Operational leasing: finance your company car

  • An all-in formula for entrepreneurs who want to drive worry-free without owning their company car
  • Fixed monthly fee including vehicle lease, insurance, maintenance and roadside assistance
  • For self-employed professionals, SMEs and start-ups

Explore our range of company cars

  • Kia promotion

    Arval Kia Spring Deals

    Lease an electric car as a self-employed professional? Now is the time, thanks to Arval’s Spring Deals! 

    SUVs in various sizes, a hatchback, a minibus or a van… Take advantage of attractive terms on Kia vehicles until 30 June.

    Discover our Spring Deals

  • New car?

    Discover a wide range of new lease vehicles at competitive prices: electric, hybrid or combustion engine.

    • Make your choice from the catalogue or configure your own vehicle.
    • Choose from passenger cars and vans up to 3.5 tonnes.
    • Your mobility partner Arval will handle all the administrative formalities, from order to delivery.

    See the Arval offer*

  • Or do you prefer used?

    Reliable used lease vehicles under 5 years old, selected for you:

    • Maintained exclusively in authorised Arval network garages
    • Technically inspected, with Car-Pass
    • Quick delivery
    • 1 month operational leasing discount for start-ups. Offer subject to conditions

    See the Arval offer*

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Who is operational leasing suitable for?

  • Self-employed professionals and liberal professions
  • SMEs with 1 to 50 vehicles
  • Start-ups (active 0–36 months)
  • Businesses looking to keep cash flow stable
  • Companies without in-house fleet expertise

How does operational leasing work?

These are the key benefits of operational leasing, the complete solution for your mobility needs.

     

All-in service package

An all-in service package for a fixed monthly fee:

  • 100% financing of the vehicle
  • Maintenance and repairs
  • Summer and winter tyres
  • Comprehensive insurance
  • European roadside assistance with replacement vehicle after 24 hours immobilisation
  • Fuel card (optional)

New vehicle tailored to you

You choose:

  • The car, with optional equipment or specific lettering
  • The contract duration (24 to 60 months)
  • The maximum annual mileage defined in the contract
  • Whether or not to pay a higher initial lease fee

Tax-efficient

An off-balance sheet solution for your mobility: your monthly leasing fee is recorded directly as an expense. You do not need to pre-finance VAT. Taxes are included in your monthly invoice.

Online tracking

With our online tools, you stay informed at all times. For example, you are notified when it is time to change your tyres (summer and winter tyres).

NEWLY SELF-EMPLOYED

Does operational leasing suit start-ups?

For the newly self-employed, operational leasing offers immediate access to a company car, with predictable monthly costs.

€15 monthly discount on leasing for start-ups*

With the Starters Kit, you receive a €15 monthly discount (incl. VAT) on your operational leasing. Available via one of our advisors. Valid for new or used vehicles and for the duration of the contract*. Offer subject to conditions.

Discover the Starters Kit

* Offer valid from 1 March 2025 to 31 December 2026 for starters (registered with the BCE for 0 to 36 months).

VIDEO
Operational leasing with our partner Arval
Discover an all-in formula to finance your company car for a fixed monthly fee, and see why Arval is a smart choice for start-ups.
OPERATIONAL LEASING IN 3 STEPS

How to order your lease car

  1. Configure your new car

    Configure your vehicle or choose a used car

  2. Receive a tailored quote

    You receive a personalised proposal from our mobility partner Arval

  3. Place your order

    Subject to acceptance of your application.

Company car via leasing: is it right for you?

FAQs

Your frequently asked questions about operational leasing

Operational leasing is a long-term lease agreement in which you lease a company car for a fixed monthly fee. This fee covers all costs, including vehicle lease, insurance (third-party liability and comprehensive), maintenance and repairs, and the provision of summer and winter tyres. It also includes European roadside assistance and a replacement vehicle after 24 hours of immobilisation. A fuel card is optional.
Although you do not become the owner of the vehicle, you can drive worry-free with no unexpected costs. Operational leasing is a complete mobility solution.

If you prioritise convenience, peace of mind and predictable monthly costs, operational leasing is ideal. It is a comprehensive package that includes insurance, maintenance, roadside assistance and tyres.
With financial leasing, the focus is on financing the vehicle itself. Additional costs and services must be arranged separately. You can purchase the vehicle at the end of the contract by exercising the purchase option.

The monthly fee depends on the vehicle, the length of the contract and the mileage. You can request a quote from our partner, Arval. Start-ups receive a €15 monthly discount with the Starters Kit.

You choose the duration between 24 and 60 months. Generally, a longer duration results in a lower monthly fee.
It is possible to terminate the contract early, for example by transferring it or paying an early termination fee.

When your contract ends, you can either return the vehicle or purchase it at market value.

If you choose to return it, you can lease a new vehicle. We recommend that you start looking for a new company car in the Arval catalogue and request a quote 6 months before the end of your contract. This ensures you are not left without a car.

Most contracts include a mileage package. Extra kilometres are charged, or the contract can be adjusted.

Yes, you can customise or brand your vehicle. At the end of the contract, however, it must be returned in its original condition.

Changing vehicles during the contract may involve early termination fees, so this is generally not recommended.

Electric company cars leased in Belgium in 2026 remain 100% tax deductible for self-employed professionals and companies. After this date, the level of deductibility will gradually decrease. Leasing in 2026 will ensure the greatest tax benefits. Read all the details about the tax deductibility of company cars.

The range of electric cars is growing rapidly, including everything from compact city cars to spacious SUVs and sporty saloons. Through BNP Paribas Fortis, which collaborates with its mobility partner Arval, you can choose from a wide range of electric company cars.

We are happy to guide you through the process and help you focus on key criteria such as range, charging capacity and battery capacity. You can explore the Arval website now, configure your car and request a personalised quote.

Other leasing and financing solutions

Not sure which type of financing is right for your company car? Compare our financing options and choose the solution that best meets your needs.

  • Financial Leasing

    Spread the cost of your company vehicle(s) with financial leasing, including a purchase option.

    Discover financial leasing

  • Instalment Loan

    Finance your company vehicle fully or partially with an instalment loan, without affecting your working capital.

    Explore instalment loans

  • Investment Credit

    Finance your company vehicle(s) and other major investments with an investment credit.

    View investment credits

Legal information

Involved parties and contract nature

Operational Leasing is a long-term operational leasing of vehicles, with no purchase option, to professionals, offered by the lessor, Arval Belgium SA located in Ikaroslaan 99, 1930, Zaventem, RPM Brussels TVA BE 0436 781 102, www.arval.be, retail@arval.be, BNP Paribas Fortis - IBAN BE54 0016 0303 1797- BIC GEBABEBB  with the involvement  of BNP Paribas Fortis SA, Montagne du Parc 3, B-1000 Bruxelles, RPM Brussels TVA BE 0403 199 702. 

Duration and conditions of the offer

Offer valid in Belgium only from 20 April 2026 to 30 June 2026 (inclusive), or while stocks last. A price quote request must be submitted during this promotional period, and the lease agreement must be signed within 5 days of your file being approved by Arval Belgium. This offer cannot be combined with other promotions. 

Eligible customers and models 

These Spring Deals are a promotion of an operational lease reserved for professional customers (self-employed, liberal professions and SMEs) of BNP Paribas Fortis and/or Fintro (Fintro is a division of BNP Paribas Fortis), residing in Belgium, relating to following vehicle models:  

  • Kia EV2 
  • Kia EV3 
  • Kia EV4 
  • Kia EV5 
  • Kia EV6 
  • Kia EV9 
  • Kia PV5  

Indicative prices and contract terms 

The monthly lease prices shown are purely indicative and may vary due to changes in taxation, interest rates, or the vehicle’s list price. They also depend on the selected options, vehicle configuration, and equipment.  

These monthly lease prices (excluding VAT) are based on the parameters effective as of 15 April 2026, for a 60-month term and 10,000 km per year, including the services listed below. They apply to the following models, with the options, packs, and services specified per model: 

  • Kia EV3 58.3 kWh Business: average consumption: 14.9 kWh/100 km (WLTP), CO₂ emissions: 0 g/km (WLTP), indicative taxable value: €37,190.72  
  • Kia EV4 58.3 kWh Business: average consumption: 14.7 kWh/100 km (WLTP), CO₂ emissions: 0 g/km (WLTP), indicative taxable value: €38,450.11   
  • Kia EV5 81.4 kWh Business: average consumption: 16.9 kWh/100 km (WLTP), CO₂ emissions: 0 g/km (WLTP), indicative taxable value: €46,059.15  
  • Kia EV6 62.9 kWh Business: average consumption: 16.4 kWh/100 km (WLTP), CO₂ emissions: 0 g/km (WLTP), indicative taxable value: €49,035.25 
  • Kia EV9 76.1 kWh Business: average consumption: 19.5 kWh/100 km (WLTP), CO₂ emissions: 0 g/km (WLTP), indicative taxable value: €61,726.97  
  • Kia PV5 Cargo 3d 51.5 kWh Essential: average consumption: 19.0 kWh/100 km (WLTP), CO₂ emissions: 0 g/km (WLTP), indicative taxable value: €37,871.18  
  • Kia PV5 Passenger 51.5 kWh Essential: average consumption: 19.2 kWh/100 km (WLTP), CO₂ emissions: 0 g/km (WLTP), indicative taxable value: €37,451.43 

Services included in the monthly lease 

For your information: The monthly lease payment for a Spring Deal vehicle lease agreement is calculated based on the agreed contractual term (between 25 and 60 months, or 84 months for light commercial vehicles) and the agreed annual mileage. The lease includes maintenance and repairs, unlimited summer and winter tyres for normal wear and tear, registration tax (TMC), road tax, depreciation and interest, European roadside assistance, and a replacement vehicle in the event of immobilisation for more than 24 hours. It also includes the Perfecta service, whereby Arval Belgium SA covers the risk of vehicle damage, total loss, or theft, subject to an excess fee (lump sum) payable by the lessee, as well as insurance coverage **. 

Items not included and specific conditions 

Not included in the monthly lease payment: energy and/or fuel costs and traffic fines. The CO₂ levels are also indicative and depend on the options chosen and/or the data provided by the manufacturer. At the end of the lease agreement, a mileage statement will be prepared based on the last contractually agreed price. In the event of early termination of the lease agreement, a lump sum calculated based on the last agreed daily rate (as contractually agreed) will be charged. 

Insurance and legal obligations 

** Third-party liability insurance, legal protection insurance, and driver's insurance are included in the monthly lease payment when arranged by Arval Belgium NV on behalf of the lessee. Arval Belgium NV is registered as an ancillary insurance intermediary with the Financial Services and Markets Authority (FSMA - www.fsma.be) under number 0436.781.102. These insurances may also be arranged with an insurer of your choice. Third-party liability insurance is mandatory by law. 

Prepayment conditions 

If the displayed monthly lease payment includes a prepayment amount, this means that payment of this amount will reduce the monthly lease payments for the duration of the lease agreement.  

Prepayment is neither a guarantee nor a deposit. In the event of early termination of the lease agreement, this prepayment will not be refunded, except in certain cases specified in the prepayment terms and conditions. 

Delivery lead time 

The estimated delivery time for the vehicle depends on its availability with the manufacturer, importer, and/or the chosen equipment and configuration. 

Vehicle images are non-contractual and may differ from the actual leased models. Thought and checked by BNP Paribas Fortis, powered by AI. 

Financial leasing
 
Lessor: ES Finance SA (trading as BNP Paribas Leasing Solutions), Chaussée de Gand 1440, 1082 Brussels, RPM Brussels, VAT BE 0430.506.289. 

Instalment loan
 
Lender: BNP Paribas Fortis SA, Montagne du Parc 3, 1000 Brussels – RPM Brussels – VAT BE 0403.199.702. 
 
The information provided is for information purposes only and does not constitute an offer or a commitment to grant credit. It is provided to facilitate further discussions. The bank reserves the right to modify the information on its website without prior notice and is under no obligation to inform (potential) clients of such changes. 
 
Investment credit
 
Lender: BNP Paribas Fortis SA, Montagne du Parc 3, 1000 Brussels – RPM Brussels – VAT BE 0403.199.702. 
 
The information provided is for information purposes only and does not constitute an offer or a commitment to grant credit. It is provided to facilitate further discussions. The bank reserves the right to modify the information on its website without prior notice and is under no obligation to inform (potential) clients of such changes. 
 
Operational leasing
 
An operational lease is a long-term operational rental of vehicles, without a purchase option, for professionals, offered by the lessor Arval Belgium SA (Ikaroslaan 99, 1930 Zaventem, RPM Brussels, VAT BE 0436.781.102, www.arval.be, retail@arval.be, BNP Paribas Fortis – IBAN BE54 0016 0303 1797 – BIC GEBABEBB), with the involvement of BNP Paribas Fortis SA (Montagne du Parc 3, B-1000 Brussels, RPM Brussels, VAT BE 0403.199.702). 

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