For freelancers and sole directors — You work hard. Keep more of what you earn.
Order your own meal vouchers, eco-vouchers and more. Save up to € 2,590/year net, fully compliant. Done in 5 minutes.
Optimisation calculator
How much do you gain by optimising your pay?
As a company director, you can grant yourself these extra-legal benefits, net of taxes and contributions. Pick the ones you want and see the net purchasing power you gain — versus an equivalent salary increase.
Your benefits
Meal vouchers based on 220 working days / year (FTE). Amounts per employee.
Your result
- Cost for your company
- €2,708 / year
- Cost via gross salary
- €6,622 / year
- Your savings / year
- €3,914 / year
Indicative estimate — Belgian 2026 regulations. Benefits 100% exempt from social security and tax for the beneficiary. Meal vouchers: personal share €1.09/day, deductible €4/voucher (€10). Eco vouchers (max €250) and sport & culture (max €100): non-deductible, 25% corporate tax on the full amount. Gift vouchers (max €40): deductible. Employer social 27%, employee social 13.07%, marginal tax rate 48.15%.
Your situation
Sound familiar?
As a freelancer, you juggle your business and your admin. And every euro counts.
You pay too much tax on what you earn
Between social contributions and corporate tax, not much is left. Yet there are legal ways to increase your net income.
You don't have time for admin
Invoicing, accounting, client follow-ups — you handle it all. The last thing you need is yet another system to figure out.
You're not sure if you qualify
Side business, sole director, company manager... Each status has its own rules. Not always obvious which ones apply to you.
You're worried about compliance
You want to optimise, but not at the risk of an audit. You need a reliable, compliant, recognised solution.
Your solutions
What you can grant yourself as a company director
As a company director, you are both employer and employee. You too can access benefits similar to those of a salaried employee.
Meal vouchers
Up to € 2,200/year extra net. You grant yourself € 10 per working day, fully deductible. The biggest gain for a freelancer.
Learn moreEco-vouchers
Up to € 250/year. Fully exempt from social contributions and taxes. For your ecological and sustainable purchases.
Learn morePack 4-in-1
Combine meal + eco + sport & culture + gift on one card. Maximise your benefits in a single order.
Learn more€/year extra net in your pocket
By combining meal vouchers (€ 2,200), eco-vouchers (€ 250), gift vouchers (€ 40) and sport & culture (€ 100), you receive up to € 2,590/year free of social contributions and taxes. Your accountant can confirm: it's fully legal and deductible.
Monizze in numbers
The reference in Belgium
A free meal every day
You eat better. Your company deducts.
- € 10 per working day, exempt from social contributions
- Accepted at 45,000+ restaurants, supermarkets and bakeries
- Fully deductible for your company
Why freelancers choose Monizze
The issuer built for freelancers
You don't need to be a big company to enjoy meal vouchers. Here's what sets us apart.
Sign up in 5 minutes
Everything online. No appointments, no sales rep. Order when you want.
Self-managed
Orders, top-ups, invoicing: all from your online portal. Compatible with your accountant.
Fully compliant
Our vouchers meet all legal requirements for company directors. Compliant with social security and tax authorities.
Transparent pricing
No hidden fees, no surprises. You know exactly what you pay before ordering.
Human support
A trilingual team available Monday to Saturday. By phone, you speak to a human within 3 rings.
45,000+ merchants
Restaurants, supermarkets, bakeries... Your Monizze card is accepted everywhere you eat.
Stack your benefits
€ 250 more with eco-vouchers
On top of your meal vouchers, grant yourself € 250/year in eco-vouchers. Fully exempt, usable for organic groceries, your garden or green mobility. Everything on the same Monizze card.
Monizze app
Your vouchers, always at hand
- Check your real-time balance and transaction history
- Find affiliated merchants near you
- Get notifications for every transaction
How it works
Order in 3 steps
Sign up online
- Create your employer account in minutes
- Select your vouchers and daily amount
Receive your card
- Monizze card delivered within 5 business days
- Activate it via the mobile app
- Usable immediately at 45,000+ merchants
Enjoy every month
- Automatic top-up every month
- Pay for meals at 45,000+ merchants
- Fully deductible for your company
FAQ
Frequently asked questions -- Freelancers
Can self-employed people receive meal vouchers?
Can self-employed people receive meal vouchers?
Is it really more cost-effective than a direct salary increase?
Is it really more cost-effective than a direct salary increase?
As the sole director of my company, can I grant myself meal vouchers?
As the sole director of my company, can I grant myself meal vouchers?
How many meal vouchers can I order as a freelancer?
How many meal vouchers can I order as a freelancer?
Will meal vouchers increase my tax base or social contributions?
Will meal vouchers increase my tax base or social contributions?
I'm worried the administrative process is too heavy for a one-person company.
I'm worried the administrative process is too heavy for a one-person company.
Are there hidden fees or admin costs that reduce the net benefit?
Are there hidden fees or admin costs that reduce the net benefit?
Are Monizze vouchers accepted everywhere?
Are Monizze vouchers accepted everywhere?
Aren't meal voucher solutions designed for large companies?
Aren't meal voucher solutions designed for large companies?
What are the exact tax rules for eco-vouchers as a freelancer?
What are the exact tax rules for eco-vouchers as a freelancer?
Ready to keep more of what you earn?
Order your meal vouchers online. 5 minutes, fully digital.