Nicolaas Vancrombrugge

Senior Wealth Planner – Belgium and Luxembourg

Nicolaas Vancrombrugge is a Belgian qualified lawyer with over 25 years of experience in civil law and taxation. For almost 20 years, Nicolaas has been working in the Luxembourg financial industry as a Senior Wealth Planner specialising in cross-border and international matters in wealth and estate planning with a focus on the Benelux markets. Prior to joining Utmost Luxembourg, he worked in several big Luxembourg banks, as a Legal Counsel at a Big 4 company in Belgium and as an attorney at the Brussels bar. He is a regular speaker at webinars and wealth planning conferences and he has made several publications about the legal and tax aspects of life insurance contracts for Belgian residents.

Qualifications

Qualified Lawyer (Belgium)
Postgraduate in European Law (France)
Postgraduate in Corporate Law.

#8 Summer 2026 Belgium: Capital Gains Tax – Implications for Wealth Structuring By Nicolaas Vancrombrugge In this context, Nicolaas Vancrombrugge examines the implications of the new rules and considers how life insurance structures, particularly Branch 23 contracts, can support more efficient and manageable outcomes for clients.

#6 Winter 2026 Belgium Budget 2026: Key Tax Changes Impacting Life Insurance Planning By Nicolaas Vancrombrugge On 23 November 2025, the Belgian government agreed its Budget for 2026. Two measures are particularly relevant for the commercialisation of life insurance contracts for Belgian resident policyholders.

#5 Autumn 2025 Using A Post-Mortem Clause to Support Family Succession Goals in Belgium By Nicolaas Vancrombrugge In this case study, Nicolaas Vancrombrugge, Senior Wealth Planner – Belgium and Luxembourg, demonstrates how a post-mortem clause within a life insurance contract could be used to support succession planning for a Belgian client with a blended family.

#5 Autumn 2025 How Life Insurance Can Simplify Controlled Inheritance Planning in Belgium and Luxembourg By Nicolaas Vancrombrugge In this article, Nicolaas Vancrombrugge, Senior Wealth Planner – Belgium and Luxembourg, explains how an insurance-based wealth solution can be used to support controlled distribution strategies, offering a simpler and more cost-effective alternative to traditional structures.

#4 Summer 2025 Belgium Introduces Capital Gains Tax on Financial Assets By Nicolaas Vancrombrugge This article outlines the key features of the proposed tax based on early commentary and a preliminary draft law. We also provide initial insights into its impact on unit-linked life insurance contracts.

#3 Spring 2025 Efficient Inheritance Planning and Wealth Management for a Belgian Family By Nicolaas Vancrombrugge This case study examines the inheritance planning and wealth management strategy for a middle-aged couple in Belgium.

#3 Spring 2025 Inheritance and Gift Planning for Belgian and Luxembourg Residents By Nicolaas Vancrombrugge Navigating inheritance and gift tax planning can be complex, especially for wealthy residents of Belgium and Luxembourg. In this article, Nicolaas Vancrombrugge, Senior Wealth Planner – Belgium and Luxembourg, explores the intricacies of inheritance tax rates and the flexible legislation regarding gifts in both countries.

#2 Winter 2025 Understanding the Debate on Belgium’s Branch 6 Capitalisation Contracts By Nicolaas Vancrombrugge Nicolaas Vancrombrugge looks at the latest developments in the Luxembourg Branch 6 capitalisation contract and the ongoing regulatory debate with the Belgian Financial Regulator (FSMA). This article explores the implications for Belgian corporate entities and the positions of both the FSMA and the Luxembourg insurance sector.

Nicolaas Vancrombrugge

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