As a self-employed company director, you're constantly looking for the right balance between paying yourself a fair salary, optimising your tax position and keeping your administration simple. The good news is that there are several extralegal benefits that can help increase your purchasing power in a tax-efficient way, without relying on a traditional salary increase.
Most entrepreneurs are familiar with meal vouchers, but that's only the beginning. Eco vouchers, gift vouchers, and sports & culture vouchers can also be valuable additions to your remuneration package. By combining these benefits strategically, you can significantly increase your net purchasing power without incurring the same cost as a traditional salary increase. When granted in compliance with the applicable legal requirements, these benefits are exempt from social security contributions.
A gross salary increase may seem like the easiest solution, but a significant part disappears through taxes and social security contributions.
Extralegal benefits work differently. When granted in compliance with the applicable legal conditions, they allow you to increase your purchasing power in a far more tax-efficient way. The result? More net value at a lower cost.
Curious about what this could mean for your situation? With Monizze's free calculator, you can calculate in just a few clicks how much additional net purchasing power you could gain and compare the benefits with a traditional salary increase. You'll instantly see the difference and discover which combination offers the greatest benefit for your business.
Meal vouchers are by far the best-known extralegal benefit. As a company director, you can grant yourself one meal voucher for each day effectively worked, provided you comply with the applicable legal requirements.
Since 2026, the maximum value of a meal voucher is €10 per working day. The employer contribution amounts to €8.91, while the employee contribution is €1.09. Based on 220 working days per year, you can grant yourself up to €2,200 in additional net purchasing power annually.
The biggest advantage? Meal vouchers are exempt from social security contributions. In addition, increasing the maximum value from €8 to €10 doubled the tax deduction. The deductible amount increased from €2 to €4 per voucher for vouchers worth €10.
Meal vouchers can be used not only in supermarkets and restaurants, but also at bakeries, butcher shops, delicatessens and thousands of other affiliated merchants.
Eco vouchers are designed to encourage sustainable purchases. As a company director, you can grant yourself up to €250 in additional net purchasing power each year, exempt from social security contributions.
They can be used to purchase energy-efficient household appliances, bicycles, public transport, reusable products, organic food, gardening equipment and many other sustainable products and services included on the official eco voucher list.
Gift vouchers are an excellent way to reward yourself or your employees for specific occasions such as Christmas, Saint Nicholas, a wedding, retirement or a service anniversary.
The maximum amount depends on the occasion. For example, you can grant gift vouchers of up to:
When the legal conditions are met, gift vouchers are exempt from social security contributions, while their tax treatment depends on the specific occasion. They therefore offer a flexible and tax-efficient way to reward yourself or your employees without adding unnecessary administrative work.
Financial optimisation is important, but investing in wellbeing matters too. Sports & culture vouchers encourage an active and healthy lifestyle.
You can grant yourself up to €100 in additional net purchasing power each year. These vouchers are exempt from both social security contributions and taxes when the legal conditions are fulfilled. Unlike meal vouchers, however, they are not tax deductible for the company.
Sports & culture vouchers can be used for fitness memberships, sports clubs, swimming pools, museums, concerts, theatres and many other recognised sports and cultural activities. In other words, they combine tax-efficient remuneration with an investment in health and wellbeing.
| Benefit | Maximum amount |
| Meal vouchers | €10 per working day, €2,200 per year |
| Eco vouchers | €250 per year |
| Gift vouchers | Depends on the occasion |
| Sports & culture vouchers | €100 per year |
| 4-in-1 Pack | €2,590 per year |
For many entrepreneurs, keeping administration simple is just as important as tax optimisation. Nobody wants to manage multiple cards, separate orders and fragmented administration.
At the same time, many company directors miss out on valuable opportunities simply because they are not fully aware of all the extralegal benefits available to them. By understanding these options and working alongside your accountant to build a well-designed remuneration strategy, you can optimise your compensation without increasing your administrative workload.
The Monizze 4-in-1 Pack brings all four benefits together on a single card. You set everything up once, after which it renews automatically each year. The allocated amounts remain fully flexible and can easily be adjusted as your situation evolves.
Altogether, you can provide yourself with up to €2,590 in additional purchasing power per year through one simple solution, depending on the applicable legal limits.
Successful tax optimisation is not just about maximising benefits, but also about keeping administration simple.
By managing all extralegal benefits through a single platform, invoices, documents and administration remain organised and easy to manage. Monizze also integrates with most Belgian payroll providers, making payroll processing straightforward. In addition, you can grant your accountant secure access to your online customer portal, allowing them to manage everything on your behalf.
If you're a self-employed business owner operating through a company, it's worth looking beyond a traditional salary. By combining meal vouchers, eco vouchers, gift vouchers and sports & culture vouchers, you can significantly increase your net purchasing power in a tax-efficient way.
With a all-in-one solution such as the Monizze 4-in-1 Pack, administration becomes much simpler too: one card, one platform and all your extralegal benefits managed in one place. That means less time spent on paperwork and more time focused on growing your business.
Curious what this could look like in your own situation? Request a free, no-obligation quote and discover how much additional purchasing power you could create.
This article was contributed by Monizze, a partner of Accountable.
Author - Valesca Wilms
As content marketing lead at Accountable Belgium, Valesca writes about freelancing, self-employment, and taxes based on her own experience as a freelancer.
Who is Valesca ?Thank you for your feedback!
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