We advise Belgian-resident clients on a cross-border basis, from Brussels to Antwerp to Ghent, without you needing to travel to an office. Your UK and Belgian affairs, coordinated as one plan.
Brussels draws the EU institutions, NATO and over 1,500 international organisations, alongside multinationals and inbound professionals on the special expat regime. Affluent, mobile and often UK-connected — and rarely served by advice that joins up both systems. That overlap is our specialism.
The questions internationally mobile clients in Belgium actually ask — each links to a plain-English guide. General information, not personal advice.
A 10% tax on financial-asset gains applies from 2026, ending decades of exemption. Your 31 December 2025 values protect historic gains.
The BBIB regime gives qualifying inbound professionals a 35% tax-free allowance — and needs planning for the surplus, and the cliff when it ends.
Transferring to a QROPS now generally triggers a 25% charge. The real plan: retain the SIPP and manage the Belgian taxation of drawdown.
UK-situated assets stay within UK inheritance tax whatever your residence — and it interacts with Belgian succession law.
The 30% withholding on income and the tax on securities accounts mean how and where you hold assets changes the outcome.
Belgian forced heirship reserves shares for close family, and regional inheritance tax runs from roughly 3% to 30%. Cross-border wills matter.
Mapped to the real interactions between the UK and Belgian systems — and delivered alongside your Belgian tax and legal advisers.
A resilient, goals-based portfolio for an internationally mobile investor, under ACM Europe’s MiFID permissions.
Fixing your 31 December 2025 values, structuring the portfolio, and planning disposals around the exemption.
Putting the surplus to work while you’re on the BBIB regime — and planning for the day it ends.
Retaining and restructuring the UK SIPP, and planning how drawdown is taxed in Belgium — not a reflexive QROPS transfer.
Coordinating UK inheritance tax on your UK assets with Belgian forced heirship and regional inheritance tax.
An honest review of legacy offshore bonds and QROPS — the products the incumbent expat firms tend to lead with.
Answer a short set of questions and get your Alto Resilience Score across the areas that matter most for Belgium-based clients — tax exposure, currency, income security and succession.
Get your Resilience ScoreAdvice to Belgian-resident clients would be delivered by ACM Europe advisers on a cross-border basis. One or two named advisers to be confirmed. Bios, photos and designations to be added before publish.
Cross-border planning for Belgium-resident clients. [Placeholder — named adviser(s) to be confirmed; Pavel an option. VERIFY]
UK-side exit and IHT planning supporting the Belgian proposition, via Alto Private Clients (FCA).
We work alongside your Belgian tax and legal advisers — co-advisory, not paid introduction. VERIFY · Chloe
Practical, plain-English guides for internationally mobile clients in Belgium. General information, not personal advice.
The financial checklist for your relocation.
The exit-planning companion — publishable now under Alto/FCA.
A UK couple, one on a multinational secondment in the EU district, with UK pensions, an investment portfolio and a London flat still owned — and a portfolio newly exposed to Belgium’s 2026 capital gains tax.
We fixed their 31 December 2025 values to protect historic gains, restructured the portfolio for the new regime, retained and reorganised the UK SIPP rather than transferring it, and mapped which assets — the London flat in particular — stayed within the UK inheritance-tax net. Their wills were reviewed against Belgian forced heirship, working with their Belgian notaire.
The outcome they valued most: one plan across both countries, with the new Belgian tax handled before it cost them.
Illustrative scenario, not a specific client, and not a testimonial or recommendation. Individual circumstances differ and outcomes are not guaranteed. Capital is at risk. Pending compliance review. VERIFY · Chloe
Finance Hub, Avenida Príncipe de Asturias, Jávea (Xàbia), Alicante, Spain
Start with the guides and your Resilience Score — no obligation.
Important information.
For clients resident in Belgium, advice would be provided by ACM Europe Limited, regulated by the MFSA (C 26673), on a cross-border basis under a MiFID Article 34 passport. This page is prepared in draft pending that passport notification to the FSMA and French/Dutch-language financial-promotion compliance, and is not a financial promotion for issue in Belgium until those are in place. VERIFY · Chloe + Belgian counsel
Nothing here is personal financial, tax or legal advice. Belgian and UK tax, pension and succession rules are complex and change frequently; figures shown are illustrative and must be verified for your circumstances. The value of investments can fall as well as rise and you may get back less than you invested.
UK-side exit and inheritance-tax planning referenced on this page is provided by Alto Private Clients, a trading name of ARIA Private Clients Ltd, authorised and regulated by the FCA (FRN 527557). The Belgian and UK propositions are delivered by legally distinct entities.
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