Financial institutions in Belgium

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AG INSURANCE

AG Insurance is a Belgian insurance company founded in 1824. It is a subsidiary of international insurance group Ageas. AG Insurance focuses mainly on insurance, pensions and real estate loans. The company has more than 2.5 million customers throughout Belgium, individuals and self-employed persons.

ALLIANZ

Allianz is an insurance group founded in 1890 in Berlin. The group offers insurance services including, fire, property and casualty and life insurance. Allianz is aimed at individuals, self-employed persons, SMEs and major companies. Allianz Benelux has more than 1,000 employees and is a subsidiary of Allianz, the global leader in insurance and asset management. It offers car, home, payment protection, family (personal accident, family insurance, death benefit), travel insurance, etc. It also offers savings, investment and lending services, in particular mortgages, construction and renovation loans.

ARGENTA

Argenta is a Belgian bank founded in 1956, with its headquarters in Antwerp. It offers a range of services covering payments (current account, credit and debit card, etc.), savings (savings account, term deposit, pension plans), investment (investment funds), loans (home loan, car loan, improvement loan, bicycle loan, personal loan) and insurance (life, family, fire, car insurance). Argenta comprises more than 1.75 million customers in Belgium and the Netherlands, more than 29.8 billion euros of loans granted to families and individuals, more than 467 branches in Belgium and more than 2,575 employees in Belgium, the Netherlands and Luxembourg.

AXA BANK

AXA Bank Belgium is a subsidiary of the Axa group. It is a bank and an insurance company offering its services to more than 100 million customers through 160,000 employees located in 62 countries. It is in 6th place in Belgium in terms of balance sheet and occupies an important position in the mortgage market. It offers services such as opening a current account, credit cards, loans (for your home, your vehicle or another project), savings services (for your pension, flexible or fixed rate), investment plans and insurance services for individuals, companies and public services.

BANK J.VAN BREDA & C°

Bank J. Van Breda & C° is a specialist advisory bank focussing specifically on freelancers and the self-employed. It is a Belgian bank founded in 1930. It can help you build, manage and protect your assets. There are more than 41 branches, with nearly 500 employees in Flanders, Wallonia and Brussels. It offers a wide range of financial products and services for day-to-day transactions (current accounts, reserve accounts, payment and credit cards, etc.), savings and investments (deposit account, investment fund, investment insurance, etc.), loans (investment loans, tax loans, fixed and variable rate mortgages, etc.).

BANQUE CPH

Banque CPH is a Belgian bank founded in 1930, with its headquarters in Tournai. There are more than 29 branches in the Walloon Region, mainly in Nivelles, Wavre, Namur and Hainaut. With more than 220 employees, this bank is described as a local community bank. This cooperative bank offers payment services as well as savings and loans (car, home, etc.).

BELFIUS

Belfius is a Belgian provider of banking and insurance services known as Dexia until 2012. Belfius has more than 3.5 million customers in Belgium. It is Number 4 in the corporate and commercial banking sector. It is in first place in the public sector with 12,000 customers. With more than 642 branches en Belgium, it offers products and services for payments (payment accounts, credit cards, etc.), savings and investments, loans (vehicle loans, real estate loans, etc.) and insurance services (vehicle, home, family, travel, etc.).

BEOBANK

Beobank is a Belgian subsidiary of the Crédit Mutuel Nord Europe group. It offers a wide range of financial products and services: current accounts, debit cards, credit cards, savings services, loans (projects, vehicles, home) and investment plans. Beobank has more than 450,000 customers, 192 branches and more than 1,100 employees.

BNP PARIBAS FORTIS

BNP Paribas Fortis has been a subsidiary of the BNP group since 2009. The bank offers a full range of financial services for individuals, self-employed persons, professionals and SMEs. It is the market leader in Belgium for mortgages. The bank has more than 17,500 employees in Belgium. It offers products and services for savings (for retirement, a home, etc.) and investment, insurance (home insurance, family insurance, vehicle insurance, etc.), assistance and loans (home loans, vehicle finance, personal loans, etc.)

BPOST BANK

Bpost Bank was founded in 1995. It is an independent Belgian bank owned equally by Bpost and BNP Paribas. In Belgium, 660 post offices offer Bpost Bank services. However, the bank is also available online. It offers its banking services to more than 1,000,000 customers throughout Belgium. It provides account management, savings and investment services. In 2016, it launched on the mortgage market in partnership with its subsidiary Krefima, which can be found in 68 branches in Belgium.

CKV

CKV (Centrale Kredietverlening) is an independent Belgian bank founded in 1956. It offers a range of savings products, consumer loans and mortgages. CKV makes available to you a network of branches and independent brokers. It offers different types of mortgage including term, deluxe and golden bullet loans. All loans are offered for personal or business purposes for renovation, refinancing, investments, major purchases, etc.

CREAFIN

Creafin is a Belgian lender which became fully independent in 2012. Before that, Creafin was a subsidiary of Dutch bank DSB Bank. It specializes in personal mortgages. The company has a large network of around 100 independent mortgage brokers. It offers a range of mortgages: CreaBase (mortgage loan with fixed monthly repayments), CreaSafe (mortgage for people with financial difficulties) and Creafixe (fixed-term mortgage loan). These various loans offer personal packages with fixed and variable rates.

CREDIMO

Credimo is a lender and insurance company founded in 1936. It has 1,000 brokers, more than 50,000 employees and more than 130,000 customers. Aimed at individuals, SMEs and self-employed persons, the company offers mortgages and savings and investment insurance.

CREDIT FONCIER

Crédit Foncier is part of Groupe BPCE (Banque Populaire and Caisse d’Epargne), founded in 1852, which is the second largest banking group in France. This has 150,000 employees with 30 million customers including nine million companies. BPCE offers its customers a full range of financial products and services: savings, investments, cash management, insurance, investment and finance. Crédit Foncier Belgique is a lender specializing in personal mortgages. This institution offers a variety of services for real estate projects including mortgages, mortgage purchase, real estate purchase, etc.

CRELAN

Crelan is a Belgian mutual bank founded by the Belgian government in 1937. It offers individuals, the self-employed and businesses a wide range of banking and insurance products. The bank offers services covering payments (current accounts, credit cards, self-service banking), loans (home, car and personal loans), savings and investment (savings accounts, pension plans, investments) and insurance (home, car, family and life insurance). Crelan has 633 branches in Belgium, more than 2,859 employees and more than 919,887 customers. The bank’s loans to customers amounted to nearly 16,593.86 million euros in 2018.

DEMETRIS

Demetris is a broker and a subsidiary of BNP Paribas Fortis. It is a lender specializing in mortgages. The company offers mortgages provided by BNP Paribas Fortis through a network of 900 branches. Its three head offices are located in Namur, Groot-Bijgaarden and Lummen. Demetris is known for the distribution of “Flexible Home Loans”.

EB-LEASE

EB-Lease is a subsidiary of Europabank, which belongs to the Crelan group. It was founded in 1983. It offers leasing and renting services for businesses, self-employed persons and retailers as well as mortgages for individuals, self-employed persons, retailers and businesses. It has more than 340 employees and there are more than 45 branches throughout Belgium.

EIGEN HEERD

Eigen Heerd is a lender specializing in social loans in Flanders. It offers fixed-rate mortgages to the least well-off, for whom it is hard to find loans in the market. Since 2016, Eigen Heerd has worked with HypoSmart bvba as a credit and insurance broker.

ELANTIS

A subsidiary of Belfius Insurance, Elantis was founded in 1851. It is an online lender. It offers a range of products and services for mortgages and consumer credit. Elantis offers financial products including instalment loans, personal loans, renovation loans, consumer loans, car finance, mortgages, home loans, bridging loans and loans for notary fees.

FEDERALE ASSURANCE/VERZEKERING

Fédérale Assurance/Verzekering is a Belgian cooperative mutual insurance company founded in 1911. It offers services to individuals and businesses throughout Belgium. With more than 1,000 employees, it offers personal insurance, savings, investment and mortgage services. For businesses and the self-employed, the insurance offers solutions for all kinds of commercial and investment risk. Packages are available for contractors in the construction industry to insure all kinds of construction (for example: Contractors’ All Risks insurance).

FINTRO

Fintro is part of the BNP Paribas group and has a retail network of more than 300 independent branches in Belgium and more than 1,000 employees. This bank primarily serves individuals, but also self-employed persons and small and medium-sized businesses in the Belgian market. Fintro only offers BNP Paribas Fortis banking products, with a full range of financial products and services including current accounts, savings accounts, credit cards, bank cards, investments and lending services such as vehicle finance, personal loans or mortgages.

FONDS DU LOGEMENT/WONINGFONDS

The Fonds du Logement/Woningfonds (housing fund) for the Brussels-Capital Region was founded in 1989. It is a cooperative society. Supported financially by the Brussels-Capital Region, the Fonds du Logement/Woningfonds has a public mission, offering mortgages to average and low-income households, loans for construction and renovation projects, rent subsidies or regional loans for the purpose of setting up a rent guarantee.

HELLO BANK!

Hello Bank is the online bank of BNP Paribas Fortis and was founded in 2013. Hello Bank operates in France, Italy, Germany, Belgium, the Czech Republic and Austria. It offers a range of financial products and services including opening of accounts, bank cards, a savings service, loans (property, consumer, car), insurance (car, home, mobile devices, life) and investment funds.

HYPOTHEEK.WINKEL

Hypotheek.winkel is a network of brokers focussing on loan advice. The company compares loans from 25 banks for you, takes care of the paperwork and offers you mortgage advice. Hypotheek.winkel helps you choose which bank to apply to by comparing the different rates on the market.

IMMOTHEKER FINOTHEKER

Immotheker Finotheker is a Belgian network of brokers created in 1995. Immotheker Finotheker represents more than 70 million euros of investments, more than 150 employees, 85 branches, 220,000 personal consultations and more than 10 billion euros of home loans. The network offers you a mortgage and helps you plan your budget, with a particular focus on savings.

ING

ING Belgium is a subsidiary of ING Group, the Dutch parent company. ING Belgium offers a wide range of financial products and services to all of its customers via their chosen distribution channels (online, phone, face-to-face). The bank targets all groups of customers: retail and private banking, SMEs, institutional and corporate. Many products are available from ING, including accounts and credit cards, savings solutions, various kinds of insurance and loans (car, improvement, mortgage, etc.). For mortgages, ING is a market leader in Belgium along with BNP Paribas Fortis, KBC and Belfius.

KBC

KBC is the second largest player in the Belgian bancassurance market. The Bank is known as KBC in Flanders, KBC Brussels in Brussels and CBC in Wallonia. It offers a wide range of financial services and products including credit cards, consumer loans and mortgages. To help you choose the right mortgage, KBC offers you an online simulation or a face-to-face consultation. It is in the Top 4 (with BNP Paribas Fortis, ING and Belfius) for mortgages in the Belgian market. In 2018, KBC had a market share of 20% for traditional banking products, 32% for investment funds, 13% for life insurance and 9% for general insurance. It has more than 3.5 million customers and is mainly based in Belgium, the Czech Republic, Slovakia, Hungary, Bulgaria and Ireland.

KEYTRADE BANK

Keytrade Bank was the first online investment platform to be created in Belgium in 1998, and has become the leader in online trading. Nowadays, it belongs to the Crédit Mutuel Arkéa group. Keytrade Bank has more than 200,000 customers and over 136 employees. It offers a range of financial products and services: products and services for day-to-day transactions (savings account, bank cards, etc.), loans (KeyHome, online mortgages), investment and trading.

KREDIET VOOR SOCIALE WONINGEN/CREDIT POUR HABITATIONS SOCIALES

Krediet voor Sociale Woningen/Crédit pour Habitations Sociales is a lender founded in 1893. The company is based in Brussels and Mechelen. Its services are available in the Flemish Region and Brussels. It offers social mortgage loans based on specific criteria. This formula allows you to borrow 100% of the value or purchase price of your home.

KREFIMA

Krefima is a Belgian subsidiary of BPost Bank that was founded in 1956. It has 250 brokers in Belgium and more than 60 years’ experience. It offers loans to individuals, self-employed persons and SMEs. It is an independent lender, offering personal and mortgage loans.

LES AP ASSURANCES/DVV VERZEKERINGEN

Les AP Assurances/DVV Verzekeringen was founded in 1929. There are more than 300 branches in Belgium. Les AP Assurances/DVV Verzekeringen offer products and services for insurance, savings, investment and loans for individuals, self-employed persons and SMEs.

NAGELMACKERS

After being bought by Chinese insurance group Anbang Insurance Group in 2015, Delta Lloyd changed its name and became Nagelmackers Bank. It is the oldest bank in Belgium, founded in 1747. With more than 100 branches and more than 800 employees throughout Belgium, it offers assistance with building, managing and protecting your assets. The bank offers you a variety of financial services including insurance (car insurance, domestic staff, family, home/fire, legal protection), loans (mortgage, vehicle loan, loans for other projects), savings (savings account, savings plans and tax savings plans), investment and day-to-day transactions (debit and credit cards, online and mobile banking), etc.).

ONESTO

Onesto was founded almost 125 years ago. It specializes in loans tailored to your housing project. Onesto currently comprises more than 30 finance companies. It offers services to people wanting to buy, renovate or keep their property.

ONS EIGEN HUIS

Ons Eigen Huis is a lender offering social loans for the purchase, construction and renovation of modest houses and apartments. The company was founded in 1893 with the backing of the Flemish Government. The company has granted thousands of social mortgage loans in the province of Limburg.

PATRONALE LIFE

Patronale Life is an insurance company founded in 1926. Nieuwpoortsparkeren NV owns 50% of the company. Patronale Life offers its lending services direct to individuals and businesses as well as through several subsidiaries, including: Société Régionale de Crédit au Logement (SRCL)/GMHK, HypoConnect SA/NV, Eigen Huis NV/SA and Eigen Heerd is Goud Weerd NV/SA. It offers life insurance and mortgage services.

RECORD CREDITS

Record Credits is an insurance company and a subsidiary of the ING Belgium group. It offers a wide range of financial products and services including mortgages and consumer loans. It focuses on individuals and self-employed persons. The company has 650 independent credit brokers so as to offer a personal service.

SOCIETE REGIONALE DE CREDIT AU LOGEMENT/GEWESTELIJKE MAATSCHAPPIJ VOOR HUISVESTINGSKREDIET

Société Régionale de Crédit au Logement/Gewestelijke Maatschappij voor Huisvestingskrediet (SCRL SA/GMVK NV) is a subsidiary of the Patronale Life group. It grants social loans to low-income households living in the Brussels Region. These are fixed-rate loans for people who are unable to find credit matching their financial means on the private market. In this case, rates do not vary according to fluctuations in the financial markets.

TRIODOS BANK

Triodos Bank was founded in the Netherlands in 1980. The first Triodos branch opened in Belgium in 1993. Its services include payments, investment, savings, raising capital and financial assistance for homes or businesses. The number of customers in Belgium is 78,000. Triodos Bank promotes mortgages for energy-efficient construction projects and improvements. Lending is based on the following premise: the lower the energy consumption of the home, the better the rate.

VDK BANK

VDK Bank was founded in 1926 in Ghent. It offers you a wide range of financial products including loans (mortgage, car, instalment), payments, savings, investments and insurance. The headquarters are in Ghent, and there are 75 branches throughout Flanders. The bank offers its products and services to more than 145,000 customers.

VIVIUM

Vivium is a financial institution and a subsidiary of Belgian insurance group P&V. As well as insurance services, it also offers mortgages to businesses and individuals. It works with more than a million independent brokers and offers its services to more than 700,000 customers throughout Belgium.

VLAAMS SOCIAAL WOONKREDIET

Vlaams Sociaal Woonkrediet is a firm of mortgage brokers specializing in social loans. It is not subsidized by the government. Its mission is to offer mortgages to households which are unable to obtain a traditional mortgage. Vlaams Sociaal Woonkrediet works with independent credit brokers and providers.

VLAAMS WONINGFONDS

Vlaams Woningfonds offers you mortgages for the purchase, conservation and/or renovation of a house or apartment as well as rent guarantee loans. Its mission is to offer mortgages to households which are unable to obtain a traditional mortgage.

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