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Communication of a promotional nature

Tax optimisation is an asset in managing your cash flow

2020 is coming to an end. It has been a peculiar year in many respects, greatly impacted by the health crisis and economic measures. You have had to adapt, seize opportunities, and rethink your strategy. To plan for the end of the year and the year ahead with peace of mind, you can use our solutions to make your tax prepayments on time and pay your employees' end-of-year bonuses without drawing on your cash reserves.

Let's talk

Reduce your tax base

Reward your employees

Preserve your cash

3 priorities, one made-to-measure offer

With our solutions, you can make your tax prepayments on time and pay your employees' end‑of‑year bonuses without drawing on your cash reserves.

 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
  • holiday pay
  • NSSO social security contributions on holiday pay
  • 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
Advantageyou can choose the date of the first repaymentautomatically renewable loan

Interested? Complete your application now via Easy Banking Business

  • Choose speed and convenience
  • Benefit from instant processing
  • Avoid an arrangement fee of EUR 150
Apply online

Find out more

Call your Relationship Manager to discuss the details.
Not a customer yet?

Contact us

New options for 2020

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A new scenario allowing you to reduce your tax base

Perhaps you will go to the cinema or watch a good film over the festive season and notice at the end of the credits that the production was financed by the tax shelter?

  • Do you know that you can advantageously combine 'cultural' tax shelter and tax prepayments, as it allows a tax saving which is greater than the amount given to a producer.
  • This is an attractive product, it is solely available to companies subject to the ordinary rate of corporation tax. At the reduced rate, the product is no longer attractive, since it is a tax product that carries its own particular restrictions and risks.

Interested? Take the time to read the prospectus before making an investment decision and in particular all the risks associated with this product. The approval of this prospectus by the FSMA should not be considered as a favorable advice.

« Since it was established in 2007, BNP Paribas Fortis Film Finance has already financed over 280 projects worth more than EUR 260 million. »
Vincent Vandevoorde, tax shelter specialist at BNP Paribas Fortis

Not all bonuses are the same

A bonus is always good news for your employees. However, their social treatment differs according to the system, with some bonuses taxed more than others.

  • By giving your employees a bonus in the form of warrants, you can increase their bonus while reducing your costs. Indeed, under certain conditions, you, as an employer, benefit from an exemption from social security payments on warrants and your employees from personal social security contributions.
  • The warrants awarded are tax-deductible for your company. 
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A bonus in call warrants as opposed to cash gives eligible employees an income after tax which is more or less 34% higher (for a transfer value of the call warrants equal to their allocation value).

Illustration with figures

Does your company meet the criteria to enjoy the benefits of the tax shelter or bonuses in the form of warrants?

Ask your tax advisor for more information.

Let's discuss

Would you like a customised calculation?

Make an appointment

* 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.

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