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- 6/5/2025
Living in an energy-efficient home is not just good for the environment, it’s also good for your wallet. But which is best: a thorough renovation of your existing home, or starting from scratch with a new-build?
These days, an energy-efficient home is no longer a ‘nice to have’, but the standard. And thanks to stricter legislation, it is increasingly becoming an obligation.
Sometimes, improving the energy efficiency of your existing home means carrying out a major intervention. But renovations like these require fewer new raw materials and less polluting transport than building a new home. Did you opt for a new-build? In most cases, it will still be more energy-efficient than a renovated house due to the current stringent BEN (nearly zero energy) requirements.
Are you embarking on a renovation? First things first: start by establishing your home's current EPC rating. You can find this EPC rating on a recent PEB/EPB certificate – meaning one issued in 2019 or later. An EPC/PEB/EPB report also contains recommendations on how to make your home more energy-efficient. Don't have a recent EPC? You can have an energy audit performed by a recognised energy expert in that case.
Europe wants to be energy neutral by 2050. For housing, this means reaching an EPC label A. Currently, however, barely four percent of houses and apartments in Belgium comply with this requirement. So we will have to step up our efforts considerably in the coming years. Flanders has therefore introduced a renovation obligation.
From 1 January 2023, all new owners of a house or apartment with an EPC label E or F must renovate their new home to at least EPC label D within five years of purchase (or inheritance, donation, etc.). Anyone who does not comply with the renovation obligation risks getting a fine ranging from € 500 to as much as € 200,000.
Since 2021, anyone building a home in Belgium must do this in an energy-efficient manner. Flanders has the BEN norm (bijna-energieneutraal/almost energy-neutral), whereas Wallonia has the Q-ZEN (Quasi Zéro Energie/Almost Zero Energy) norm.
A nearly zero-energy home uses little energy for heating, ventilation, cooling and hot water. Any energy it needs mainly comes from renewable energy sources.
Your long-term benefits
With energy-efficient measures, you not only reduce your CO2 emissions and your energy bill, but you also increase your comfort and your home's (future) market value.
The challenge is daunting, but together we can succeed in meeting the ambitious 2050 goals.
Good for our planet, good for your wallet
Do you also have plans for a more energy-efficient home? Discuss them with one of our advisors.
Make an appointmentHome loan Form of credit: mortgage credit for real estate and/or movables. The provisions on mortgage credits in Book VII, Title 4, Chapter 2 of the Belgian Code of Economic Law apply. Subject to acceptance of your application by the lender, BNP Paribas Fortis SA/NV, Montagne du Parc/Warandeberg 3, 1000 Brussels – Brussels Register of Companies – VAT BE 0403.199.702.
Renovation loan and Energy loan: Form of credit: Instalment loan. The provisions on consumer credit in Book VII, Title 4, Chapter 1 of the Code of Economic Law apply. Includes all energy-saving work in the home, such as the purchase and installation of window frames and double glazing, heating and boilers, insulation materials, solar panels, energy audits and all other materials and work that save energy in the home. Subject to acceptance of your application by lender AlphaCredit SA/NV, Montagne du Parc/Warandeberg 8 Bus 3, B-1000 Brussels, Brussels Register of Companies, VAT BE0445.781.316. Affiliated agent: BNP Paribas Fortis SA/NV, Montagne du Parc 3, B-1000 Brussels – Brussels Register of Companies – VAT BE0403.199.702.