{"id":14218,"date":"2026-08-24T15:43:05","date_gmt":"2026-08-24T13:43:05","guid":{"rendered":"https:\/\/www.accountable.de\/help-center\/your-pension-as-a-self-employed\/"},"modified":"2026-08-24T17:06:25","modified_gmt":"2026-08-24T15:06:25","slug":"your-pension-as-a-self-employed","status":"publish","type":"help_center","link":"https:\/\/www.accountable.de\/en\/help-center\/your-pension-as-a-self-employed\/","title":{"rendered":"Your pension as a self-employed"},"content":{"rendered":"<div class=\"intercom-h2b-video\"><iframe src=\"https:\/\/www.youtube.com\/embed\/vzHRaYBXWtQ?rel=0\" frameborder=\"0\" webkitallowfullscreen mozallowfullscreen allowfullscreen allow=\"autoplay; fullscreen; picture-in-picture; encrypted-media\"><\/iframe><\/div>\n<p class=\"no-margin font-inter\">As a self-employed professional, it\u2019s essential to think ahead about your retirement. The statutory pension for the self-employed is generally lower than that of employees, making additional retirement savings a smart and often necessary strategy. One of the most advantageous ways to do this is through the Free Supplementary Pension for the Self-Employed (FSPSE).<br \/>\u200b<br \/>Your mandatory legal pension :<\/p>\n<ul>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">It&#8217;s paid through your social contributions every quarter. <\/p>\n<\/li>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">You must contribute for at least 30 years as a self-employed in order to benefit from this pension. <\/p>\n<\/li>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">The amount you will receive depends on the amount of your earnings (and therefore on how much you have contributed through social contributions).<\/p>\n<\/li>\n<\/ul>\n<div class=\"intercom-interblocks-table-container\">\n<table role=\"presentation\" style=\"border: 1px solid #c6c9c0; border-radius: 6px; border-collapse: separate; border-spacing: 0;\">\n<tbody>\n<tr>\n<td style=\"background-color: #feedaf80; padding: 8px;\">\n<p class=\"intercom-align-center no-margin font-inter\"><b>New from 2026: pension bonus and penalty<\/b><\/p>\n<p class=\"no-margin font-inter\">\n<p class=\"no-margin font-inter\">Since the 2026 pension reform (approved on 28 May 2026), a bonus and penalty have also been introduced for your state pension:<\/p>\n<ul>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">Pension bonus: are you continuing to work beyond your statutory retirement age? If so, from 1 January 2026 you will accrue a bonus, which will be paid out as soon as you retire, from 1 January 2027 at the earliest.<\/p>\n<\/li>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">Pension penalty: if you take early retirement from 1 January 2027 without meeting the required career length condition, your pension amount will be reduced.<\/p>\n<\/li>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">The percentage depends on your year of birth: 0% (born in 1960 or earlier), 2% (born between 1961 and 1965), 4% (born between 1966 and 1974), 5% (born in 1975 or later).<\/p>\n<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h2 class=\"font-degular\" id=\"h_80ef29ef0b\">What Is the FSPSE (VAPZ\/PLCI)?<\/h2>\n<p class=\"no-margin font-inter\">The VAPZ is a pension insurance plan specifically designed for self-employed individuals. By contributing annually, you build up supplementary pension capital that will be added to your legal pension. This allows you to maintain a better standard of living once you retire.<br \/>\u200b<\/p>\n<h2 class=\"font-degular\" id=\"h_d0f407a2d3\">Tax Benefits<\/h2>\n<p class=\"no-margin font-inter\">One of the key advantages of the FSPSE (VAPZ\/PLCI) is its generous tax treatment:<\/p>\n<ul>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\"><b>100% Tax-Deductible<\/b>: Your contributions are fully deductible as a business expense, which lowers your personal income tax.<\/p>\n<\/li>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\"><b>Reduced Social Security Contributions<\/b>: Since your net taxable income decreases, your social contributions are also reduced.<\/p>\n<\/li>\n<\/ul>\n<p class=\"no-margin font-inter\">Depending on your income, the total financial advantage (through tax and social contribution savings) can be as high as 64% of your contribution, making it a very cost-effective way to save for retirement.<br \/>\u200b<\/p>\n<h2 class=\"font-degular\" id=\"h_77269877a9\">Contribution Limits and Percentages<\/h2>\n<p class=\"no-margin font-inter\">For the year 2025, the following contribution thresholds apply:<\/p>\n<ul>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\"><b>Standard FSPSE<\/b>: You can contribute up to 8.17% of your net taxable professional income, capped at \u20ac4,000.44.<\/p>\n<\/li>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\"><b>Social FSPSE<\/b>: You can go up to 9.40%, with a maximum of \u20ac4,602.71.<\/p>\n<\/li>\n<\/ul>\n<p class=\"no-margin font-inter\">The social VAPZ includes additional protections like coverage in case of disability, and at least 10% of your premium must go toward solidarity guarantees.<\/p>\n<div class=\"intercom-interblocks-table-container\">\n<table role=\"presentation\" style=\"border: 1px solid #c6c9c0; border-radius: 6px; border-collapse: separate; border-spacing: 0;\">\n<tbody>\n<tr>\n<td style=\"background-color: #feedaf80; padding: 8px;\">\n<p class=\"intercom-align-center no-margin font-inter\"><b>Good to know:<\/b><\/p>\n<p class=\"intercom-align-center no-margin font-inter\">At the end of April 2026, the government announced an increase in these rates: standard VAPZ from 8.17% to 8.50% (max. approx. \u20ac4,251.39) and social VAPZ from 9.40% to 9.78% (max. approx. \u20ac4,891.60). This amendment is due to be voted on and published before the end of this year.<\/p>\n<p class=\"intercom-align-center no-margin font-inter\">\n<p class=\"intercom-align-center no-margin font-inter\">Are you already making contributions? <br \/>In that case, you should continue to use the rates above for the time being; once the amendment has been published in the Belgian Official Gazette, you can make a retroactive top-up payment to cover the difference. We will update this article as soon as the legislation is finalised.<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h2 class=\"font-degular\" id=\"h_4b42ea32cf\">Who Is Eligible?<\/h2>\n<p class=\"no-margin font-inter\">The FSPSE (VAPZ\/PLCI) is available to:<\/p>\n<ul>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">Self-employed individuals in main occupation<\/p>\n<\/li>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">Self-employed in secondary occupation who pay full social contributions (same as a main occupation)<\/p>\n<\/li>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">Assisting spouses under the &#8220;maxi statute&#8221;<\/p>\n<\/li>\n<\/ul>\n<p class=\"no-margin font-inter\">Note: Self-employed starters in secondary occupation can only participate after three years of activity. <\/p>\n<div class=\"intercom-interblocks-table-container\">\n<table role=\"presentation\" style=\"border: 1px solid #c6c9c0; border-radius: 6px; border-collapse: separate; border-spacing: 0;\">\n<tbody>\n<tr>\n<td style=\"background-color: #e3e7fa80; padding: 8px;\">\n<p class=\"intercom-align-center no-margin font-inter\"><b>Coming soon:<\/b> <\/p>\n<p class=\"intercom-align-center no-margin font-inter\">There is also a proposal on the table to open up the VAPZ to self-employed people in a secondary occupation who pay social security contributions on a professional income of at least \u20ac1,922.16 (2026 threshold), meaning they do not have to contribute as much as someone in a primary occupation. This proposal has yet to be voted on. We will update these conditions as soon as the law is finalised.<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<hr>\n<h1 class=\"font-degular\" id=\"h_55f80ef65a\">How does it actually work in the Accountable app?<\/h1>\n<p class=\"no-margin font-inter\">\n<h2 class=\"font-degular\" id=\"h_716d4dfd05\">1- For your social contributions:<\/h2>\n<ul>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">They are encoded as expenses, in the category &#8220;social contributions&#8221;.<\/p>\n<\/li>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">There is no VAT on social contributions.<\/p>\n<\/li>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">The amounts are automatically deducted from your taxable income for the calculation of your Personal Income Tax.<\/p>\n<\/li>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">2 ways to easily find these amounts<\/p>\n<ol>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">go to Taxes &gt; Income tax submission &gt; 5- income statement<\/p>\n<\/li>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">go to Export &gt; Income statement<br \/>\u200b<\/p>\n<\/li>\n<\/ol>\n<\/li>\n<\/ul>\n<div class=\"intercom-container\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/downloads.intercomcdn.com\/i\/o\/c9wnmh12\/1510206374\/8bde19fe15bc389b14ff2c350685\/Screenshot+2025-05-06+at+11_08_14.png?expires=1787637600&amp;signature=6f74bdd0c8cf65c5a32e6fffedba5d9eaf9c0430340f3615e2f0af5a6a5eb70d&amp;req=dSUmFst%2Bm4JYXfMW3nq%2BgV5K7Cbj4jmeFguFBAZr3fvVxa6xYPpu9Hoo4hg0%0AkuLtwHVrV06pK3BiHUj%2FxO0XOck%3D%0A\" width=\"2464\" height=\"1518\" style=\"height: auto;\"><\/div>\n<p class=\"no-margin font-inter\">\n<p class=\"no-margin font-inter\">\n<h2 class=\"font-degular\" id=\"h_cf2cf23949\">2- For your FSPSE :<\/h2>\n<ul>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">They are encoded as expenses, in the category &#8220;PLCI\/VAPZ&#8221;.<\/p>\n<\/li>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">There is no VAT on this expense.<\/p>\n<\/li>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">The amounts are automatically deducted from your taxable income for the calculation of your Personal Income Tax.<\/p>\n<\/li>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">2 ways to easily find these amounts:<\/p>\n<ol>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">go to Taxes &gt; Income tax submission &gt; 5- income Profits and Losses<\/p>\n<\/li>\n<li class=\"font-inter\">\n<p class=\"no-margin font-inter\">go to Data export &gt; P&amp;L<\/p>\n<\/li>\n<\/ol>\n<\/li>\n<\/ul>\n<div class=\"intercom-container\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/downloads.intercomcdn.com\/i\/o\/c9wnmh12\/1510206641\/aa28218c2c634a4ce4056aae211a\/Screenshot+2025-05-06+at+11_08_39.png?expires=1787637600&amp;signature=45486194e21eea1fa52a6b8ce46cc57805798856d4250940e626af6f224f7624&amp;req=dSUmFst%2Bm4dbWPMW3nq%2BgRk11h9dfRPSUC4fqyvPnMD3ViHcdHYSGt%2BRKM84%0AR5f3ABiyAonUxzd4sDYIUPVl7m8%3D%0A\" width=\"2460\" height=\"1524\" style=\"height: auto;\"><\/div>\n<p class=\"no-margin font-inter\">\n<div class=\"intercom-interblocks-table-container\">\n<table role=\"presentation\" style=\"border: 1px solid #c6c9c0; border-radius: 6px; border-collapse: separate; border-spacing: 0;\">\n<tbody>\n<tr>\n<td style=\"background-color: #d7efdc80; padding: 8px;\">\n<p class=\"intercom-align-center no-margin font-inter\"><b>In your income tax declaration, the FSPSE will be found in code 1632 or 1656, depending on whether you work in the commercial or liberal sector, i.e. the same code as for social security contributions.<\/b><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h3 class=\"font-degular\" id=\"h_40d2a93800\">\n<p><b>Example: FSPSE <\/b>(VAPZ\/PLCI)<b> with a profit of \u20ac25,000<\/b><\/h3>\n<p class=\"no-margin font-inter\">Suppose you are a self-employed person in a main occupation and you have a net taxable income (after deduction of expenses) of \u20ac25,000.<br \/>\u200b<\/p>\n<p class=\"no-margin font-inter\">You are allowed to contribute up to <b>8.17<\/b>% of your income (with a maximum of \u20ac4,000.44 in 2025):<br \/>\u200b<\/p>\n<p class=\"no-margin font-inter\"><b>\u20ac25,000 x 8.17% = \u20ac2,042.50<br \/>\u200b<\/b><\/p>\n<p class=\"no-margin font-inter\">This amount can be fully deducted as a professional expense, resulting in a lower taxable income and lower social security contributions.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pension Saving for the Self-Employed: Why a FSPSE (VAPZ\/PLCI) Is a Smart Move<\/p>\n","protected":false},"featured_media":0,"template":"","help_label":[368,390],"class_list":["post-14218","help_center","type-help_center","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Your pension as a self-employed | Accountable<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.accountable.de\/en\/help-center\/your-pension-as-a-self-employed\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Your pension as a self-employed | Accountable\" \/>\n<meta property=\"og:description\" content=\"Pension Saving for the Self-Employed: Why a FSPSE (VAPZ\/PLCI) Is a Smart Move\" \/>\n<meta property=\"og:url\" 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