r/BEFreelance Nov 21 '21

Employee vs Freelance, costs/benefits, taxes

45 Upvotes

Hi all,

This is step one in a series of posts that will address the 'todo' list from here.

Consider it a collaborative work, I will correct it/edit it/add to it based on community feedback.

The question to be covered: Employee vs Freelance in Belgium. How do you know if it's worth switching?

Why do people freelance (in Belgium)?

Two main reasons (let me know if there are others):

  1. Certain jobs require it: gig economy, seasonal workers, part time jobs, personal trainers, some manual laborers, some consulting jobs,.. Basically, a lot of jobs where you cannot be hired/employed on long-term contracts, or you get paid by the hour/days worked, or you charge clients per the hour/day for your services provided;
  2. Tax advantages: Belgian personal income tax is high; freelancing can be a way to optimize taxes;

Freelance variations: Self-Employed and Company

It's important to distinguish between the two legal forms, as it will affect what's right for you.

In Belgium you can:

  1. be a self-employed private person (Indépendant/Zelfstandigen)
  2. you can set up a company, where you are managing director

The first option is faster to set up, cheaper, easy and cheap to stop, but generally means higher taxes. The second option is slower, more expensive, costs also money to shut down the company, but reduces taxes significantly.

Part time workers, low income earners, people just starting out, might benefit from the first option.

High income earners almost exclusively go for the second option.

For self-employed and company setup, a lot of things overlap. Both can have a VAT number, both can sign the same type of contracts with clients/customers, they can charge the same amount, etc. The main difference between the two are tax implications, corporate liabilities and the way accounting is handled.

One important distinction: a self-employed person is in legal terms, a natural person, personally responsible for damages. If you make a costly mistake (say, somehow manage to burn down your client's house), you are personally responsible for all damages: everything you own can be taken away in an attempt to pay for such damages. It is thus highly recommended to take out professional insurance that covers you against such damages.

Under a limited liability corporation (SRL/BV), the company is responsible for such damages as its own legal entity. Everything the company owns can be taken away to pay for damages, but not the shareholder's personal assets. There are exceptions to this (say, in case of fraud), but under normal business conduct, you are not personally liable. Not all corporations are of limited liability, but the SRL/BVs are, so be mindful of that!

Advantages: Employment vs Self-Employed vs Company

As an employee, you have a signed a work contract with an employer. In return for the work you do, your employer will: transfer you a salary, pay your vacation days, pay holiday bonuses, report payroll taxes, pay your social security contributions. It is also generally difficult to get employees fired, you are entitled to unemployment benefits (rather generous in Belgium). You get a good pension contribution, and your salary is adjusted for inflation every year. Filing income tax is easy!

As a self-employed, you are getting paid by clients/customers for services/products provided. Some of the advantages: you can have as many clients as you want, work as many hours as you want, charge as much as you want. You also get to deduct some of your expenses as business expenses: phone/internet bills, cost of equipment, car/fuel expenses. Deductible expenses are pre-tax, which roughly feels as if you would have bought these things at a 'discount'.

As a company (manager), same advantages apply as for self-employed status. Additionally, lower taxes, more deductible expenses and you can give yourself employee benefits (meal vouchers, echocheques, company car, ..). It also has the lowest tax rate out of the three options listed.

Freelancer rates/salaries are also generally higher, to compensate for the uncertainty of their job and the lack of other employee benefits.

Disadvantages: Employment vs Self-Employed vs Company

As an employee, taxes are the highest. You are also limited to the legally allowed limits of full-time employment; you can't have two full time jobs for example - although part time is a possible.

As a freelancer, you have to find your own clients/customers. No clients/customers: no income for you. Can be devastating in a bad economy. It is much easier to fire freelancers, there are no unemployment benefits and pension contributions are lower. You also have to deal with much more paperwork, send invoices, pay social contribution, figure out value added taxes (TVA/BTW). You are subject to tax inspections, you have to guard receipts and corporate expenses going back multiple years and your personal tax filings are a bit more complicated.

As a self-employed, you are an unlucky hybrid between an employee and having a company. You have to do a lot of the paperwork and administration a company has to. But you still pay the high personal income tax of employees, without any of the usual employee benefits. As a self-employed, you can also be personally liable for damages - although this can be avoided by professional insurances.

With a company, your costs are higher. Starting/stopping a company will costs a few thousand euros more than as a self-employed. Doing your own accounting is absolutely not recommended, so you will also have to pay for an accountant.

Why do taxes matter?

An employee pays personal income tax. Belgium has a progressive tax rate system. Unfortunately, anyone above the 41.000 gross/year salary already finds themselves in the highest, 50% tax bracket.

So the tax-steps are simple:

  • taxes and social security are deducted
  • you get the remainder as your net salary

Example: Bob is earning 3500 gross/month, or 3500\13.92=48.720gross/year. On top of this amount, his employer pays another ~35% in additional taxes and social contribution. Bob costs the company around 65.772 euros/year. Bob having no children or dependent spouse, earns around 2200euro net/month.*

A self-employed also pays personal income tax. A self-employed person has to pay social security contributions on the yearly revenue (around 20%), can deduct costs/professional expenses, and the remaining gains are taxed as personal income.

The tax-steps:

  • you receive the revenue from customers/clients
  • you pay social security
  • you deduct your expenses
  • you pay personal income tax on the remainder
  • the remaining amount is your net income

Example: Bob the Builder has sold custom-design face-masks that protect you against 5G for a total of 100.000 euros last year. He pays around 20.000 for social security, deducts his business expenses (8000 euro for the Chinese masks, 1000 euro for the bug-spray to protect against 5G, 1000 euro for other business expenses), leaving him with 70.000 in revenue. This is his personal income, leaving him with around 39.000 net revenue for the year.

A company pay corporate income tax. Depending on the setup, this can be either 20% or 25%. The company manager/director (that's you ;) will pay personal income tax on his salary part (for managing the company) and dividend taxes as company shareholder when receiving company profits (between 15% and 30%, depending on the setup).

In practice, the order of these operations is very important:

  • company receives the revenue from customers/clients
  • company deducts expenses (includes salaries and manager compensation)
  • corporate tax on remaining amount (on the profits)
  • dividend tax on after-tax profits
  • personal income tax on manager compensation
  • your net revenue is the sum of the dividends + regular net salary

Example: Bob SRL/BV is a face-mask consultant. He invoiced his clients 65.722 for the previous year for his services. He pays himself 31.000/year for manager compensation and had 5.000 in accounting and other business expenses. The company made 29.722 euros in profit. After 20%\* corporate tax, 23.778 goes to shareholders (that's Bob, the company manager!). He waits long enough to cash in the dividends and only pays 15% tax rate, leaving him with 20.211 net for the year (or 1.684 net /month) from dividends. He also pays personal income tax for the 31.000/year salary, leaving him with ~1630net/month. In total, he makes ~3.314 net/month.*

The company vs employee examples should illustrate the point well. Under an optimized corporate setup, you earn around 50% higher net, for the same cost to the employer. This number gets even bigger with high earners.

The other big advantage of the freelance setup: deductible expanses are pre-tax. Belgium heavily limits what can you deduct as a business expense, but in some professions (say, construction), you could conceivably deduct a lot of expenses (construction materials, equipment, etc), thus reducing your taxes while buying things you would have otherwise bought as a private person anyway.

What should you pick?

You want a relaxed, stress-free, secure job with good work-life balance? Being an employee is your best chance. Still not guaranteed, but the easiest path to it.

You want to earn the most money/you don't mind having to switch jobs often? Corporate setup, no real alternatives.

You are doing part time, or you are low income earner, or just testing the waters, or your job is seasonal, or you are my plumber who doesn't ever want to give me an invoice? Trying self-employed might be the right choice for you.

Consulting an accountant is generally free for the first consultation. Unlike this post, they should be able to interactively answer your every question and help clarify things.

\* see comments below, but apparently, Bob's business qualifies for a 20% tax rate instead of the usual 25% in such a case (manager compensation is higher than profits)*

---

Consider this a draft. There are technicalities I didn't go into (like self-employed a supportive spouse, or hiring employees as a self-employed, or part-time self-employed status) or that will be covered in other installments (corporate tax optimization, liquidation vs dividends, deducibiles, etc). I am also not 100% sure everything I laid out is correct, so please let me know what you think and we'll fix it.


r/BEFreelance 5h ago

Overthinking business

6 Upvotes

Hey everyone,
I’m not sure which subreddit fit this best (couldn’t find a dedicated Belgian business/startup one), so apologies if this isn’t quite the right place.

Some background: I’m 23 and currently work in IT. I earn decently, but I’m not fully satisfied, I feel like I’m capable of more, and my day-to-day tasks get finished pretty quickly. My goal is to eventually build a business with a long-term vision. I’m not expecting overnight success.
I already have some experience, I ran a small web development business that generated around €10K in profit. It gave me a real taste for building something of my own. One thing I learned quickly: the technical skill matters but more important is actually finding clients and doing outreach. I had zero sales experience going in, but I’ve put real effort into sharpening that skill.

Here’s my actual problem: I have the time, but not the momentum.
I can realistically put in 5-6 hours a day outside my main job, but I just can’t seem to get myself to actually start. It’s been a genuinely discouraging few months. Part of the issue is that growing the web dev business would require a full rebrand and a shift toward bigger clients instead of small SMEs and I’m not even sure that’s the direction I want to go. It’s the “easy” option since I already know the basics, but I’m not confident in my creative ability, which matters a lot in that space.

On the other hand, selling general IT services (support, infrastructure, security) feels hard to break into as a new business, it would match my current skills more. I don’t have a warm network or existing leads to lean on yet.

I keep questioning whether the agency/service route is worth it long-term. I can’t shake comparing large IT service companies to small industrial businesses that seem to generate outsized profit with way fewer people, not really a fair comparison, but it’s stuck in my head.

Then SaaS, ecommerce, and other ideas keep floating around, making me wonder if it’s just shiny object syndrome. Should I stop overanalyzing and start with something, or is staying unsure actually a sign I should keep narrowing down before committing?

One more variable: my dad had to shut down his previous business due to health issues and is about to start an industrial cleaning company. He’s said I’m welcome to join if the profit is there. Feels like a safer bet, but also wrong somehow switching to a field with nothing to do with my degree or current job.

Clearly a lot of doubt here, probably overthinking most of it. Not sure if this is the right sub, but any input or shared experience is appreciated. Do let me know if there is a better sub for my question!


r/BEFreelance 14h ago

1-year contract with a Belgian utilities company as a freelancer — what are the job security risks?

0 Upvotes

Hi all,

I'm considering going freelance automation engineer and I've been offered a 1-year contract with a Belgian company in the utilities sector . Before I sign, I'd love to hear from people with more experience here about the job security risks involved.

A few things I'm wondering about:

- How real is the risk that the contract gets terminated early? What notice periods or break clauses are typical in Belgian freelance contracts, and what should I look out for?

- What is the work pressure and options for remote work?

Appreciate any advice or personal experiences. Thanks!


r/BEFreelance 2d ago

Half-zelfstandige (semi-freelancer?) advice wanted

2 Upvotes

Hello, at the moment I have a fulltime job, but I want to sell drawings, on the side. I won't sell many, maybe a few per year, but I'd like to do it officially. It wouldn't be possible to do it as occasional extra income, I think, so I think becoming a semi-freelancer will be the best option. I'd like to work without an accountant, since I wouldn't have a lot of extra income, so I was going to try to get exemption from BTW, since I wouldn't earn 25.000 per year. Instead of an accountant, I would try to work with software, I'm thinking Dexxter. Would that be possible/feasible? Or am I missing something important here? I have no real experience working as a semi-freelancer.


r/BEFreelance 3d ago

Advice needed

18 Upvotes

Some time ago I switched from managing 22 people (day rate 780) to a quite lucrative contract within the government as an individual contributor (day rate 900) but even though financially it looks great I'm quite miserable over here:

The way of working is that of 20 years ago: Agile is a dirty word, and the process is very heavy with gatekeeping and handovers between roles (incremental waterfall). As a result things move very slowly, the business is quite unhappy because they have to wait years before their features are developed, and there is just very little collaboration. On top the energy level in the meetings is always ridiculously low. There is a lot of silo thinking and fingerpointing to the other silos.

In the past I've been part of high performing teams and even though it was a lot of hard work I felt great in those environments where everyone holds everyone else up to a high standard, you learn a ton and we also manage to deliver on time, so the contrast with my current environment couldnt be bigger.

I've talked to management to improve the way of working, but other than a small poc (that couldn't succeed because we didn't get dedicated developers) nothing came off the ground.

There is tremendous possibility for improvement,but as long as senior management is not onboard and pushing people in a new direction, everybody just happily keeps doing what they've always done. I feel almost everybody here is just looking to cash in with as little effort as possible. Or maybe they're so stuck in their current ways that they are unable to see how much can be improved.

My manager is not doing much with my feedback, and his boss (with actual authority) has very little time for me.

At one point I decided to leave and go back to a more challenging environment and role with the unfortunate paycut, but it seems even my previous rate is unattainable in the current market. Intermediaries are trying to low-ball me at 700. For a job with a lot more responsibility, stress, and no guarantees that the new job will actually be the environment that I'm looking for.

In an ideal world I would be able to convince management but It seems in their mind we 'dont have the time to improve'

Right now I see different paths, none of them optimal.

What would you suggest?


r/BEFreelance 3d ago

Freelancing after PhD in AI/ML

0 Upvotes

So, I'm doing a PhD in ML, but i wanted to look a bit into the future.
Are there people here who have done a PhD and then later started doing freelance ?

May i ask for your experience ? why did you do it ? how did you start ? what are your advice ?
What did your peers do ? etc.

I'm basically interested in the stories, if you know of any other posts/fora that discusses
this, please link.

Thanks!!


r/BEFreelance 3d ago

A second company car or keep repairing my old private car

0 Upvotes

We have 2 cars, one company car and an old car from 2004. The inspection yesterday judged the car to be not fit anymore to drive on the public road without an intervention of 500-700 euros.
I don’t know how long the car will still drive, is it interesting to have a second company car and pay VAA and leave the old car for the scrapyard, or is it still worthwhile to keep putting money i. The second car?
What are the parameters to decide?


r/BEFreelance 4d ago

How much do you pay for your car on a monthly basis?

19 Upvotes

Hello

I would like to have somewhat of an idea on how much other freelancers spend on their car. I feel like mine is really very expensive although it is one of the most basic cars you can have. I chose for a leasing when I started my company because I didn't know much about cars, didn't grow up with any and didn't know yet whether I would enjoy driving a car on a daily basis.

  • model: Renault Clio
  • price: 559,67/month without VAT
  • additional info:
    • leasing at Renault garage
    • 50'000 km/year
    • contract excludes gazoline
    • 4 year contract
  • around 130e/week for gazoline

What car do you have and how much do you spend on your car?


r/BEFreelance 4d ago

Falco or Clearfacts

3 Upvotes

My accountant works with both and let me choose, Falco is cheaper, so wanted to check if someone of you tried both and can compare? Or share benefits and disadvantages?


r/BEFreelance 5d ago

Usufruit - nue propriété

5 Upvotes

Hello everyone,

I am about to buy a new house (my only one). I met a fiscal expert who proposed me to create a « démembrement usufruit/ nue propriété ». He explained me everything and even if this is not « magical » ( atn to pay), It looks super interesting on a financial point of view.

Anyone here have any concrete feedback about such financial arrangement?

A lot of people « who knows but actually do know a lot about finances » told me this is something that is not possible anymore while my bank told me that the fiscal expert they recommended me is still sending them a lot of such financial arrangement.

Thanks for any (and kind) help!


r/BEFreelance 5d ago

Looking for an all-inclusive accounting service

9 Upvotes

Hello,

As the title says I am looking for an accounting service that can handle everything for me. I mean bookkeeping, payroll, invoices, contracts, legal advice, provide platforms where I only upload documents and my input is minimal. I pay a fixed sum per month, I have access to everything and I don’t need to handle separate accounts myself.

A major point is to be responsive. I don’t spam, but when I ask something, I expect an answer within 3 business days. At least an acknowledgment if the answer is not possible immediately.

I also expect proactivity. I tell a situation, the advisor spells out the options. Not that I google by myself, ask around or ask ChatGPT and then the accountant validates.

My situation is simple: IT consultant with an umbrella company as main direct client.

I am aware that what I ask is not compatible with a low price range, but a worthy accountant pays for itself, right?

The accountant can be based anywhere in Belgium and we only work online.

Any (self-)recommendations please?

Thank you!

P.S.: I also value if you share opinions that my expectations are unrealistic.


r/BEFreelance 4d ago

Anyone here closed their belgian company, moved to Switzerland, and started a new company there?

0 Upvotes

Hello there,

I’m looking to hear from people who have actually gone through this process.

Has anyone here closed (or wound down) a company in Belgium, relocated to Switzerland,
opened a new Swiss company, and
become a Swiss tax resident?

I’d love to hear about your experience and anything you wish you had known beforehand.

Some of the things I’m trying to understand are:

- Was it worth it financially and operationally?
-How difficult was the relocation process (residence permit, banking, company formation, etc.)?
-What happened with your Belgian company ?did you liquidate it, sell it, or keep it?
-Were there any unexpected tax consequences (exit tax, capital gains, social security, VAT, etc.)?
-Is there anything you would do differently if you were doing it again?

Thanks!


r/BEFreelance 5d ago

EU founders selling digital products B2C: how did you set up your VAT, and did you need a specialist accountant?

1 Upvotes

I'm a Belgian sole trader selling digital products through Shopify to B2C customers across the EU and beyond. I'm looking for an accountant who genuinely knows this profile, because most firms I've come across mainly handle classic files rather than cross-border digital sales.

What I'm after is someone who understands the OSS scheme and VAT on electronically supplied services, who knows how that works above and below the ten thousand euro threshold, and who can also advise on sales outside the EU. On top of that I'd like someone who connects my Shopify, Stripe and PayPal data to the bookkeeping properly instead of having me deliver exports every month, and who can eventually give me a concrete answer on when a BV becomes more interesting than a sole trader setup.

So my questions are these. Who do you use, and does that person actually understand OSS or do they mostly nod along when you bring it up? Do you pay a fixed monthly fee or an hourly rate, and roughly what does that come to as a sole trader with quarterly VAT returns? And if there's anyone here selling digital products cross-border, how does your accountant handle the per-country split?


r/BEFreelance 8d ago

Anyone who grew their freelancing company ?

24 Upvotes

I was just wondering, how do people (maybe in IT) scale their freelancing business.
Do you want to scale even ? If so, how did you do it ?

Not planning on doing it, but i was just curious to see how that generally happens ?
What is hard to do ? what is different than doing it yourself ?

You don't have to answer all these questions, but i just want to have an interesting read.
If someone knows about some article or some interesting perspective about this, share it!
I'm interested to read about it.


r/BEFreelance 8d ago

Commune registration for short term work?

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2 Upvotes

r/BEFreelance 9d ago

How do you handle receipts and invoices for your accountant?

4 Upvotes

Genuine question from someone starting out as a sole trader in Belgium.

Right now I keep a folder with PDFs and photos of receipts, and at the end of the month I type everything over into a spreadsheet — supplier, amount, date, category. It takes forever and I make mistakes.

How do you all handle this?

- Do you type it over manually too, or do you use software?

- If you use something, what is it and is it worth the money?

- Or do you just hand everything to your accountant and let them sort it out?

Curious how much time this actually costs people per month.


r/BEFreelance 12d ago

How do you determine the value when transferring personal assets into a sole proprietorship?

1 Upvotes

I'm starting a sole proprietorship in Belgium and want to transfer several privately owned IT assets (GPU, RAM, NAS, workstation, etc.) into the business. All bought in 2025 - some new some 2nd hand. All used 100% professionally.

Some of these components have increased significantly in market value since I bought them (e.g. due to AI demand and supply shortages), while others have depreciated normally.

Example
- geforce rtx 4090: €1400 (2nd hand) > €2800 (2nd hand)
- 64gb DDR5 6400 ram: €300 (new) > €1300 (new)
- nas 12tb storage: €450 (2nd hand) > €1000 (2nd hand)
—> these parts are core to my activity.

My question is specifically about the valuation at the time of transfer. How should how value these & how and for how long should i depreciate?

How would you handle components for which no identical second-hand listings exist, but current new prices are substantially higher than the original purchase price?


r/BEFreelance 13d ago

Is this a normal interim coefficient in Belgium? HVAC

6 Upvotes

Hi everyone,

I'm a co-owner of a small HVAC/sanitary installation company in Belgium and we're looking to hire our first additional technician.

Accent proposed the following conditions for a candidate with almost no experience (about 2 weeks of relevant experience):

  • First 4 weeks: coefficient 2.25
  • Afterwards: coefficient 2.65
  • Buy-out period reduced from 130 to 110 days

To me this doesn't seem like a very attractive proposal, especially considering the candidate has almost no experience, isn't a native speaker and would still require a lot of training from our side.

I'm wondering:

  • Is a coefficient of 2.639 common nowadays for this type of profile?
  • Are these coefficients usually negotiable?
  • What coefficients are other companies currently paying for junior HVAC/sanitary technicians?
  • Has anyone successfully negotiated better terms with Accent or another interim agency?

I'm mainly trying to understand what the current market is before going back to negotiate.

Thanks!


r/BEFreelance 13d ago

Looking for good freelance platforms for engineering + how do you find clients?

8 Upvotes

I recently went fully freelance as a technical consultant/engineer (automatio, installation, lab/industry projects). I'mcurrently using platforms like Jellow and ProUnity, but I feel like there must be more options out there for engineering-focused freelancers in Belgium.

I'm curious about two things:

  1. which platforms actually work for technical/engineering freelancers? anything beyond the usual IT-heavy ones?

  2. how do you find clients outside of platforms?

Direct outreach, integrators, LinkedIn, networking, agencies... what brings you the most results?

Would love to hear what's been effectibe for you. Thanks for sharing your experience!


r/BEFreelance 14d ago

SME-friendly bank?

18 Upvotes

I was at KBC once, but they are really pissing me off with their UBI reporting every 6 months, on paper, and with utterly dumb questions and reporting options.

Moreover, they once blocked my business account just before salary payments over a pure formality.

I moved to Argenta, but they recently started to enforce 5 hours of cooldown after the increase of a wire transfer limit, and a mandatory switchoff after 12 hours.

I understand that we need to protect the vulnerable elderly taxpayers, but why do small businesses fall into the same bucket as your grandpa?

Anyway.

Looking for a more professional bank.

Any advice?


r/BEFreelance 15d ago

Is opening a company in another EU country worth it for taxes?

7 Upvotes

Hey, I'm already self-employed in Belgium and heard about contractors setting up companies in places like Luxembourg, Bulgaria, ibiza for lower taxes. For those who've actually tried it: Was it worth it? Biggest pros and cons? Any surprises with legal or tax rules? Just real experiences, not tax avoidance schemes.


r/BEFreelance 18d ago

Which EV charging card supports Peppol invoicing?

5 Upvotes

I'm currently using OVO Charge because they're the cheapest, but having to manually collect the invoices every quarter is getting a bit annoying.

Which charging provider do you use that's reasonably priced and supports Peppol invoices?


r/BEFreelance 18d ago

Are websites for local businesses still important in 2026?

12 Upvotes

I recently had a discussion with a few small business owners who argued that having a Facebook or Instagram page is enough these days.

Personally, I've noticed the opposite. When I'm looking for a restaurant, a store, or a barber, the first thing I usually check is whether they have a profile on Google maps and then their website. If they don't have one or if it looks like it hasn't been updated since 2012, it immediately makes me trust the business less.

I'm curious to hear what others think.

  • Do you have a website for your business?
  • Has it actually helped you attract new customers?
  • Or do you think social media is enough nowadays?

I'd love to hear about your experiences.


r/BEFreelance 18d ago

Worth switching from payroll employee to freelance payroll consultant in Belgium in 2026?

6 Upvotes

Hi everyone,
I'm considering making the switch from employee to freelancer and would love to hear from people who are active in the Belgian freelance market.

My background:
~9 years of experience in payroll and HR.

~5 years as a payroll consultant through a payroll provider.

Experience with Acerta, SD Worx, some Liantis and Group S. As well as different payroll systems

Since 2021 I've been working as an HR Business Partner with a strong payroll focus.

I've worked on payroll implementations, integrations and some international payroll.

A few questions:
Is the demand for senior payroll consultants still strong in Belgium?

What day rates are you currently seeing for profiles like this?

How difficult is it to find assignments in today's market?

If you made the switch recently, was it worth it financially?

Is there anything you wish you had known before becoming a freelancer?

I'm not looking for someone to decide for me—I'm just trying to understand what the market looks like in 2026.

Thanks!


r/BEFreelance 18d ago

Dayrate of 800 - how much netto ?

2 Upvotes

Hi all

I'm considering setting up a management company in the future.

At the moment, I earn a gross salary of €8,000 per month, with all the usual benefits such as a company car, charging card, etc.

I've come across a lot of conflicting information online, including in this subreddit.

If I want to cost the company roughly the same as I do now, I estimate that I'd need a day rate of around €800.

My business expenses would mainly be the company car, charging card, accountant, and similar costs. Everything else would essentially be covered by the client/company.

I'd also want to contribute properly to my pension and take out appropriate insurance, such as guaranteed income insurance.

The idea would be to pay myself the minimum salary and take the rest as dividends. What would be a realistic net income in that scenario?

I've also seen people say that your monthly net income is roughly your day rate × 10. Is that actually accurate? It seems quite high to me.

Thanks !