Belgium

How do you spot a bad client (before it’s too late)?

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)

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)

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

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

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?

Guaranteed income and/or business interruption insurance: how can you protect yourself and your business?

April 2026 - An accident or illness can suddenly leave any business owner unable to work. For SME owners, this often has twofold consequences: not only is their personal income lost, but the company’s turnover can also come under pressure. Two types of insurance offer a solution to this. ➤

Pension reform on the horizon: what does this mean for your SME?

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?

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

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

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… ➤

How do you build a strong brand identity as an SME?

How do you build a strong brand identity as an SME?

March 2026 - Many SME entrepreneurs still see branding as something for large companies. As a small or medium-sized enterprise, you have other things to worry about. Right? And that's exactly where the problem lies. Because a strong brand identity is not a luxury. It is a strategic compass that determines how customers see, remember, and trust you. And that is precisely what makes…➤

Don't forget the annual UBO register obligation!

Don't forget the annual UBO register obligation!

March 2026 - As an SME entrepreneur, you have your hands full every year with closings, tax returns, and strategic plans. In that daily stream of obligations, one formality can easily slip through the cracks: the annual confirmation of the UBO register. This is a legal obligation that you should comply with accurately. UBO stands for Ultimate Beneficial Owner, i.e. the ultimate beneficiary… ➤

Is your customer paying late? How to protect your cash flow in 2026

Is your customer paying late? How to protect your cash flow in 2026

March 2026 - Late payments remain one of the biggest frustrations for SME entrepreneurs. Now that invoicing is fully digital via networks such as Peppol, many entrepreneurs expect faster payments. In reality, things are different. And every day of delay directly affects your cash flow. An invoice for 10,000 euros that is paid 30 days late… ➤

Benefit in kind on interest-free loans to decrease in 2025: what does this mean for you?

Benefit in kind on interest-free loans to decrease in 2025: what does this mean for you?

March 2026 - Employers who grant an employee or company director an interest-free loan or a loan at a reduced interest rate thereby grant a taxable benefit in kind (VAA). The reference interest rates for 2025 have fallen. In concrete terms, this means that the taxable benefit, and therefore also the tax, will be lower than in 2024. ➤

Capital gains tax: is it better to opt in or opt out?

Capital gains tax: is it better to opt in or opt out?

March 2026 - Will you have the new capital gains tax on financial assets deducted automatically, or will you arrange everything yourself via your tax return?
For many entrepreneurs and private investors, this is not an easy decision. In 2026, there will be significant changes for those who invest in stocks, funds, or cryptocurrencies. ➤

Why you shouldn't just take EBITDA at face value as an SME entrepreneur

Why you shouldn't just take EBITDA at face value as an SME entrepreneur

March 2026 - Have you ever thought about selling your business? Sooner or later, you'll be asked: “What's your EBITDA?”. In practice, this financial indicator only tells part of the story. The financial indicator EBITDA often comes up in conversations with buyers, banks, and advisors and is often presented as the benchmark for the value of… ➤

Smart rewards: why the CLA 90 bonus remains attractive for SMEs in 2026

Smart rewards: why the CLA 90 bonus remains attractive for SMEs in 2026

March 2026 - As an SME entrepreneur, you may often ask yourself: how can I reward my employees without running up excessive wage costs for my company? One of the most common answers remains the CLA 90 bonus. The granting of bonuses to employees is gaining ground in Belgium. Recent figures from the Acerta social secretariat show… ➤

Two months of mandatory electronic invoicing: not an unqualified success

Two months of mandatory electronic invoicing: not an unqualified success

March 2026 - Since January 1, 2026, electronic invoicing between VAT-registered companies has been mandatory. Two months later, the first effects are becoming apparent. And they are not all positive. Strikingly, invoices are being paid later on average than before the introduction. A PDF invoice sent by email was settled within ten days… ➤

Subsidies for advice via the SME portfolio are being significantly reduced

Subsidies for advice via the SME portfolio are being significantly reduced

March 2026 - Since February 1, 2026, the scope of the SME portfolio has been significantly reduced. From now on, Flemish SMEs can only receive support for advice on cybersecurity. Advice on other topics will no longer be covered by the scheme. Nothing will change for training courses. The SME portfolio is an accessible support mechanism… ➤

A new tax framework from the 2026 tax year onwards

A new tax framework from the 2026 tax year onwards

March 2026 - With the entry into force of the law of December 18, 2025, published in the Belgian Official Gazette on December 30, 2025, the federal government wants to further reshape the tax landscape in our country. We summarize the most important measures below. These reforms will mainly apply from the 2026 tax year and are relevant for both individuals and companies. ➤