{"id":8737,"date":"2023-12-21T09:12:49","date_gmt":"2023-12-21T08:12:49","guid":{"rendered":"https:\/\/prod-migration-second.local\/?p=8737"},"modified":"2025-02-06T10:36:44","modified_gmt":"2025-02-06T09:36:44","slug":"tax-on-cryptocurrencies-belgium","status":"publish","type":"post","link":"https:\/\/www.accountable.eu\/en-be\/blog\/tax-on-cryptocurrencies-belgium\/","title":{"rendered":"Are cryptocurrencies taxed in Belgium?"},"content":{"rendered":"\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\"><strong>Cryptocurrencies are on the rise. Terms like Bitcoin or Ethereum are not as exotic as they were a few years ago, and investing in crypto is increasingly common. But how do these digital currencies work exactly, and do you have to pay taxes on them? Find out what you need to do with cryptocurrencies in your tax return.<\/strong><\/p>\n\n\n\n<h2 id=\"what-are-cryptocurrencies\" class=\"wp-block-heading font-degular scroll-mt-32\"><strong>What are cryptocurrencies?<\/strong><\/h2>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">You&#8217;ve probably heard of Bitcoin. That&#8217;s an example of a cryptocurrency. Cryptocurrencies or cryptocurrency are a digital and entirely virtual currency. They work with cryptographic, encrypted codes. These codes change with every transaction. Cryptocurrencies have a virtual value that can vary greatly.<\/p>\n\n\n\n<h2 id=\"do-you-have-to-pay-taxes-on-cryptocurrencies\" class=\"wp-block-heading font-degular scroll-mt-32\"><strong>Do you have to pay taxes on cryptocurrencies?<\/strong><\/h2>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">Do you own cryptocurrencies without converting them to fiat currencies, e.g. euros, dollars, etc., or do you use crypto for buying things? <strong>Until 2025, these transactions were not subject to taxation in Belgium.<\/strong><\/p>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">However, we have some less favourable news: <strong>in the <a class=\"font-inter text-purple underline underline-offset-1\" href=\"https:\/\/www.accountable.eu\/en-be\/blog\/what-to-expect-from-the-new-belgian-government-as-a-self-employed-2025-update\/\">federal government agreement for 2025-2029<\/a>, announced at the end of January, it was confirmed that a general capital gains tax of 10% will be introduced. This will also apply to crypto assets.<\/strong><\/p>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">Here\u2019s what we know so far:<\/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\">A 10% tax on crypto gains will be implemented unless they fall under a professional status.<\/li>\n<\/ul>\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\">Stricter oversight of crypto transactions will be introduced: accounts must be declared to the Central Contact Point (CCP) of the National Bank of Belgium, and the tax authorities will have increased access to crypto transactions to combat fraud.<\/li>\n<\/ul>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">\u26a0\ufe0f <strong>The capital gains tax has not yet been implemented. We will keep you informed as soon as it comes into effect.<\/strong><\/p>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">If you are currently making profits from your crypto investments, there are 3 possible scenarios:<\/p>\n\n\n\n<h3 id=\"scenario-1-youre-an-amateur-trader\" class=\"wp-block-heading font-degular scroll-mt-32\"><strong>Scenario 1: You&#8217;re an amateur trader<\/strong><\/h3>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">If you invest in crypto according to the principles of a \u2018prudent investor\u2019, then <strong>your digital investments are exempt from taxes<\/strong>. The tax authorities consider you an amateur. This is the case if, for example:<\/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\">you invest in crypto as a hobby<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">you make long-term investments, i.e. you buy cryptocurrencies and keep them for a long time<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">you take few risks, for example, by spreading your investments, and not taking out loans to invest in crypto<\/li>\n<\/ul>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\"><br>What if your digital coins increase in value over time? Then you don&#8217;t need to declare those value increases. You don&#8217;t have to pay VAT on crypto transactions either.<\/p>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">\u26a0\ufe0f Warning: If you convert your cryptocurrencies into fiat currencies in this scenario, you must declare the capital gain (i.e. the difference between the purchase price and the selling price) in your tax return under <strong>\u2018miscellaneous income\u2019 and pay 33% income tax<\/strong> on it.<\/p>\n\n\n\n<h3 id=\"scenario-2-youre-a-private-trader\" class=\"wp-block-heading font-degular scroll-mt-32\"><strong>Scenario 2: You&#8217;re a private trader<\/strong><\/h3>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">From the tax authorities\u2019 perspective, you&#8217;re no longer an amateur if you:<\/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\">take risks with your crypto investments<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">regularly buy and sell and play on heavy price fluctuations<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">want to make your investments profitable in the short term<\/li>\n<\/ul>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\"><br>In those cases, the government considers you a private trader. <strong>You must then declare the crypto profits in your tax return as \u2018miscellaneous income\u2019.<\/strong> On these profits, you pay <strong>33% in income tax<\/strong> to the tax office.<\/p>\n\n\n\n<h3 id=\"scenario-3-youre-a-professional-trader\" class=\"wp-block-heading font-degular scroll-mt-32\"><strong>Scenario 3: You&#8217;re a professional trader<\/strong><\/h3>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">Is trading cryptocurrencies your (main) job? Then you must follow the rules for a <strong>sole proprietorship<\/strong>: you declare your crypto income in your <strong>personal income tax declaration<\/strong>. The usual progressive tax rates then apply to your annual net income, ranging between 25% and 50%. A few examples:<\/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\">For income under \u20ac15,200 per year, you pay 25% in income tax.<\/li>\n\n\n\n<li class=\"font-inter text-base text-black\">For income over \u20ac46,440 per year, you pay 50% in income tax.<\/li>\n<\/ul>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\"><br>\u26a0\ufe0f Warning: As a professional trader, you must also meet the other obligations self-employed people have, for example, joining a social security fund and paying social contributions.<\/p>\n\n\n\n<h2 id=\"tax-rules-around-crypto-are-not-set-in-stone\" class=\"wp-block-heading font-degular scroll-mt-32\"><strong>Tax rules around crypto are not set in stone<\/strong><\/h2>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\"><strong>The above rules are not always clear-cut.<\/strong> The Belgian government looks at each case individually, taking into account the full picture. They consider your intentions, the types of investments you make, and the risks you take.<\/p>\n\n\n\n<h2 id=\"need-help-with-your-tax-return\" class=\"wp-block-heading font-degular scroll-mt-32\"><strong>Need help with your tax return?<\/strong><\/h2>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\">Not sure where to declare your crypto profits in your tax return? Accountable helps you correctly complete your declaration in a few clicks. <\/p>\n\n\n\n<h2 id=\"faq-frequently-asked-questions-about-cryptocurrencies-in-belgium\" class=\"wp-block-heading font-degular scroll-mt-32\"><strong>FAQ: Frequently asked questions about cryptocurrencies in Belgium<\/strong><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section mb-6\" id=\"faq-question-1703145705615\"><h3 class=\"font-degular scroll-mt-32\"><strong>Do you have to pay taxes on crypto in Belgium?<\/h3><\/strong> <p class=\"schema-faq-answer font-inter text-base leading-relaxed mb-4 text-black\">You don&#8217;t pay taxes on owning cryptocurrencies or when you use crypto as a payment method. Also, amateur traders who invest in crypto as a hobby or long-term investment, in principle, don&#8217;t pay taxes on crypto. But when you make a profit as a private or professional trader from buying and selling crypto, you do have to pay taxes. Note that in 2025 a capital gains tax will be introduced.<\/p> <\/div> <div class=\"schema-faq-section mb-6\" id=\"faq-question-1703145721777\"><h3 class=\"font-degular scroll-mt-32\"><strong>How much crypto can you have tax-free in Belgium?<\/h3><\/strong> <p class=\"schema-faq-answer font-inter text-base leading-relaxed mb-4 text-black\">You can own as much crypto as you want, tax-free. Taxes are only levied from the moment your crypto regularly generates a profit. As a private trader, you\u2019re taxed at a rate of 33%, while as a professional trader, depending on whether you have a sole proprietorship or a company, you\u2019re taxed according to the progressive income tax brackets (25-50%) or corporate tax (20-25%). Note that in 2025 a capital gains tax will be introduced.<\/p> <\/div> <div class=\"schema-faq-section mb-6\" id=\"faq-question-1703145742653\"><h3 class=\"font-degular scroll-mt-32\"><strong>Do the Belgian tax authorities know you have crypto?<\/h3><\/strong> <p class=\"schema-faq-answer font-inter text-base leading-relaxed mb-4 text-black\">The tax authorities have no insight into your crypto portfolio. You can therefore own as much crypto as you want. But if you suddenly start trading a lot and make a substantial profit, the tax authorities will of course notice the increase in wealth. As a private or professional trader, you must also declare your profits from crypto to the tax authorities. Note that this may change in 2025.<\/p> <\/div> <div class=\"schema-faq-section mb-6\" id=\"faq-question-1703145758680\"><h3 class=\"font-degular scroll-mt-32\"><strong>What if I don&#8217;t declare my crypto to the tax authorities?<\/h3><\/strong> <p class=\"schema-faq-answer font-inter text-base leading-relaxed mb-4 text-black\">If you regularly make a profit by trading crypto, you are obliged to declare this to the tax authorities. In Belgium, any form of regular income is taxed.<\/p> <\/div> <\/div>\n\n\n\n<p class=\"font-inter text-base leading-relaxed mb-4 first-of-type:mt-0 text-black\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Cryptocurrencies are on the rise. Terms like Bitcoin or Ethereum are not as exotic as they were a few years ago, and investing in crypto is increasingly common. But how do these digital currencies work exactly, and do you have to pay taxes on them? Find out what you need to do with cryptocurrencies in [&hellip;]<\/p>\n","protected":false},"author":24,"featured_media":3943,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[280,269,272,274],"tags":[247,256,261],"class_list":["post-8737","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-humans-of-accountable-3","category-important-things-to-know","category-taxes","category-complementary","tag-become-self-employed","tag-secondary-occupation","tag-taxes"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Are cryptocurrencies taxed in Belgium? - Accountable<\/title>\n<meta name=\"description\" content=\"Cryptocurrencies are on the rise, but do you have to pay taxes on them? 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Also, amateur traders who invest in crypto as a hobby or long-term investment, in principle, don't pay taxes on crypto. But when you make a profit as a private or professional trader from buying and selling crypto, you do have to pay taxes. Note that in 2025 a capital gains tax will be introduced.","inLanguage":"en-BE"},"inLanguage":"en-BE"},{"@type":"Question","@id":"https:\/\/www.accountable.eu\/en-be\/blog\/tax-on-cryptocurrencies-belgium\/#faq-question-1703145721777","position":2,"url":"https:\/\/www.accountable.eu\/en-be\/blog\/tax-on-cryptocurrencies-belgium\/#faq-question-1703145721777","name":"How much crypto can you have tax-free in Belgium?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"You can own as much crypto as you want, tax-free. Taxes are only levied from the moment your crypto regularly generates a profit. As a private trader, you\u2019re taxed at a rate of 33%, while as a professional trader, depending on whether you have a sole proprietorship or a company, you\u2019re taxed according to the progressive income tax brackets (25-50%) or corporate tax (20-25%). Note that in 2025 a capital gains tax will be introduced.","inLanguage":"en-BE"},"inLanguage":"en-BE"},{"@type":"Question","@id":"https:\/\/www.accountable.eu\/en-be\/blog\/tax-on-cryptocurrencies-belgium\/#faq-question-1703145742653","position":3,"url":"https:\/\/www.accountable.eu\/en-be\/blog\/tax-on-cryptocurrencies-belgium\/#faq-question-1703145742653","name":"Do the Belgian tax authorities know you have crypto?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"The tax authorities have no insight into your crypto portfolio. You can therefore own as much crypto as you want. But if you suddenly start trading a lot and make a substantial profit, the tax authorities will of course notice the increase in wealth. 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