Financial protection

Free supplementary pension for the self-employed

We will gladly advise and assist you in finding the best suitable options regarding the VAPZ (Vrij Aanvullend Pensioen Zelfstandigen, i.e. the free supplementary pension for the self-employed, an insurance you take out in a private capacity. A VAPZ is open both to managers directing a limited company and sole traders. The system is particularly attractive from a fiscal point of view.

Individual pension commitment

With this custom-made pension formula, the premiums are paid by the company. On reaching retirement age , the final amount is transferred directly to the employee. The premiums are tax deductible for the company. The maximum amounts authorized are higher than those of the VAPZ. According to a similar formula, you can also take out a collective group insurance for all independent managers.

Saving for your pension

Next to the VAPZ (free supplementary pension for the self-employed) and the individual and collective pension commitment, there are other saving formulas: long term saving, contribution to a pension fund and free saving. We will gladly advise and assist you in making the right choices, according to your fiscal situation and maximum saving capacity. For many independent businesses, the ideal situation is a combination of several of these formats.

Fiscal optimization of your business

Build up a nice supplemental pension in a tax friendly way, both for yourself and for your staff members, through the wide range of managers' and group insurances.

Hospitalization insurance

As a responsible and caring employer offer private health insurance to your staff. This will protect them from unexpected hospital bills and waiting times.

Guaranteed revenue

Diseases or accidents can lead to disability / inability to work. Protect yourself against loss of revenue and provide yourself with a guaranteed income with this type of insurance.