{"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><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 class=\"wp-block-heading\">What is a social insurance fund?<\/h2>\n\n\n\n<p>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 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>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>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 class=\"wp-block-heading\">Which social insurance fund should I choose?<\/h2>\n\n\n\n<p>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>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>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 class=\"wp-block-heading\">Comparing Belgium\u2019s social insurance funds<\/h2>\n\n\n\n<p>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 class=\"wp-block-heading\">Acerta<\/h3>\n\n\n\n<p><a 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><strong>Additional services <\/strong><strong>beyond the<\/strong><strong> basics:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pensions for the self-employed\u00a0<\/li>\n\n\n\n<li>Tax and legal support<\/li>\n\n\n\n<li>HR and payroll solutions<\/li>\n\n\n\n<li>Insurance<\/li>\n\n\n\n<li>Mental well-being<\/li>\n\n\n\n<li>Training courses and webinars<\/li>\n\n\n\n<li>Trademark registration<\/li>\n\n\n\n<li>Permits\/licenses<\/li>\n<\/ul>\n\n\n\n<p>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><strong>Admin <\/strong><strong>fees: 3.05%<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Avixi<\/h3>\n\n\n\n<p><a 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><strong>Additional services <\/strong><strong>beyond the<\/strong><strong> basics:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Supplementary insurance<\/li>\n\n\n\n<li>Pensions for the self-employed<\/li>\n\n\n\n<li>Starters academy<\/li>\n<\/ul>\n\n\n\n<p>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>This social insurance fund has&nbsp;<strong>four offices:<\/strong> one in Brussels and three in Flanders.<\/p>\n\n\n\n<p><strong>Admin<\/strong> <strong>fees: 4%<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">The National Fund<\/h3>\n\n\n\n<p>The\u00a0<a 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 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><strong>Additional services <\/strong><strong>beyond the<\/strong><strong> basics:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Supplementary statutory pension<\/li>\n<\/ul>\n\n\n\n<p>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>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><strong>Admin fees: 4.25%<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Group S<\/h3>\n\n\n\n<p>The Brussels-based social insurance fund <a 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><strong>Additional services <\/strong><strong>beyond the<\/strong><strong> basics:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pensions for the self-employed<\/li>\n\n\n\n<li>Insurance<\/li>\n\n\n\n<li>Recruitment and personnel administration<\/li>\n\n\n\n<li>Performance management &amp; well-being<\/li>\n\n\n\n<li>Outsourcing<\/li>\n\n\n\n<li>Legal support<\/li>\n<\/ul>\n\n\n\n<p>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>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><strong>Admin fees: 3.90%<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Liantis<\/h3>\n\n\n\n<p><a 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><strong>Additional services <\/strong><strong>beyond the<\/strong><strong> basics:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Support for new freelancers<\/li>\n\n\n\n<li>Tips on well-being at work<\/li>\n\n\n\n<li>HR support and payroll solutions<\/li>\n\n\n\n<li>Training<\/li>\n\n\n\n<li>Pensions for the self-employed<\/li>\n\n\n\n<li>Insurance<\/li>\n\n\n\n<li>Mental well-being<\/li>\n<\/ul>\n\n\n\n<p>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>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><strong>Admin fees: 3.95%<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Partena Professional<\/h3>\n\n\n\n<p>With its social insurance fund, <a 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><strong>Additional services <\/strong><strong>beyond the<\/strong><strong> basics:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Legal support<\/li>\n\n\n\n<li>Insurance<\/li>\n\n\n\n<li>Start-up support for new freelancers<\/li>\n\n\n\n<li>Occupational health service<\/li>\n\n\n\n<li>Family allowance fund<\/li>\n\n\n\n<li>Events and training<\/li>\n<\/ul>\n\n\n\n<p>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><strong>Admin fees: 4.25%&nbsp;<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Securex<\/h3>\n\n\n\n<p>The social insurance fund of <a 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><strong>Additional services <\/strong><strong>beyond the<\/strong><strong> basics:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>HR<\/li>\n\n\n\n<li>Advice on well-bedvice<\/li>\n\n\n\n<li>Pensions for the self-employed<\/li>\n\n\n\n<li>Insurance<\/li>\n\n\n\n<li>Legal assistance<\/li>\n\n\n\n<li>Training courses and webinars<\/li>\n<\/ul>\n\n\n\n<p>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><strong>Admin fees: 4.10%<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">UCM<\/h3>\n\n\n\n<p><a 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><strong>Additional services beyond the basics:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>HR<\/li>\n\n\n\n<li>Legal advice<\/li>\n\n\n\n<li>Advice on well-being and insurance<\/li>\n\n\n\n<li>Coaching and training<\/li>\n<\/ul>\n\n\n\n<p>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>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><strong>Admin fees: 4.05%<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Xerius<\/h3>\n\n\n\n<p>As a social insurance fund, <a 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><strong>Additional services beyond the basics:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Advice for starters<\/li>\n\n\n\n<li>Pensions for the self-employed<\/li>\n\n\n\n<li>Insurance<\/li>\n\n\n\n<li>Advice on mental well-being<\/li>\n\n\n\n<li>Training<\/li>\n<\/ul>\n\n\n\n<p>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><strong>Admin fees: 3.05%<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Comparison of admin fees across social insurance funds<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><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><em>Admin fees in 2025<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How to change social insurance funds<\/h2>\n\n\n\n<p>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>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\">\n<li>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>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>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><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><a 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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