# Warren Building the financially fearless generation. Warren is the financial confidence layer for the working population. A modern Belgian pension product, paired with an app that turns financial complexity into clarity for every employee. This file is a flattened export of the full Warren site for LLM ingestion. Sections: Products, Customer stories, Ebooks, Events, Selected coaches. # Products ## Employee Pension Plan (EPP) URL: https://warren.eu/employee-pension-plan A group pension product for Belgian SMEs and scale-ups. Warren replaces the legacy groepsverzekering / Tak 21 contract with a cost-transparent, investment-backed pension plan, paired with an app every team member uses every week. Calculator-first page: enter team size, contribution and average age, and the page projects net capital at 67 versus a legacy comparison. Buying-journey order: hero with calculator, comparison strip, the app layer, video testimonial, intake form. Built for: HR Directors, CHROs, People & Culture leaders, CFOs at Belgian companies. Common context: rolling off a 0.8 to 1.2% all-in cost Tak 21 contract, looking for a benefit employees can see and use. ## Individual Pension Plan (IPP / IPT) URL: https://warren.eu/individual-pension-plan-ipp A tax-deductible second-pillar pension for company directors and the self-employed in Belgium (Individuele Pensioentoezegging). Warren wraps the IPP in the same modern app, with a net cost calculator that shows the after-tax cost of every euro contributed, given the directors social status. Built for: bedrijfsleiders, BV / SRL directors, self-employed with a management company. Common context: hitting the 80% rule headroom, looking to convert a portion of pre-tax profit into long-term net wealth. ## Wealth Enablement URL: https://warren.eu/wealth-enablement The app underneath every Warren pension plan. Four modules: AI coach (personalised, in their pocket), decoded payslip (salary finally explained), Total Reward Statement (everything you offer them, visible), selected coaches (booked in two taps through the app, paid by Warren). Built so the pension contract becomes the front door to a financial confidence layer the member uses weekly. Built for: every Warren member, every plan. Outcome: financial clarity to confidence, the same surface every week, not once a year. # Customer stories # How Helio Group made pensions readable for 832 people. URL: https://warren.eu/stories/helio-group Company: Helio Group · Industrial manufacturing · 832 employees · Antwerp, BE Format: video Video: https://youtu.be/e_vQ817UlQo A 60-year-old manufacturer trades a paper letter for a product its team actually opens, and rebuilds a benefits story along the way. Eleanor Vermeer ripped out the 14-year-old broker contract, moved 832 members onto Warren in 18 days, and watched weekly engagement hit 78%. Headline numbers: - 832 Members migrated (in 18 days) - 78% Weekly active (vs 8% prior) - +62 Member NPS (+58 pts year over year) - €0 AUM fees (flat €20 per member) Quote: "The moment our team saw the dashboard, everything clicked." — Eleanor Vermeer, Head of People at Helio Group ──────────────────────────────────────────────────────────── # How Wintercircus rebuilt its benefits story around real clarity. URL: https://warren.eu/stories/wintercircus Company: Wintercircus · Hospitality & events · 240 employees · Ghent, BE Format: article Louis Jonckheere's team was rebuilding the company from the inside. The pension was the last legacy contract in the way. Headline numbers: - 240 Members on Warren - 92% Activation rate - Branch 21 Legacy contract retired ──────────────────────────────────────────────────────────── # November Five's pension as a recruiting tool. URL: https://warren.eu/stories/november-five Company: November Five · Product engineering · 180 employees · Antwerp, BE Format: article Tom Vroemans put Warren on the careers page. Six months later, candidates were asking about it in the first interview. Headline numbers: - 180 Members - 1 in 4 Candidates cite Warren - +11% Offer acceptance ──────────────────────────────────────────────────────────── # Yuki built a benefits story its 110 builders are proud of. URL: https://warren.eu/stories/yuki Company: Yuki · Fintech · 110 employees · Bruges, BE Format: article Ellen Sano didn't want another perk. She wanted a benefit that proved Yuki backed its people for the next thirty years. Headline numbers: - 110 Members - 84% Weekly active - +9 pts eNPS year-over-year ──────────────────────────────────────────────────────────── # Human37: clarity as a retention strategy. URL: https://warren.eu/stories/human37 Company: Human37 · Creative services · 62 employees · Brussels, BE Format: article Maxime Vandenbussche wanted his team to understand exactly what they were being paid. Warren made the payslip readable. Headline numbers: - 62 Members - 100% Onboarded in week 1 ──────────────────────────────────────────────────────────── # Ebooks # Pension reform, decoded for HR. URL: https://warren.eu/knowledge-base/ebooks/pension-reform-for-hr Published: 8 May 2026 Language: EN Author: Warren editorial Audience: HR · CHRO · People & Culture A working paper for Belgian HR Directors, CHROs and People & Culture leaders. What the second-pillar reform actually changes for your team, your benefits stack, and the conversations you'll have at the next benefits cycle. You will leave with: - What the second-pillar reform changes, in plain language, for the benefit your team values most. - The four-layer value gap (net outcome, cost, engagement, EX) and how to surface it inside your current provider. - A 5-question audit to run with your existing insurer this quarter, with no commitment to switch. - Member-communication templates for the people who will ask the hardest questions. - A 1-page board readout, ready to adapt for your next benefits review. Chapters: 01. What changed — The reform in plain language, what it touches in your existing groepsverzekering, and what it leaves alone. 02. Why HR owns this, not Finance — Member experience, communication and trust live in HR. The four-layer value gap and what it costs in the long run. 03. What employees will ask — The questions hitting your inbox the morning the press release lands, with the answers that hold up. 04. Auditing what you have — A 5-question conversation with your existing provider. No commitment to switch, no theatre. 05. Communicating the change — Member-facing templates, the cadence that works, and the channels HR teams actually trust. 06. The quarter-one playbook — Five actions to put on the agenda this quarter. No switching required to start. 07. The board readout — A single page for the next benefits review. Editable template included. ──────────────────────────────────────────────────────────── # Pension reform, decoded for Finance. URL: https://warren.eu/knowledge-base/ebooks/pension-reform-for-finance Published: 22 April 2026 Language: EN Author: Warren editorial Audience: CFO · Finance · Controlling The CFO brief on the second-pillar reform. The contribution math, the balance-sheet treatment, the fee mechanics, and the modelling questions to put to your existing provider before the next budget cycle. You will leave with: - The contribution and reserve math under the new regime, modelled against a typical Belgian team profile. - Balance-sheet and tax treatment, with the items your auditor will flag. - Hidden AUM and management fees, decoded line by line, with a side-by-side against Branch 21, 23 and an OFP structure. - A list of questions to put to your current provider, with the answers that should make you pause. - A modelling template you can run on your own headcount inside an afternoon. Chapters: 01. What changed, on the P&L — Contribution treatment, reserve recognition, and the line items that move under the new regime. 02. The fee stack, decoded — AUM, management, performance and exit fees. Where they sit, how they compound, and how to spot them on a quote. 03. Branch 21 vs Branch 23 vs OFP — Three structures, modelled side by side over a full career. The result is not what the brochure shows. 04. Tax treatment — Corporate deductibility going in, the 16.5% coming out, and the special-contribution edge cases. 05. Modelling your own team — A spreadsheet you can run on your real headcount, salary distribution and contribution policy. 06. Questions for your provider — The fifteen questions a CFO should put to an existing insurer or broker, and what to do with the answers. ──────────────────────────────────────────────────────────── # Events # Diamond sponsor at the Vlerick HR Day. URL: https://warren.eu/about/events/vlerick-hr-day-2026 When: 10 June 2026 · 09:00 - 17:15 Where: Vlerick Ghent Campus, Ghent, BE Format: in-person · Audience: HR practitioners · CHROs · People & Culture · sponsored Partner: Vlerick Business School (Host) Price: €945 excl. VAT Registration: https://www.vlerick.com/hrday2026 The Vlerick HR Day is the annual gathering for Belgian HR practitioners, CHROs and People & Culture leaders, hosted by Vlerick Business School on their Ghent campus. The 2026 programme covers pay transparency, AI in performance management, skill-based organisations, workforce planning, and the human side of change. Warren is the Diamond Sponsor. ──────────────────────────────────────────────────────────── # Financially Fearless Conference. URL: https://warren.eu/about/events/financially-fearless-conference-2026 When: 1 October 2026 Where: Wintercircus, Ghent, Ghent, BE Format: in-person · Audience: HR · Finance · Founders · Curious · self-organised Save the date for the first Financially Fearless Conference. A full day on what's next for Belgian pension and financial wellbeing at work, hosted by Warren at the Wintercircus in Ghent. Programme and speakers coming soon. ──────────────────────────────────────────────────────────── # Selected coaches # Ruben Van Hof URL: https://warren.eu/about/experts/ruben-van-hof Specialism: Investment & portfolio strategy Ruben shares his knowledge of investing, both active and passive strategies. You can turn to him with questions about stocks, funds, ETFs and indices; bonds, real estate, private equity and crypto; diversification and risk management; and the basics of getting started with investing. Ruben explains complex topics in an accessible and understandable way, ideal if you’re just starting out or simply want to understand more about how investing works. ──────────────────────────────────────────────────────────── # Joris Evens URL: https://warren.eu/about/experts/joris-evens Specialism: Financial planning As a financial coach, Joris helps you gain more grip on your finances in a calm, approachable way. He shares his knowledge of financial planning, personal finance, insurance, and life planning, and believes that money is a means, not an end - a clear overview starts from what truly matters in life. Joris helps you understand the broad lines of your financial situation, from income and expenses to investments, insurance, retirement, and estate planning, so you can make your own, better-informed choices about your life goals. ──────────────────────────────────────────────────────────── # Thomas Desmet URL: https://warren.eu/about/experts/thomas-desmet Specialism: Personal income tax Thomas shares his knowledge of personal income tax and helps you navigate the often complex tax rules. His tax expertise includes real estate income (such as rent and property), movable income (dividends, copyright royalties, etc.), and self-employed income from either a main or secondary activity. Thomas shares his expertise with great enthusiasm and enjoys making the impact of taxation concrete and easy to understand, so you can make well-informed decisions. Discussion topics: filing personal income tax returns, real estate & taxation, dividends and movable income, copyright royalties, self-employed income (main or side activity), tax optimisation, starting your own business ──────────────────────────────────────────────────────────── # Ineke De Vleeschouwer URL: https://warren.eu/about/experts/ineke-de-vleeschouwer Specialism: Financing & mortgages Ineke shares her knowledge of financing solutions for individuals, with a focus on mortgage loans, consumer loans, and alternative forms of financing. She helps you understand the different options and how they work - including the tax angles and the impact of changes in your life course, such as a move - so you can explore what's relevant to you with more confidence. ──────────────────────────────────────────────────────────── # Patsy Van Olmen URL: https://warren.eu/about/experts/patsy-van-olmen Specialism: Insurance Patsy has more than 30 years of experience in the insurance sector, working as a broker, at an insurance company, and as a lecturer. As part of Warren, she shares her knowledge of insurance for individuals (home, car, family liability, or hospitalisation insurance, tax-advantaged products such as pension savings and life insurance), and for self-employed professionals and businesses (professional liability, D&O, legal protection, occupational accidents, cyber risks, property insurance, ABR, civil liability, comprehensive vehicle insurance, group insurance, IPT/VAPZ, and POZ). ──────────────────────────────────────────────────────────── # Rinse Elsermans URL: https://warren.eu/about/experts/rinse-elsermans Specialism: Inheritance & family wealth law Rinse specialises in all matters related to inheritance law and family wealth law. His expertise spans two crucial areas: the thoughtful planning of assets and succession, and the effective resolution of family conflicts. In the area of planning, he advises families and entrepreneurs on structuring assets, transferring them to the next generation, and finding solutions to complex situations. He provides daily guidance on donations, marriage contracts, wills, and powers of attorney. When family disputes arise such as inheritance conflicts or divorces involving complex asset divisions, he always aims for an amicable and legally secure resolution first. He also has the experience needed to confidently defend your interests in court if necessary. Topics of conversation: succession planning, wills, inheritance law, tax efficiency, business succession, inheritance conflicts, divorce-related asset divisions ──────────────────────────────────────────────────────────── # Frederic Vandebroek URL: https://warren.eu/about/experts/frederic-vandebroek Specialism: HR & compensation Frederic is an experienced HR professional, fluent in Dutch, English, and French. With deep expertise in compensation & benefits, he helps employees make sense of their salary package and all the extras that come with it. You can turn to Frederic if you’d like support with: - Understanding your payslip - Making sense of flexible reward systems - Knowing what bonus schemes mean in practice - Exploring benefits in kind (e.g. company car, meal vouchers, insurances) - Benchmarking your salary package Frederic’s goal is simple: to make HR topics clear and practical, so you feel more confident and informed about your total compensation package. ──────────────────────────────────────────────────────────── # Elke De Vos URL: https://warren.eu/about/experts/elke-de-vos Specialism: Real estate Elke has been active in the real estate sector for over 20 years and has built up experience from a wide range of perspectives. Her expertise lies primarily in residential real estate (sales/purchases, rentals, co-ownership, new builds), but she is also well-versed in renovation coordination, budgeting, and the financial aspects of all things related to property. Topics of conversation: property transactions (buying & selling), rentals, co-ownership, new constructions, renovation projects, real estate financing & investment strategies ──────────────────────────────────────────────────────────── # Manon Taris URL: https://warren.eu/about/experts/manon-taris Specialism: Budget coaching Manon is a budget coach with over 20 years of experience in credit management and mediation. What does that mean? That she’s a great listener - without judgment - and works with you to find realistic solutions tailored to your financial situation. As a wife and mother of two daughters, Manon understands how important peace of mind and clarity are - both in a household and on a bank statement. Her first tip? Start small. Just one honest moment with your bank statements can already make a big difference. Together with you, she brings structure, breathing room, and renewed confidence to your budget. Topics of conversation: day-to-day money management, setting budgets, controlling spending, saving habits, emergency funds ──────────────────────────────────────────────────────────── # Stefan De Plus URL: https://warren.eu/about/experts/stefan-de-plus Specialism: Property & inheritance law Stefan is a lawyer specialising in property and inheritance law. He advises both individuals and entrepreneurs on their (cross-border) estate and succession planning, and defends their interests in family and property law disputes. You can turn to Stefan with questions such as: - How do I draft a well-thought-out will or a legally sound power of attorney? - Is setting up a partnership or foundation a suitable option for my estate planning? - How can I arrange a gift to my children or grandchildren, with or without conditions? - What are the tax and civil law implications of an inheritance? - What are my rights in an inheritance dispute? Thanks to his legal expertise and practical approach, Stefan offers clear answers to complex questions, always with a focus on legal certainty and family harmony. ────────────────────────────────────────────────────────────