«Alexis, I own significant real estate in Wallonia and a securities portfolio in Brussels. Between the complexity of inheritance laws by region and the tax burden on my professional income, how can I protect my children's future without sacrificing my current growth?»
This issue is a daily reality for the families, executives, and entrepreneurs we support at Balmont Conseil. In Belgium, more than elsewhere, inheritance is a matter of legal and fiscal structure. With a legal and fiscal system that varies depending on whether you reside in Flanders, Wallonia, or Brussels-Capital, the wealth management This can only be a matter for specialists.
As a'Wealth Management Engineer equipped with specialized AI, My mission is to transform the complexity of Belgian wealth as a lever for success. Thanks to a unique alliance between human expertise and cutting-edge AI for wealth management (ALTA by Balmont Conseil), we build tailored wealth management strategies who anticipate risks and seize opportunities in a constantly changing market.
What is wealth management in Belgium?
Wealth management is a comprehensive approach aimed at organizing, maximizing the value of, and transferring all your assets. In Belgium, this covers three fundamental pillars:
- Financial assets: Stock portfolios, cash, assurance-vie (Branch 21 and 23).
- Real estate assets: Primary residence, rental properties, investments in SCPI.
- Professional assets: Company shares, production tools, corporate real estate.
A integrated approach to wealth management It consists of not treating these elements in isolation, but understanding how they interact with each other, particularly with regard to taxation.
Our services From structuring to transmission
We support our clients at every stage of their wealth management journey with concrete and secure solutions.
Tailor-made wealth management strategy and investment
We pilot your portfolio management by optimizing the asset diversification. This involves... strategic investments including the'real estate investment in Belgium (or abroad for geographical diversification) and financial assets selected for their risk/return profile. We closely monitor the investment liquidity to ensure that you remain in control of your capital.
Tax optimization in Belgium
Belgium has strong particularities, such as the absence (under certain conditions) of taxation on private capital gains, but high taxation on labor income and certain investment income.
We activate levers of tax exemption legal, such as capitalization structures or the asset restructuring of your professional assets.
Wealth transfer and estate planning
This is the core concern of our clients. How to organize a personalized estate planning in a country where inheritance taxes can be high?
- Gifts: Using manual gifts or notarized gifts to anticipate inheritance.
- Assurance-vie: A tool for inheritance planning unparalleled in designating beneficiaries while retaining control of the funds.
- Corporate structures: Setting up structures to retain management of your assets while transferring bare ownership.
Who are our solutions aimed at?
Wealth management is not a question of minimum amount, but of vision. At Balmont, we believe that whenever there is a life project or a desire for sustainability, a tailor-made strategy becomes necessary.
Whatever your background, our added value lies in the open architecture of our consulting. We don't sell products, we build your career path.
They are aimed at those who wish to transform their income into a lasting legacy.
Why choose Balmont Conseil? Enhanced expertise
The world is changing, and the Belgian legal systems are evolving. To remain effective, the consulting firm must rely on cutting-edge technological tools.
Conclusion: Take control of your financial future
Your assets should not be a source of worry, but a driving force for freedom. In Belgium, the key lies in anticipation and the personalized estate planning. By combining the historical expertise of'wealth engineering With the analytical capabilities of artificial intelligence, Balmont Conseil offers you a clear and secure vision of your future.
Alexis Sagnier
With over 17 years of expertise in financial engineering, Alexis Sagnier assists executives and expatriates in securing their cross-border challenges.
Sources & References:
- General Tax Code (CGI) : Article 155 B.
- Official Bulletin of Public Finances (BOFiP) : Impatriate regime (BOI-RSA-GEO-40).
- 2025 Finance Law Analysis of recent developments.
- Case law on impatriation : Decisions of the Council of State on reference remuneration.
- ANACOFI Member Booklet : Standards for consulting in wealth engineering.
