Self-employed

Scala Privilege Individual Pension Agreement: save for your supplementary pension through your company

A tax-efficient Branche 23 / Tak 23(1) or Branche 21 / Tak 21 solution that allows you to build up a supplementary pension through your company

If you opt for Branche 23 / Tak 23(1): an extensive selection of funds to suit every investor profile, ranging from the defensive to the dynamic

Invest cost-effectively in property via a bullet loan, advance or notarised pledge(2)

Additional guarantees are available to protect your family and your income in the event of your death or incapacity for work

A tax-efficient Branche 21 / Tak 21 solution as a supplement to your statutory pension

Annual contribution subject to the current tax limit

You pay reduced social contributions and personal income tax

Invest cost-effectively in property via an advance or notarised pledge(2)

Profit shares can be invested in Branche 23 / Tak 23(1) funds

Additional guarantees are available to protect your family and your income in the event of your death or incapacity for work

A tax-efficient Branche 23 / Tak 23(1) or Branche 21 / Tak 21 solution that allows you to build up a supplementary pension through your company

If you opt for Branche 23 / Tak 23(1): an extensive selection of funds to suit every investor profile, ranging from the defensive to the dynamic

Invest cost-effectively in property via a bullet loan, advance or notarised pledge(2)

Additional guarantees are available to protect your family and your income in the event of your death or incapacity for work

Your company receives an annuity should one of its key figures be (temporarily) put out of action by an illness, accident or death

Protects the continuity of your business so that your overhead costs can be covered

Your company is both the policy holder and the beneficiary, and is not liable for any death duties

Affordable death cover, personalised to your specific needs and family situation

Flexible: Fixed or reducing lump sum, or spread your premium payments

Additional accidental death cover: your next of kin receive an additional lump sum

Acceptance based on 5 simple questions (until age 50 and up to EUR 300,000)

Safeguards the stability of your company in the event of the death of one of the business partners

When combined with a shareholder agreement, this death cover rules out an unwelcome possibility of heirs inheriting a stake in your company

The rights of your heirs are respected in full, as well as any financial agreements made with them