The clearer your view of your pension savings, the easier it is to understand where you stand today and which choices may still matter for the future. This overall picture is particularly valuable if your career spans different professional statuses or supplementary pension plans.
"}},{"componentType":"sectionTitle","title":"Your pension information is becoming more transparent"},{"componentType":"paragraph","richBody":{"value":"As an entrepreneur or self-employed professional, you are building your business today while also preparing for your financial future. The choices you make now therefore affect what you build up for later, but the latter does not always happen through a single arrangement: your supplementary pension entitlements may be spread across a Supplementary Pension for the Self-Employed (FSPSE)¹, a Pension Agreement for the Self-Employed (PASE)², an Individual Pension Commitment (IPC)³, group insurance or a pension plan from a previous professional activity.
Precisely because these entitlements may be spread across different periods and arrangements, having a complete overview matters. mypension.be brings this information together in one place. There you can find information about your statutory pension and an overview of the supplementary pension plans you are affiliated with as an employee or self-employed professional, including plans from previous professional activities. Sigedis is one of the organisations behind this overview. This public body manages DB2P, the central database in which data on supplementary pensions is collected.
From 2026, information on supplementary pensions will also be further standardised in a uniform pension statement. While mypension.be already gives you access to the different registered plans and amounts, the uniform statement is intended to present pension information in a more consistent and comparable way. This should make it easier to compare information from different plans and understand your total supplementary pension savings.
That transparency makes it easier to understand your pension savings, but an overview is only truly useful if the information it is based on matches your actual situation.
"}},{"componentType":"highlight","richBody":{"value":""},"title":"Want to know what else is changing for supplementary pensions for the self-employed in 2026?"},{"componentType":"sectionTitle","title":"A reliable overview starts with accurate data"},{"componentType":"paragraph","richBody":{"value":"Your professional situation can change significantly over the years. You may move from employment to self-employment, set up a company or change your remuneration.
These changes can directly affect your supplementary pension savings. For certain pension arrangements, for example, the 80% rule plays a role. It determines how much supplementary pension can be built up on a tax-efficient basis.
Following the reform of this rule, the maximum pension build-up is increasingly based on actual career data and pension entitlements already accrued. This makes the calculation more transparent and objective, while also making accurate and up-to-date information more important than ever.
The exact calculation also depends on your status. For a self-employed company director, for example, the normal gross annual remuneration is taken into account, while different parameters apply to a self-employed person operating as a sole trader.
The more closely your data reflects your actual situation, the more reliable the picture of what you may still be able to build up through a supplementary pension.
"}},{"componentType":"paragraph","richBody":{"value":"Most of your pension data is supplied automatically by official bodies and pension institutions. Even so, it is worth checking regularly that your overview is complete and correct. The Federal Pensions Service explicitly recommends this too.
Make it a habit to review your pension overview at least once a year, for example as part of your year-end planning. Check it again whenever your professional situation changes, such as when you switch status, set up a company or change your remuneration.
At a minimum, check the following:
Spotted a discrepancy? You cannot always change the information yourself directly via mypension.be. What to do depends on the type of information:
In short: check your data yourself, but have any errors corrected at the right source. This helps keep the pension overview you use for future decisions as reliable as possible.
"},"title":"Self-employed? Here is how to have your data corrected"},{"componentType":"sectionTitle","title":"Make your pension savings part of your year-end planning"},{"componentType":"paragraph","richBody":{"value":"Your pension overview helps you assess your situation properly before making other financial decisions. You can see what you have already built up, which plans are active and whether the data used for further calculations is still up to date.
That is why it makes sense to review your pension early in your year-end planning. Once you know how much room you may still have for supplementary pension contributions, you can better assess what this means for your tax obligations and how much financial headroom you want to keep for investments or other plans.
This way, you consider your pension savings as part of your wider financial planning rather than in isolation. A correct and up-to-date overview gives you a stronger starting point for the decisions that follow.
"}},{"componentType":"highlight","richBody":{"value":"Year-end is the ideal time to look at your pension position, tax situation and financing together. That way, you can make choices that may benefit you today while creating room for your personal future and the future of your business.
Find out how ING can help with your pension insurance and financing solutions for your business.
"},"title":"Take a moment today to plan for tomorrow"}]},"hasMacro":false,"id":"2f931d44-4e41-4cb6-b199-37bfd4150358","legalZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"General
This article is for information purposes only and the information it contains may change over time. For the most up-to-date information, we recommend checking the applicable rules and requirements with the competent authorities. In addition, we recommend seeking professional advice based on your individual circumstances before making a decision. ING Belgium SA cannot be held liable for decisions made on the basis of the information provided.
Credits are reserved for natural persons and legal entities and are intended solely for professional purposes. This offer is valid subject to acceptance of your application by ING Belgium and mutual agreement. The general terms and conditions for ING credits are available at all ING branches and on www.ing.be.
Per product – general
The insurance products ¹FSPSE (Free Supplementary Pension for the Self-Employed), ²IPC (Individual Pension Commitment) and ³PASE (Pension Agreement for the Self-Employed) are governed by Belgian law and are offered subject to acceptance by:
Insurance intermediary: ING Belgium NV, insurance broker, registered with the Belgian Financial Services and Markets Authority (FSMA) under code number 0403200393. Registered office: Avenue Marnix 24, B-1000 Brussels, Belgium - Brussels Company Register - VAT BE 0403.200.393 - www.ing.be - BIC: BBRUBEBB - IBAN: BE45 3109 1560 2789.
The French insurer AXA Belgium SA, insurance company authorised under number 0039 to to practice the branches of life and non-life (RD 04/07/1979, BS 14/07/1979) at the National Bank of Belgium, Boulevard de Berlaimont 14, B-1000 Brussels. Headquarters: Place du Trône 1, B-1000 Brussels (Belgium) - Website: www.axa.be - Tel.: +32 2 678 61 11 - Fax: +32 2 678 93 40 - Company number: VAT BE 0404.483.367 - Brussels Company Register - 0616.
Insurance policies and conflicts of interest: general information on insurance policies and a description of the conflicts of interest policy, including benefits, can be found:
Not entirely satisfied with the distribution of this product? You can contact our complaints service and the Ombudsman. Contact us via your ING Banking app or Business'Bank, or call +32 2 464 64 03, Monday to Friday from 8:30 a.m. to 12:30 p.m. and from 1:30 p.m. to 5:00 p.m. Further information can be found under "How do I file a complaint?". Not entirely satisfied with your AXA product? Contact AXA online at customer.protection@axa.be.
Per product – specific information
¹The FSPSE insurance product (Free Supplementary Pension for the Self-Employed) is a smart way for self-employed professionals in Belgium to build up additional pension reserves in a highly tax-efficient manner. By contributing regularly, you strengthen your financial reserves for the future while reducing your taxable income today. With our FSPSE solution, you save at your own pace while benefiting from a guaranteed basic return, potentially supplemented by profit sharing. This provides long-term stability without unnecessary complexity. A FSPSE not only increases your future pension income but also offers immediate tax advantages and favourable taxation when your pension capital is paid out. A simple and accessible way to enhance your financial peace of mind, both now and in the years to come.
This product can be subscribed online, if you are already a customer. Request your FSPSE here. Not yet a customer? Take the necessary steps here.
The minimum contract term is five years. Contributions can be paid until the statutory retirement age, or longer if you continue working and paying social security contributions as a self-employed person in a primary occupation.
The insurance does not pay out in certain circumstances. No benefit will be paid if your death results from:
This list is not exhaustive. Please read The Financial Information Document (FR) and the Terms and Conditions (FR) before subscribing.
The entry fee is up to 4% of each premium payment and a fixed management fee of €1.50 per month applies. Premium tax amounts to 0% for life and death cover and 9.25% for disability cover. The maximum contributions for 2026 are €4,086.34 per year for a standard FSPSE and €4,701.54 per year for a social FSPSE (including additional social cover). The premium includes costs and taxes.
²The PASE insurance product (Pension Agreement for the Self-Employed) is a tax-friendly solution that increases your supplementary pension and therefore your total pension. It is only available to self-employed persons, assisting spouses or self-employed helpers without a company.
You can subscribe for a PASE online if you are already a customer. Request it here. If your're not yet a customer? Follow the steps here. The contract term is at least five years. It ends when you retire.
The benefit is paid upon retirement of the insured person, if the insured person is alive on the maturity date and not yet retired, or upon the death of the insured person before retirement.
No benefit is payable in the following circumstances:
Please read The Financial Information Document (FR) and the Terms and Conditions (FR) before subscribing and contact us to learn more about guarantees, exclusions and costs.
An entry fee of up to 4% applies to the premium. A monthly management fee of €2 applies to the Secure component (Branch 21); a management fee is charged on the net asset value of the internal investment funds and is defined in the management regulations of the investment funds for the Invest component (Branch 23); the mixed component combines both management fees. A premium tax of 4.4% also applies. The premium includes costs and taxes.
³The IPC insurance product (Individual Pension Commitment) is a life insurance contract that enables self-employed company directors to build up supplementary pension benefits through their company. This is available to:
This product can be subscribed online, if you are already a customer. Request your IPC here. Not yet a customer? Take the necessary steps here.
The minimum contract term is five years. Pension capital becomes available when the affiliated person retires or if the affiliated person dies before retirement. The minimum annual contribution is €500.
An IPC offers smart financial advantages both for your company and for the personal future of its company director, combining tax efficiency with flexibility and long-term security. Read the Financial Information Document (FR) and Terms and Conditions (FR) before subscribing.
The insurance does not pay out if your death results from:
For the complete list of guarantees, exclusions and costs, please read the Financial Information Document (FR) and Terms and Conditions (FR).
The entry fee is up to 4% of each premium payment. Management fees depend on the formula chosen:
The taxes applicable to an IPC are a premium tax of 4.4% for life and death cover and 9.25% for disability cover. The premium includes costs and taxes.
"},"title":"Disclaimers"}]},"localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Insurance","url":"/en/business/insurance"}},"componentType":"editorialHeader","coreHeader":{"body":"Your pension savings are built up throughout the different stages of your career: as an employee, as a self-employed professional or through your company. Over the years, you build up pension entitlements for both your statutory and supplementary pension. Therefore, knowing what you have already built up helps you plan ahead.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/asset/9b5d9634-2cf1-4208-bdb9-94f300d894c2/Artikel-Hoe-goed-ken-jij-je-pensioenopbouw-vandaag.jpg","publishedAt":"2026-10-13T10:13:18Z","transformBaseUrl":"https://assets.ing.com/transform/9b5d9634-2cf1-4208-bdb9-94f300d894c2/Artikel-Hoe-goed-ken-jij-je-pensioenopbouw-vandaag","type":"image","updatedAt":"2026-10-13T10:13:52Z","width":1920},"title":"Do you know what your pension savings actually look like today?"},"date":"2026-10-14","readingTime":5},"publishDate":"2026-10-14T10:47:14.908+02:00"}}