"Alexis, I own significant real-estate assets in Wallonia and a securities portfolio in Brussels. Between the complexity of inheritance duties from one region to the next and the tax burden on my professional income, how can I protect my children's future without sacrificing my current growth?"
This is the daily reality of the families, executives and entrepreneurs we support at Balmont Conseil. In Belgium, more than anywhere else, wealth is a question of legal and tax architecture. With a legal and tax system that varies depending on whether you live in Flanders, Wallonia or the Brussels-Capital Region, wealth management can only be a matter for specialists.
As a Wealth Engineer equipped with a specialised AI, my mission is to turn the complexity of Belgian wealth into a lever for success. Thanks to a unique alliance between human expertise and a cutting-edge wealth AI (ALTA by Balmont Conseil), we build bespoke wealth strategies that anticipate risks and seize the opportunities of a constantly changing market.
What is wealth management in Belgium?
Wealth management is a holistic approach aimed at organising, growing and passing on all of your assets. In Belgium, this covers three fundamental pillars:
- Financial assets: stock-market portfolios, cash, life assurance (Branch 21 and 23).
- Real-estate assets: main residence, income properties, investments in SCPI.
- Professional assets: company shares, production tools, business premises.
An integrated approach to wealth management means not treating these elements in isolation, but understanding how they interact with one another, particularly with regard to taxation.
Our services: from structuring to succession
We support our clients at every stage of their wealth journey with concrete, secure solutions.
Bespoke wealth strategy and investment
We steer your portfolio management by optimising your wealth diversification. This runs through strategic investments including real-estate investment in Belgium (or abroad for geographic diversification) and financial assets selected for their risk/return profile. We keep a close eye on the liquidity of your investments to ensure you remain in control of your capital.
Tax optimisation in Belgium
Belgium has strong particularities, such as the absence (under certain conditions) of tax on private capital gains, but heavy taxation on earned income and certain investment income.
We activate legal tax-efficiency levers, such as capitalisation structures or the restructuring of your professional assets.
Wealth transfer and estate planning
This is at the heart of our clients' concerns. How do you organise tailored estate planning in a country where inheritance duties can be heavy?
- Gifts: using a hand gift or a notarised gift to anticipate the transfer.
- Life assurance: an unrivalled estate-planning tool for designating beneficiaries while retaining control of the funds.
- Corporate structures: setting up structures to keep the management of your assets while passing on the bare ownership.
Who are our solutions for?
Wealth management is not a question of a minimum amount, but of vision. At Balmont, we believe that as soon as there is a life project or a desire to build something lasting, a bespoke strategy becomes necessary.
Whatever your profile, our added value lies in the open architecture of our advice. We do not sell products, we build your trajectory.
They are for those who wish to turn their income into a lasting legacy.
Why choose Balmont Conseil? Augmented expertise
The world is changing, and the Belgian legal systems are evolving. To stay effective, advice must draw on state-of-the-art technological tools.
Conclusion: take charge of your financial future
Your wealth should not be a source of worry, but a driver of freedom. In Belgium, the key lies in anticipation and tailored estate planning. By combining the long-standing expertise of wealth engineering with the analytical power of artificial intelligence, Balmont Conseil gives you a clear, secure vision of your future.
Alexis Sagnier
With over 17 years of expertise in financial engineering, Alexis Sagnier supports business leaders and expatriates in securing their cross-border matters.
Sources & references:
- Code Général des Impôts (CGI): Article 155 B.
- Bulletin Officiel des Finances Publiques (BOFiP): inbound-expatriate regime (BOI-RSA-GEO-40).
- 2025 Finance Act: analysis of recent developments.
- Case law on inbound expatriation: Conseil d'État rulings on reference remuneration.
- ANACOFI Member Handbook: standards for wealth-engineering advice.