Skip to main content

From July 13 to August 15, the Berlaar office will close at 5 PM instead of 5:30 PM

Check our opening hours
Back
My company
Back
My employees
Back
Myself
Back
My sector

Solutions

Pension accrual

As a self-employed person, you are largely responsible for building up your own pension. The statutory pension is often insufficient to maintain your standard of living after your working career. With an additional pension plan, you can build targeted capital for the future and often already benefit from attractive tax advantages today. 

ondernemingen - IPL

What does this insurance cluster entail?

Pension accrual for self-employed individuals includes various solutions that allow you to build up an additional pension during your active career, on top of your statutory pension. 

For many self-employed persons, business owners, and professionals, this is an essential part of their financial planning. Not only does a supplementary pension provide extra financial security later in life, but it often also offers important tax advantages during the accrual phase. 

Depending on your status, professional situation, and future plans, various pension solutions are possible. Some options focus exclusively on pension accrual, while others also offer protection in the event of death or disability. 

At Van Dessel, we examine your overall financial situation and help you develop a pension strategy that matches your income, your tax options, and your personal objectives. 

Our solutions

Which insurance solutions do we offer within this line of insurance?

Private supplementary pension for the self-employed (PSPSE)

Build supplementary pension savings as a self-employed professional with a PSPSE (Private…

Individual pension commitment (IPC)

Build supplementary pension savings as a company director through an Individual Pension Commitment …

Pension savings

Build supplementary pension savings with a pension savings plan and benefit from valuable tax…

Long-term saving

Build additional capital with long-term savings and enjoy tax benefits. Discover how you can save…

Pension agreement for the self-employed (PASE)

Build supplementary pension savings as a self-employed professional without a company through a…

Investment insurance

Discover how investment insurance combines wealth accumulation, flexibility and long-term wealth…

Our promise to you

Personal & involved

a tailor-made partner

We start from your specific situation and take the time to thoroughly understand your risks, needs, and objectives. This way, you receive advice and guidance tailored to your business and everyday practice.

Expertise & experience

already 80 years in insurance

Thanks to our years of experience, we analyze your risks and insurance needs with a broad perspective. We provide a well-thought-out approach, clear solutions, and the right protection for your business.

Customization & innovation

beyond standard insurance

No standard formulas, but solutions tailored to your activities and challenges. From analysis and implementation to support in case of claims: we provide an approach that works in practice.

Would you like to receive a quote?

Would you like to know how much supplementary pension you can build up or which plan best suits your situation? 

Contact our specialists for personal advice or request a no-obligation quote. Together, we will look at how you can best prepare for your financial future. 

Insights for entrepreneurs

beurs
10 June 2025 4 min.

Stock market volatility: Our vision and advice

Currently, there is panic in the stock market. The best thing you can do as an investor is to stay…
Impact van de nieuwe 80%-regel op uw pensioenopbouw via IPT
04 November 2022 3 min.

What does the new 80% rule mean for the supplementary pension you, as a…

If, as a self-employed entrepreneur, you save for an additional pension through an IPT, you should…
Vastgoedfinanciering via de tweede pensioenpijler
19 April 2022 3 min.

Financing real estate through your supplementary pension

To finance the purchase or renovation of real estate, you probably immediately think of a…
fiscale bedragen
10 March 2022 2 min.

The maximum amounts for your tax-advantaged life insurances in 2022

Are you saving for a supplementary pension through tax-efficient solutions such as pension savings,…

Need help? Contact us.

Didn't find the answer to your question, or would you like to discuss your situation with a specialist? Our colleagues are happy to help you.

Prefer faster help? Check out our frequently asked questions.

How do I, as a self-employed person, build up supplementary pension?

This can be done through various solutions such as a PLCI, EIP, CIPA, or life insurance. Which option is most beneficial depends on your status and financial situation. 

What is the difference between a VAPZ and an IPT?

A VAPZ is intended for the self-employed and offers fiscal and social advantages. An IPT is arranged through a company and often allows for higher pension accrual for company directors. 

How much supplementary pension am I allowed to accrue?

That depends on several factors such as your income, status, and existing pension reserves. Certain legal rules, such as the 80% rule, determine the maximum accrual.

Can I use my supplementary pension for real estate?

Yes. Various pension solutions offer options to finance real estate projects through an advance or by pledging collateral. 

When is the best time to start building up a pension?

The earlier you start, the more time your capital has to grow. Starting early generally results in a higher pension reserve and more flexibility in your financial planning.