Disclaimer
Last updated on September 24, 2026
The information, Excel files and calculators on Excel By Osko aim to make financial topics understandable. They are informational and indicative.
No personal advice
Nothing on this site is personal financial, tax, legal or accounting advice. The calculations do not take every individual circumstance into account and do not replace an accountant, tax adviser, banker or lawyer.
Sources and currency
Where calculations rely on Belgian legislation or rates, we list the sources, the assumptions and the date of the last update. Legislation and rates change regularly; always check important figures with the official source.
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You use the files and calculators at your own responsibility. Excel By Osko and Osko Consult are not liable for decisions you take based on this site.