May 2026 - Good news for the self-employed who want to save for their pension in a tax-efficient way. The De Wever government is relaxing the rules for the Voluntary Supplementary Pension for the Self-Employed, better known as the VAPZ. Benefits in the event of incapacity for work are also set to increase. ➤
Meal vouchers up to 10 euros: what does that really mean for your business?
How does a bank evaluate your loan application as an SME?
May 2026 - As an SME, do you want to invest in growth, machinery, or additional working capital? If so, you’ll likely end up applying for a bank loan.
But such an application isn’t approved just like that. Banks review your application from various angles to assess whether your company can repay the loan properly.
What criteria are used? ➤
Want to pay yourself a higher net salary? You can do so through stock options
May 2026 - As an SME manager, you probably often wonder: how can I withdraw funds from my company in a tax-efficient way? Stock options—often in the form of warrants—have long been considered an attractive alternative to traditional compensation or dividends. But new rules have been in effect since early 2026. ➤
Invest Smart: Tax Benefits Through Belgian Startups
May 2026 - Are you an SME business owner looking for ways to grow your wealth beyond traditional avenues like publicly traded stocks or mutual funds? A lesser-known but particularly interesting option is investing directly in Belgian startups. In addition to the potential return, this approach also offers an attractive tax benefit, making it particularly relevant for... ➤
Overpaid your estimated taxes? Three options for handling this
May 2026 - Estimated tax payments help your company avoid a tax increase. But what should you do if you’ve overpaid?
There are four dates on which you can make an advance payment:
April 10, July 10, October 12, and December 21, 2026.
These advance payments entitle you to tax reductions of 9%, 7.5%, 6%, and 4.5%, respectively. ➤
Indexed per diem allowances: what does this mean for your business?
May 2026 - Since March 1, 2026, the flat-rate daily allowances for domestic business trips have risen slightly once again. For your SME, this is no minor detail: this scheme remains an attractive and administratively simple way to reimburse expenses, both for employees and for directors. But if you want to take full advantage of this system… ➤
Short-term leave for First Communion: what should you, as an employer, take into account?
May 2026 - Spring is here, and so are the First Communion celebrations. But what exactly is the policy on short-term leave? How many days of leave are your employees entitled to for a First Communion ceremony? What about the First Communion or the spring celebration? And what if the ceremony falls on a Sunday? ➤
Voluntary overtime expanded: up to 360 hours per calendar year allowed
May 2026 - Since April 1, 2026, companies have been given greater flexibility to handle peaks in workload. The number of voluntary overtime hours has been structurally increased to 360 hours per calendar year per employee. This is a significant expansion compared to the previous regulation, so it is important to fully understand what… ➤
No respite for electronic invoicing, but some leniency in enforcing the law
May 2026 - The professional association of accountants KVABB and the organization for the self-employed NSZ are once again calling for a postponement of the mandatory introduction of electronic invoicing via Peppol. According to them, the government itself is not ready either. Nevertheless, the office of… ➤
How do you spot a bad client (before it’s too late)?
April 2026 - Not every client is a good one. Some partnerships start off promisingly, but end up causing frustration, extra work and arguments over money. What’s striking is that the warning signs are often there right from the start, but they’re simply not taken seriously enough. An initial meeting where expectations remain vague may seem harmless. ➤
Why so many SMEs go out of business (and what you can learn from this)
April 2026 - Belgium currently has around 1.37 million SMEs, accounting for more than 99% of all businesses. Yet there is a striking reality: in 2024, according to figures from Statbel and GraydonCreditsafe, more than 11,000 bankruptcies were declared — the highest number in years. In addition, many more companies cease… ➤
Why customers walk away without complaining (and how to prevent it)
April 2026 - When a customer complains, you know where you stand. But far more often, the opposite happens: customers disappear without saying a word. No feedback, no explanation.
Just silence. For SMEs, this is an underestimated problem.
Because without a signal, there can be no course correction. ➤
Why your SME is missing out on opportunities due to poor lead follow-up
April 2026 - Sending a quote often feels like the end of the process. In reality, it is just the start of a crucial phase. Because although there is interest, that does not mean a prospect will automatically become a customer. Many SMEs unknowingly miss out on opportunities at this stage. Not because their offer isn’t good, but because they fail to follow up. ➤
Ten years of the IOS procedure in Belgium: taking faster and more efficient action against unpaid invoices
April 2026 - Late payments remain a structural challenge for many businesses. To enable businesses to take faster and more efficient action against unpaid (and undisputed) invoices, the legislature in our country introduced the procedure for the Recovery of Undisputed Debts (IOS) in 2016. Ten years on, this… ➤
Guaranteed income and/or business interruption insurance: how can you protect yourself and your business?
Pension reform on the horizon: what does this mean for your SME?
April 2026 - On 6 March 2026, the federal government reached an agreement on a comprehensive pension reform in our country. This means the bill can now be submitted to parliament. If proceedings go according to plan, the new rules could come into force before the summer. The reform is extensive and has two clear objectives: keeping people in work… ➤
Modernisation of the VAT chain from 1 May 2026: what will change for your business?
April 2026 - The Belgian VAT authorities are currently in the process of modernising the so-called VAT chain. A new phase of this modernisation will begin on 1 May 2026. The VAT chain encompasses the entire set of rules governing the declaration, payment, audit and refund of VAT. An initial series of changes already came into effect… ➤
More SMEs than ever, but entrepreneurship is under pressure
April 2026 - Belgium now has more SMEs than ever. In 2024, there were 1.37 million small and medium-sized enterprises in operation. This record figure confirms that entrepreneurship is still alive and well in our country. However, there is also some less positive news: growth is slowing, more and more businesses are closing down, and the financial… ➤
Five commuting trends in Belgium
April 2026 - Cycling is on the rise, remote working is here to stay, and cities are leading the way. These are some of the key findings from the latest federal commuting survey for 2024–2025. For twenty years now, the FPS Mobility has been systematically tracking how employees travel to and from work. As an SME entrepreneur, how do you align your company’s mobility policy with… ➤
