Expat Financial Affairs offers essential advice in English on managing your finances as an expat in Belgium.

Get direct access to our trusted expert partners, mingle with fellow expats over food and drinks, and join our short and informative presentations on investments, pensions, self-employment and estate planning. All of this hosted at BNP Paribas Fortis' beautiful La Chancellerie venue in central Brussels.

VENUE     1 rue de la Chancellerie

                1000 Brussels

DATE        Tuesday 10 October





Expatriates Real Estate in Belgium
Linde Verdoodt, BNP Paribas Fortis

Expat cross-border relationships in Belgium
Vincent Verleysen, BNP Paribas Fortis

How to finance your future Belgian residence?
Daniel Hoste, BNP Paribas Fortis

How to become a successful innovative startup/scale-up in Belgium?
Quentin Nerincx, BNP Paribas Fortis

Retirement Cash-Flow Modelling – How to Calculate the future value of your retirement pension and steps to take to avoid a pension shortfall
Katie-Boag Thompson, The Fry Group Belgium

Everything you always wanted to know about “pensions” but were afraid to ask!  (Including pension transfers & QROPS)
Ed-Read Cutting - Director - The Fry Group Belgium
















BNP Paribas has a presence in 80 countries with nearly 200.000 employees, including more than 150.000 in Europe. It is the number one bank in Belgium and offers a comprehensive package of financial services for private and professional clients, wealthy individuals, corporate clients, public entities and financial institutions. Rated A+ by Standard & Poor's, BNP Paribas is one of the best rated banks in the world.
The Fry Group has been helping people make the most of their money for over a century. Our well established Brussels office combines local knowledge with an international perspective.  Our team of experienced advisers provides tailor-made straightforward, sensible and honest advice on investments, retirement planning, pensions and tax planning.  
Revolutionize your approach to health and fitness with our unique and personal holistic programmes. Be challenged and motivated with others in our group exercise programmes and studio classes. With over 160 classes per week, including High Energy, Group Cycling and Dance, whatever your level of fitness or experience, there is something for everyone at Aspria Arts-Loi.
Relax, unwind and escape the stresses of everyday life at our Institut Spa. From saunas and steam rooms to a Jacuzzi and a 21m swimming pool, we offer a variety of wellness options to help bring balance to your life and eliminate stress.

The Association of Belgian Relocation Agents - or ABRA - is a non-profit organisation established in 2001 to uphold the highest standards of quality and professionalism in the Belgian relocation industry.
Our members have made it their business to excel in all matters concerning relocation.  From advising companies on their international mobility programmes to finding the perfect home for your expats and their families, ABRA members offer expert services.  We look forward to meeting you at BritCham's Expat Financial Affairs event as a successful relocation begins with professional support.


BBF is specialized in the rental of serviced and residential apartments since 1992.
With over 1600 units in top locations in Brussels and Budapest we can offer flexible mid to long term rental packages combined with professional services at affordable rates. Together with the ASAP quality label this guarantees the key to an excellent stay.

Brussels Invest & Export works on behalf of the economic development of the Brussels-Capital Region by fulfilling a two-fold mission:
  • Helping Brussels companies to expand into international markets
  • Prospecting among foreign companies and assisting them in planning their strategic relocation to the capital of Europe.
Our team consists of some 40 employees in Brussels and relies on a network of more than 90 economic and commercial attachés, posted around the world and covering nearly 150 countries.
Crowe Horwath Vanhuynegem Associates is a medium-sized firm that specialises in the fields of Accounting, Tax (Tax Advisory, Compliance & International Tax), HR (Payroll, HR services & International employee mobility) and Legal services. We are a member of Crowe Horwath International, ranked as the eighth largest global accounting network, consisting of more than 200 independent accounting and advisory services firms in close to 130 countries around the world. We are known for our local knowledge, expertise and experience balanced by an international reputation for the highest quality of service.  
Group S was founded in 1939 as a non-profit association and was the first social secretariat to be accredited. Group S has 80,000 clients and produces more than 500,000 pay slips per month. Group S has 33 offices in Belgium and is also present in France. Group S has more than 900 staff members.  
The Institut d’études européennes of the Université libre de Bruxelles has been, for over 50 years, a crossroad for European Studies at the centre of Europe’s capital. With an alumni network that brings together 8,000 experts in European affairs, we remain focused on innovative teaching, research and public debate on European integration. The IEE-ULB provides first class, bilingual learning opportunities for both professionals wishing to refine their knowledge on EU affairs and full time students. Our executive education programs in English constitute hands-on training with top practitioners and academics.  
At the crossroads of Belgium, Germany and the Netherlands, Maasmechelen Village is home to more than 100 boutiques offering leading brands at reduced prices all year round. Brands like Links of London, Guess, Escada, Karen Millen, Ted Baker and UGG® Australia are available with savings of 30 to 60% on the recommended retail price. With a free parking and less than an hour's drive from Brussels, this relaxed and sophisticated shopping haven is easily accessible.
Partena Business & Expats is the expert in health insurance matters towards expats and newcomers to Belgium.
Services offered by Partena Business & Expats, Health insurance : 
- Full support in registration to Belgian health insurance.
- General advice in Belgian social security matters.
- Specific advice in European, social security agreements.
- Trilingual (English, French, Dutch) client service center, website and brochures/documents
Please do not hesitate to ask us your Brexit related health insurance questions.
We will be happy to help you.

Santa Fe is a global mobility company specialising in managing and delivering high quality relocation services worldwide. Our core competence is our ability to provide these services to a consistent high standard, locally and globally. A key aspect of this is being able to manage through our own offices.  Our 3,150 dedicated professionals speak more than 100 languages and deliver approximately 120,000 relocations each year through our 120 owned offices in 56 countries across six continents.

St. John's educates students from 61 countries and cherishes each student as a unique individual. St. John’s has been an IB World School since 1978 and has both the Primary Years Programme (PYP) and the IB Diploma Programme (IBDP). The school also offer Advancement Placement (AP).  
D Y Patil International School is part of a global group of schools, universities and institutes, giving students a unique advantage in a world of emerging markets. It follows an internationally recognised curriculum for children aged 3 to 18, including the IB Diploma Programme. Lessons are mostly taught in English, with Dutch and French also offered. Students from a diverse mix of nationalities enjoy innovative global learning and exchange programmes. The school provides career coaching, learning support and a wealth of co-curricular activities. The school is conveniently located between Antwerp and Brussels with daily bus services from various locations. It also offers after-school care and competitive fees. The school is accredited by the Council of International Schools.



Expatriates Real Estate in Belgium 
Linde Verdoodt, BNP Paribas Fortis

This workshop will cover two sessions.

-First part: what are the tax consequences of buying or building your immovable property in Belgium? What’s the difference between a family residence or a residence for rent?

During this first session you’ll get an overview of the tax consequences but also advantages of your purchase. 

-In the second part we examine why the Belgian housing market is still reasonably performing, and whether we would head for a property crash if the real interest rates were to suddenly rise.

During this second session you’ll get an overview of the current valuation yardsticks and overall return perspectives.

Expat cross-border relationships in Belgium
Vincent Verleysen, BNP Paribas Fortis

To marry or not to marry?
This question inevitably pops up when you meet the love of your life. Many couples still prefer marriage despite the high divorce rates.
With that in mind, it is important to choose an adjusted marriage contract, as this will have a major impact on the financial arrangements between spouses, not only during the marriage but also at the end of the marriage. Every couple will have different goals, e.g. maximal protection of the surviving spouse, special arrangements for children from a previous relationship, and much more.

The purpose of this workshop is to outline the different models of cohabitation that exist in Belgium, the fiscal/civil consequences and the impact of the EU succession regulation.

How to finance your future Belgian residence?
Daniel Hoste, BNP Paribas Fortis

During this workshop, you will get information regarding credit solutions for property purchase: rules, credit types, warranties, costs, tax advantages, etc.

How to become a successful innovative startup/scale-up in Belgium?
Quentin Nerincx, BNP Paribas Fortis

The most important key elements to become a successful entrepreneur are finding an active partner, a community, a knowledge center, a facilitator and a connector. During this session we will explain how innovation hubs, empowered by BNP Paribas Fortis, can offer you all of these skills. A personal advisor will not only give you pure financial advice but help you also expand your network, find the financing resources and contacts you need to succeed.
Find out how to join our innovation hub community.

Retirement Cash-Flow Modelling – How to Calculate the future value of your retirement pension and steps to take to avoid a pension shortfall
Katie-Boag Thompson, The Fry Group Belgium

Based on our popular interactive retirement planning workshops, this presentation will work through the process of calculating the value of a retirement pension income taking into account existing accrued and anticipated future pension benefits, savings and investments. The presentation will also cover ways to maximise your future pension income to ensure a comfortable income in retirement.

Everything you always wanted to know about “pensions” but were afraid to ask!  (Including pension transfers & QROPS)
Ed-Read Cutting, The Fry Group Belgium

With pension ages increasing in Western Europe the ‘demographic time bomb’ is becoming a reality.
Whether an employer, employee or self-employed you cannot bury your head in the sand any more.
Belgium remains a friendly environment for pension saving and the landscape is not too hard to navigate.

This educational presentation will give a whistle stop tour of how pensions work in Belgium, including State, occupational, personal and overseas pensions.