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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, 2021 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

Reduce your taxable base

Reward your employees

Keep your reserves

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
  • 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? 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

Want to know more?

Contact your account manager.
Not a client yet?

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A special menu for 2021

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The tax shelter: another possible means of reducing your taxable base.

Perhaps you watched a great film at New Year and noticed in the end credits that it was financed by a tax shelter?

  • Did you know that you can advantageously combine advance payments and the ‘cultural’ tax shelter? You benefit because the tax shelter allows you to save more tax than the amount invested.
  • The product is interesting and intended for companies subject to the ordinary rate of corporation tax. It is no longer of interest if you are taxed at a reduced rate. It is a tax product with limitations and specific risks.

Are you interested? Consult your accountant or financial/fiscal adviser and take the time to read the prospectus (and its annex), in particular all the risks associated with this product (see p. 13 and following + p. 20 and following in the prospectus), before deciding to invest. The approval of this prospectus by the FSMA should not be construed as a favourable opinion.

“Since its creation in 2007, BNP Paribas Fortis Film Finance has been able, with the help of nearly 1,500 Belgian companies, to invest over EUR 315 million in more than 400 productions. We are particularly proud to have contributed to the financing of four films that have been selected for the 74th Cannes Film Festival, one of which even made it to the official selection. The film ‘Rookie’, with Matteo Simoni, Veerle Baetens and Stefaan Degand among others, also came about thanks to the tax shelter. Just like the Ketnet series ‘Hoodie’, which will be shown in 71 countries, and the internationalisation of the television series ‘The Smurfs’."
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.
  • NEW: support the Food Banks thanks to “Warrants@work with an impact”.
    BNP Paribas Fortis is the first Belgian bank to launch warrants with a social aspect. This gives your company the opportunity to donate part of the exemption or a free amount to the Food Banks. In this way, you strike a double blow: not only do you improve the purchasing power of your employees, you also make them aware of the importance of supporting people who are less fortunate.
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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 for the tax shelter or bonuses in the form of warrants?

Ask your financial adviser for more information.

Discuss with us

Extra potential return

Prepayments and tax shelter:

Additional return: Prepayments and the tax shelter

You can replace part of the upfront payments with a tax shelter to optimise the benefits of both solutions. A tax shelter involves risks that you can read about on our tax shelter page. We recommend that you consult your accountant, financial or tax adviser.

You can invest in BNP Paribas Fortis Film Finance from €15,000. Subject to the conditions of the tax shelter, an investment like this is, in principle, possible as soon as your company's taxable profit exceeds approximately EUR 170,000.

Would you like a personalised simulation?

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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