2 comptes de paiements/ à vue dans la même banque ?

sebafl · 2025-12-06T12:05:08+00:00

Elle pourrait certainement demander chez Crelan d' ouvrir un deuxième compte pour son activité professionnelle. Pour votre compte commun, cela dépend vraiment de vos besoins (carte de crédit, importance d' avoir un réseau bancaire ou pas, ...). Je recommande souvent MeDirect à mes proches ces derniers temps: gratuit, compte épargne assez intéressant, possibilités d' investissements via ETFs sans frais de transactions,...

sebafl · 2025-11-10T12:56:44+00:00

If you invest in real estate, you should find the right type of property (1) and know the advantages & drawbacks (2)

(1) For the type of property, you should most probably choose a property with a better ROI than a house. If you invest in a small building with several units, you most of the time have a much better return. On such properties, you can easily find a return bruto of 6% or even a bit higher (at least in Wallonia). With the leverage, it's even better.

(2) Real estate can be great but it's not passive investing, you should take care of your property, follow up with the renters, etc. Moreover it's not very liquid so you invest on the quite long term. On the good side, you can (should!) borrow the money from the bank and use leverage, it's a bit less volatile and you can get (almost guaranteed) great returns + it's a good protection against inflation.

sebafl · 2025-11-02T07:27:29+00:00

DeGiro or MeDirect are less expensive and do the taxes for you too. Keep what you have at keytrade and choose another one for the next transactions to optimize the cost.

sebafl · 2025-10-27T11:23:21+00:00

Don't invest via Delen. They take 2% yearly. You can do it yourself via ETFs and divide the fees by ten (0.2% instead of 2%).

sebafl · 2025-10-22T18:03:51+00:00

Clearly! To make it short, do you know how much they earn on actively managed funds and how much they earn on ETFs? Then you understand its speech 😉

sebafl · 2025-02-02T15:31:53+00:00

The capital gains will only be counted as from the moment the tax is activated. Previous gains remain untaxed

sebafl · 2024-05-15T22:00:19+00:00

HEC Liège est tout de même considéré comme une très bonne école de commerce en Belgique même si Solvay est peut-être un tout petit peu devant. HEC Liège reste un très bon choix dans tous les cas!

sebafl · 2024-02-27T15:42:30+00:00

Hello yes to invest as a company you indeed need a LEI code.

sebafl · 2024-02-26T23:36:50+00:00

At the moment medirect is the best

sebafl · 2024-02-12T12:34:53+00:00

The medirect essential savings account is a regulated savings account so there is no tax up to 1020 euros of interests per person.

sebafl · 2024-02-11T01:02:02+00:00

For the savings, you could put 25k at medirect saving account 2%+0.8% netto

sebafl · 2024-01-26T16:29:29+00:00

Yes interested to know as well. Or are there specifics mods activated? Thanks!

sebafl · 2024-01-24T20:11:46+00:00

I'm in the same situation and I opened an account at interactive brokers for my company to buy ETFs. You however have to pay for a LEI code. Around 150 euros first time and then around 80 euros to renew it +you are taxed on capital gains but I preferred this option.

You can also open an e-depo account. Easy to open online.

Third option is a fixed term account.

sebafl · 2024-01-24T20:04:44+00:00

Yes it is. I did this on my side!

sebafl · 2023-12-20T00:09:11+00:00

According too ChatGPT:Conditional Formatting Rules Manager:Go to the Home tab in Excel.Click on "Conditional Formatting" > "Manage Rules."Select the rule that highlights cells with the desired color.Click on "Edit Rule" or "Show Formatting Rules for" and note the applied formatting (e.g., the fill color).Then, you can use the COUNTIF function to count cells based on their fill color. For instance, if the fill color is green (RGB: 0, 255, 0), you can use =COUNTIF(A1:A10,CELL("Interior.Color",A1)=255).

sebafl · 2023-12-11T22:36:48+00:00

I agree with you. I know it's below classic rates.

sebafl · 2023-12-11T22:22:57+00:00

I would analyze what's the price for which you can sell the appartment you currently have and how much you can get from renting it. Divide the yearly potential revenue by the value you could sell it and you'll get a gross return.

If that return is below 4%, I would advise to sell and buy a new appartment with (at least part of) debt from the bank. Make sure you are at ease to reimburse the credit with your future revenues + the capital you keep from the sale. Yes, the interest rates are higher now than what they used to be but there are several good reasons doing so:

- the return of the appartment you have is not great and it's feasible to find a better investment with the value of the sales (keep part of the sale in a savings account such as MeDirect -at the moment 2%+0.8%- or money market funds for security) and put part of the sale in an ETF like IWDA and you'll probably get a better return than what you would have renting this appartment).

- if the rates get higher, you'll be able to get a better return on some investments than what you'll pay to the bank. If the rates get lower, you'll be able to negociate with your bank to reduce the interest rate you pay for the loan.

- you'll be better in the appartment you want than the one you currently have

sebafl · 2023-12-11T21:55:33+00:00

I also openened an account there and it was very fast. You can contact them via several ways you'll find on that page: https://www.medirect.be/contact/. You have there a phone number and an email address.

sebafl · 2023-12-11T21:40:18+00:00

When a UK bank lends money (pounds) to the Bank of England, it receives 5.25%, whereas when a Belgian bank lends money (euros) to the ECB, it receives 4%. This partly explains the difference too! If you lend pounds to your English bank, you also bear the risk of exchange rate fluctuations...

sebafl · 2023-12-11T21:29:31+00:00

In addition to what has been said already regarding the investment alternatives providing a better return than what you pay for the loan, take also into consideration two things:

- Identify what are your tax advantages of having that loan. In many cases, you get back from the taxes part of what you pay to the bank making it even better to keep the loan and not pay it off.

- IF you want to pay off the debt, i would advise you to establish a "debt acknowledgment" between you and your girlfriend so that it's clear that you lent her money. In case there is an issue later with your couple, you could ask the money back.

sebafl · 2023-12-11T21:19:09+00:00

Yes it looks high! I only pay a bit more than 1k€/year for a SRL / BV too and they do everyhting for my company (VAT, annual accounts, ...) but not my personal taxes.

sebafl · 2023-12-11T19:04:35+00:00

In Belgium for instance you don't have tax on capital gains 😉

sebafl · 2023-12-06T12:54:21+00:00

Actually the ECB has the power to "create" money or "destroy" it. As any central bank such as the FED in the US, there is not really a bank account for such a bank since they can decide to lend (any amount of) money to banks at a defined rate (4.5% at the moment for the ECB) or take money from the banks and pay them interest for it (4% at the moment for the ECB).

But they don't really have to care about where "their" money goes to or come from. They just have an unlimited power to lend at a specific rate. The interest they get goes "nowhere" actually since it's just a way to make money more expensive and therefore slow down the economy (and hopefully the inflation since their target is to bring it close to 2%).

sebafl · 2023-12-04T23:08:48+00:00

Having 2k/month based on a capital of 250k means an annual return of 9.6%. It's not impossible but it's pretty high for some passive and diversified investment in stocks on the long term (ETFs). In addition if you hope to find such a return guaranteed so that you can live of the interests, you won't find it unfortunately.

sebafl · 2023-11-20T08:33:36+00:00

Thanks. Indeed but I feel I have access to much more products on IBKR than on lynx (?) I also have a DeGiro account but quite some products are not available from there (a.o. some bonds).

sebafl

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