Chapter 1 of 15

Why Belgium?

Proximity, language, three regions, pros and cons, comparison with the Netherlands

Summary

Belgium is the neighboring country that Dutch people know best — and simultaneously underestimate the most. Approximately 120,000 Dutch nationals live there permanently, making it the second most popular European emigration destination after Germany. The appeal is logical: you speak the language (in Flanders), you can reach family in the Netherlands within two hours, housing prices are lower, and quality of life is high. But Belgium is not "Netherlands-light." The country has its own character, a complex state structure with three regions and three language communities, and a bureaucracy that sometimes drives even Belgians to despair. This chapter helps you determine if Belgium is right for you.

What you need to know

Three regions, three worlds

Belgium consists of three regions, each with their own government, laws, tax rates, and culture: Flanders (6.7 million inhabitants) — Dutch-speaking. The economically strongest region, with low unemployment, good infrastructure, and a high education level. Cities like Antwerp, Ghent, Bruges, and Leuven are vibrant, culturally rich, and well-connected. For Dutch people, Flanders is the obvious choice: you speak the language (with some adaptation to Flemish expressions), the distance to the Netherlands is short, and integration goes relatively smoothly. Wallonia (3.6 million inhabitants) — French-speaking. The south of Belgium is greener, quieter, and cheaper. The Ardennes offer nature you won't find in the Netherlands. Unemployment is higher and the economy less dynamic, but living costs are significantly lower. Cities like Namur, Liege, and Mons offer a quiet French-Belgian life. You do need to speak French — without it, things get difficult.

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Knowledge Base

Glossary
  • eID (Electronic Identity Card)

    The Belgian electronic identity card. As an EU citizen you receive an E-card or E+-card. Use it to identify yourself with the government, bank and for online services via Itsme or eID software.

  • Rijksregister (National Register)

    The Belgian national population register. You receive a national register number when registering in your municipality. This number is required for work, taxes, health insurance and all official matters.

  • Mutualiteit (Health Insurance Fund)

    The Belgian health insurance fund. You are required to join a mutualiteit for your health insurance. Choose from: CM, Solidaris, Liberal Mutuality, Independent Fund, or the Auxiliary Fund (CAAMI).

  • Crossroads Bank for Social Security

    The central database connecting all Belgian social security institutions. Your national register number is the key to this system.

  • Kinderbijslag (Child Benefit)

    Belgian child benefit, called "Groeipakket" in Flanders. Automatic entitlement when living and working in Belgium. Amounts vary by region (Flanders, Wallonia, Brussels).

  • FOD Financiën (Federal Finance Department)

    The Belgian federal tax department. Here you file your annual tax return (Tax-on-Web), register as a taxpayer and handle all fiscal matters.

  • Personenbelasting (Personal Income Tax)

    The Belgian personal income tax. Progressive rates from 25% to 50%. Belgium has one of the highest tax burdens in Europe, but also many deductions and benefits.

  • Gemeente (Town Hall)

    The Belgian town hall. Here you register, request documents, and handle administrative matters. In Brussels and Wallonia this is called "commune" or "maison communale".

  • Zorgkas (Care Fund)

    The Flemish care insurance for non-medical care (home care, care homes). Mandatory for all residents of Flanders and Brussels. Annual contribution of ~€54.

  • Itsme (Digital Identity App)

    The Belgian digital identity app. Essential for online government services, banking and signing contracts. Comparable to DigiD but on your smartphone.