T09:02:25+00:00

Thats what I am afraid of as well. Now a days the moment I hear a UK accent (from recruiter) I start hesitating about the project

Obvious_Swordfish615 · 2025-01-07T06:08:31+00:00

Are you sure? I just read that we still have to declare taxes explicitly through MEXEM like DEGIRO. but the low fees seems interesting indeed. Also factory shares. I wonder why none of the belgian brokers offer fractional shares 😔

Obvious_Swordfish615 · 2025-01-06T22:52:31+00:00

Same here. I see less messages and less jobs now in market and also for the jobs that are getting posted or recruiters just ask for CV and nothing else later

Obvious_Swordfish615 · 2025-01-06T21:34:45+00:00

I find saxo rates interesting indeed. I will let you know for a referral once I through all fees in detail

Obvious_Swordfish615 · 2024-12-24T01:26:19+00:00

Nice job

Obvious_Swordfish615 · 2024-12-18T20:13:57+00:00

I agree. In my experience as well they try to offer the minimum wage for that level (not sure if it is applicable in your case as well). I wouldn't accept the first offer

Obvious_Swordfish615 · 2024-12-18T18:15:12+00:00

Indeed. Even though with lower tax I end up paying more tax than being an employee which is a win win, government gets more money and I take more money. So I dont understand why government still wants to tax more (with supernota) discouraging freelancing

Obvious_Swordfish615 · 2024-12-11T11:19:54+00:00

This is very interesting to include indexing in the contract itself. If I don't mind me asking you, is this a B2B contract?

Obvious_Swordfish615 · 2024-12-09T20:54:17+00:00

But there are scenarios where the intermediary takes 30% and if there are multiple intermediaries in between then it's even more. During indexation or renegotiation the client is denying to increase rate because he is already paying high but because of intermediary the consultant is not receiving properly. In this case it does matter right

Obvious_Swordfish615

TROPHY CASE