What is the difference between wealth management and wealth structuring?

Although the two terms are often used interchangeably, there is a fundamental difference. Traditional wealth management with a bank focuses on investing your funds in shares, bonds or funds to achieve a financial return. Wealth structuring, as independently advised by deminor NXT, forms the foundation for this. It involves the strategic, legal and tax-efficient structuring of your business and private assets through entities such as a holding company, simple partnership or foundation. This ensures that your assets are optimally protected and that you retain control, even before you start investing. deminor NXT is not a wealth manager and does not provide investment advice. We work almost exclusively within the context of corporate assets.

What constitutes the ‘normal management of private assets’ in Belgium?

The distinction between the ‘normal management of private assets’, speculation and professional asset management determines how much tax you pay. Capital gains on financial assets falling within the scope of normal management have been subject to capital gains tax since 1 January 2026. Other assets, such as private property, are subject to their own regulations. Where transactions exceed the scope of normal management due to their complexity, frequency or the use of borrowed funds, the income may be taxed as miscellaneous or even professional income, resulting in a significantly higher tax burden. It is therefore advisable, for your business and your assets, to take all these rules into account and take the necessary steps to plan ahead.

What does the new capital gains tax mean for my wealth structure?

Since 1 January 2026, a capital gains tax has been in force in Belgium on financial assets, including shares in your SME or family business. Capital gains that were previously untaxed under ‘normal management’ now fall within the scope of this tax. The moment at which you realise a capital gain helps determine what you pay. deminor NXT offers support to families and business owners to ensure they take the right steps, including providing an objective valuation of their shares as at 31 December 2025.

How can I retain control when transferring my assets?

Transferring your assets to the next generation does not mean you have to relinquish control straight away. Through a simple partnership, a gift subject to conditions or amended articles of association, you can transfer your assets (gradually) whilst retaining the income and control.

Why is it important to separate business assets from private assets?

Strictly separating your business assets from your private assets is the cornerstone of any asset structure designed to withstand setbacks. It prevents your personal assets, such as your family home or savings, from being put at risk in the event of a potential bankruptcy, creditor claims or an unexpected economic shock affecting your operating company or family business. Through techniques such as a management company or holding company, we ensure that your accumulated liquid assets are safely shielded from operational business risks.

Tensions? Diverse perspectives? A lack of information or trust? With a long history in advocacy, we possess the necessary experience to resolve conflicts between shareholders or board members.

Analysis of position & strategy

Building negotiating position

Assistance in negotiations

Start & assistance in mediation

Concluding amicable agreement

Deminor NXT manages transactions in an orderly manner thanks to the combined legal and financial expertise of an experienced M&A team. Whether the subject covers an acquisition, a transition, a family transition, an exit, a capital increase or even another form of financing, we always strive for an objective valuation, where value maximisation and solid agreements serve as the foundation.

Acquisition & sale

Individual exit

Joint venture & partnership

Fundraising

What is next? We listen to your questions or needs around your personal wealth and guide you through the next steps. As your companion down the road , we provide you with a tailor-made structure.

Structuring wealth & control

Succession planning & tax optimisation

Family succession

Financial dashboard

Cashflowplanning

Analysis of investment opportunities

Whether it concerns a valuation of your shares or your company, cash flow planning or financial analysis, at deminor NXT we make sure your numbers add up. We transform your strategic vision into a comprehensive financial business plan and help you with your investment decisions.

Valuation

Preparation & assessment of a financial business plan

Screening the numbers

Preparation of financial reporting

Corporate Financial Cash Flow Planning

Financial Analysis of Investment Opportunities

Conducting a fairness opinion in transactions

Structuring your assets and retaining control and income from your business

Deminor NXT > Services > Wealth > Structuring your assets and retaining control and income from your business

Life and your entrepreneurial journey never stand still. You are constantly faced with legal, tax and financial changes that have a direct impact on your private and business assets. To safeguard the capital you have built up and remain in control, a clear asset structure is crucial.

A clear structure not only provides you with a strategic overview of your planning options, but also helps ensure that the management of your private assets remains tax-optimised and legally protected, whilst safeguarding the future of your business.

Furthermore, as a business leader, you must not forget to ensure that you do not become dependent on your children or successors. It is important to determine your desired income and standard of living, so that these can be taken into account in succession and wealth planning.

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Questions you may be asking yourself

How do I structure my business and private assets in a tax-efficient manner?
Should I separate the real estate from the operating activities of my company?
How can I diversify my assets?
How can I protect my assets against unexpected events and legal risks?
How can I transfer capital from my company to my private assets in a tax-efficient manner?
How do I adapt my asset structure to changing economic and tax conditions?
How can I safeguard myself, my family and my business through well-thought-out wealth planning and succession planning?
What options are available for arranging my estate planning through external financing in the context of transferring the business to one or more of my children?
How can I maintain my standard of living and generate sufficient income following the transfer of the business or after a family succession?

deminor NXT provides you with independent advice to help you structure and optimise your professional and private assets in a way that is tailored to your needs. An up-to-date, flexible asset structure ensures a balanced arrangement and contributes to peace of mind.

This approach helps you, in your role as an entrepreneur, to take a helicopter view of your assets or zoom in on the detail as required. This allows you to retain control and respond flexibly to new investment opportunities, significant life events or your succession planning. You should also ensure that you maintain your standard of living and have sufficient income following the transfer.

Situations you may find yourself in

You are facing a major life event, such as a marriage, a divorce, the birth of a child or a move. You wish to establish or review your asset structure to adapt to these changes and safeguard your financial stability.
You are about to make an important financial decision - such as purchasing a house or acquiring a business. Consequently, you want to know whether that decision is financially feasible and how best to structure it.
You own several businesses and wish to set up an overarching wealth structure (such as a holding company) to centralise and simplify the management and coordination of your business activities.
You are considering a business acquisition or merger and wish to structure your assets in advance to rigorously mitigate financial risks and prepare for a smooth transition.
You wish to actively protect your assets in the long term and safeguard financial continuity for the next generation when transferring your assets.
An (announced) change in tax or other legislation is putting pressure on the profitability of your accumulated capital, making a critical review of your current asset structure essential.
You wish to transfer your business, but you want to ensure you have sufficient income for your retirement.

Our approach

Step 1

We conduct a comprehensive exploratory meeting to ascertain your priorities, expectations and asset inventory.
Step 2

We draw up an overview of your current situation, with recommendations and risks.
Step 3

We discuss the recommendations and risks with you and draw up a tailor-made asset structure after your approval.
Step 4

We roll out the structure and help you put it in place.

Get in touch

Do not hesitate to send us a message: we are happy to listen to your questions and will do our utmost to answer it quickly and comprehensively. You can also choose to visit us in person in Brussels, Ghent or Antwerp. If necessary, we will put you in touch with the right experts.

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Structuring your assets and retaining control and income from your business

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