Investing

Yes, foreigners can invest in Euronext Brussels. You'll need a local brokerage account or can access it through international platforms like Interactive Brokers or Saxo Bank. Some brokers may require a local tax ID or residency permit. Alternatively, you can invest in Belgium-focused ETFs listed on major international exchanges.

Since 1 January 2026, Belgium levies a 10% capital gains tax (the 'solidarity contribution') on realised gains on financial assets, including stocks, funds, and crypto. The first €10,000 per year is exempt (indexed, and it can build up to €15,000 if unused), and a €1 million exemption applies to substantial shareholdings of at least 20%. Only gains accrued from 2026 onward are taxed, there is no retroactive effect. Always consult a local tax advisor as rules change frequently and individual circumstances vary significantly.

Yes, foreigners can purchase freehold property in Belgium with the same ownership rights as citizens. You'll need a local tax ID, a lawyer, and typically 5–10% of the purchase price for transaction costs (taxes, notary, registration). Some banks offer mortgages to non-residents with 20–40% down payments.

Interactive Brokers is the most widely recommended platform for expats in Belgium - it accepts clients from 200+ countries and provides access to 150+ global markets. Saxo Bank is another strong option, especially in Europe and Asia. US-based platforms (Charles Schwab, Fidelity, Vanguard) may restrict or close accounts with a Belgium address due to regulatory compliance. Always verify a platform accepts your nationality + residency combination before transferring assets.

Belgium offers a stable, well-regulated investment environment with access to Euronext Brussels. While taxes on investment income are moderate to high (a 10% capital gains tax on financial assets applies from 2026, with a €10,000 annual exemption), the trade-off is strong investor protections, transparent markets, and sophisticated financial infrastructure. The annual exemption, tax-advantaged accounts, and treaty benefits can significantly reduce your effective tax rate. The key is planning your investment strategy before you relocate.