Lombard International Assurance<\/a> vient notamment clarifier la question fiscale, rendant cette solution d\u2019autant plus attractive. Nicolaas a r\u00e9pondu \u00e0 nos quelques questions\u00a0pour nous en dire plus \u00e0 ce sujet.<\/p>\n[\/et_pb_text][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2022\/05\/LOMBARD-MUNSTER.jpg\u00a0\u00bb alt=\u00a0\u00bbLifepartners Graphique\u00a0\u00bb title_text=\u00a0\u00bbLOMBARD MUNSTER\u00a0\u00bb url=\u00a0\u00bbhttps:\/\/apcal.lu\/download\/sfdr-slide-2\/\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb _builder_version=\u00a0\u00bb4.17.3″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb border_radii=\u00a0\u00bbon|5px|5px|5px|5px\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset3″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][et_pb_text admin_label=\u00a0\u00bbAPCAL : Pourriez-vous nous pr\u00e9senter en quelques mots en quoi consiste un contrat de capitalisation et \u00e0 qui cette offre se destine ?\u00a0\u00bb _builder_version=\u00a0\u00bb4.17.3″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_2_line_height=\u00a0\u00bb1.3em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||20px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n
APCAL : Pourriez-vous nous pr\u00e9senter en quelques mots en quoi consiste un contrat de capitalisation et \u00e0 qui cette offre se destine ?<\/h2>\n
[\/et_pb_text][et_pb_text ul_item_indent=\u00a0\u00bb40px\u00a0\u00bb _builder_version=\u00a0\u00bb4.17.3″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb ul_font=\u00a0\u00bb||||||||\u00a0\u00bb quote_font=\u00a0\u00bb||on||||||\u00a0\u00bb quote_text_color=\u00a0\u00bb#55547D\u00a0\u00bb quote_font_size=\u00a0\u00bb16px\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_line_height=\u00a0\u00bb2em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||40px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n
Nicolaas Vancrombrugge: <\/strong>Notre contrat de capitalisation du type Branche 6 (Corporate Select Plan) r\u00e9pond aux besoins des soci\u00e9t\u00e9s et autres entit\u00e9s juridiques belges en recherche d\u2019une solution pour investir leurs liquidit\u00e9s dans un produit d\u2019investissement avec un portefeuille diversifi\u00e9, g\u00e9r\u00e9 de mani\u00e8re discr\u00e9tionnaire, avec un profil d\u2019investissement s\u00e9lectionn\u00e9 par le souscripteur, alors que les formalit\u00e9s administratives dans le cadre de la d\u00e9tention du portefeuille resteront limit\u00e9es \u00e0 un minimum.<\/p>\nCette solution est ainsi destin\u00e9e \u00e0 des soci\u00e9t\u00e9s belges qui sont soumises \u00e0 l\u2019imp\u00f4t sur les soci\u00e9t\u00e9s, ou encore \u00e0 d\u2019autres entit\u00e9s juridiques qui sont soumises \u00e0 l\u2019imp\u00f4t sur les personnes morales. D\u2019une mani\u00e8re pragmatique, on pourrait affirmer que la souscription d’un contrat de capitalisation Branche 6 par une personne morale belge pourrait \u00eatre \u00e9conomiquement assimil\u00e9e \u00e0 la souscription d’un contrat d’assurance vie Branche 23, sauf que celui-ci n\u2019est pas li\u00e9 \u00e0 la vie humaine et ne comprend pas de clause b\u00e9n\u00e9ficiaire, comme cela est traditionnellement le cas pour les contrats Branche 23 destin\u00e9s aux personnes physiques.<\/p>\n
[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbAPCAL : Pourquoi le contrat de capitalisation Branche 6 est-il particuli\u00e8rement adapt\u00e9 au contexte actuel ?\u00a0\u00bb _builder_version=\u00a0\u00bb4.17.3″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_2_line_height=\u00a0\u00bb1.3em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||20px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n
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APCAL : Pourquoi le contrat de capitalisation Branche 6 est-il particuli\u00e8rement adapt\u00e9 au contexte actuel ?<\/h2>\n<\/div>\n<\/div>\n<\/div>\n
[\/et_pb_text][et_pb_text ul_item_indent=\u00a0\u00bb40px\u00a0\u00bb _builder_version=\u00a0\u00bb4.17.3″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb ul_font=\u00a0\u00bb||||||||\u00a0\u00bb quote_font=\u00a0\u00bb||on||||||\u00a0\u00bb quote_text_color=\u00a0\u00bb#55547D\u00a0\u00bb quote_font_size=\u00a0\u00bb16px\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_line_height=\u00a0\u00bb2em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||40px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n
Nicolaas Vancrombrugge:<\/strong> Compte tenu de l\u2019environnement \u00e9conomique actuel, caract\u00e9ris\u00e9 par des taux d\u2019int\u00e9r\u00eat n\u00e9gatifs ou tr\u00e8s bas, la majorit\u00e9 des soci\u00e9t\u00e9s et autres personnes morales belges sont \u00e0 la recherche de solutions pour investir leurs exc\u00e8s de liquidit\u00e9s. La d\u00e9tention d\u2019un portefeuille d\u2019investissement sur un compte d\u2019investissement classique n\u2019est pas optimale et tr\u00e8s complexe \u00e0 g\u00e9rer d\u2019un point de vue comptable : chaque transaction r\u00e9alis\u00e9e dans le portefeuille pourrait avoir un impact fiscal et n\u00e9cessite d\u2019\u00eatre analys\u00e9e de mani\u00e8re d\u00e9taill\u00e9e. A c\u00f4t\u00e9 de cela, les institutions financi\u00e8res belges proposent tr\u00e8s souvent aux soci\u00e9t\u00e9s belges d\u2019investir leurs liquidit\u00e9s dans des SICAV RDT en vue d\u2019optimiser leur fiscalit\u00e9. Mais l\u00e0 encore, il s\u2019agit de produits avec un profil d\u2019investissement agressif (100% actions) qui sont rarement adapt\u00e9s aux besoins sp\u00e9cifiques de l\u2019investisseur.<\/p>\nDans ce contexte difficile, le contrat de capitalisation Branche 6 est une excellente alternative qui permet \u00e0 une personne morale d\u2019investir ses liquidit\u00e9s de mani\u00e8re diversifi\u00e9e, tout en b\u00e9n\u00e9ficiant d\u2019un report d\u2019imp\u00f4t, ainsi que d\u2019une simplification bienvenue d\u2019un point de vue comptable.<\/p>\n
[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbAPCAL : En quoi le contrat de capitalisation de Lombard International Assurance est-il unique ?\u00a0\u00bb _builder_version=\u00a0\u00bb4.17.3″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_2_line_height=\u00a0\u00bb1.3em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||20px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n
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APCAL : En quoi le contrat de capitalisation de Lombard International Assurance est-il unique ?<\/h2>\n<\/div>\n<\/div>\n<\/div>\n
[\/et_pb_text][et_pb_text ul_item_indent=\u00a0\u00bb40px\u00a0\u00bb _builder_version=\u00a0\u00bb4.17.3″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb ul_font=\u00a0\u00bb||||||||\u00a0\u00bb quote_font=\u00a0\u00bb||on||||||\u00a0\u00bb quote_text_color=\u00a0\u00bb#55547D\u00a0\u00bb quote_font_size=\u00a0\u00bb16px\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_line_height=\u00a0\u00bb2em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||40px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n
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Nicolaas Vancrombrugge:<\/strong> La solution de Lombard International Assurance S.A.\u00a0 fait l\u2019objet d\u2019un Ruling <\/em>dans lequel l\u2019administration fiscale se prononce tr\u00e8s concr\u00e8tement sur la situation o\u00f9 un tel produit est destin\u00e9 \u00e0 des soci\u00e9t\u00e9s belges qui sont soumises \u00e0 l\u2019imp\u00f4t sur les soci\u00e9t\u00e9s (isoc), ou \u00e0 d\u2019autres entit\u00e9s juridiques qui sont soumises \u00e0 l\u2019imp\u00f4t sur les personnes morales (ipm). De ce fait, la Commission de Ruling<\/em> a mis fin \u00e0 un doute qui existe depuis longtemps en droit fiscal belge quant aux cons\u00e9quences fiscales de tel type de produit d\u2019investissement.<\/p>\nIl est important de noter que le Ruling<\/em> de l\u2019administration fiscale belge est nominatif et couvre uniquement le produit qui est \u00e9mis par Lombard International Assurance S.A. Par cons\u00e9quent, Corporate Select Plan<\/em>, qui est destin\u00e9 \u00e0 des soci\u00e9t\u00e9s et autres entit\u00e9s juridiques belges, est le seul produit b\u00e9n\u00e9ficiant de la s\u00e9curit\u00e9 juridique offerte par ce Ruling<\/em>. En outre, ce dernier mentionne explicitement que cette s\u00e9curit\u00e9 juridique est accord\u00e9e pour une dur\u00e9e de 10 ans au minimum.\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/p>\n<\/div>\n[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbAPCAL : Pouvez-vous nous d\u00e9crire en quelques mots la fiscalit\u00e9 du produit qui r\u00e9sulte de ce Ruling ?\u00a0\u00bb _builder_version=\u00a0\u00bb4.17.3″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_2_line_height=\u00a0\u00bb1.3em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||20px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n
APCAL : Pouvez-vous nous d\u00e9crire en quelques mots la fiscalit\u00e9 du produit qui r\u00e9sulte de ce Ruling ?<\/h2>\n
[\/et_pb_text][et_pb_text ul_item_indent=\u00a0\u00bb40px\u00a0\u00bb _builder_version=\u00a0\u00bb4.17.3″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb ul_font=\u00a0\u00bb||||||||\u00a0\u00bb quote_font=\u00a0\u00bb||on||||||\u00a0\u00bb quote_text_color=\u00a0\u00bb#55547D\u00a0\u00bb quote_font_size=\u00a0\u00bb16px\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_line_height=\u00a0\u00bb2em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||40px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n
Nicolaas Vancrombrugge:<\/strong> La Commission de Ruling<\/em> confirme explicitement l\u2019absence d\u2019impact fiscal du contrat de capitalisation au moment de la souscription. La taxation \u00e0 l\u2019entr\u00e9e n\u2019est pas due, essentiellement puisque le contrat de capitalisation n\u2019est pas li\u00e9 \u00e0 la vie humaine. En outre, il n\u2019y aura pas de fiscalit\u00e9 durant la d\u00e9tention du produit par la soci\u00e9t\u00e9 ou par une autre personne morale.<\/p>\nLa seule incidence fiscale du contrat de capitalisation appara\u00eet au moment du rachat partiel ou total. Partant du constat que le preneur du contrat de capitalisation ne dispose d\u2019aucun droit r\u00e9el sur les actifs sous-jacents mais qu\u2019il dispose d\u2019une cr\u00e9ance envers la compagnie d\u2019assurance, la Commission de Ruling<\/em> conclut que les revenus d\u2019une telle cr\u00e9ance qualifient comme des int\u00e9r\u00eats imposables et les revenus du contrat de capitalisation sont uniquement taxables au moment des rachats partiels ou totaux du contrat. Dans ce cas, les rachats seront soumis \u00e0 l\u2019imp\u00f4t sur les soci\u00e9t\u00e9s ou \u00e0 l\u2019imp\u00f4t des personnes morales. Il est \u00e9galement important de pr\u00e9ciser que des moins-values r\u00e9alis\u00e9es sur le contrat de capitalisation Branche 6 seront d\u00e9ductibles.<\/p>\n[\/et_pb_text][et_pb_text admin_label=\u00a0\u00bbAPCAL : Quid de l\u2019int\u00e9r\u00eat du contrat de capitalisation compar\u00e9 \u00e0 une SICAV RDT ?\u00a0\u00bb _builder_version=\u00a0\u00bb4.17.3″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_2_line_height=\u00a0\u00bb1.3em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||20px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n
APCAL : Quid de l\u2019int\u00e9r\u00eat du contrat de capitalisation compar\u00e9 \u00e0 une SICAV RDT ?<\/h2>\n
[\/et_pb_text][et_pb_text ul_item_indent=\u00a0\u00bb40px\u00a0\u00bb _builder_version=\u00a0\u00bb4.17.3″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb ul_font=\u00a0\u00bb||||||||\u00a0\u00bb quote_font=\u00a0\u00bb||on||||||\u00a0\u00bb quote_text_color=\u00a0\u00bb#55547D\u00a0\u00bb quote_font_size=\u00a0\u00bb16px\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_line_height=\u00a0\u00bb2em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||40px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n
Nicolaas Vancrombrugge:<\/strong> Bien qu\u2019\u00e0 premi\u00e8re vue on pourrait avoir tendance \u00e0 consid\u00e9rer les deux produits comme des concurrents, il s\u2019av\u00e8re que ces derniers doivent \u00eatre consid\u00e9r\u00e9s comme des produits compl\u00e9mentaires. Ainsi, en les utilisant en parall\u00e8le, une soci\u00e9t\u00e9 belge b\u00e9n\u00e9ficiera du meilleur des deux mondes. En effet:<\/p>\n\n- Le profil d\u2019investissement des deux solutions est compl\u00e8tement diff\u00e9rent\u00a0: alors que la SICAV RDT doit n\u00e9cessairement avoir un profil d\u2019investissement agressif (100% actions) pour pouvoir b\u00e9n\u00e9ficier de l\u2019exon\u00e9ration des plus-values, le contrat de capitalisation Branche 6 contient un portefeuille diversifi\u00e9, g\u00e9r\u00e9 de mani\u00e8re discr\u00e9tionnaire, ayant le profil d\u2019investissement que le souscripteur choisit lui-m\u00eame. \u00a0\u00a0\u00a0<\/li>\n
- La fiscalit\u00e9 des deux produits est le miroir l\u2019une de l\u2019autre\u00a0:<\/li>\n
- Les plus-values r\u00e9alis\u00e9es sur le contrat de capitalisation sont imposables, alors que les plus-values r\u00e9alis\u00e9es sur la SICAV RDT sont d\u00e9ductibles.<\/li>\n
- Les moins-values r\u00e9alis\u00e9es sur le contrat de capitalisation sont d\u00e9ductibles, alors que les moins-values r\u00e9alis\u00e9es sur la SICAV RDT sont imposables.<\/li>\n<\/ul>\n
Dans cette optique, une soci\u00e9t\u00e9 qui veut investir ses avoirs dans un portefeuille d\u2019investissement diversifi\u00e9 pourrait avoir int\u00e9r\u00eat \u00e0 investir la partie actions de son portefeuille dans des SICAV RDT (ou plus particuli\u00e8rement la partie action qui r\u00e9pond aux crit\u00e8res pour pouvoir b\u00e9n\u00e9ficier du r\u00e9gime RDT), alors que le reste du portefeuille pourrait \u00eatre investi dans un contrat de capitalisation Branche 6. \u00a0<\/p>\n
[\/et_pb_text][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2022\/05\/LOMBARD-CAPBOND.png\u00a0\u00bb alt=\u00a0\u00bbLifepartners Graphique\u00a0\u00bb title_text=\u00a0\u00bbLOMBARD CAPBOND\u00a0\u00bb url=\u00a0\u00bbhttps:\/\/apcal.lu\/fr\/\/download\/slide-capbond\/\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb _builder_version=\u00a0\u00bb4.17.3″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb hover_enabled=\u00a0\u00bb0″ border_radii=\u00a0\u00bbon|5px|5px|5px|5px\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset3″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_enabled=\u00a0\u00bb0″][\/et_pb_image][et_pb_text admin_label=\u00a0\u00bbNotre expert\u00a0\u00bb _builder_version=\u00a0\u00bb4.17.3″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_2_line_height=\u00a0\u00bb1.3em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||20px||false|false\u00a0\u00bb hover_enabled=\u00a0\u00bb0″ border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_enabled=\u00a0\u00bb0″]<\/p>\n
\u00a0<\/h2>\nNotre expert chez notre partenaire Lombard international Assurance<\/h2>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row admin_label=\u00a0\u00bbID Entreprise\u00a0\u00bb _builder_version=\u00a0\u00bb4.17.3″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4″ _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2022\/05\/vancrombrugge_nicolaas_-086-2-003.jpg\u00a0\u00bb alt=\u00a0\u00bbLifepartners\u00a0\u00bb title_text=\u00a0\u00bbvancrombrugge_nicolaas_-086 (2) (003)\u00a0\u00bb admin_label=\u00a0\u00bbImage\u00a0\u00bb _builder_version=\u00a0\u00bb4.17.3″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][et_pb_text ul_type=\u00a0\u00bbnone\u00a0\u00bb admin_label=\u00a0\u00bbNicolaas\u00a0\u00bb _builder_version=\u00a0\u00bb4.17.3″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n
Nicolaas Vancrombrugge<\/strong>, Senior Wealth Planner – Belgian Market<\/p>\n\n- @ nicolaas.vancrombrugge@lombardinternational.com<\/a><\/li>\n<\/ul>\n
[\/et_pb_text][et_pb_social_media_follow admin_label=\u00a0\u00bbSuivez-nous sur les r\u00e9seaux sociaux\u00a0\u00bb _builder_version=\u00a0\u00bb4.17.3″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_social_media_follow_network social_network=\u00a0\u00bblinkedin\u00a0\u00bb url=\u00a0\u00bbhttps:\/\/www.linkedin.com\/in\/nicolaas-vancrombrugge-444774\/\u00a0\u00bb _builder_version=\u00a0\u00bb4.17.3″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_color=\u00a0\u00bb#007bb6″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb follow_button=\u00a0\u00bboff\u00a0\u00bb url_new_window=\u00a0\u00bbon\u00a0\u00bb]linkedin[\/et_pb_social_media_follow_network][\/et_pb_social_media_follow][et_pb_text ul_item_indent=\u00a0\u00bb40px\u00a0\u00bb _builder_version=\u00a0\u00bb4.17.3″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_line_height=\u00a0\u00bb1.8em\u00a0\u00bb ul_font=\u00a0\u00bb||||||||\u00a0\u00bb quote_font=\u00a0\u00bb||on||||||\u00a0\u00bb quote_text_color=\u00a0\u00bb#55547D\u00a0\u00bb quote_font_size=\u00a0\u00bb16px\u00a0\u00bb header_font=\u00a0\u00bb||||||||\u00a0\u00bb header_2_font=\u00a0\u00bb|||on|||||\u00a0\u00bb header_2_line_height=\u00a0\u00bb2em\u00a0\u00bb header_3_text_color=\u00a0\u00bb#C2974C\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb header_3_line_height=\u00a0\u00bb1.4em\u00a0\u00bb custom_margin=\u00a0\u00bb||40px||false|false\u00a0\u00bb border_color_bottom=\u00a0\u00bb#7886A2″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n
Nicolaas Vancrombrugge a rejoint Lombard International Assurance en 2019 en tant que Senior Wealth Planner pour la Belgique.<\/p>\n
Bas\u00e9 au Luxembourg, Nicolaas collabore avec une \u00e9quipe de plus de 60 experts europ\u00e9ens en ing\u00e9nierie patrimoniale et successorale, au sein de laquelle il se concentre plus particuli\u00e8rement sur les besoins de la client\u00e8le belge. Fort de plus de 20 ans d\u2019exp\u00e9rience en tant qu\u2019ing\u00e9nieur patrimonial dans la banque priv\u00e9e et le conseil sur les march\u00e9s du Benelux, il dispose d\u2019une solide exp\u00e9rience dans les domaines des solutions d\u2019assurance vie en unit\u00e9s de compte (Branche 23), de la planification successorale et du droit belge.<\/p>\n
Nicolaas Vancrombrugge a commenc\u00e9 sa carri\u00e8re en tant qu\u2019avocat et a int\u00e9gr\u00e9 le barreau de Bruxelles en 2003. Apr\u00e8s avoir travaill\u00e9 chez KPMG en Belgique, Nicolaas a rejoint BGL au Luxembourg en tant qu\u2019ing\u00e9nieur patrimonial puis BIL Luxembourg en qualit\u00e9 d\u2019ing\u00e9nieur patrimonial senior.
Il est dipl\u00f4m\u00e9 d\u2019un master en droit de la KU Leuven, d\u2019un master en droit europ\u00e9en de l\u2019universit\u00e9 de Lyon ainsi que d\u2019un master en droit des soci\u00e9t\u00e9s de l\u2019universit\u00e9 de Bruxelles.<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00a0\u00bb1″ _builder_version=\u00a0\u00bb4.9.7″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_module=\u00a0\u00bb448″ saved_tabs=\u00a0\u00bball\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb module_alignment=\u00a0\u00bbcenter\u00a0\u00bb custom_margin=\u00a0\u00bb0px|0px|0px|0px|false|false\u00a0\u00bb custom_padding=\u00a0\u00bb0px|0px|0px|0px|false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4″ _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text admin_label=\u00a0\u00bbPlatinium\u00a0\u00bb _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_3_font=\u00a0\u00bb|600|||||||\u00a0\u00bb header_3_text_align=\u00a0\u00bbcenter\u00a0\u00bb custom_margin=\u00a0\u00bb0px|0px|0px|0px|false|false\u00a0\u00bb custom_padding=\u00a0\u00bb0px|0px|0px|0px|false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n
Sponsor Platinium<\/h3>\n
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Sponsors Gold<\/h3>\n
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Sponsors Silver<\/h3>\n
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Le contrat de capitalisation Branche 6 permet \u00e0 une personne morale d\u2019investir ses liquidit\u00e9s de mani\u00e8re diversifi\u00e9e, tout en b\u00e9n\u00e9ficiant d\u2019un report d\u2019imp\u00f4t, ainsi que d\u2019une simplification d\u2019un point de vue comptable. Nous avons interview\u00e9 Nicolaas Vancrombrugge, Senior Wealth Planner – Belgian Market, expert chez notre partenaire Lombard International Assurance.<\/p>\n","protected":false},"author":4,"featured_media":3939,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[25,1],"tags":[],"class_list":["post-4699","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-apcal","category-news"],"yoast_head":"\n
Le contrat de capitalisation Branche 6, une structure efficace pour les personnes morales belges - Apcal<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/apcal.lu\/fr\/le-contrat-de-capitalisation-branche-6-une-structure-efficace-pour-les-personnes-morales-belges\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le contrat de capitalisation Branche 6, une structure efficace pour les personnes morales belges - Apcal\" \/>\n<meta property=\"og:description\" content=\"Le contrat de capitalisation Branche 6 permet \u00e0 une personne morale d\u2019investir ses liquidit\u00e9s de mani\u00e8re diversifi\u00e9e, tout en b\u00e9n\u00e9ficiant d\u2019un report d\u2019imp\u00f4t, ainsi que d\u2019une simplification d\u2019un point de vue comptable. Nous avons interview\u00e9 Nicolaas Vancrombrugge, Senior Wealth Planner - Belgian Market, expert chez notre partenaire Lombard International Assurance.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/apcal.lu\/fr\/le-contrat-de-capitalisation-branche-6-une-structure-efficace-pour-les-personnes-morales-belges\/\" \/>\n<meta property=\"og:site_name\" content=\"Apcal\" \/>\n<meta property=\"article:published_time\" content=\"2022-05-31T07:54:16+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-08-17T14:57:33+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/apcal.lu\/wp-content\/uploads\/2022\/02\/actualite-apcal.png\" \/>\n\t<meta property=\"og:image:width\" content=\"960\" \/>\n\t<meta property=\"og:image:height\" content=\"593\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Nathalie Schuh\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Nathalie Schuh\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"11 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/apcal.lu\/fr\/le-contrat-de-capitalisation-branche-6-une-structure-efficace-pour-les-personnes-morales-belges\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/apcal.lu\/fr\/le-contrat-de-capitalisation-branche-6-une-structure-efficace-pour-les-personnes-morales-belges\/\"},\"author\":{\"name\":\"Nathalie Schuh\",\"@id\":\"https:\/\/apcal.lu\/fr\/#\/schema\/person\/c6084e3d06cd0601c0d40849b6e736cd\"},\"headline\":\"Le contrat de capitalisation Branche 6, une structure efficace pour les personnes morales belges\",\"datePublished\":\"2022-05-31T07:54:16+00:00\",\"dateModified\":\"2023-08-17T14:57:33+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/apcal.lu\/fr\/le-contrat-de-capitalisation-branche-6-une-structure-efficace-pour-les-personnes-morales-belges\/\"},\"wordCount\":4369,\"image\":{\"@id\":\"https:\/\/apcal.lu\/fr\/le-contrat-de-capitalisation-branche-6-une-structure-efficace-pour-les-personnes-morales-belges\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/apcal.lu\/wp-content\/uploads\/2022\/02\/actualite-apcal.png\",\"articleSection\":[\"APCAL\",\"News\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/apcal.lu\/fr\/le-contrat-de-capitalisation-branche-6-une-structure-efficace-pour-les-personnes-morales-belges\/\",\"url\":\"https:\/\/apcal.lu\/fr\/le-contrat-de-capitalisation-branche-6-une-structure-efficace-pour-les-personnes-morales-belges\/\",\"name\":\"Le contrat de capitalisation Branche 6, une structure efficace pour les personnes morales belges - 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