Built by Sami Elhamdaoui

During my internship at B-sure I worked in the accounting and finance department. That is where a company's numbers show up in their most concrete form: invoices, depreciation, payslips, tax returns. And the same question kept surfacing, usually asked almost in passing: which car should we actually buy or lease?

An answer was rarely at hand. On the table were quotes with a monthly amount, and that monthly amount is precisely the one part of the cost nobody needs to calculate. The rest is scattered: part of it in corporate tax through the deduction limit, part on the director's payslip through the benefit in kind, part at the social security office through the solidarity contribution, and part again in the disallowed expenses that push taxable profit back up. Four places, four formulas, and not one document that brings them together.

The timing sharpens it. A large share of Belgian company fleets comes up for renewal between 2026 and 2028, exactly when the rules change fundamentally. From 2026 the corporate tax deductibility of new combustion cars drops to zero, while electric cars ordered before 2027 keep their full deduction. At the same time the CO₂ solidarity contribution and the minimum director's salary for the reduced SME rate both rise. Deciding by gut feeling easily costs thousands, and you only notice two tax returns later.

For my final-year project I wrote that calculation out in full and then turned it into a tool: the deduction calendar per ordering period, the gram formula for older orders, the benefit in kind with its age correction and legal minimum, the disallowed expenses with and without a fuel or charging card, and the social security contribution with its indexation coefficient. All of it in a single calculation, per year of use, with a reasoned recommendation instead of a hunch.

A final-year project normally disappears into a drawer. This one seemed too useful for that, so it became a public web application: in Dutch, French and English, free, with no limit on the number of vehicles. The calculation core is tested separately against a fully worked reference case, and the tax parameters are reviewed and updated every year after the federal budget agreement.