Travel solutions for your business

Asking the right questions: find out your real travel needs

Changing travel habits

Our travel habits have already changed significantly, and they will undergo many more changes in the years to come. This raises many questions about travel in your business. Reducing CO2 emissions is a crucial challenge, but you also need to consider new regulations, digitalisation and new urban guidelines.

Electric transport and tax benefits

There are a lot of company cars in Belgium. However, from 2026, only electric company cars will be tax-deductible. The transition to alternative travel solutions is underway. Don't panic, though – it won't happen overnight. A company car with a fossil-fuel engine purchased between 1 July 2023 and 31 December 2025 will see its deductibility decrease gradually until 0% in 2028. Electric cars purchased until 2026 will remain 100% deductible. The deduction rate will then decrease to 67.5% in 2031. So are you ready to switch to electric?

Alternative travel

Anyone who has tried to drive into the centre of Brussels during rush hour has experienced the horrors of traffic congestion. The same applies to other major urban centres, from Antwerp to Charleroi. Cities are going all-out to encourage active travel and promote new working habits. Strict daily attendance schedules are no longer relevant. Every business starter needs to know about multimodal travel and the many benefits that come with combining different modes of transport. The way you travel is evolving, and so is that of your employees. It's up to you to take the plunge and reinvent your travel using the various solutions available!

Understanding different solutions

Financing 

How can you rethink your travel solutions and evaluate their cost? Start by analysing the various financing solutions to choose the ones that best suit your business and company profile. Three options are available to you. Firstly, the instalment loan* allows you to purchase a new or used vehicle, repaying the loan gradually over time. Secondly, with a finance lease** you rent a new vehicle from the dealer of your choice with the option of purchasing it later. Finally, an operating lease*** is an all-inclusive formula, with the monthly payment covering a wide range of services in addition to the vehicle such as insurance, taxes, maintenance and servicing. Your transport, your business, our solutions.

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Active travel: a wide range of options

Cars and public transport are not your only travel options. The use of bicycles – standard and electric – has exploded in recent years. Scooters, electric scooters and other similar vehicles are also increasingly present on our roads. These new modes of transport offer real solutions to traffic congestion and parking problems, and we offer financing and insurance for them as well!

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Connected vehicles

The digital revolution is affecting all areas, including travel. And yes, even your company's vehicles can be connected. With a simple app, your employees are able to share a car. Make no mistake, this option is not just for large companies. Your SME has just as much access to the many benefits offered by new technologies: more flexibility, fewer vehicles, increased efficiency and lower costs. In short, solutions tailored to your real needs!

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The real cost of your travel solutions

TCO: what's that?

Your company's travel solutions will inevitably change, but this raises many questions and concerns. From a financial perspective, it's essential to know the real cost of business travel. To do this, you can rely on TCO, a mysterious acronym hiding a very practical concept. TCO (total cost of ownership) looks at all of your spending with various suppliers (fuel, vehicle purchase or rental, insurance etc.) in order to compare, analyse, and have a clear view of your travel solutions’ overall cost. And if you have any doubts, our experts are available to answer your questions.

Making the transition at a fair price

Your travel solutions need to evolve at your own pace and according to your situation. Which electric vehicles are available and what are their benefits? What about fossil-fuel vehicles? If you opt for an operating lease, you pay a fixed monthly fee and no longer have to worry about anything, whether it's one car or several vehicles. All costs are covered, and you have access to the latest models. In all cases, your advisor will offer you various types of lease and help you adapt them to your needs while maximising your tax benefits. New travel solutions require tailored financing solutions. Make the right choice by being fully informed.

Customised travel

The revolution in transport methods is gaining speed. You might sometimes think it’s going too quickly! If you have questions about what to do about it, that's normal. Every entrepreneur wants the best solutions. Your bank advisor is always on hand to help you make the right decisions. In terms of travel, you can count on our expertise and a wide range of solutions, some of which are more complex and many of which are not widely known. Does your business need a more extensive and diversified car fleet at the lowest cost? We can point you towards a reliable fleet manager. If you understand the options – operating leases, loans, vehicle sharing, electric vehicles etc. – then you’ve already made progress. The future starts now.

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