How the exemption works
Since 1 January 2026 Belgium taxes gains on financial assets, crypto included, at 10%. The first €10,000 of net gains in a calendar year is exempt. Net means your gains minus your losses of that same year. Only the part above the exemption is taxed.
Example: you realise €14,000 of gains and €1,500 of losses in 2026. Your net gain is €12,500. €10,000 is exempt, so 10% is due on €2,500: €250.
One exemption for all your financial assets
The €10,000 is not a separate crypto allowance. It is shared with your other financial assets, such as shares, funds and ETFs. If gains on shares already used €6,000 of it, €4,000 of room is left for your crypto gains that year.
Unused room carries over
If you do not use the full exemption in a year, up to €1,000 of the unused part carries over to the next year. This way the exemption can grow to €15,000 at most.
What does not use up the exemption
- Simply holding coins: nothing is due until you sell, swap or pay with them.
- Gains made before 2026: coins you already held count from their value on 31 December 2025.
- Moving coins between your own exchange accounts and wallets.
How Compass-Alpha shows it
The free tax estimate shows how much of the exemption your crypto sales have used so far this year and how much room is left. If you also have shares, ETFs or funds, type their result for the year (and any tax your bank or broker already withheld) in the tax overview: the estimate then applies one exemption to everything together and shows what is still to pay or to get back. Without them, it assumes the full exemption is available for crypto.