Your Belgian investment taxes, computed and declaration-ready.
Upload your broker exports. Belfolio consolidates your realized gains, applies the 31/12/2025 step-up value and the €10,000 exemption, and gives you the figures to report in your tax return.
- No account needed
- No tax knowledge needed
- Your file is never stored
Brokers supported today
- Interactive Brokersyou file it yourself
- MEXEMyou file it yourself
- LYNXyou file it yourself
- DEGIROyou file it yourself
- Trade Republicyou file it yourself
- BUXyou file it yourself
- Revolutyou file it yourself
- Lightyearyou file it yourself
- Bitvavoyou file it yourself
- Krakenyou file it yourself
- Coinbaseyou file it yourself
- Binanceyou file it yourself
- Bitpandayou file it yourself
- Freedom24you file it yourself
- eToroyou file it yourself
Bolero, Keytrade and Saxo follow. An unrecognised export tells you exactly which columns we found.
How it works
Three steps. The middle one is where this differs from a calculator.
Upload your export
One file per broker, going back to your first purchase. No account, no bank connection.
Computed, with the source shown
The 31/12/2025 value, the annual exemption and the ten-year rule, parcel by parcel — each line naming the rule that chose it.
Declaration-ready
The amounts to report, the reasoning behind each one, and your TOB deadlines.
- 10%
- Belgian rate on gains realized from 1 January 2026.
- €10,000
- Annual exemption per taxpayer — reclaimable only through your tax return.
- €50 / week
- Late TOB filing fine (capped at €2,600), plus 7% interest per year.
The calculation
The three rules nobody gets right by hand.
Every figure is computed parcel by parcel, with the line that produced it shown alongside.
For anything bought before 2026, your taxable base is the last closing price of 2025 — not what you paid. On a long-held position the gap is large, and it works in your favour.
The annual exemption and your loss offsets exist only through the tax return. We compute what is actually owed, and what is reclaimable from each broker.
If your broker does not withhold the stock exchange tax, we group your trades by period and show the payment deadline, public holidays included.
The difference
A number you can defend.
You sign the return. So you have to be able to explain every amount on it.
Itemised
Every amount is itemised
For each sale: purchase date, quantity, the acquisition value used and the rule that chose it. Totals are exactly the sum of the lines shown.
Privacy
No bank connections
Your file is parsed during the request and never saved. No account, no storage, no access to your accounts.
Languages
FR, NL and EN
The whole application and every guide exists in all three languages — including DEGIRO exports, whose column headers change with your interface language.
Every amount is itemised
For each sale: purchase date, quantity, the acquisition value used and the rule that chose it. Totals are exactly the sum of the lines shown.
No bank connections
Your file is parsed during the request and never saved. No account, no storage, no access to your accounts.
FR, NL and EN
The whole application and every guide exists in all three languages — including DEGIRO exports, whose column headers change with your interface language.
How this gets settled today
Four ways, on the four things that actually differ between them. No scores, and no figure we cannot point at.
| What is being compared | Doing it yourself | An accountant | Your bank or broker | Belfolio |
|---|---|---|---|---|
| What is left for you to do | Rebuild each parcel history yourself, one broker at a time.a | Collect and hand over every export; they compute from what they receive.a | Nothing, for the accounts they hold.b | Upload one export per broker.c |
| What it costs | Your own hours.a | Their fee. We publish no figure we cannot source.d | Part of holding the account.a | The on-screen calculation is free and needs no account.c |
| Which accounts it covers | Every account you hold, once you have netted them yourself.a | Whatever you hand over.a | Only the accounts held there.b | Every broker export we can read, netted per taxpayer.c |
| What you can show | Your own working.a | Their working, on request.a | A total per account on a certificate.b | Each amount itemised per parcel, with the rule and the source that produced it.c |
- a
- Follows from the arrangement itself — who holds the account, and who signs the return.
- b
- A Belgian official text, or a rule this site records as confirmed.
- c
- A feature that exists in this application today.
- d
- We have no sourced figure for this, and do not publish one we cannot defend.
Checkable
What you can verify before uploading anything
Each one is tied to something shipped that you can go and check, rather than asking to be taken on trust.
Built in Belgium
For the Belgian rules, each one written down against its legal basis — including the questions still open.
Export or delete, yourself
An account holder exports everything, or deletes everything, from their own settings. There is no request to make of us.
Encrypted at rest
Financial and personal columns are encrypted in the database, not only in transit.
EU only
Hosting and storage stay in the EU, and a statement uploaded to the public calculator is parsed during the request rather than kept.
No paid placement
No broker pays to appear, to be ordered a certain way, or to have a cell say yes. Where an affiliate link exists it is disclosed and changes nothing on the page.
Every figure carries its source
With the date it was checked — and a rule we have not settled is shown as unsettled rather than as a confident number.
French, Dutch and English
The whole product, not just the landing page: guides, simulators and the calculator, each language on its own address.
See your figures in three minutes.
The on-screen result is free and needs no account.
Check whether this applies to meFrequently asked questions
Answers come from the official texts and the sources listed on our methodology page.
- Does the capital gains tax apply to me?
- It applies to gains realized from 1 January 2026 on financial assets: shares, ETFs, bonds, funds, derivatives and crypto.
- My broker already withholds the tax. Do I still have to file?
- Yes, if you want anything back. The €10,000 exemption and your loss offsets exist only through the tax return — your broker does not know your overall position.
- What happens to shares I bought before 2026?
- The acquisition value used is the last closing price of 2025, not what you paid. Your actual purchase price may be used instead if it is higher and evidenced, until 31 December 2030.
- How does the €10,000 exemption work?
- Once per taxpayer per year across all brokers — not once per account. If a broker withheld tax while the exemption covered your gain, the difference is reclaimable.
- What if I use several brokers?
- That is exactly the case Belfolio is built for. No broker sees your trades elsewhere, and gains and losses are netted at the level of the taxpayer.
- Can Belfolio read my broker's export?
- Yes — upload the CSV your broker lets you download. DEGIRO, Interactive Brokers (including LYNX and MEXEM exports), Trade Republic, Revolut and BUX are read today, and the format is detected for you. The coverage page keeps the current list.
- Does Belfolio handle the stock exchange tax (TOB) too?
- Yes. Each transaction gets the rate its instrument calls for — 0.12%, 0.35% or 1.32% — with the per-transaction caps applied, and the monthly total lands on a sheet laid out like the official declaration (form 120-TA-2025), free on the calculator.
- Is Belfolio just a calculator?
- The calculator is the free part that needs no account. With one, Belfolio keeps your positions and lots across imports, applies the 31 December 2025 value per lot, and prepares the annual summary and audit trail you file from.
- What happens to my file?
- It is parsed during the request and never written to disk. The public calculator asks for no account and no email address — that is only needed for the PDF summary.
Tax guides for Belgian investors
Answers to the questions Belgian investors actually ask about capital gains tax, TOB and dividends.
A Belgian investor's tax glossary: the terms explained
TOB, withholding tax, step-up, FBB/QFIE, FIFO, KID, FSMA registration, bordereau — the recurring Belgian tax terms an investor meets, each defined in plain language and linked to the guide that uses it.
4 Sept 2026
Interactive Brokers and Belgian taxes: which export to import, and what follows
Interactive Brokers withholds no tax for a Belgian resident — stock-exchange tax, dividend withholding and capital-gains tax all land with you. Which export you need, why naming your broker matters, and what the import produces.
3 Sept 2026
The Reynders tax was not abolished: how it stacks with the capital gains tax
The Reynders tax — 30% on the interest component of funds holding more than 10% debt claims — was widely declared dead in 2025, but the law of 6 April 2026 kept it. How the two taxes combine, with a worked example following the circular.
3 Sept 2026