Our solutions 

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• Belfius supports Belgian households in their building and renovation projects that focus on energy-saving. There are 4 variants in energy-efficient housing loans:
  • Lower interest rates for new-builds (because they are subject to the latest energy efficiency and energy consumption standards);
  • An immediate reduction in the interest rate for energy-related renovations if they improve the home’s energy performance by at least 30% (i.e. a 30% improvement in their energy score in kWh/m2 per year);
  • Belfius also supports households in the purchase of an existing energy-efficient home (energy score <= 150 kWh/(m² year)  with an interest rate reduction
  • A deferred reduction in interest rate if the home’s energy score falls to 1,500 kWh/m2 per year or more within the first 7 years of the loan.
     

Energy Renovation Loan: For smaller amounts, a consumer loan is generally more appropriate. With this in mind, Belfius offers the Energy Renovation Loan: a loan package for financing energy-related renovations, such as better insulation, installing double or triple glazing, replacing an old boiler with a high-efficiency version, installing a heat pump or solar panels, or carrying out an energy audit.

• Belfius Building & Energy Advisory offers a to z advice and financing solutions for our Public & Social clients who want to renovate buildings and/or build new ones, drawing on the long-standing experience of our own property specialists and the expertise of specialized and innovative partners. Moreover, we assist our Public & Social clients in assessing the opportunity of sharing energy between their own buildings and/or with third parties and we offer operational support for those want to start sharing energy.
• Ambition Loans & Lease are products following the description of the activities listed in the EU Taxonomy for a selection of use of proceeds related to real estate, mobility, transport and waste and water activities. These loans and lease products are therefore Taxonomy-eligible and constitute a first attempt to integrate Taxonomy activities into Belfius Bank’s offer. These products are however not Taxonomy-aligned, meaning that they are not (yet) fulfilling all the technical screening criteria of the EU Taxonomy.
• With our Green & Social Bonds, we offer corporates and public-sector entities the opportunity to diversify their financing through ‘green’ issuances , building on their sustainability policy. 

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• Total investments made by Belfius in renewable energy reached approximately 2.1 billion EUR at the end of 2024. This includes financing for projects and loans, as well as more than 500 leasing contracts in progress in the fields of biomass, solar energy, onshore and offshore wind power, cogeneration and the greening of production lines. Belfius also helps to manage the financing of renewable assets on the energy markets in neighbouring countries.
• We do not provide finance for companies involved in coal mining and/or unconventional oil and gas production. In the field of energy production, we do not finance fossil fuel-based projects.
• And we only finance companies in the fossil fuel sector in order to help them make the transition to new renewable energy techniques and applications. Belfius’ policy on energy transition policy is set out in our ESG policy on economic activities.
• In 2024, the Aster cooperative, representing 90% of the Flemish social housing market, set itself the goal of installing 395,000 solar panels on 52,500 social housing units in Flanders over a five-year period. Belfius is funding the first stage of this energy transition project with a loan of 106 million EUR. This initiative is also of direct benefit to tenants, whose energy bills will fall.
• Vendor leasing: This financing technique enables machine manufacturers, importers or distributors, who are Belfius customers, to offer their own customers a solution for using capital goods in return for periodic payments. Belfius Lease is also planning to create a platform dedicated to second-hand equipment. In this way, we are promoting the circular economy.
• Belfius Auto Lease integrates sustainability into its strategy by decarbonizing its activities and supporting customers with tailored solutions, emerging as a sustainable mobility provider focused on multi-mobility solutions:
  • Low-Carbon Mobility Leasing: All-inclusive leasing for low-carbon mobility with impactful partners.
  • CenEnergy by Belfius: Smart electric charging infrastructure and tailored solutions for electric mobility, including charging stations, management platforms, and digital applications.
  • Belfius Bike Lease: In collaboration with Cyclis, an all-in-one bike leasing package for employers and employees, including additional services.
  • GMS: Customized low-emission mobility management plans for clients

Belfius Auto Lease aims to cut its fleet's CO² footprint by 50% by year-end, reducing average emissions from 2.4 to 1.2 tons per vehicle annually. This is being achieved by reducing driven kilometers and adjusting fleet composition. The company is on track to meet this goal

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• All Risk Bicycle insurance that provides comprehensive coverage for non-motorized vehicles traveling autonomously at speeds below 25km/h. This includes protection against theft, material damage and breakdowns, even extending to flat batteries. The policy stands out in the Belgian market for its breadth of coverage and was honoured with a Decavi Award in 2022, 2023 and 2024 for its excellence.
• Complementary Bicycle Assistance is a service that provides an extra layer of security and convenience for cyclists, promoting the use of bicycles as a sustainable mode of transportation.
• Pay-as-you-Drive insurance rewards low mileage. This approach offers a personalised premium that depends on the number of kilometres driven in the year, thereby guaranteeing a fair premium.
• Belfius Insurance gives incentives for energy efficient buildings by offering a 15% discount for owners of new or fully renovated buildings that are less than ten years old. An additional ecodiscount of 5% exists for buildings that have an EPC under 150 kWh/m2.
• The MyBo tool is a priority communication channel, useful in particular in the event of a natural disaster. The tool also improves the efficiency of claims reports for customers.
• Belfius Home & Family home insurance offers additional cover for grandchildren in the care of their grandparents, as well as secondary residence cover, aimed mainly at the elderly.

• Belfius Home Credit Protect death insurance provides optional ‘serious illness’ cover.
• Belfius Pension Planner, a simulation tool that allows customers to estimate the capital needed to cover their expenses during retirement.
• Iki=life, an innovative insurance solution that provides a financial supplement to the statutory pension, offering a lifetime guarantee (up to 115 years).

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More and more investors want their investments to have a positive impact on society.  Irrespective of these expectations, current societal challenges are prompting banks to develop specific products focused on the fight against climate change, pollution, the failure to respect human rights, the shortage of drinking water, the loss of biodiversity, the arms race, the problems associated with an ageing population, etc.

To meet these challenges, Belfius offers investors a complete, transparent and segmented range of meaningful investments, managed by Belfius Asset Management (our investment fund management and administration subsidiary) and Candriam (Belfius’ preferred external partner in this field for many years). Belfius Asset Management and Candriam are both signatories of the UNPRI (United Nations Principles for Responsible Investment) quality charter.

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A range of different funds, developed since 2019, invest in entities that offer solutions or products aimed at tackling a societal and/or environmental problem. Belfius adds a second positive impact by financially supporting noble causes linked to an investment theme.

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At Belfius, innovation and sustainable development are very closely linked. We see innovation as a springboard to a sustainable future, in environmental, social and economic terms. Several technological services based on our digital expertise actively encourage companies, their employees, local authorities and the public to adopt more sustainable behaviour.

• Fairville combines five initiatives (Onze Stad App, Cirklo, MyWaste, Buck-e and City Lovers) on a single online platform, aimed at facilitating digital transition in towns and local authority areas.
• Hoplr is a digital neighbourhood connection platform that has won several awards. The platform encourages local mutual aid, communication and citizen participation.
• Jaimy is a platform that enables customers to quickly find trusted professional tradesmen in the electrical, heating, plumbing or renovation sectors.
• Belfius also supports a number of start-ups and scale-ups discovered through the W.IN.G (Wallonia Innovation and Growth) fund and Gentrepreneur .

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