New Conference Cycle Fall 2018

Bright Expats and KBC Brussels, in their continuous care to and interest for the Expat Community on Brussels, will organize a new conference cycle during the Fall of 2018, dedicated to the trailing spouse.

Who would contest that the spouse following his/her partner on international assignment, is the keystone of the family’s balance and harmony… and who would contest the abundant professional opportunities she/he has? 

In this next cycle we meet with some of these mobile spouses and learn how to navigate the Belgian job market.

Save the following dates:

  • 20/09/2018, Pauline Six, Bright Expats and Sara Bigwood, Leadership Development Coach & Family Strategist: the main challenges of a professional transition
  • 18/10/2018, Gabriella Snoeck, Snoeck Recruitement: job market and recruitment possibilities
  • 22/11/2018, Marie Vandenberghe, Quality Training: Linkedin; other e-tools and skills for a professional job search

Very much looking forward to meeting you then,
Eléonore & Pauline

Health system for workers in Belgium

If you’ve decided to move for professional reasons or you would like to find a job in Belgium, you may have some doubts about how the health basic right works. What services they do?, what is a “mutuelle”?, is my family protected too?

Family 5


The social security system in Belgium for employed persons comprises the following branches:

• Sickness and Maternity
• Accident insurance and occupational disease
• Death grants
• Disability benefits
• Old-age
• Unemployment benefits
• Family benefits

If you are a European citizen, you should obtain a European health insurance card. This will be very useful to receive assistance while regularizing your situation in Belgium.

Basic social security contributions in Belgium is made through the salary and is in charge of the company. In the case you are freelance or self-employed, you must contribute voluntarily in a social security fund. Besides, students and newcomers who have no jobs and are living with a partner or a family member, they may register as beneficiaries in their care, as long as their income does not exceed 2,500 per trimester.

Work 5


In addition to this basic contribution, in Belgium it is always advisable to hire the services of a mutual, a separate health insurance that takes care of the reimbursement of medical benefits (around 75% of the costs incurred).

To enroll in the mutual you will need to be registered in the municipality and, in some cases, to deliver a certificate of family composition and the European health insurance card.

The “mutuelle” is responsible to activate you in the social security system, providing you the administrative formalities and reimbursement of certain medicines when ordered with a prescription. In addition, attention in pharmacies and hospitals is integrated into your residence / Belgian identity card.

Choosing mutual

The choice of mutual is free. If you have some doubts, on the INAMI (Institut National Assurance Maladie Invalidité) website are links that provide access to information about each mutual. Once chosen, it is best to seek a family doctor. In Belgium the choice is, as in the case of mutuals, totally free, regardless of where you are living.

On the website doctors are classified by municipal administrations or the language they speak. We can also turn to any clinic next to our residence and ask for the attention of a doctor. After each visit the doctor will give you a receipt document that we will send to the “mutuelle” to reimburse us certain amount.

Medical specialist

If you need care from a specialist, surely your family doctor can recommend you some. Some doctors apply the prices set by the INAMI, while others may opt for the free rate (this supplement will not be reimbursed for the mutual insurance).


In case of hospitalization, we are usually billed directly through the mutual and costs are then sent to the patient minus the amount that our statute allows.

Breakfast Conference: “A proper medical insurance”

Hi Expats!
Imagine: you just arrived in a new country, you probably don’t speak the language, your child is sick over the weekend and you have no idea how to contact the doctor on call. Or you are pregnant and wonder which costs will be covered. Or else you need to follow a treatment for a certain health condition and wonder whether you will be reimbursed at the same level than in your home country. Are you covered for private rooms? Do you need to advance the costs before the treatments?
Before going on expatriation, you probably want to have these questions settled first. At the start of many new assignments, questions on medical insurance keep on coming back as one of the expat’s main concerns. Hence, we decided to dedicate the last session before the summer on this topic.
Join us and take benefit of the insight of Maxime Manderlier, International People Mobility Consultant at AON Hewitt, invited by Bright Expats and KBC Brussels.
The conference will be held at our office, avenue de Broqueville 40, 1200 Brussels from 8.30 to 10.00AM.

Very much looking forward to seeing you then!

If you feel triggered by these questions, then register for our next event. It’s free of charge! CLICK HERE

 More info –

How to find a house/apartment in Brussels

Looking for a home in a new country can be difficult, but it can be made a lot easier if you connect with a good service to help you. When you are moving to Belgium there are several options to find a new home that suits your needs and budget, including:

  1. Contact familiars or friends.
  2. Staying at a youth hostel during the search:

In any case, it is risky to confirm a rent or bail from your hometown without having seen it, because there can always be surprises. Once we left the luggage, we can start looking an apartment without weight. If we meet someone we can ask which areas are best for our pocket, and you can also check the map to see the areas with public transport, to decide whether we want to be near or far from the center, near a green area, the university… When we make a decision, you should visit the neighborhood during the day and also at night, because sometimes there may be a different atmosphere. Another important decision is whether we want to share accommodation or, on the contrary, we prefer to live alone.


If you are a student in a Belgian university or exchange, it might be perfect for you to live in a student residence and share common areas with other people. The best option is to contact the hosting service of the university, they have many useful links. For example:


A kot is a typical Brussels house in which you rent a room and share the kitchen, dining room and bathrooms with other young people. They offer more freedom than a residence because normally there is no supervision, and prices vary widely.

Valuations in Brussels in 2014:

  1. Ixelles: +/- 400 €
  2. Cimetière: +/- 250 €
  3. Bascule: +/- € 500
  4. Dansaert: +/- 350 €

Some websites to search kots are:


If you prefer to share a flat with one or more students, you can use the web:

(It is important to know that to contact the owners of the most recent announcements, you must pay the fee of Premium member, and those that have more than a week are free).

Another option is the Facebook group ‘BXL à louer – bouche à oreilles’, but be very attentive because it is a group of more than 30,000 members and there is always a lot of demand.


Another common way is to live alone or with your partner. This search will lead to the pages of traditional rental webs:

Whatever the way in you choose, you must know that you should probably pay a one-month deposit (for stays of up to 6 months) or two-months deposit (more than 6 months) when signing the contract.


If you need to find a house before moving or you want personalized assistance for all of your relocation needs at every step of your transition abroad, a Relocation Agency may be the best solution for you.

The assistance packages of Bright Expats ( are designed to lead you into your new country with full guidance and support such as:

  • School search
  • House search
  • Administrative support
  • Departure assistance
  • Orientation tour and information
  • Mail translation
  • Contacts and communication facilitation

New conference cycle dedicated to: Housing in Brussels

Hey Expats! We have some news, check it out:

Bright Expats & KBC Brussels, partnering again for the Expat community, will be offering in the spring of 2018 a new conference cycle dedicated to “Housing in Brussels”. Interested? Save the following dates:

  1. 22/03/2018: Renting of Buying a property
  2. 20/04/2018: Good to know when buying a property
  3. 17/05/2018: Landord, lessor and lessee’s insurances

The conferences will be held at our office, avenue de Broqueville 40, 1200 Brussels from 8.30 to 10.00AM. Be welcome!

More info –

Breakfast Conference: “A meaningful transition, the opportunities I have

We had a really inspiring Breakfast Conference, on 25 of January, with two great and empowering women: Anne-Sofie van den Born Rehfeld, CEO and Founder of The Library Group, and Marie-Cécile Walreavens, co-organizer of Relay for Life (solidarity and fund-raising for the fight against cancer) in Waterloo.

Pauline Six, co-founder of Bright Expats, talked about the different types of education that you can find in Brussels.

It was a dynamic and different Breakfast Conference, hosted by Bright Expats Brussels and KBC Brussels.

Kristiina Mossop has a “love-hate relationship” with Brussels

Kristiina Mossop is 64 years old with soul and passion of a 20 years old girl.

Originally from Finland, she is used to being an expat, after 26 years living in the United Kingdom.

Kriistina also lived in Sweden, for some years, and she has been in Brussels since 2007.

“I came here because of my ex-husband’s job. I followed him here, and then we got divorced and I’ve been on my own here”, she says. For this woman it was not difficult to find a job in Brussels. “I worked in three different positions. I worked in the European Parliament for five years…”, she said, in the breakfast conference hosted by Bright Expats and KBC Brussels about Fiscal Questions in International Setting, at the Library Group.

Kristiina Mossop, with alive blue eyes, admits having a “love-hate relationship with Brussels”. The hate, she explained, is because of “the paper work and all the very bureaucratic way” that this country works.

Besides that, “the customer service is not very good”. Living in the UK for so many years she got used to the “excellent service” that country provides to the citizens, one thing she didn’t find in Belgium.

“In UK we demand so much, so I learned to demand good service and it’s not always available here”.

However, the love relationship is stronger than the hate.

It’s the “international environment”, she says, and the fact that “whatever you want to do you can do it. It’s available”, that kept her for ten years in Brussels.

Other thing she loves about Belgium is the fact that is a small country. So, in her words, it’s pretty easy to know the other cities. “You can do anything you want”.

If you are about to become an expat in Brussels, Kristiina Mossop has some tips for you. “Research, otherwise you can be disappointed. You have to look carefully about the laws regarding employment, for example, and how the renting system works”.

In the top of that, she warns you: “There are a lot of laws and requirements in Belgium. It’s not the same as other countries. You have to research a lot. Otherwise, you can be badly surprised”.

Cecilia Sjölund fell in love with “International setting” and “politics” in Belgium

Cecilia Sjölund fell in love with Brussels when she came here to do an internship, for six months.

This 27 years old expat is from Sweden and her adventure in the “heart of Europe” begun when Cecilia started to work in the Public Sector from Swedish Region Offices.

This girl attended to the last breakfast conference hosted by Bright Expats and KBC Brussels about Fiscal Questions in International Setting, at the Library Group. With brown eyes and delicate white skin, she told us that “after the internship I went back home to finish my studies but then I had to came back here”.

And she did. Cecilia found a job similar to the internship she was doing, and here she is – very happy – a year after.

But why this Swedish girl loves Brussels so much?

She says the love affair with Belgium begun with “the international setting” and “the political situation”, the two main reasons why she decided to leave her country behind and start a new live here.

“I came to Brussels because I’m interested in Politics in UE, that’s exactly what I’m working for”.

Cecilia gives important advice to all the people that are thinking about coming to Belgium to live. “Have patience” she says, laughing.

“There’s a lot of frustrating things when moving to a new country and a lot of “Belgian administration” that’s difficult to understand. But in the end everything will be ok. Just be patient”.cecilia

Brussels: “The city whose mascot is a little boy peeing onto the heads of soldiers of a rival army”

Brussels. It’s not a name that conjures up an excited yearning in the heart of typical travellers. To some people three things spring immediately to mind, when the squidgy-soft syllables  ‘Bruss-els’ are spoken – bureaucracy, boredom and sprouts.

This is a great shame, because beneath the veneer of a city sometimes seen as just a stuffy administrative centre, Brussels is in fact an historical, fun and happening city – more than worthwhile the visiting.

It is, after all, the city whose mascot is a little boy peeing onto the heads of soldiers of a rival army. It’s the capital of the country where the comic book was invented and home to the iconic comic strip hero Tin Tin (and in fact has a renowned comic museum to brighten up its houses of culture).



And it’s also the city that has bought us the diverse pleasures and sublime sourness of Belgium’s lambic beers.

So put any preconceptions to one-side. For all its multi-national mix-up and pompous post-war architecture, in its heart Brussels has kept true to the spirit of the cultural fusion that is Belgium. So if you’re coming to Belgium for something a bit deeper than a post-stag hangover, you’d do well to consider making the capital city more than just a point of entry for your Belgian stay-over. Better by far to make your stay fit around Brussels.

This city isn’t just the capital of Belgium (and unofficially also of the EU), its largest city (at over 1 million citizens), and the home of a quiver of international organizations (NATO, the European Commission, the European Parliament and, of course, the European Brewery Convention).

Brussels is also the most diverse of Belgium’s big cities, by far. Although three-quarters of its population are classed as Belgian nationals, most were not born here. A third of Brusseleers call themselves Brusselaar (Dutch-speaking Belgian) or Bruxellois (French=speaking Belgian), but a third originally came from France and other European countries. And another third were born as European Commission far afield as Congo or Rwanda, Morocco or Turkey.

The city lies about 115 km inland from the coastal town of Ostend, sitting just north of the line that divides the Dutch-speaking Flemish community of from the French-speaking community.

It started as a tiny hamlet on an island in the River Senne, and literally dug its way out of the marshes surrounding the area, as it laid out drainage ditches and canals.

In fact the name Brussels probably comes from the Dutch ‘Broeksel’, meaning ‘home in the marsh’. Its damp beginnings are recognised today in the bright yellow iris flowers that are used on the city’s coat-of-arms – and as the name for one of the beers of the city’s Cantillon brewery – Iris.

Seven things you wish you’d known before moving to Belgium

Don’t be ashamed to admit it: like most expats moving to Belgium for the first time, you don’t know a lick about the country – apart from rumours about its good chocolate and beer.  

Yet Belgium is so much more than beer and chocolate. Therefore, before your arrival, take a second and learn some of The Bulletin’s essentials about this unique country – for better or worse.

  1. Geography: Where is Belgium exactly?

Covering a total area of 30,528 square kilometres, Belgium is small: in fact, it’s the fifth smallest country in the EU (in front of Malta, Luxembourg, Cyprus and Slovenia). This may explain why people abroad mistake Belgium for a city in France, but suggesting the same here will get you a cornet of pommes-frites in the face.

Belgium – very much a country – is smack dab in between France, the Netherlands, Germany and Luxembourg. While this proved not the most strategic position during wartimes, Belgium’s location today puts you just a stone’s throw from some major European cities, including London (320km), Paris (265km), Amsterdam (173km) and Luxembourg (187km). This means your options for a weekend city trip are virtually endless.

  1. Language: Do you speak…Belgish?

Even better than one Belgish language, Belgium has three official languages: French, German and Dutch. Although you might not realise if you live in Brussels, Dutch is the country’s majority language, with 57% speaking it (42% speak French, and less than 1% speak German).

“Dutch? I thought that was the language they spoke in the Netherlands.”

Correct, but it is also spoken in Belgium by Flemings – people from Belgium’s northern region called Flanders as well as in parts of Brussels. Some (even the locals) say that these people speak “Flemish”, but what they mean is that they speak a dialect of the Dutch language (often called Belgian Dutch) having its own expressions and grammar constructions (think of the differences between British and American English). Therefore, someone speaking Belgian Dutch could communicate with somone speaking Hollandic (from the Netherlands) Dutch, once both sides adjust their dialects to a more standard Dutch.  As for the term “Flemish”, it is an adjective meaning “from Flanders” and refers to the people, and not to the language.

Parlez-vous anglais?

Before you break out your old language books in a worried frenzy, rest assured that, as the capital of Europe, Brussels houses many Europeans and other internationals who speak English as a common language. In fact, it’s rare to find waiters, shop owners or Belgian commuters who cannot give directions, answer questions or offer helpful information in English.

Still, when moving to Belgium, you will discover that language, culture and politics are tightly sewn together. Therefore, having a good basic understanding of who speaks what is a key building block to understanding how the country functions (not to mention sparing you the lecture from a local on the matter).

  1. Belgium: It’s complicated

As the preceeding paragraph partially revealed, Belgium is quite complicated for such a small country. As speculated in The Guardian, one could imagine the country’s famous painter René Magritte having said: “Ceci n’est pas une nation“, and he wouldn’t have been far off.

To quickly summarise:

Belgium is divided up primarily between Flemings (Dutch-speaking people in the north) and Walloons (French-speaking people of the south). The two communities lead pretty parallel lives; besides a common royal family, national football team, foreign office, justice system and army, no national institution – not a single political party, TV station or university – serves them both.

This byzantine-like structure makes running Belgium even more complex: there is one federal government, three regional ones (because bilingual Brussels also counts as a region) and another three on top of those – one for each language group (French, Dutch and, just to make matters more interesting, a small German-speaking community in the east). Thankfully, the Flemish regional government and the Dutch-language community government are one and the same, so the lucky Belgians are today ruled by a mere six different administrations.

One would think living within this intricate governmental system would spell out chaos and immanent collapse, but the reality is far from that: Belgians live for the most part in harmony in spite of these politically charged linguistic differences. Yes, there is the occasional political crisis or heated cross-cultural debate, but Belgians know that these small crises always blow over, so they go on living their lives as usual. They are even willing to poke fun at their country’s linguistic intricacies, like with this video. As for the Belgian administration, it holds things together quite efficiently.

  1. Taxes: Take a deep breath

Belgium, with a marginal tax rate that goes as high as 54%, ranks number one among OECD countries for highest tax rates. It charges a social security rate of 13% for employees and 35% for employers, municipal taxes of up to 11% and capital gains tax of up to 33%. The country has the highest tax and social security burden in the world; single taxpayers take home less than 45% of their actual income, while those in the higher income brackets take home less than 40%.

There is a brighter side to Belgium’s tax system however: thanks to an outstanding social security system, the country ranks among the highest in the world in measures of wellbeing, says the OECD’s Better Life Index.

  1. Weather: Not too hot, not too cold, with quite a few drops of rain

It tops conversation at the morning coffee table, simply because you never know what weather Belgium is going to throw at you on a particular day. Meteorologists class Belgium’s climate as  ‘temperate maritime’, meaning it has warm-ish (July-August average temperature is around 17°C/62.6°F), accompanied with mild winters (averages near 4°C/39.2°F in December-February). Then there’s a little snow – and quite a bit of rain the whole year round.

Still, while many Belgian souvenirs coin the phrase “It’s always rainy in Belgium”, the better motto would be “Belgium has four seasons in one day”. One can have a warm sunny morning, an afternoon shower and conclude with a brisk foggy evening. To deal with this the Belgian way, wear layers that prepare you for all temperatures: having a sweater ready all year round is not a bad idea. Also, carry an umbrella and rain-resistant shoes for the surprise pelting of rain. Finally, on those days where the rain just doesn’t let up, dive into the warmth of one of Belgium’s many cafes and enjoy a coffee. You’ll be joining the hundreds of Belgian locals who do the same, therefore discovering why Belgium is the world’s sixth largest importer of coffee (spending €878,087.95 in coffee imports a year).

  1. Traffic: It’s going to be a long ride.

You thought you had it bad sitting in morning traffic in your home country, but the numbers don’t lie: Brussels is the absolute champion when it comes to traffic. Drivers spend more time – an average of 83.2 hours per year to be precise – stuck in traffic jams in and around the country’s capital Brussels than anywhere else in the world. Belgium’s second-largest city, Antwerp, follows closely behind with 77.5 hours per year. The whole of Belgium also tops the traffic charts, with a driver spending on average 58.1 hours in traffic each year.

You may be thinking, “With all that fantastic public transport, why is everyone taking their car just so they can sit in traffic?” So comes another interesting thing about Belgium: the company car. According to reports, there are about 786,000 company cars riding around in Belgium, or one in five. The highest in Europe, Belgium has its tax system (see above) to thank for its overflowing number of company vehicles: it is more tax advantageous for companies to hand out cars than higher salaries.

Speaking of odd Belgian traffic traditions, the country’s highway system is also world-renowned; from the moon to be precise. Due to an apparent surplus of nuclear-powered electricity during off-peak hours, most highways in Belgium are illuminated at night. There are has so many lights that it is known to be the only man-made structure visible from the moon!

  1. Food and drink: No, you won’t get fat (if you eat and drink like a Belgian)

You’ve probably heard that Belgium is a land of beer (800 kinds to be precise) and chocolate (producing 220,000 tonnes of chocolate a year). Throw Belgian waffles and fries into the mix, and you immediately start thinking; “How am I NOT going to gain 10kg in the first month?” The simple answer: do like the Belgians do.

Sure, Belgians are the largest producers of chocolate, but that doesn’t mean they are its largest consumers: the world’s biggest chocolate selling point is actually Brussels National Airport. The same goes for beer. According to the latest figures released by the Union of Belgian Brewers, beer consumption in Belgium has declined by about a third in the past 20 years, the average Belgian drinking 74l of beer per year.

Instead, the typical Belgian eats three meals a day: a light breakfast (consisting of a Boterham/Tartineor Koffiekoek); light or medium-sized lunch (often a soup or belegd broodje/casse-croûte); and larger dinner (often involving seafood, meat, vegetables and potatoes). While Belgians do occasionally indulge in their country’s specialities, they stay active enough in between mealtimes in order to actually weigh less than most European citizens.