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3 plateformes d'investissement régulées en Belgium (2026)

Comparez les plateformes agréées accessibles aux résidents de Belgium. Notes indépendantes, frais transparents, aucun compte requis.

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Comparison table

# Frais Regulated by Actifs CFD loss Actions
1 Veltra InvestNeo-broker (cash equities) 8.7 $1 €1 flat per trade, free recurring plans AFM, DNB StocksETFsBondsCrypto Voir la plateforme
2 Meridian BrokersFull-service broker 8.3 None €4.90 + 0.25% per order, capped at €69 BaFin, CySEC StocksETFsBondsOptions+2 Voir la plateforme
3 Halden & CoWealth manager & brokerage 8.1 $10,000 0.35% p.a. custody + 0.15% per trade FINMA, BaFin, DFSA StocksETFsBondsFunds+2 Voir la plateforme

En détail : toutes les plateformes pour Belgium

#1

Veltra Invest

Neo-broker (cash equities) · Amsterdam, Netherlands

8.7 Excellent

Veltra Invest is built for people who want to put money to work every month without thinking about it. It is not a trading platform, and it does not pretend to be one.

Belgium: served under the AFM licence (Netherlands), also authorised by DNB. Minimum deposit $1. €1 flat per trade, free recurring plans.

Pros

  • Extremely low cost for buy-and-hold
  • Automatic monthly investing into ETFs or stocks
  • Interest paid on idle cash

Cons

  • No demo account
  • Limited to EU-listed venues for some instruments
  • No advanced order types
What we found in testing

Who it suits

Beginners and passive investors. If your plan is a global ETF every payday plus a handful of individual companies, Veltra is hard to beat on price.

Costs in practice

A single euro per order, nothing for scheduled savings plans, and no custody or inactivity fees. Currency conversion on US shares is charged at a transparent 0.25%.

Platform and tools

The app is deliberately simple. You get portfolio breakdowns, dividend tracking and a savings-plan builder. What you do not get is level-2 data, options or margin.

Safety

Securities are held with a regulated custodian and cash is placed with partner banks covered by the Dutch deposit guarantee scheme.

#2

Meridian Brokers

Full-service broker · Frankfurt, Germany

8.3 Very good

Meridian is the closest thing to a traditional bank brokerage on our list, with the depth of product and the price tag to match.

Belgium: served under the BaFin licence (Germany), also authorised by CySEC. Minimum deposit None. €4.90 + 0.25% per order, capped at €69.

Pros

  • Widest instrument coverage on this list
  • Serious research and analyst notes
  • Personal phone support that picks up

Cons

  • Per-order fees add up for small trades
  • Desktop platform has a learning curve
  • No CFDs or crypto
What we found in testing

Who it suits

Investors with larger portfolios who want bonds, options and access to less common exchanges, and who value speaking to a human.

Costs in practice

The percentage fee is capped, so large orders are competitive, but a €500 ETF purchase costs roughly €6. Savings plans on a curated ETF list are free, which softens the blow for regular investors.

Platform and tools

The desktop terminal is powerful and dense. The mobile app covers the essentials. Research, earnings calendars and bond screeners are included for all clients.

Safety

BaFin supervision, German deposit protection on cash, and securities held in the client's own name at a domestic custodian.

#3

Halden & Co

Wealth manager & brokerage · Zürich, Switzerland

8.1 Very good

Halden & Co is the option for people whose priority is safekeeping rather than cost. It is expensive for small accounts and excellent for everything else.

Belgium: served under the FINMA licence (Switzerland), also authorised by BaFin, DFSA. Minimum deposit $10,000. 0.35% p.a. custody + 0.15% per trade.

Pros

  • Highest level of client protection on our list
  • Multi-currency accounts with competitive FX
  • Estate and tax planning support

Cons

  • CHF 10,000 minimum
  • Custody fee makes it costly for small balances
  • No leveraged trading or crypto
What we found in testing

Who it suits

Investors with six-figure portfolios, expatriates who need multi-currency custody, and anyone who wants an advisor they can actually call.

Costs in practice

A 0.35% annual custody fee plus 0.15% per trade. On CHF 100,000 that is CHF 350 a year before trading, which is a lot compared with the neo-brokers above but includes reporting, tax statements and advice.

Platform and tools

The client portal is functional rather than flashy. Performance reporting, consolidated tax documents and a research library are the strengths; charting is basic.

Safety

Swiss securities are segregated and would be returned to clients even in a bankruptcy. Cash benefits from the Swiss depositor protection scheme up to CHF 100,000.

Questions des investisseurs en Belgium

Which regulator protects investors in Belgium?

The primary supervisor is the Financial Services and Markets Authority. Firms may also serve residents of Belgium under a passport or cross-border permission from another recognised regulator; our listings note which licence applies to you.

Can I deposit in EUR?

Most platforms listed for Belgium accept EUR deposits by card or bank transfer. If a platform only holds accounts in USD or EUR, a conversion fee applies each time you fund or withdraw, so check the platform's fee page.

Do I have to pay tax on profits in Belgium?

In most cases yes, on realised gains and on dividends. Some countries apply withholding automatically at domestic brokers; with foreign brokers you usually self-report. Our tax basics guide explains what records to keep, and a local adviser can confirm your position.

What is the difference between a demo and a live account?

A demo account uses virtual money and real prices so you can learn the platform without risk. A live account uses your deposit. We recommend at least a couple of weeks on a demo before funding.

How do I know a platform is really licensed?

Find the legal entity name in the platform's footer and search it on the Financial Services and Markets Authority register or the register of the regulator named in our listing. Never trust a screenshot of a licence.

What does the "retail accounts lose money" figure mean?

Regulators require CFD providers to publish the share of retail clients who lost money over the previous year. It applies to leveraged products only. We show it beside every platform that offers CFDs so you can see the risk before you click.

Can I hold real shares, or only CFDs?

It depends on the platform. Our listing shows the asset classes each one offers and whether they are cash securities or derivatives. Long-term investors should look for real shares and ETFs.

What happens to my money if the platform fails?

Client money at a regulated firm is held separately from company funds, so it is not used to pay the firm's creditors. Most jurisdictions also run an investor compensation scheme with a per-client limit. Check the limit that applies in Belgium.

Nearby countries