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Guarantee on all tax returns you file with Accountable ⭐️

Accountable Taxes

Written by: Nicolas Quarré

Updated on: September 24, 2026

Reading time: 5 minutes

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It’s simple: if you receive a fine from the tax authorities, we’ll cover it.

Even if the mistake was yours.

It is our way to offer complete peace of mind to everyone using Accountable to submit their taxes.

It is our commitment to you.

With over 110,000 tax declarations generated from Accountable in 2025, we have effectively become the #1 source of tax returns for the self-employed in Belgium.

This unique position in the market enabled us to realise a founder’s dream: guarantee on all tax returns generated from the app.

Accountable is the first software in Belgium offering a tax guarantee

We take this commitment, for you, our users.
To offer you the peace of mind that you deserve.

We can do it because we are the best positioned to do it:

  • Design for zero bad input: we built the app so that you cannot easily make mistakes and we are committed to constantly improving this.
  • Deep automated checks: for every submission, we automatically check the status of every document and make sure they are correct, were reviewed and not submitted before. We check for potential mistakes in your expenses and invite you to discuss difficult cases with us. We let you know if any of those checks failed.
  • Always correct attachment management: for every expense and every revenue, based on the category and type, we check which justification is needed for each tax declaration. We don’t let you deduct expenses or declare revenue if not justified by the proper documents.
  • Link to the bank: by letting you connect up to 5 bank accounts in the app and automatically reconciling expenses and revenue, we help you maintain a clean accounting, hence dramatically reducing the risk of mistakes & irregularities.

This guarantee answers the most important problem you have shared with us.
It is also the reason why we exist: offering you complete peace of mind.

What does the Accountable guarantee cover?

Who is covered by the guarantee? ✨

All tax declarations are by default guaranteed if they are initiated by:

  • any TAXES or MAX user who successfully completes the tax review and is in order of payment.
  • any accountant who successfully completes the tax review for their client

What does the guarantee cover? ✅

The guarantee covers any error or omission in the tax declaration that result in fines being imposed by the Belgian Tax Authorities, excl. fraud and non-submission of taxes.

If the user made a mistake (e.g. encoding a document, adding a forbidden expense), we rely on Tax Authorities to say if the guarantee applies:

  • Tax Authorities decide that it was NOT carried out with the intention of eluding taxes: in this case, only non-proportional fines can be issued and we cover it as part of the guarantee.
  • Tax Authorities decide that it was carried out with the intention of eluding taxes: in this case, proportional fines can be issued and we DON’T cover it as part of the guarantee.

Situations covered by the Tax Guarantee

Below are some examples of when Accountable’s Tax Guarantee can be used:

  • You accidentally applied the wrong VAT rate on a sales invoice. A VAT audit follows and you receive a fine. Accountable pays the fine, but you still need to collect the VAT from your client and remit it to the government.
  • You received a purchase invoice without VAT. You thought it was exempt from VAT, but in fact, the reverse charge mechanism applied. An audit follows and you receive a fine. Again, Accountable pays the fine, but you still need to pay the VAT that was due and not declared.
  • You didn’t know a purchase had to be amortised over several years. An audit follows and you receive a fine. We pay the fine.

Which cases are not covered by the guarantee? 🚫

The guarantee does not cover:

  • newly calculated or additional taxes decided by Tax Authorities after e.g. a tax audit
  • penalties for fraud & tax evasion
  • interests on taxes
  • fines issued after the guarantee validity period (365 days after submission)

The guarantee neither applies in the following cases:

  • The user willingly committed fraud, as stated by Tax Authorities, during the period covered by this declaration.
  • The user submitted their declaration late more than once or did not submit at all.
  • The user forgot to add documents for the period of the declaration or submitted a document twice, despite warnings displayed in the app.
  • The user was ever asked by Tax Authorities to pay a fine for fraud or see their revenue corrected by the Tax Office in any period prior to the submission.
  • The user belongs to any of those special tax regimes: mixed VAT, margin VAT, or agriculture.
  • The user did not fulfill the eligibility criteria for the guarantee (e.g. tax reviews), as displayed in the app.

⭐️ And the protection doesn't stop there.

Our tax guarantee covers you if there's a mistake in your tax return. But what if the tax office comes knocking for a tax audit? We're there to help you then too.

Even when everything is perfectly in order, a tax audit can cost you a lot of time and money. Your accountant has to review your books and prepare your file, but also be present during the audit and possibly draft an appeal. That's why our yearly Max plan includes tax audit protection up to €5,000.

  • Up to €5,000 in cover for accounting and legal fees
  • Keep working with your trusted accountant and get the costs reimbursed directly
  • Automatically included in the yearly Max plan for all self-employed natural persons
  • Cover runs from 1 January of the year you subscribe
  • Underwritten by ARAG

Thanks to our tax guarantee and tax audit protection, you can focus on what really matters: building your business, living your passion.

We are here, as always, if you have any questions or would like our help.

You are the boss.

Nicolas
On behalf of the entire Accountable team

FAQ about Accountable's tax guarantee

What's the difference between Accountable's tax guarantee and Dexxter's penalty protection?

Both guarantees protect you against fines, but the big difference is that Dexxter only covers VAT fines caused by a demonstrable technical error in its own software, while Accountable's tax guarantee also covers mistakes you make yourself when entering or interpreting your data. And that applies to all your tax returns: both personal income tax and VAT returns. On top of that, Dexxter protects you up to €5,000 per return, and Accountable up to €10,000.

What doesn't the tax guarantee cover?

Fraud, returns filed late, late-payment interest, the tax itself that you still owe after a recalculation, and special VAT schemes (mixed VAT liability, margin scheme, agricultural scheme). The guarantee is valid for 365 days after filing the return.

Does the tax guarantee also cover the costs of a tax audit?

No, but for that you can rely on the tax audit protection for the self-employed. This insurance is included in the Max plan. The tax guarantee pays the fine if there's a mistake in your return, and the tax audit protection covers up to €5,000 in accounting and legal fees to defend your file if the tax office audits you. Together, they cover both the mistake and the audit.

 

Nicolas Quarré

Author - Nicolas Quarré

Nicolas is co-founder and CEO at Accountable. His vision for the company has always been clear: free self-employed from administrative nightmares.

Who is Nicolas ?

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