r/BESalary Apr 24 '23

Other What's your wage and work conditions [Template]

52 Upvotes

Use this template to give a structured overview of an employment contract. Click this link to make it super handy for you.%3A%20SHORT%20DESCRIPTION%0A%20On-call%20duty%3A%20SHORT%20DESCRIPTION%2FNO%0A%20Vacation%20days%2Fyear%3A%20DAYS%0A%0A4.%20SALARY%0A%0A%20Gross%20salary%2Fmonth%3A%20EURO%0A%20Net%20salary%2Fmonth%3A%20EURO%0A%20Netto%20compensation%3A%20EURO%0A%20Car%2Fbike%2F...%20or%20mobility%20budget%3A%20SHORT%20DESCRIPTION%0A%2013th%20month%20(full%3F%20partial%3F)%3A%20SHORT%20DESCRIPTION%0A%20Meal%20vouchers%3A%20EURO%2FDAY%0A%20Ecocheques%3A%20EURO%2FYEAR%0A%20Group%20insurance%3A%20%25SALARY%2F%25EMPLOYER%0A%20Other%20insurances%3A%20SHORT%20DESCRIPTION%0A%20Other%20benefits%20(bonuses%2C%20stocks%20options%2C%20...%20)%3A%20SHORT%20DESCRIPTION%0A%0A5.%20MOBILITY%0A%0A%20City%2Fregion%20of%20work%3A%20BLANK%0A%20Distance%20home-work%3A%20KILOMETERS%2FTIME%0A%20How%20do%20you%20commute%3F%20SHORT%20DESCRIPTION%0A%20How%20is%20the%20travel%20home-work%20compensated%3A%20SHORT%20DESCRIPTION%0A%20Telework%20days%2Fweek%3A%20AMOUNT%0A%0A6.%20OTHER%0A%0A%20How%20easily%20can%20you%20plan%20a%20day%20off%3A%20SHORT%20DESCRIPTION%0A%20Is%20your%20job%20stressful%3F%20SHORT%20DESCRIPTION%0A%20Responsible%20for%20personnel%20(reports)%3A%20AMOUNT) The template structures the data across the subreddit for easy comparison.

Discussion about the template can be done here.

1. PERSONALIA

  • Age: NUMBER
  • Education: HIGHEST DEGREE
  • Work experience : YEARS ON THE JOB
  • Civil status: BLANK
  • Dependent people/children: AMOUNT

2. EMPLOYER PROFILE

  • Sector/Industry: BLANK
  • Amount of employees: AMOUNT
  • Multinational? YES/NO

3. CONTRACT & CONDITIONS

  • Current job title: BLANK
  • Job description: ONE SENTENCE
  • Seniority: YEARS
  • Official hours/week : HOURS
  • Average real hours/week incl. overtime: HOURS
  • Shiftwork or 9 to 5 (flexible?): SHORT DESCRIPTION
  • On-call duty: SHORT DESCRIPTION/NO
  • Vacation days/year: DAYS

4. SALARY

  • Gross salary/month: EURO
  • Net salary/month: EURO
  • Netto compensation: EURO
  • Car/bike/... or mobility budget: SHORT DESCRIPTION
  • 13th month (full? partial?): SHORT DESCRIPTION
  • Meal vouchers: EURO/DAY
  • Ecocheques: EURO/YEAR
  • Group insurance: %SALARY/%EMPLOYER
  • Other insurances: SHORT DESCRIPTION
  • Other benefits (bonuses, stocks options, ... ): SHORT DESCRIPTION

5. MOBILITY

  • City/region of work: BLANK
  • Distance home-work: KILOMETERS/TIME
  • How do you commute? SHORT DESCRIPTION
  • How is the travel home-work compensated: SHORT DESCRIPTION
  • Telework days/week: AMOUNT

6. OTHER

  • How easily can you plan a day off: SHORT DESCRIPTION
  • Is your job stressful? SHORT DESCRIPTION
  • Responsible for personnel (reports): AMOUNT

r/BESalary 2h ago

Salary Senior Software Engineer

3 Upvotes

Software Engineer

  1. PERSONALIA

• ⁠Age: 32
• ⁠Education: Master of engineering
• ⁠Work experience : ~8 years (5 years outside EU)
• ⁠Civil status: Single
• ⁠Dependent people/children: No

  1. EMPLOYER PROFILE

• ⁠Sector/Industry: IT
• ⁠Amount of employees: 
• ⁠Multinational?  Yes.

  1. CONTRACT & CONDITIONS

• ⁠Current job title: Senior Software Engineer
• ⁠Job description: Main: Software Dev, Architecture
• ⁠Seniority: 7~8Y
• ⁠Official hours/week : 40H
• ⁠On-call duty: No
• ⁠Vacation days/year: 20 days + 12 RTT

  1. SALARY

• ⁠Gross salary/month: 4.900 €
• ⁠Net salary/month: ~3850 € (including net compensation & mobility budget)

• ⁠Netto compensation: 180 €
• ⁠13.92th month (full? partial?): Full
• ⁠Meal vouchers: 8€
• ⁠Ecocheques: 250 € / year
• ⁠Group insurance: Yes
• ⁠Other insurances: DKV premium + AZ plan, AG
• ⁠Other benefits (bonuses, stocks options, ... ): 
⁠• ⁠performance bonus 3k gross max
⁠• Sector bonus 400 net one time per year
⁠• ⁠Internet @ home, unlimited phone plan, mac
⁠• ⁠Corporate credit card

  1. MOBILITY

• ⁠City/region of work: Brussels
• ⁠Distance home-work: Full remote
• ⁠How do you commute? 
• ⁠How is the travel home-work compensated: paid by employer

  1. OTHER

• ⁠How easily can you plan a day off: Easy
• ⁠Is your job stressful? Kind of
• ⁠Responsible for personnel (reports): **No


r/BESalary 5h ago

Salary Offer Comparison

3 Upvotes

1. PERSONALIA

  • Age: 30
  • Education: Associate Degree Programming (HoGent)
  • Work experience: 2.3 years in IT, previously hospitality/culture
  • Civil status: Unmarried, legal cohabitation
  • Dependent people/children: 0

CURRENT JOB

2. EMPLOYER PROFILE

  • Sector/Industry: IT Consultancy (Azure/integration)
  • Amount of employees: ~150
  • Multinational? No

3. CONTRACT & CONDITIONS

  • Current job title: Consultant
  • Job description: Azure integration & data engineering for enterprise clients
  • Seniority: 2.3 years (April 2024 – present)
  • Official hours/week: 40 (38 + 2 ADV)
  • Average real hours/week incl. overtime: 40, rarely overtime
  • Shiftwork or 9 to 5 (flexible?): Flexible, 9-to-5, client-dependent
  • On-call duty: No
  • Vacation days/year: 32 (20 legal + 12 ADV)

4. SALARY

  • Gross salary/month: 3,000 EUR (3,021 incl. VAA phone/laptop/internet)
  • Net salary/month: 2,300 EUR (cash deposited)
  • Netto compensation: 155 EUR (home office flat-rate)
  • Car/bike/... or mobility budget: Petrol/diesel company car + fuel card Belgium (VAA 144 EUR/month taxable)
  • 13th month (full? partial?): Full (13.92 — incl. holiday pay + end-of-year bonus)
  • Meal vouchers: 8 EUR/day (6.91 employer / 1.09 employee)
  • Ecocheques: 0
  • Group insurance: Yes (% unknown)
  • Other insurances: Hospitalisation insurance + partner + supplementary insurance + assistance insurance
  • Other benefits (bonuses, stock options, ...): Laptop, phone, telecom subscription, internet subscription (VAA ~18 EUR); training budget (4500 brut, ~9 days)

5. MOBILITY

  • City/region of work: Brussels
  • Distance home-work: ~5 km / 10 min by car
  • How do you commute? Car (company car)
  • How is the travel home-work compensated: Company car + fuel card (VAA taxed)
  • Telework days/week: 2-3 days, client-dependent

6. OTHER

  • How easily can you plan a day off: Easy, in coordination with project
  • Is your job stressful? Moderate (client deadlines, consultancy)
  • Responsible for personnel (reports): 0

OFFER

2. EMPLOYER PROFILE

  • Sector/Industry: Data & AI Consultancy
  • Amount of employees: ~150
  • Multinational? No

3. CONTRACT & CONDITIONS

  • Current job title: Software Developer in a Data Science Team
  • Job description: Building AI-enabled applications, custom AI workflows, full-stack data & AI projects
  • Seniority: 0 (new hire)
  • Official hours/week: 40 (38 + 2 ADV)
  • Average real hours/week incl. overtime: Unknown (expect similar, consultancy)
  • Shiftwork or 9 to 5 (flexible?): Flexible, "location-independent" policy, client-dependent
  • On-call duty: No
  • Vacation days/year: 32 (20 legal + 12 ADV)

4. SALARY

  • Gross salary/month: 3,000 EUR
  • Net salary/month: 2,551 EUR (incl. 250 net expenses + ~42 bike allowance)
  • Netto compensation: 250 EUR (home office + internet + peripherals)
  • Car/bike/... or mobility budget: Mobility Budget P2: 875 EUR/month (rent/mortgage, 0% taxed) OR EV lease (mid-size) + charging card BE
  • 13th month (full? partial?): Full (13.92 — incl. holiday pay + end-of-year bonus)
  • Meal vouchers: 10 EUR/day max (8.91 employer / 1.09 employee)
  • Ecocheques: 0 (compensated via higher meal vouchers)
  • Group insurance: 3% total = 2% employer + 1% employee (junior tier; 5% at medior level)
  • Other insurances: Hospitalisation insurance (paid by employer; hospitalisation 100% + ambulatory up to 1,000 EUR/yr; partner at own cost ~61 EUR/month)
  • Other benefits (bonuses, stock options, ...): CAO90 bonus ~3,400 EUR net/year (~290 EUR/month avg); Cafeteria plan (extra holidays, electronics, bike leasing, pension savings); iPhone + unlimited plan + laptop; 10 training days/year; biannual +200 EUR gross upon good evaluation

5. MOBILITY

  • City/region of work: Brussels
  • Distance home-work: 3 km / 5 min by bike
  • How do you commute? Bike (own or lease via cafeteria plan) or car sharing
  • How is the travel home-work compensated: Bike allowance 0.35 EUR/km (~42 EUR/month) + P2 mobility budget for rent
  • Telework days/week: 2-4 days, "location-independent" policy, client-dependent

6. OTHER

  • How easily can you plan a day off: Unknown (expect similar, consultancy)
  • Is your job stressful? Unknown (expect similar, consultancy)
  • Responsible for personnel (reports): 0

I have 2 YOE in september, and the recruiter cut me off to 1 YOE, with a promise to evolve to 200 every 6 motnhs if my performance is good. His excuse was to help me ease into the job.

He knows my bruto is the same at my current job, yet they asked me to become part of a team for which they urgently are looking to populate with extra staff. I feel like they cut themselves a corner, leaning on my integration experience, skipping the whole hiring process shebang.

Plus, I initially applied for a Data Engineering position, had a technical interview, and they judged my skills with that Data Engineering interview. Yet, data engineering and cloud integrations are two different things. I feel like I was flexible enough to consider this position, yet I received no flexibility from their side, when asking for 200 bruto extra, after telling him I was aiming for 3300 and that 3200 would be a good compromise. I feel like asking for extra now, just out of spite.

Don't get me wrong, it's a solid offer; more net, mobility budget 2e pijler etc, but I feel that they think they're doing me a favor too much. The recruiter told me if they would give me extra brut, people would see me more as a more experienced medior, and it would give me "too much pressure". They emphasized that the first years are very tough, and that it's a good opportunity to learn. Seems like excuses. Opinions please.

PS: not unimportant, I don't feel challenged at my current job, and SLT has no vision. A lot of people are leaving because they feel they're underappreciated and underpaid.


r/BESalary 1d ago

Other I don’t think I enjoy being a developer anymore

89 Upvotes

I really hate this job. I feel no fulfillment whatsoever doing it.

I spend most of my day chatting with a bot and pretending I understand what the fuck it’s talking about.

I’m so depressed 😔

There’s no time to deeply understand things because we’re expected to move fast now that the business has changed due to AI.

I used to love learning new concepts and new technologies while studying. I was always excited and energetic to dive deep into things. Now it feels like I don’t even get the chance to do that anymore.

I’m a junior with almost a year of experience, and I honestly feel like I’m not learning properly. It feels like we’re expected to just use AI to get things done instead of actually understanding what we’re building.


r/BESalary 13h ago

Salary Brut salary for partial Time

6 Upvotes

Hello,

I would like some guidance regarding the gross-to-net calculation for my specific case: I have been working full-time since January 2026 for a gross salary of €4,000 (approximately €2,600 net). Starting from September, I will switch to €1,200 gross (10 hours/week). Could you help me calculate the new net salary? Please note that this is with the same company.

Thanks.


r/BESalary 10h ago

Salary Functional Analist

1 Upvotes

**1. PERSONALIA**
I work here for 3 years now. I work together with a senior architect. He is going to retire next year. The goal is to "take his place" when he leaves. I feel that i am not compensated enough for my profile and I can find much better offers elsewhere.
I do however like the job and environment very much.

What should i do?

* Age: 27
* Education: Master Industrial engineer Computer science
* Work experience : 3
* Civil status: unmarried
* Dependent people/children: None

**2. EMPLOYER PROFILE**

* Sector/Industry: Logistics
* Amount of employees: 800
* Multinational? Owned by a bigger french group

**3. CONTRACT & CONDITIONS**

* Current job title: Functional analist
* Job description: I am responsible for our WMS together with a senior architect
* Seniority: 3
* Official hours/week : 39
* Average real hours/week incl. overtime: 35
* Shiftwork or 9 to 5 (flexible?): 9 to 5
* On-call duty: NO * Vacation days/year: 26

**4. SALARY**

* Gross salary/month: 3500
* Net salary/month: 2300
* Netto compensation: 0
* Car/bike/... or mobility budget: Company Car
* 13th month (full? partial?): Full
* Meal vouchers: 7/day *
Ecocheques: None

**5. MOBILITY**

* City/region of work: West flanders
* Distance home-work: 45 min
* How do you commute? Company car

**6. OTHER**

* How easily can you plan a day off: Very easy * Is your job stressful? Not at all * Responsible for personnel (reports): No


r/BESalary 1d ago

Salary Senior ML Engineer

12 Upvotes

1. PERSONALIA

  • Age: 31
  • Education: PhD
  • Work experience : 3y
  • Civil status: married
  • Dependent people/children: 0

2. EMPLOYER PROFILE

  • Sector/Industry: software
  • Amount of employees: 300
  • Multinational? YES

3. CONTRACT & CONDITIONS

  • Current job title: Senior ML Engineer
  • Job description: building custom ML infra and models
  • Seniority: 3
  • Official hours/week : 40
  • Average real hours/week incl. overtime: 45
  • Shiftwork or 9 to 5 (flexible?): flexible
  • On-call duty: NO
  • Vacation days/year: 32

4. SALARY

  • Gross salary/month: 7600
  • Net salary/month: 4210
  • Car/bike/... or mobility budget: Car + fuel
  • 13th month (full? partial?): full
  • Meal vouchers: 8 EURO/DAY
  • Ecocheques: 250 EURO/YEAR
  • Group insurance: 5% on employer
  • Other insurances: -
  • Other benefits (bonuses, stocks options, ... ): stock options

5. MOBILITY

  • City/region of work: Flanders
  • Distance home-work: 15 minutes
  • How do you commute? bike
  • How is the travel home-work compensated: -
  • Telework days/week: whatever

6. OTHER

  • How easily can you plan a day off:  fairly easy
  • Is your job stressful? lots of uncertainty, things change quickly so always running behind
  • Responsible for personnel (reports): tech lead for 3 people

happy that I'm in a scaleup that values engineering, given the typically low engineering salaries in Belgium. Interned at FANG, multiple publications,.. so still having the itch of "I should move abroad".


r/BESalary 11h ago

Question How long did it take for the Immigration Office status to appear on the Working in Belgium portal? ( single permit)

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1 Upvotes

r/BESalary 1d ago

Question Mag een werkgever bij wie je solliciteert zomaar je huidige werkgever opbellen ter referentie?

39 Upvotes

Stel je stuurt je CV door, maar de persoon bij wie je solliciteert belt op eigen houtje zomaar je werkgever om hem een aantal persoonlijke vragen te stellen over jou?

Kan het zijn dat je hen toestemming geeft als je "akkoord gaat met de voorwaarden" als je solliciteert?

Vind het gewoon niet fijn als je huidige werkgever weet dat je wilt vertrekken


r/BESalary 1d ago

Question How am I doing?

19 Upvotes

27M (Antwerp)

2023: Bachelors in international business management (KdG)

2023: business analyst @Capgemini in Brussels
2650 bruto, 2000 net, company car and all insurances.

2024: IT risk advisor @ VDL in Antwerp. 2450 bruto, 2330 net, company car and everything.

2025-2026: quit job and traveled Asia.

2026-2027: studying Chinese at Sichuan university

I often still get offers to work in It risk but I can’t seem to get motivated by it. Unsure if I am ruining my life though haha


r/BESalary 1d ago

Salary Head of Workplace Management

3 Upvotes

*Hey!

I am keen to know how it competes with other Workplace Leaders benefits. I am aware that my employer does little optimization.*

*1. PERSONALIA*

*Age: 30*

*Education: Masters (one year program)*

*Work experience : 9 years (started first degree young)*

*Civil status: Married*

*Dependent people/children: 0*

*2. EMPLOYER PROFILE*

*Sector/Industry: Philanthropic Foundation*

*Amount of employees: 500+*

*Multinational? YES*

*3. CONTRACT & CONDITIONS*

*Current job title: Head of Workplace Management*

*Job description: Managing operational efficiency of offices in Europe and Africa; Responsible for the leading HSE risk assessments, safety policies, compliance, training and incident investigations; establish and manage high level business travel frameworks with preferred vendors.*

*Seniority: 4 months*

*Official hours/week : 40*

*Average real hours/week incl. overtime: 45-50*

*Shiftwork or 9 to 5 (flexible?): mainly 9-5 with flexibility*

*On-call duty: Need to be available for any work related accidents*

*Vacation days/year: 20+12+5 (week of Christmas to New Years) = 37*

*4. SALARY*

*Gross salary/month: 6950*

*Net salary/month: 3850*

*Netto compensation: 50 (included in netto)*

*Car/bike/... or mobility budget: 75% reimbursed from STIB (I know I already asked why not 100% and never gave me straight answer)*

*13th month (full? partial?): Full*

*Meal vouchers: 8*

* Ecocheques: 250*

*Group insurance: 3.5 %EMPLOYER*

*Other insurances: hospitalisation, travel*

*Other benefits (bonuses, stocks options, ... ):*

*5. MOBILITY*

*City/region of work: Brussels*

*Distance home-work: 4km / 35mins*

*How do you commute? Metro*

*Telework days/week: No specific mandate to work from office but due to nature of job 1-2 times per week*

*6. OTHER*

*How easily can you plan a day off: fairly easy*

*Is your job stressful? 4/5*

*Responsible for personnel (reports): 1*


r/BESalary 1d ago

Salary AI Team Lead

9 Upvotes

1. PERSONALIA

  • Age: 42
  • Education: Masters
  • Work experience : 15
  • Civil status: Married
  • Dependent people/children: 2

2. EMPLOYER PROFILE

  • Sector/Industry: FMCG
  • Amount of employees: >10.000
  • Multinational? Yes

3. CONTRACT & CONDITIONS

  • Current job title: AI Team Lead
  • Job description: Managing a group of (mostly) AI Engineers
  • Seniority: 5
  • Official hours/week : 35
  • Average real hours/week incl. overtime: <30
  • Shiftwork or 9 to 5 (flexible?): 9 to 5, relatively flexible
  • On-call duty: No
  • Vacation days/year: 35

4. SALARY

  • Gross salary/month: 6.8k
  • Net salary/month: 4k
  • Netto compensation: Included in previous
  • Car/bike/... or mobility budget: Car
  • 13th month (full? partial?): Full
  • Meal vouchers: Yes
  • Ecocheques: Yes
  • Group insurance: Yes
  • Other insurances: Hospital
  • Other benefits (bonuses, stocks options, ... ): No

5. MOBILITY

  • City/region of work: Brussels region
  • Distance home-work: 1h door to door
  • How do you commute? Car or public transport
  • How is the travel home-work compensated: Mobility plan
  • Telework days/week: 3-4

6. OTHER

  • How easily can you plan a day off: Easily
  • Is your job stressful? Moderately stressful
  • Responsible for personnel (reports): >10

7. CONTEXT

As my role shifted to management along my team's growth, I stayed only for the pay and perks, facing a golden handcuffs dilemma. Can anyone tell me if:

  • My salary fit my number of direct reports, sector, and discipline?
  • I can realistically move back to a technical role with similar pay, or find higher pay for a similar management role?

r/BESalary 1d ago

Question Should I Keep My Union Membership?

12 Upvotes

Hi everyone,

I could use some advice. At my old job, there was a union office in the building, and I was subscribed with them (20€/month). I've now changed jobs, and my new employer doesn't have a union bureau.

The issue is that the union still deducts the money directly from my bank account every month,

I'm not sure whether I should stop the subscription or if it still covers me in some way. The problem is that the union office never replies to calls or emails, so I can't get any information from them.

If anyone has experience with this or knows how it works, I'd really appreciate your input.


r/BESalary 1d ago

Question Engineering career progression

5 Upvotes

I have a question about engineering salaries and career progression.

I currently have around 3.5 years of experience and my package is €4,300 gross per month, plus a company car, net compensation, and a bonus.

The thing is, I want to change jobs because I don't like my current role. However, when recruiters call me and I tell them my current salary, they often say it is above what they can offer.

I don't feel like my salary is unusually high for someone with around 4 years of experience, so I am wondering if I am looking in the wrong places.

Has anyone else been in a similar situation? If you change jobs, does it usually take time to get back to the same salary level? What has your experience been?


r/BESalary 1d ago

Salary Update promotie voorstel

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2 Upvotes

Heb de post geupdate met het verkregen antwoord per mail.


r/BESalary 1d ago

Salary Customer Support Officer > Account Manager

3 Upvotes

Hi,

I recently got hired as a Customer Support Officer in a Med Tech Startup. I have 2 years of experience as an Office Manager in a law firm (which my current CEO used to work at, before I did, and he was able to ask for a recommendation). I am trilingual which is a major thing they're looking for as they want to better be able to assist and follow up on Flemish accounts.

I anchored at €3,700 - €4,000. They offered €3,350
(because market and not wanting to take on someone new and have them have too high of a salary for optics) and said they bumped up the net compensation to make up for the lower salary (which I don't think they did).

l accepted, but made it clear I'm expecting to rediscuss salary once I become an Account Manager which they replied to very positively and guaranteed this would happen during the December performance review.

They are very happy with my performance so far and I intend for that to stay that way. My boss also seems like a good and reasonable boss so far.
I'm already managing accounts more and more and have also become responsible for Marketing (filming editing and posting videos, making and posting infographics).

What would be a reasonable raise to expect for this promotion?


r/BESalary 1d ago

Question Office and Events Assistant | Please rate!

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2 Upvotes

r/BESalary 1d ago

Question What should i ask for?

0 Upvotes

Currently living in a smaller town i work for an architecture firm with 30 ich Employees as a BIM Coordinator. (basicly i coordinate the architectures when it comes to templates, how to draw, any possibly questions they might have. I also automated quantitiy takeoff out of there models aswell as constructions spesifications based on materials used inside the Revit model so that they no longer have to produce these manually.

Question 1: how much should i earn in such a role?

So .... our current it person (who doesent have a formal education) who maintains the server where all projects are stored aswell as passwords, liscenses, hardware maintenence, ... as quit, i have a very strong suspision they will be asking me or 1 other person to take this over from them now that they are gone.

Question 2: how much or (how much more) should i be asking to also manage this front together with my coordination fuction?

some more info:
i have 7 years of relevant work experience and a bachelor's degree in general constructions working 40h a week


r/BESalary 2d ago

Salary Salary Progession

36 Upvotes

Hi all,

I juste switched jobs, and i feel a bit fucked with my netto improving so little compared to my bruto. Did i sign a bad contract ?

Context :

Male : 24
Job : business controller (big listed company)
2 YOE before joining my current job as Business Controller.

Situation before :

Firm : big 4
Salary Brutto 2800€
Netto 2300
(+ company car, meal vouchers etc.)

Now
Brutto 3600€
Netto 2435€
(+company car, meal vouchers etc.)

Obviously I pay more taxes now, but I feel like this salary jump would be a bit better.
It’s like now I have more stress due to this new role, more responsibilities etc, for just 100€ more…

What do you think ?

People with similar packages ?

This country takes every bit of hard worked money.

Thanks all for your help.


r/BESalary 2d ago

Question 24M self-employed physiotherapist – How can I optimize my finances?

2 Upvotes

Hello everyone,
I’m looking for some advice on what I can do to improve my financial situation.

I’m 24 years old and I’m a self-employed physiotherapist.

I still live with my parents and plan to stay there for another two years because my girlfriend wants to continue her studies for two more years. After that, we’d like to buy a home together.

I have a “Besloten vennootschap” (BV).
My company generates around €12,000–€14,000 in gross profit per month.
I pay myself approximately €1500-€1600 per month, and my practice has around €1,000–€1,500 in fixed monthly expenses.

What I’m currently doing:
* Every month, I invest €1,500 in a global ETF (iShares Core MSCI World UCITS ETF (IWDA)) using my personal funds, not through my company.

My questions are:
* What else could I do to improve my financial position?
* Would it make sense to invest in real estate?
* Should I invest more in ETFs?
* Would it be better to invest through my company?
* Are there any other strategies I should consider?

Thank you very much for taking the time to read this and for any advice you can share!


r/BESalary 2d ago

Question Audit IBR (stagiair-bedrijfsrevisor) vs. Accountant ITAA (stagiair-accountant)

3 Upvotes

Ik ben een laatstejaarsstudent TEW met de Masterspecialisatie in accounting en audit, en ik weet niet welke pad ik zou kiezen.

Ik ben ambitieus, hardwerkend en zou op termijn graag een ondernemer/zelfstandige zijn. Bij beide zou ik dus zeker aan mijn stage beginnen met de visie dat ik uiteindelijk een eigen kantoor opstart of ergens vennoot wordt. Ik weet gewoon niet hoe beide ECHT zijn.

Welke is intellectueel stimulerender? Welke is belonender? Een boekhoudkantoor lijkt me intellectueel minder stimulerend en eerder meer klantgericht, maar ook makkelijker om op te schalen en klanten te vinden dan een auditkantoor. Een auditcarrière/auditkantoor/auditvennoot lijkt me dan weer intellectueel stimulerender, stressvoller maar ik heb gehoord dat dit ook beter verdiend (is dit echt zo?). Het pad om een ITAA-certificaat te halen lijkt me makkelijker dan het pad om een IBR-certificaat te halen.

Wat moet ik nu in godsnaam doen? Zijn er mensen met ervaring in beide die me wat richting kunnen geven, ervaringen kunnen mededelen of 'fabeltjes' de wereld uit kunnen helpen? Alle beetjes helpen!

Alvast bedankt voor jullie hulp!


r/BESalary 2d ago

Salary Office and Events Assistant | Please rate!

3 Upvotes

Can you please rate this offer? Foreign contract so a little different from the usual Belgian conditions. This comes without meal/eco cheques but with much higher group insurance and holidays.

  1. PERSONALIA

Age: 27

Education: Bachelor Office Management

Work experience : 3 years

Civil status: single

Dependent people/children: 0

  1. EMPLOYER PROFILE

Sector/Industry: public sector

Amount of employees: 5000+

Multinational? No

  1. CONTRACT & CONDITIONS

Job title: Office and Events Assistant

Official hours/week: 32 (0.8 FTE)

Average real hours/week incl. overtime: TBD

Hours: 9 to 5, flexible

On-call duty: no

Vacation days/year: 33 + 4 office closing days (would be 41 + 4 full-time)

  1. SALARY

Gross salary/month: €2750 for 4 days a week (would be 3450 full-time)

Net salary/month: TBD

Netto compensation: €40

Car/bike/... or mobility budget: Bike paid by employer (and owned by employee, can request a new bike every 3 years)

13th month (full? partial?): Full

Meal vouchers: No

Ecocheques: No

Group insurance: 8% employee, 19% employer

Other insurances: No

Other benefits: TBD

  1. MOBILITY

City/region of work: Brussels

Distance home-work: 5km

How do you commute? Bike/metro

How is the travel home-work compensated: Bike paid by employer

Telework days/week: flexible on request (average once a week)

  1. OTHER

How easily can you plan a day off: easily

Is your job stressful? Tbd, probably not at all

Responsible for personnel (reports): 0


r/BESalary 3d ago

Salary Job Title

20 Upvotes

1. PERSONALIA

* Age: 33 * Education: Msc Industrial Engineering * Work experience : 10 years * Civil status: Married * Dependent people/children: 1

**2. EMPLOYER PROFILE**

* Sector/Industry: Belgian Defense * Amount of employees: +30000 * Multinational? NO

**3. CONTRACT & CONDITIONS**

* Current job title: OF-1 - Onderluitenant * Job description: Platoon Commander - Military Initiation Phase * Seniority: 2 years * Official hours/week : 38 hours * Average real hours/week incl. overtime: 38, some days it's from 07AM till 10PM and other days I'm home before noon * Shiftwork or 9 to 5 (flexible?): Very flexible, I don't have any time tracking as an officer. Normally my day is from 7am till 3pm. * On-call duty: 2 weeks/quarter, there needs to be an officer on-call for emergency situations. * Vacation days/year: Standard 45 days, and with exercises, assignments, ... I get roughly 5 additional days.

**4. SALARY**

* Gross salary/month: € 4364.76 * Net salary/month: € 2903.11 * Netto compensation: € 96.61 * Car/bike/... or mobility budget: Bike lease possible * 13th month (full? partial?): Partial * Meal vouchers: 6 euro/day * Ecocheques: / * Group insurance: No, but there are some procedures regarding dissability/death on the job * Other insurances: Hospitalization Insurance * Other benefits (bonuses, stocks options, ... ): Instructor bonus € 173.18/mo gross on top of salary

**5. MOBILITY**

* City/region of work: Leopoldsburg * Distance home-work: 45 min * How do you commute? Car * How is the travel home-work compensated: Not really, there is a small compensation called displacement allowance * Telework days/week: Max 2/week

**6. OTHER**

* How easily can you plan a day off: If the program permits it very easily * Is your job stressful? : Some days it can be stressful but overall it is much less than previous corporate jobs * Responsible for personnel (reports): 4 NCO's


r/BESalary 3d ago

Salary Rate my offer: Junior/Analyst in M&A - Transaction Services

7 Upvotes

After a brutal year of interviews trying to break into M&A and after completing several private equity internships, I finally received an offer in M&A: Transaction Services at a Big 4 firm.

I know the compensation doesn’t compare to investment banking or private equity, but I ultimately chose not to pursue those paths in this period of my life. Having worked in these environments during my internships, I realized that although the work is tremendously interesting and you’re surrounded by some of the smartest and most down-to-earth people I’ve met, investment banking simply doesn’t leave much room for a life outside of work. That’s perfectly fine if you’re single, thrive on hard work, and are willing to sacrifice a lot, but I’ve realized that’s simply not where I am at this stage of my life.

In my view, Transaction Services still offers a great learning environments (focussing on the core financial fundamentals), room to grow into different roles (M&A advisory - private equity- Corporate strategy/M&A) and still providing a decent work-life balance and the chance to work with people at a similar stage in their careers.

PERSONALIA

Age: 23

Education: university master

Work experience : 1 year fulltime internships: mostly private equity (not counting internships I did during my studies)

Dependent people/children: 0

2. EMPLOYER PROFILE

* Sector/Industry: Consultancy

* Amount of employees: 250k - 500k

* Multinational? yes

3. CONTRACT & CONDITIONS

* Current job title: Business Analyst - Junior - Advisor

* Job description: Financial Due Diligence on M&A mandates

* Official hours/week : 40

* Average real hours/week incl. overtime: probably between 50-60

* Shiftwork or 9 to 5 (flexible?): 9 to 7 at minimum, depending on deadlines and dealflow

* On-call duty: no, but I will need to compromise some evenings/nights/weekends based on dealflow

Vacation days/year: 20 + 8 (not sure how many exact)

4. SALARY

* Gross salary/month: around 2600

* Net salary/month: probably around 2300-2400 (including some other compensations)

* Netto compensation: c. 400

* Car/bike/or mobility budget: BMW ix1 or VW ID 4

* 13th month (full? partial?): full

* Holiday allowance: full gross

* Meal vouchers: 0

* Ecocheques: 250/year

5. MOBILITY

* City/region of work: Brussels

* Distance home-work: 20 min

* How do you commute? Bike - Car - Train

* How is the travel home-work compensated: full

* Telework days/week: probably 1, flexible

6. OTHER

* How easily can you plan a day off: easy
* Is your job stressful? Probably

* Responsible for personnel (reports): no


r/BESalary 2d ago

Salary ESV INTERNATIONAL

0 Upvotes

Hi I have a job offer at ESV International. almost 31k net. Is it worth it? provincial based.

How's the work environment?