As a business owner, it’s only natural that you want to maintain a financial buffer especially in times of economic uncertainty.
According to Philippe Ledent, Expert Economist at ING, uncertainty remains high and could have economic consequences. "Geopolitical tensions and nervousness around the tariff war are creating a wait-and-see attitude among households and businesses, which is slowing down the economy. Uncertainty about the euro's exchange rate against the U.S. dollar is also important. A stronger euro would make European exports more expensive, negatively impacting the European export sector. "
If your business has built up a healthy financial reserve, then it's worth looking at savings products that offer the right balance between higher returns and easy access to your money. For businesses with unpredictable cash flows, liquidity can be especially important. For others, return is more important as it protects purchasing power.
"}},{"componentType":"paragraph","richBody":{"value":"“Inflation has been rather volatile in recent years, even though it has now stabilised.” Philippe Ledent, Expert Economist at ING, explains its impact based on recent figures and trends.
“In October 2022, inflation in Belgium peaked at an unprecedented 12.3%, the highest level since the 1980s. Fortunately, since May 2025, this rate has dropped to about 2.0%. This means prices are still rising, but now again at a ‘normal’ pace. Over the long term, however, the impact of inflation is undeniable: between 2010 and 2025, consumer prices rose more than 45%. And while salaries and social benefits in Belgium are generally automatically indexed to inflation, unfortunately this isn’t the case for your capital as a business owner."
"},"title":"Protecting your purchasing power"},{"componentType":"sectionTitle","title":"The importance of smart cash management"},{"componentType":"paragraph","richBody":{"value":"Good financial management is about more than just making a profit. As a business owner, you want your cash reserves to work for you, but at the same time, you also want the flexibility to release cash when needed. A delayed payment from a client, an urgent repair, or an attractive investment opportunity… there are countless situations where you need immediate financial flexibility. Your ability as a business to meet short-term financial obligations using available working capital is known as liquidity. In contrast, solvency refers to your ability to repay debts over the long term using your own equity. Both are crucial to the financial health of your business. Want to learn more about the importance of liquidity and solvency? Read our liquidity vs solvency article.
Smart saving as a business helps you strike the right balance between return and flexibility. Some saving solutions don’t tie up your funds, but they do offer a more interesting return, ideal for growing your reserves without compromising your flexibility.
"}},{"componentType":"sectionTitle","title":"Saving solutions tailored to your business"},{"componentType":"paragraph","richBody":{"value":"Your business current account is the engine that keeps your daily operations running smoothly. It enables you to manage payments efficiently, pay suppliers, and receive income. But often, at the end of the month, there is money left sitting in your account that you don’t immediately need.
Want to make more of those cash reserves? Then it’s important to choose a saving solution that matches your needs in terms of return and accessibility.
ING has various free business saving accounts to help you manage your cash reserves wisely. As with any financial product, there are certain risks. These are explained to you in full transparency, so that you can make your choice with complete confidence.
ING offers formulas where you keep your money fully accessible while earning more than a traditional current account, to options with higher returns if you’re willing to lock away your cash for a period of your choosing:
ING Flexibonus Account
ING Term Account
Whether you’re looking for higher returns or more flexibility, ING has a savings solution that fits your business goals.
Already an ING customer? Feel free to get in touch for personalised advice on how to make the most of your cash reserves.
Not yet an ING customer? Simply leave your details and one of our experts will get in touch to discuss your business saving needs – with no obligation.
"},"title":"Ready to make more of your cash reserves?"}]},"hasMacro":false,"id":"4ac4b7ce-59d1-4e6c-9225-c654a6dbade0","legalZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"This article is for informative purposes only and the information set out herein may change with time. We therefore recommend that you always reference specific regulations and requirements with the competent authorities for the latest information. Additionally, we advise that you seek professional advice on a case-by-case basis before making any decisions. Please note that ING Belgium SA/NV cannot be held liable for any decision taken on the basis of the information provided.
"},"title":"Disclaimer"}]},"localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Save and invest","url":"/en/business/save-and-invest"}},"componentType":"editorialHeader","coreHeader":{"body":"Many financial decisions require you to make choices: improving one aspect, often comes at the expense of another. And it's no different for business savings. Economists call that a trade-off. On the one hand, you want to have free access to your money and, on the other, you want a decent return. In this article, you’ll discover which short-term saving options best suit your business, and how ING can help you find the right balance between flexibility and return.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/5149084f5411452/original/Goede-corporate-governance.jpg","transformBaseUrl":"https://assets.ing.com/transform/01f2eb69-116f-4c6d-a079-f378168b352f/Goede-corporate-governance","type":"image","width":5873},"title":"Boost business cash reserves through smart saving"},"date":"2026-02-17","readingTime":5},"publishDate":"2026-03-09T10:08:30.191+01:00"}}