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Promotional communication

End the financial year on a high note

The end of the year is almost upon us. And just like last year, 2023 brought many challenges for you and your employees. You had to adapt, seize opportunities and adjust your strategy. To end the year on a high note, we advise you to efficiently plan a few end-of-year tasks in advance. Think about advance payments of your taxes and the end-of-year bonus for your employees. BNP Paribas Fortis offers you customised financial solutions for these, so that you don't have to use your reserves.

Talk to us

 

 

End-of-year checklist for your business

3 priorities, a tailor-made offer

Discover the advantages of the Fiscal & Social Instalment Loan, the Bonifisc credit, the tax shelter and warrants. You may also combine these solutions.

 Fiscal and Social Instalment Loan*Bonifisc*
Purpose

Arrow_Down_EN_CB_Green People_Manager_EN_BNPPF_Green Currency_Euro_EN_BNPPF_Green

To finance:
  • end-of-year bonuses
  • tax prepayments

Arrow_Down_EN_CB_Green Currency_Euro_EN_BNPPF_Green

To finance:
  • tax prepayments
Term6 to 12 months8 to 12 months
Amountthe amount you need; min. EUR 2,500; no max.amount required to make the prepayments; min. EUR 1,500; no max.
Useloan amount transferred to your accountwe take care of the prepayments
Arrangement feeEUR 150EUR 150
Advantageannual renewal at no costautomatically renewable loan

 

Interested? Submit your application via Easy Banking Business now

  • It’s fast and easy to do
  • Benefit from instant processing
  • Avoid a 150 euro handling fee
Apply online

* Lender: BNP Paribas Fortis SA/NV, Montagne du Parc/Warandeberg 3, B-1000 Brussels – Brussels Register of Companies – VAT BE 0403.199.702. Subject to approval of your application. The information provided to you is for information purposes only and is neither an offer of credit nor a promissory note. It is provided to you as a basis for further discussion. The Bank may change the information contained on its website without any prior notice and is under no obligation to inform (potential) customers about any such change.

Want to know more?

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A special menu for 2023

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Tax Shelter: another way to reduce your tax base

Perhaps you will watch a good movie over the holidays and notice that the production was financed by the Belgian Tax Shelter as you read the credits?

  • Did you know that you can combine advance payments and a ‘cultural’ Tax Shelter in a way that benefits you? Thanks to the Tax Shelter, your global gain – in the form of a tax reduction – is higher than the sum invested.
  • This interesting product was specifically created for companies subject to the ordinary corporate income tax rate. At the reduced rate, the product may no longer be attractive. As a tax product, it implies specific constraints and risks.

Does this sound interesting? Talk to your accountant or a financial or tax adviser and take the time to read the prospectus , and in particular all the risks associated with the product (see p. 9 and the following + p. 20 and the following in the prospectus) before making a decision to subscribe. The FSMA's approval of this prospectus should not be considered as an endorsement of the product.

“Since its inception in 2007, BNP Paribas Fortis Film Finance has invested more than EUR 370 million in over 600 productions, with the help of more than 1,900 Belgian companies"
Vincent Vandevoorde, Tax Shelter specialist at BNP Paribas Fortis

One bonus is not the same as another

A bonus is always good news for your employees, but its social treatment differs from system to system. Some bonuses are taxed more than others.

  • Warrants create a win-win situation for you and your employees: with warrants, you can give your employees a higher bonus (compared to a traditional cash bonus) and at the same time reduce your costs. Under certain conditions, you, as an employer can enjoy an exemption from social security contributions on warrants and your employees can enjoy personal social security contributions.
  • Warrants are tax deductible for your company.
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With a bonus in Call Warrants instead of cash, eligible employees are left with an after-tax income that is about 34% higher (if the sales value of the Call Warrants equals their grant value).

See calculated example

Does your company meet the criteria to qualify?

Ask your financial adviser for more information and read the prospectus of this investment offer.

Discuss with us

Attractive potential return

Tax prepayment and Tax Shelter:

Additional return: Prepayments and the tax shelter

You can replace part of your advance payments with a Tax Shelter to take full advantage of both solutions. You thus enjoy the benefit of the Tax Shelter (subject to the receipt of a Tax Shelter certificate) and the potential financial return on it. A Tax Shelter entails certain risks that should be considered before investing. Check our Tax Shelter page and the prospectus for more information. We therefore recommend that you discuss this with your accountant or a financial or tax adviser.

You can invest in BNP Paribas Fortis Film Finance from EUR 15,000. In view of the conditions to which the Tax Shelter is subject, this investment is in principle possible as soon as your company's taxable profit exceeds approximately EUR 170,000.

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