{"id":15630,"date":"2024-01-19T17:25:42","date_gmt":"2024-01-19T16:25:42","guid":{"rendered":"https:\/\/fix-blog.local\/blog\/which-social-insurance-fund\/"},"modified":"2025-11-06T12:13:26","modified_gmt":"2025-11-06T11:13:26","slug":"which-social-insurance-fund","status":"publish","type":"post","link":"https:\/\/www.accountable.eu\/en-be\/blog\/which-social-insurance-fund\/","title":{"rendered":"Social insurance funds in Belgium: which one should you choose?"},"content":{"rendered":"\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\"><strong>When you\u2019re self-employed in Belgium, you\u2019re legally required to register with a social insurance fund, also called a social security fund. But how do you choose a fund? Below, we compare the services offered by the different social insurance funds in Belgium to help you make your decision.<\/strong><\/p>\n\n\n\n<h2 id=\"what-is-a-social-insurance-fund\" class=\"wp-block-heading font-degular scroll-mt-32\">What is a social insurance fund?<\/h2>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">In Belgium, social insurance funds, or social security funds, are responsible for\u00a0<strong>calculating and collecting social security contributions from the self-employed. <\/strong>These <a class=\"font-inter text-purple underline underline-offset-1\" href=\"https:\/\/www.accountable.eu\/en-be\/blog\/social-security-contributions-self-employed\/\"><strong>contributions<\/strong><\/a><strong> <\/strong>are then forwarded to the State by the social insurance fund. <\/p>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">In return for the contributions you pay quarterly when you\u2019re self-employed, you <strong>receive social protection<\/strong>, which includes things like your statutory pension, family allowances, or benefits in the event of illness.<\/p>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">This is the basic function of a social insurance fund, but many also offer&nbsp;<strong>additional services.<\/strong> Of course, your social insurance fund also serves&nbsp;<strong>as your point of contact<\/strong>&nbsp;for all your questions about being self-employed, social security contributions, and your self-employed status.<\/p>\n\n\n\n<h2 id=\"which-social-insurance-fund-should-i-choose\" class=\"wp-block-heading font-degular scroll-mt-32\">Which social insurance fund should I choose?<\/h2>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">You can freely choose which social insurance fund to register with. But before making a decision, we recommend that you carefully examine the services each provider offers. <\/p>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">Some offer\u00a0<strong>more personalised support<\/strong>\u00a0than others or have\u00a0<strong>specialised services <\/strong>that<strong> <\/strong>might be<strong> <\/strong>more suited to your company&#8217;s needs.<\/p>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">To avail of the services offered by your social insurance fund, you pay an <strong>administration<\/strong><strong> fee.<\/strong> This is a percentage of your social security contributions, and it&nbsp;<strong>varies between 3% and 4.45%, <\/strong>depending on the fund.<\/p>\n\n\n\n<h2 id=\"comparing-belgiums-social-insurance-funds\" class=\"wp-block-heading font-degular scroll-mt-32\">Comparing Belgium\u2019s social insurance funds<\/h2>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">Below, you can find an overview of the nine recognised social insurance funds, or social security funds, in Belgium (in alphabetical order).<\/p>\n\n\n\n<h3 id=\"acerta\" class=\"wp-block-heading font-degular scroll-mt-32\">Acerta<\/h3>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\"><a class=\"font-inter text-purple underline underline-offset-1\" href=\"https:\/\/www.acerta.be\/en\"><strong>Acerta<\/strong><\/a>\u00a0describes itself as a\u00a0<strong>HR services group<\/strong>\u00a0that supports entrepreneurs at every stage.<\/p>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\"><strong>Additional services <\/strong><strong>beyond the<\/strong><strong> basics:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list list-disc list-outside ml-0 mb-4 space-y-2\">\n<li class=\"font-inter text-base text-black\">Pensions for the self-employed\u00a0<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">Tax and legal support<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">HR and payroll solutions<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">Insurance<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">Mental well-being<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">Training courses and webinars<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">Trademark registration<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">Permits\/licenses<\/li>\n<\/ul>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">Acerta is<strong>&nbsp;popular with growing Small and Medium-Sized Enterprises (SMEs)<\/strong>&nbsp;that want personalised support. With over<strong>&nbsp;25 offices&nbsp;and an online platform,<\/strong> this social insurance fund is very accessible.<\/p>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\"><strong>Admin <\/strong><strong>fees: 3.05%<\/strong><\/p>\n\n\n\n<h3 id=\"avixi\" class=\"wp-block-heading font-degular scroll-mt-32\">Avixi<\/h3>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\"><a class=\"font-inter text-purple underline underline-offset-1\" href=\"https:\/\/avixi.be\/fr\/\"><strong>Avixi<\/strong><\/a> is a less well-known and smaller social insurance fund that offers<strong>\u00a0basic social security services.<\/strong> The range of services offered is therefore narrower than that of larger funds.<\/p>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\"><strong>Additional services <\/strong><strong>beyond the<\/strong><strong> basics:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list list-disc list-outside ml-0 mb-4 space-y-2\">\n<li class=\"font-inter text-base text-black\">Supplementary insurance<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">Pensions for the self-employed<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">Starters academy<\/li>\n<\/ul>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">With Avixi, you can manage your business admin online, but you have fewer tools and technological resources than in large social security funds. On the other hand, you benefit from an approach that is&nbsp;<strong>very personal, human, and easy to understand.<\/strong><\/p>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">This social insurance fund has&nbsp;<strong>four offices:<\/strong> one in Brussels and three in Flanders.<\/p>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\"><strong>Admin<\/strong> <strong>fees: 4%<\/strong><\/p>\n\n\n\n<h3 id=\"the-national-fund\" class=\"wp-block-heading font-degular scroll-mt-32\">The National Fund<\/h3>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">The\u00a0<a class=\"font-inter text-purple underline underline-offset-1\" href=\"https:\/\/www.national-fund.be\/en\"><strong>National Fund<\/strong><\/a>\u00a0is a special case: it\u2019s a\u00a0<strong>public social insurance fund<\/strong>\u00a0that\u2019s part of the\u00a0<a class=\"font-inter text-purple underline underline-offset-1\" href=\"https:\/\/www.nisse.be\/en\"><strong>National Institute for Social Insurance of the Self-Employed<\/strong><\/a>\u00a0(NISSE, or INASTI\/RSVZ in French\/Dutch). Although it\u2019s an autonomous entity in an administrative sense, it\u2019s not a distinct legal entity.<\/p>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\"><strong>Additional services <\/strong><strong>beyond the<\/strong><strong> basics:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list list-disc list-outside ml-0 mb-4 space-y-2\">\n<li class=\"font-inter text-base text-black\">Supplementary statutory pension<\/li>\n<\/ul>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">This social insurance fund&nbsp;is the fund that self-employed entrepreneurs are <strong>automatically registered with<\/strong>&nbsp;<strong>if they don\u2019t choose<\/strong>&nbsp;a social insurance fund themselves.<\/p>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">The National Fund has&nbsp;<strong>around ten offices in Brussels, Wallonia and Flanders. Digital support is limited.<\/strong> If you register with the National Fund, you\u2019ll need to handle a larger portion of your administrative tasks yourself.<\/p>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\"><strong>Admin fees: 4.25%<\/strong><\/p>\n\n\n\n<h3 id=\"group-s\" class=\"wp-block-heading font-degular scroll-mt-32\">Group S<\/h3>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">The Brussels-based social insurance fund <a class=\"font-inter text-purple underline underline-offset-1\" href=\"https:\/\/www.groups.be\/fr\"><strong>Group S<\/strong><\/a> specialises in\u00a0<strong>HR support for freelancers, starters and employers.<\/strong> \u00a0<\/p>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\"><strong>Additional services <\/strong><strong>beyond the<\/strong><strong> basics:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list list-disc list-outside ml-0 mb-4 space-y-2\">\n<li class=\"font-inter text-base text-black\">Pensions for the self-employed<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">Insurance<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">Recruitment and personnel administration<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">Performance management &amp; well-being<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">Outsourcing<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">Legal support<\/li>\n<\/ul>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">As a HR service provider, Group S offers&nbsp;<strong>advanced digital services,<\/strong> with practical and efficient self-service tools. At the same time, Group S offers a <strong>p<\/strong><strong>ersonalised service.<\/strong><\/p>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">With&nbsp;<strong>only one office, located in Brussels,<\/strong> this social insurance fund is most accessible to entrepreneurs in the Brussels-Capital Region and surrounding areas. Of course, you can always ask your questions to Group S&nbsp;<strong>online.<\/strong><\/p>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\"><strong>Admin fees: 3.90%<\/strong><\/p>\n\n\n\n<h3 id=\"liantis\" class=\"wp-block-heading font-degular scroll-mt-32\">Liantis<\/h3>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\"><a class=\"font-inter text-purple underline underline-offset-1\" href=\"https:\/\/www.liantis.be\/en\/starting-a-business-belgium-as-a-foreigner\"><strong>Liantis<\/strong><\/a> is a large social insurance fund offering a\u00a0wide range of services that go well beyond social security.<\/p>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\"><strong>Additional services <\/strong><strong>beyond the<\/strong><strong> basics:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list list-disc list-outside ml-0 mb-4 space-y-2\">\n<li class=\"font-inter text-base text-black\">Support for new freelancers<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">Tips on well-being at work<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">HR support and payroll solutions<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">Training<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">Pensions for the self-employed<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">Insurance<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">Mental well-being<\/li>\n<\/ul>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">Liantis caters to&nbsp;<strong>all <\/strong><strong>kinds of self-employment,&nbsp;from <\/strong><strong>being self-employed in a secondary occupation to SMEs<\/strong>, across diverse sectors. It&#8217;s a good choice if you&#8217;re looking for an&nbsp;<strong>all-in-one partner<\/strong>&nbsp;capable of supporting your business on multiple levels.<\/p>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">The company is very accessible, both&nbsp;<strong>online<\/strong>&nbsp;and in one of the&nbsp;<strong>35+ physical offices<\/strong>&nbsp;across Belgium.<\/p>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\"><strong>Admin fees: 3.95%<\/strong><\/p>\n\n\n\n<h3 id=\"partena-professional\" class=\"wp-block-heading font-degular scroll-mt-32\">Partena Professional<\/h3>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">With its social insurance fund, <a class=\"font-inter text-purple underline underline-offset-1\" href=\"https:\/\/www.partena-professional.be\/en\"><strong>Partena Professional<\/strong><\/a> places an emphasis on\u00a0<strong>flexible support<\/strong>\u00a0and a personalised approach. It primarily targets\u00a0<strong>small businesses, startups, and freelancers<\/strong>,<strong> <\/strong>positioning itself as a\u00a0<strong>one-stop shop for entrepreneurs<\/strong>\u00a0seeking a fund that can collaborate with them and support their growth.<\/p>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\"><strong>Additional services <\/strong><strong>beyond the<\/strong><strong> basics:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list list-disc list-outside ml-0 mb-4 space-y-2\">\n<li class=\"font-inter text-base text-black\">Legal support<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">Insurance<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">Start-up support for new freelancers<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">Occupational health service<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">Family allowance fund<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">Events and training<\/li>\n<\/ul>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">Partena Professional\u2019s&nbsp;<strong>online platform<\/strong>&nbsp;gives you access to a wealth of documents and information to easily manage your admin. You can also visit them in person, as Partena has <strong>dozens<\/strong>&nbsp;<strong>of offices<\/strong>&nbsp;in Brussels, Wallonia and Flanders.<\/p>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\"><strong>Admin fees: 4.25%&nbsp;<\/strong><\/p>\n\n\n\n<h3 id=\"securex\" class=\"wp-block-heading font-degular scroll-mt-32\">Securex<\/h3>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">The social insurance fund of <a class=\"font-inter text-purple underline underline-offset-1\" href=\"https:\/\/www.securex.be\/en\"><strong>Securex<\/strong><\/a> caters to the self-employed, freelancers, and entrepreneurs across various sectors. However, given Securex&#8217;s\u00a0<strong>extensive HR services,<\/strong> it&#8217;s fair to say they primarily focus on\u00a0<strong>self-employed entrepreneurs who employ staff.<\/strong><\/p>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\"><strong>Additional services <\/strong><strong>beyond the<\/strong><strong> basics:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list list-disc list-outside ml-0 mb-4 space-y-2\">\n<li class=\"font-inter text-base text-black\">HR<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">Advice on well-bedvice<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">Pensions for the self-employed<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">Insurance<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">Legal assistance<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">Training courses and webinars<\/li>\n<\/ul>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">In addition to a self-service platform, Securex has&nbsp;<strong>more than 30 offices&nbsp;<\/strong>in Brussels, Wallonia and Flanders.<\/p>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\"><strong>Admin fees: 4.10%<\/strong><\/p>\n\n\n\n<h3 id=\"ucm\" class=\"wp-block-heading font-degular scroll-mt-32\">UCM<\/h3>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\"><a class=\"font-inter text-purple underline underline-offset-1\" href=\"https:\/\/www.ucm.be\/\"><strong>UCM<\/strong><\/a> is a French-language social insurance fund, active in Brussels and Wallonia.<\/p>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\"><strong>Additional services beyond the basics:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list list-disc list-outside ml-0 mb-4 space-y-2\">\n<li class=\"font-inter text-base text-black\">HR<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">Legal advice<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">Advice on well-being and insurance<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">Coaching and training<\/li>\n<\/ul>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">This social insurance fund is renowned for its&nbsp;<strong>flexible and customer-oriented approach,<\/strong> adapted to the development phase of your business.<\/p>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">There are&nbsp;<strong>more than 20 local UCM<\/strong><strong> <\/strong><strong>offices <\/strong>across Brussels and Wallonia. And with an online account, you can also manage your business admin, training, and other products yourself.<\/p>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\"><strong>Admin fees: 4.05%<\/strong><\/p>\n\n\n\n<h3 id=\"xerius\" class=\"wp-block-heading font-degular scroll-mt-32\">Xerius<\/h3>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">As a social insurance fund, <a class=\"font-inter text-purple underline underline-offset-1\" href=\"https:\/\/www.xerius.be\/fr-be\"><strong>Xerius<\/strong><\/a>\u00a0caters to both starters and experienced self-employed entrepreneurs.\u00a0It\u2019s renowned for its\u00a0<strong>high-performance and user-friendly digital platform,<\/strong> which is packed with information, documents, and helpful tips to assist you with your business admin. An ideal solution for entrepreneurs who prefer to\u00a0<strong>manage their admin online.<\/strong><\/p>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\"><strong>Additional services beyond the basics:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list list-disc list-outside ml-0 mb-4 space-y-2\">\n<li class=\"font-inter text-base text-black\">Advice for starters<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">Pensions for the self-employed<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">Insurance<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">Advice on mental well-being<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">Training<\/li>\n<\/ul>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">If you\u2019re looking for face-to-face support, you can easily make an appointment with a Xerius advisor,&nbsp;whether <strong>online or in one of their offices:<\/strong> there are around&nbsp;<strong>ten<\/strong>&nbsp;<strong>offices,<\/strong> across Belgium\u2019s regions.<\/p>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\"><strong>Admin fees: 3.05%<\/strong><\/p>\n\n\n\n<h2 id=\"comparison-of-admin-fees-across-social-insurance-funds\" class=\"wp-block-heading font-degular scroll-mt-32\">Comparison of admin fees across social insurance funds<\/h2>\n\n\n\n<figure class=\"wp-block-table acct-table overflow-x-auto md:overflow-x-visible mt-14 pt-8\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Fund<\/strong><\/td><td><strong>Fees as %<\/strong><\/td><\/tr><tr><td>Acerta<\/td><td>3.05%<\/td><\/tr><tr><td>Avixi<\/td><td>4%<\/td><\/tr><tr><td>National Fund<\/td><td>4.25%<\/td><\/tr><tr><td>Group S<\/td><td>3.90%<\/td><\/tr><tr><td>Liantis<\/td><td>3.95%<\/td><\/tr><tr><td>Partena Professional<\/td><td>4.25%<\/td><\/tr><tr><td>Securex<\/td><td>4.10%<\/td><\/tr><tr><td>UCM<\/td><td>4.05%<\/td><\/tr><tr><td>Xerius<\/td><td>3.05%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\"><em>Admin fees in 2025<\/em><\/p>\n\n\n\n<h2 id=\"how-to-change-social-insurance-funds\" class=\"wp-block-heading font-degular scroll-mt-32\">How to change social insurance funds<\/h2>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">Are you dissatisfied with the services provided by your current social insurance fund? If so, you can request to change funds and register with a different fund.&nbsp;<\/p>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">However, there are <strong>certain conditions<\/strong>&nbsp;that must be met&nbsp;if you want to change social insurance fund.<\/p>\n\n\n\n<ul class=\"wp-block-list list-disc list-outside ml-0 mb-4 space-y-2\">\n<li class=\"font-inter text-base text-black\">Your\u00a0<strong>social security contributions<\/strong>\u00a0must be\u00a0<strong>paid in full<\/strong>\u00a0when you change funds. There may also be a\u00a0<strong>notice period<\/strong>\u00a0to respect, depending on your current fund.<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">You must have been\u00a0<strong>affiliated with your current social insurance fund for at least four calendar years<\/strong>\u00a0as a self-employed sole trader (or at least three calendar years if you\u2019re self-employed with a company) before you can change.<\/li>\n<\/ul>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">It\u2019s therefore in your best interest to gather as much information as possible before deciding which social insurance fund to register with in the first place.<\/p>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\"><strong>Accountable automatically calculates your social security contributions based on your income. And every quarter, we remind you when it&#8217;s time to pay them.<\/strong><\/p>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\"><a class=\"font-inter text-purple underline underline-offset-1\" href=\"https:\/\/web.accountable.eu\/signup\">Try Accountable for free now.<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>When you\u2019re self-employed in Belgium, you\u2019re legally required to register with a social insurance fund, also called a social security fund. But how do you choose a fund? Below, we compare the services offered by the different social insurance funds in Belgium to help you make your decision. What is a social insurance fund? In [&hellip;]<\/p>\n","protected":false},"author":24,"featured_media":6846,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[264,280],"tags":[247,251,256],"class_list":["post-15630","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-become-self-employed","category-humans-of-accountable-3","tag-become-self-employed","tag-independent","tag-secondary-occupation"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Comparing social insurance funds in Belgium - Accountable<\/title>\n<meta name=\"description\" content=\"On your way to becoming self-employed? Don&#039;t forget to join a social insurance fund. 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