Could it be a little
more?
Personal advice, smart structures — and more room for what matters.
Our approach
Smarter compensation comes down to three choices
No standard recipe. An approach that fits you, your company and your life.
Personal advice
No template. We listen first — your situation, family and ambitions — then build the structure around that.
Smart structures
Salary, dividends (VVPR-bis), warrants, supplementary pension, real estate — we combine what works fiscally for you.
More balance, more life
More net isn't a goal in itself. It gives you space — for your family, your plans, your peace of mind.
Lyff.Academy
Watch the full info session
The insights on this page come straight from our Lyff.Academy session on salary optimisation. Watch the recording at your own pace.
The campaign
Could it be a little more?
Our campaign visuals tell the story — with a wink. Because more net is allowed to be fun.
Butcher — Could it be a little more?
Friterie — Could it be a little more?
Playground — Could it be a little more?
Hotel — We've given you a small upgrade
Carwash — Cheers and thank you!
Café — One more on the house
Concrete example
What's in it for you? One simulation is enough.
Based on your real numbers we calculate your net today and your net after optimization. Clear, comparable, no obligations.
You share a few key figures (revenue, salary, family)
We calculate your net potential with an optimal mix
You get a concrete proposal — you decide what fits
Example salary simulation
Company revenue
Net today (classic)
Net after optimization
Difference per year
Indicative example based on a typical file — your result depends on your personal situation.
Why this matters
The Belgian reality, in numbers
Source: Lyff. info session 2026 — Jan Hermans on entrepreneur compensation.
Marginal tax burden
On every extra euro at the top, you keep barely 25%. Optimization starts precisely there.
Family tax burden
On a typical family gross of € 122,640 only ± € 59,000 stays net. The rest goes to social contributions and tax.
Social contributions cap
Above this income you pay no additional social contributions. Alternative compensation becomes especially interesting.
Beyond a certain point, you're no longer working for yourself but almost entirely for the government.
Worked example from the info session
€ 120,000 revenue — three scenarios
One entrepreneur, same revenue, three pay structures — three very different net outcomes.
Recommended mix
Total net
Salary + dividend (VVPR-bis)
Maximum benefit through a combination of salary and warrants. This brings your tax burden to the EU average
Dividend only
No salary, everything via dividend after corporate tax. Lower social contributions, different trade-offs.
Salary + Warrants
Maximum advantage via warrants. Legal — but only relevant in specific situations.
Indicative figures (source: Lyff. info session 2026) — your actual optimum depends on your company, family situation and goals.
What we do for you
Lyff. covers the full financial picture — under one roof.
Salary optimization
Credit & real estate
Wealth protection
Estate planning
Investing
Our expert
Jan Hermans
Author, speaker and founder of Lyff. For over 15 years he has helped Belgian entrepreneurs with smart compensation, wealth building and pension planning.
Author & speaker
Jan Hermans — the voice behind Fiscale Shortcuts
Talk to a Lyff. expert
The book
Fiscale Shortcuts voor managementvennootschappen
Optimisations even your accountant will love. Concrete shortcuts to keep more net through your company.
Buy the book
Curious what's in it for you?
30 minutes, no strings attached, with a concrete number on the table.
Book my net check
The Lyff.Plan
Every entrepreneur starts from a different place. That is why we always follow the same clear path, from first analysis to a concrete plan.
- Introduction: We get to know your situation, your company and your ambitions. No obligations, no sales talk.
- Revenue, costs and profit: We go through your figures: what comes in, what goes out and what is left in the company.
- Salary analysis: We review how you pay yourself today and what that costs in taxes and social contributions. We implement the necessary optimisations.
- Protection: We check what happens in case of illness, accident or death. We offer solutions that close the gaps in your cover.
- Optimisation: We take profit out of your company tax-efficiently and propose the right mix of salary, pension build-up and benefits.
- Investments: We put surplus cash to work and offer an investment approach that fits your horizon and risk profile.
- Financing: We look at which type of credit fits your plans and propose the best financing solution, from business investment to real estate.
- Private wealth: We bring it all together in one concrete plan: from profit in your company to wealth that is privately yours.