How This Calculation Works
Company vehicles in Belgium are taxed as "Benefit in Kind" (BIK). While you pay income tax on this benefit, no social security contributions (RSZ) are paid, meaning it doesn't count toward your pension calculation.
Result: You'll receive less monthly pension during retirement. See below for the exact impact per vehicle type.
Monthly Pension Impact by Vehicle Type
Calculation Assumptions
• Pension calculation: 60% (single) or 75% (married) of average career salary
• Employee RSZ contribution: 13.07% (7.5% for pension)
• CO2 coefficients for 2025: Diesel 67g/km, Petrol 82g/km
• Minimum BIK: €1,650/year
• Electric vehicles: 4% coefficient (minimum)
• Solidarity contribution factor 2025: 2.75x
• Calculations based on current regulations