Learn about tax optimisation, leasing, insurance, passive income, investing in ETFs and real estate, pricing, contracts and much more!
Date: Friday 12 December 2025
Time: 9:30 – 18:00 CET
Location: ONLINE
Register here: LINK
Why join
Freelance Finance Day 2025 is designed to help you keep more of what you earn and master finance topics in one dedicated day.
Who should join?
- Freelancers who already have clients and income coming in, but feel they could optimise far more.
- People who want to understand how taxes, deductions, social contributions, and legal structures actually work for them.
- Sole proprietors considering whether a BV would be beneficial.
- Freelancers who want to build more financial stability, buffers, and long-term security.
- Anyone who wants practical, Belgium-specific explanations without the jargon.
- Freelancers who want to learn from experts who work with freelancers every day.
- Advanced freelancers looking to level up their financial planning, pricing, investing and wealth-building.
The freelancers joining come from a wide range of professions, including:
• Designers, developers, and IT specialists
• Marketers, copywriters, and content creators
• Consultants, coaches, and trainers
• Photographers, videographers, and creatives
• Virtual assistants, administrative professionals, and project managers
• Finance, HR, and operations freelancers
Agenda Friday 12 Dec 2025 (more info about the speakers and sessions below)
09:30 – 09:45
Intro and welcome
Host: Jenny Björklöf
09:45 – 10:10
The 6-Pillar Freelance Finance Framework
Speaker: Joris Evens, Independent Wealth Architect and founder of Next Chapter Planning.
10:15 – 10:40
Optimise your time like an engineer
Speaker: Michael Houben, Engineering Team Trainer & Coach
10:45 – 11:20
Into the Void: Redefining Freelance Independence
Speaker: Piet Saegeman, Messaging Strategist
11:20 – 11:30
BREAK
11:30 – 11:55
Build wealth on autopilot: ETFs for Belgian freelancers
Speaker: Sébastien Aguilar, Founder & Instructor, Financial Independence Community Belgium
12:00 – 12:25
Lessons from a freelancer turned real estate investor
Speaker: Frédéric Collard, Cybersecurity & Governance Executive Consultant + Real Estate Investor
12:30 – 13:30
LUNCH BREAK
13:30 – 13:40
Your next car lease: the most competitive prices, full service, and fast delivery
Speaker: Jim Surkyn, Team Lead at Lizy
13:40 – 14:15
Proactive contracts: protect your income and power up your pricing
Speaker: Eveline Van den Abeele, Legal Counsel, Rechtaan
14:20 – 14:45
Pricing beyond the number: mastering value, confidence and strategy
Speaker: Denys Robyn, Pricing Manager at bpost
14:45 – 15:00
BREAK
15:00 – 15:20
Expanding your income as a freelancer
Speaker: Jenny Bjorklof, Community leader, Freelancers in Belgium
15:20 – 15:30
Optimising meal, eco and gift vouchers as a freelancer
Speaker: Hannes Van Roy, Partner Success Manager, Monizze
15:30 – 16:30
Tax optimisation 2026: smarter ways to pay yourself
Speaker: Hassan Ayed, Founder Catalyst Accountancy + Accountant & Tax Advisor
16:30 – 16:45
Prize draw and wrap-up
Host: Jenny Björklöf, Community leader, Freelancers in Belgium
16:45 – 18:00
Freelancer money circles: connect, reflect and exchange real insights
A moderator-guided open discussion where participants can join topic-based discussions (pricing, investing, contracts, insurance, tax optimisation, mindset, and time).
A space to share experiences, ask candid questions, exchange strategies, and meet peers who face similar challenges — with a relaxed apéro vibe to close the day.
More info about topics & speakers
Frédéric Collard, Cybersecurity & Governance Executive Consultant + Real Estate Investor
Lessons from a freelancer turned real estate investor
Frédéric shares his personal real estate investment journey as an independent professional — why he started, the mistakes he made, and what worked well. Expect honest insights and practical tips on what to look out for when investing in rental properties.
Hassan Ayed, Founder, Catalyst Accountancy + Accountant & Tax Advisor,
Tax optimisation 2026: smarter ways to pay yourself
Learn the latest, and some out-of-the-box, tax optimisation techniques for freelancers with a company. Hassan will share about the new rules and optimisation possibilities for 2026, plus practical tips on cash flow management, salary optimisation, dividends, and structuring your income for maximum efficiency. He’ll also share a quick overview of when to switch from sole trader to company owner. There will also be time for asking live questions.
Eveline Van den Abeele, Legal Counsel, Rechtaan
Proactive contracts: protect your income and power up your pricing
Eveline shows how to use contracts to strengthen your position as a freelancer. Learn how clear clauses help you set higher fees, provide proper exit options, put boundaries to non-compete obligations, and limit your liability. Ensure mutual respect, also on paper.
Michael Houben, Engineering Team Trainer & Coach
Optimise your time like an engineer
What if you could work 60% of a normal week and still reach your goals?
Michael Houben, an engineering coach and father, is redesigning his work life to do exactly that. In this honest and practical session, he shares the time management principles that help him, and the engineering teams he trains, create more freedom without losing focus or results.
Learn how to set meaningful goals, design a realistic weekly schedule, make hard choices, and build discipline gradually. You’ll leave inspired to design your week with more intention, energy, and balance.
You’ll also learn why relative income what you earn per hour of life, not just per hour of work matters more than absolute income when it comes to true freedom.
Piet Saegeman, Messaging Strategist,
Into the Void: Redefining Freelance Independence
This keynote is a behind-the-scenes look into Piet’s experiment: from selling his time to firing certain clients, reshaping his business, and building new income streams.
He’ll talk about space exploration, escaping the traditional freelance mindset that keeps you dependent on key clients, and designing a more resilient, autonomous way of working. You will discover my experience with a system of decisions, offers, and habits that created freedom, growth, and room for experimentation for me.
If you’re a freelancer who wants more more independence, and more options, this session is for you.
Sébastien Aguilar, Founder & Instructor, Financial Independence Community Belgium,
Build wealth on autopilot: ETFs for Belgian freelancers
Discover the potential of Exchange-Traded Funds (ETFs) and how to grow your wealth with evidence-based investing — optimised for Belgian taxes. Sébastien shows how even busy freelancers can invest efficiently without making it a full-time job.
Denys Robyn, Pricing Manager at bpost
Pricing beyond the number: mastering value, confidence and strategy
With experience in both corporate and independent settings, Denys shows that pricing isn’t really about the number — it’s about the value behind it. Learn how to articulate and measure the value you deliver, choose pricing models that strengthen client relationships, package your services strategically, and defend your price with confidence. Every proposal is an opportunity to test, learn, and grow your earning power.
Jim Surkyn, Team Lead at Lizy
Your next car lease: the most competitive prices, full service, and fast delivery
Jim from LIZY explains how freelancers can choose a fiscally smart company car. With more than 500 young second-hand EVs and hybrids, Belgium’s most competitive pricing, full-service support, and fast three-week delivery, you’ll get clear, practical guidance to make the smartest choice for your business.
Hannes Van Roy, Partner Success Manager, Monizze
Optimising meal, eco and gift vouchers as a freelancer
Many freelancers overlook one of the simplest tax-efficient benefits available to them: vouchers. In this session, Monizze explains how freelancers can use meal, eco and gift vouchers to lower their tax burden, increase their net income, and structure benefits in a compliant, efficient way.
You will learn when and how freelancers can issue vouchers through their company, which amounts are deductible, how to stay within the legal framework, and how to use Monizze to streamline the entire process.
Ideal for freelancers with a company (or considering) who want to keep more of what they earn through smart, low-effort optimisation.
Joris Events, Independent Wealth Architect & founder of Next Chapter Planning.
The 6-Pillar Freelance Finance Framework
Most freelancers lead a double life. By day, you are a high-performing professional. But by night, at your kitchen table, you improvise with your personal finances like an amateur.
You collect random “puzzle pieces” – some crypto, an ETF, a pension plan, maybe an insurance policy. You have products, but you don’t have a strategy.
What you will discover in less than 30 minutes:
- Pillar 1: The Foundation (System & Automation) Stop relying on willpower. Learn how to apply “Pay yourself first” principles to your banking. We set up a system with multiple accounts and automation so you see your true financial health in 3 seconds.
- Pillar 2: The Black Swan Audit (Risk) Most freelancers cover the small risks but ignore the catastrophic ones. We check your protection against the “Black Swans”: disability, incapacity of will & death.
- Pillar 3: Smart Leverage (Debt) Why paying off your mortgage early might be your biggest mistake. Learn how to use the bank’s money to accelerate your wealth building.
- Pillar 4: The Wealth Engine (Investing) Are you saving for taxes or investing for freedom? We expose the hidden entry costs that brokers don’t tell you about and show you how to transition to true passive income.
- Discover pillar 5 & 6 during the presentation.
More speakers will be announced!
Format:
Freelance Finance Day brings together learning and practice in different ways:
-
Keynotes with actionable insights
-
Networking moments with peers
Tickets
- Standard price until 5 Dec: €49
- Last week, 6 Dec – 12 Dec: €79
Or as long as tickets last.
“This is a great opportunity to learn more about different revenue streams and ways to make, use and gain more money! It is also a great way to connect with fellow freelancers in Belgium and beyond, as the chat was very lively and interactive!”
Lindsay Clark-Connolly, Operations Strategist
Partners:
Confirmed sponsors:
ING Belgium offers a range of financial services and support tailored to self-employed individuals in Belgium.
Catalyst Accounting & tax advisory – See their accounting packages and prices developed exclusively for Freelancers in Belgium members here.
LIZY provides young second-hand vehicles to freelancers and companies, delivered in 3 weeks. Enjoy Belgium’s most competitive pricing, a complete service package, and personalized advice on company car fiscality.
LV Agency – freelancers and self-employed professionals receive personalized insurance solutions tailored to their needs.
Monizze – smart vouchers: simple, compliant ways for freelancers to keep more of what they earn
FAQ
- What will I learn here that I can’t get as tailored advice from my accountant and other service providers?
- We have selected experts we know that have a vast experience with freelancers and clients and explicitly asked them to share out-of-the-box solution
- It’s also important for you to understand how you want to direct your finances and your business; spending time thinking about this and learning can also help you have better conversations with your accountant and other advisors
- Learn from fellow freelancers
- Can I get a refund?
- No, unfortunately, refunds are not available. You may transfer your ticket to another attendee. If the event is cancelled due to an unforeseeable reason you will receive your ticket fee back.
- Can I deduct this as a professional cost and get an invoice?
- Yes, you can. You have received an invoice to download when registering
- Will there be recordings? Can I have the presentation slides?
- You will receive access to all the slides, no, we don’t do recordings.
- I don’t have money to invest yet, should I still join?
- Sign up early to enjoy the Early Bird discount
- You can start investing/saving money from 10€ a month.
- Will you run this again in the future?
- Freelance Finance Day is an annual event, organised once a year.
- Why is this in English when we are in Belgium?
- English is the most appropriate language catering for both internationally minded natives and foreigners new to the country We run all our events in English, so anyone can join no matter whether they are originally from Belgium or anywhere else in the world. This keeps our international focus and allows us to invite speakers from abroad too.