BizKickStarting a business?
Are you an accountant?BizKick helps you build a financial plan quickly and simply.
It guides you step by step through Belgian taxation, tells you honestly whether your project holds up, and produces a complete, bank-ready report.
Your complete plan in under an hour.
From idea to credit application, in 3 steps
Describe your project
Restaurant, consulting, e-commerce, construction… Start from a sector template that sets up the right line items (revenue, costs, investments) — you only need to enter your figures — or start from scratch. The beginner's guide walks you through every step.
The engine calculates everything
Income statement, month-by-month cash flow, balance sheet, corporate or personal income tax, social contributions, VAT. Every change instantly recalculates the whole plan, and alerts flag the classic oversights.
Export your report
A professional PDF report: executive summary, stress test, banking ratios (DSCR), double distribution test under the Companies Code. The document your notary and your banker expect.
A complete financial plan, built for Belgium
Belgian taxation, banking ratios, stress test and actuals tracking
brought together in a single tool.
Real Belgian taxation
Reduced corporate tax rate (art. 215 ITC 92), progressive personal income tax brackets, social contributions for the self-employed, VAT at 6/12/21%, disallowed expenses, tax loss carry-forward.
Automatic stress test
How far can your revenue drop before your project breaks? The plan is recalculated in −1% steps: you know your safety margins before the banker does.
Double distribution test (Companies Code)
Paying out dividends? The net-asset test and the liquidity test (art. 5:142-143 of the Belgian Companies Code) are checked automatically, financial year by financial year.
Built-in bank file
Sources and uses of funds, DSCR, gearing, equity ratio, executive summary: the ratios credit analysts look at first.
Actuals vs. forecast tracking
After launch, enter your actual figures each month and measure the gaps. Your plan becomes a management tool, not a dead document.
Smart alerts
Forgot an insurance policy? No marketing budget? Unsustainable owner pay? Unlawful dividends? BizKick tells you before anyone else notices.
Build and test your plan for free. Pay only to export it — per plan, or with a subscription if you manage several files.
Entrepreneurs
Free
€0
- One complete financial plan
- Cash flow, balance sheet, taxes
- Alerts & completeness score
- Cloud storage (EU)
One-time purchase
€39 / file
- Everything in Free, plus:
- PDF report (bank & notary)
- CSV data export
- One-time payment · name locked at purchase
Accounting firms
Starter
€49 / month
- 5 plans
- Unlimited exports (PDF & CSV)
Pro
€79 / month
- 25 plans
- Unlimited exports (PDF & CSV)
Custom
On request
- Unlimited plans
- Contact us
The one-time purchase (€39 incl. VAT) unlocks export for one file and locks its name. Subscriptions (prices excl. VAT) suit accounting firms managing several client files. Need a specific volume? Email us at contact@bizkick.be.
Frequently asked questions
Is a financial plan really mandatory in Belgium?+
Yes, when incorporating a BV/SRL: article 5:4 of the Belgian Code of Companies and Associations requires you to hand the notary a financial plan covering at least two years of activity, including the sources of financing, the opening balance sheet, projected income statements and a budget. If the company goes bankrupt within 3 years, this document can trigger the founders' personal liability if the starting capital was manifestly insufficient. For self-employed individuals (sole traders), it is not mandatory — but the bank will ask for one for any business loan.
How is BizKick different from a free Excel template?+
An Excel template knows nothing about the reduced corporate tax rate, progressive personal income tax brackets, social contributions for the self-employed, quarterly VAT or tax loss carry-forward. BizKick calculates all of this month by month, checks the consistency of your file (11 automatic checks), runs a bank stress test and produces a professional report. And unlike Excel, you can't break a formula.
Is my data safe?+
Your files are hosted in the European Union, encrypted in transit, and are never shared or used for any other purpose.
Can my accountant review my plan?+
That's exactly what it's built for: BizKick includes an ‘Accountant’ level with section-by-section review, validation statuses and comments embedded in the final report.
How long does it take to build my plan?+
With a sector template that already sets up the right line items (restaurant, consultant, e-commerce, retail, tradesperson), a first coherent plan takes 30 to 60 minutes. The beginner's guide explains every step in plain language, without accounting jargon.
Your project deserves better than a patched-together spreadsheet
Start now: within an hour you'll know whether your numbers hold up — and you'll have the proof.
Create my free financial plan