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Firms in the Spotlight Fintech

Lauwers Law

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Lauwers Law stands as a beacon of excellence in the realm of tax law, renowned for its profound expertise and a uniquely tailored approach that effectively navigates the complexities of tax law across Belgium’s diverse regional landscape.  Our comprehensive services cover a broad spectrum of tax-related matters, including corporate taxation, international tax law, VAT, and …

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Fintech in Belgium

Bird & Bird

Bird & Bird‘s fintech practice stands out for its wide-ranging expertise across financial regulatory, IT, transactional and data protection matters, which enables the team to maintain a standout client base of banks and financial institutions, fintech and IT services, retailers, and payment providers. Regularly advising on the regulatory and licensing aspects of new product launches and Belgian market entries, the team is particularly noted for its ability to handle matters in the e-commerce and e-banking spaces, with digital authentication and cybersecurity representing growing areas of focus. Practice head Scott McInnes is noted for his ability to handle cross-border work for payment providers, while Cathie-Rosalie Joly is well-versed in financial and tech regulatory matters. Payments and insurance expert Cedric Berckmans was promoted to partner in May 2023. Julien Sad, who also handles contentious and non-contentious matters in the payments space, is another name to note.

Practice head(s):

Scott McInnes

Other key lawyers:

Cathie-Rosalie Joly; Paul Hermant; Cedric Berckmans; Julien Sad

Work highlights

DLA Piper

Noted as constituting 'one of the best-connected fintech teams in Belgium', DLA Piper combines financial services and insurance regulatory expertise with IT capabilities to advise on the full gamut of issues in the fintech space. The team is particularly well-regarded for its ability to advise banks, fintech service providers, and investment funds on the roll-out of innovative tech products and services, maintaining a strong reputation for handling work in the crypto and blockchain space while also providing regulatory advice in connection with an increasing number of AI service launches. Further areas of specialism include ESG compliance, regulatory and licensing issues around e-payment and e-money platforms, contentious and non-contentious cybersecurity matters, and digitisation projects in the insurance sector. The team is led by Pierre Berger, who is widely regarded as an expert on financial and insurance regulation. Michaël Heene, who advises fintech clients on transactional matters, is also recommended.

Practice head(s):

Pierre Berger

Other key lawyers:

Michaël Heene; Nicolas Kalokyris; Marie Goossens


‘They have a strong team that has a complementary set of skills and levels of experience.’

‘The people are extremely motivated and engaged, they will help you get the solution you need and guide you through the process.’

‘One of the best-connected fintech teams in Belgium.’

Key clients

ABN Amro

AG Insurance NV

Aion NV

Alan SA

Alpha Card CBA

Amonis OFP

Argenta Bank-en Verzekeringsgroep NV

Avida Finance AB

Axa Bank Belgium NV

Bancontact Payconiq Company NV

Bank Degroof Petercam Asset Management NV

Banxa Holdings Inc.

Belfius Bank NV

Bitstamp Ltd

Blox BV

BNP Paribas Fortis NV

Bpost NV/SA


Credix BV

Delen Private Bank NV

Doccle BV

The Fortega Group LLC

iBanFirst SA

ING België NV

Insignia Global Solutions Limited

International Swaps and Derivatives Association Inc.

KBC Group NV

Keyrock SA

Kuwait Petroleum (Belgium) NV

Lightyear Europe SA

Loomis Belgium NV

Lukoil Belgium NV

MeDirect Bank NV

MGF (EU) Limited NV

Minna Technologies AB

MIR Limited UK LTD

Qred Företagslån AB

Tioga Capital Partners sLP

Unified Post NV

Vadis Technologies NV



Work highlights

  • Assisted KBC Group with further commercializing an AI driven tool to enhance and automate compliance with AML requirements via a spin-out legal entity (Discai), both in Belgium and other selected EU and non-EU countries.
  • Advised Minna Technologies AB in connection with its subscription management platform, to be integrated in retail banks’ applications.
  • Advised Tioga Capital Partners, a venture capital fund focused on blockchain technology, on the regulatory, corporate and tax law issues relating to the incorporation and commercialisation of private equity crypto funds.

Simont Braun

Crypto platforms, e-money and payment institutions, digital banks, and tech service providers instruct Simont Braun‘s ‘highly specialised‘ team to advise on complex regulatory matters, with the firm focusing particularly on assisting international clients with the establishment of domestic products and activities in Belgium and Belgian clients on their cross-border expansion. The team regularly handles data privacy matters, licensing and regulatory questions surrounding the establishment and disestablishment of neo-banks, and contentious and non-contentious issues in the e-commerce space. Joan Carette, a financial regulatory expert who is increasingly active on blockchain regulation matters, co-leads the practice with Philippe De Prez, who advises on all aspects of fintech product launches. Another key contact in the team is Thomas Derval, whose financial and insurance expertise encompasses contractual matters as well as disputes.

Practice head(s):

Philippe De Prez; Joan Carette

Other key lawyers:

Thomas Derval


‘Great industry knowledge and good contacts with the regulator.’

‘Philippe de Prez and Joan Carette are both great lawyers and have helped clients with a pragmatic and sound approach. ’

‘Strong fintech team. Highly specialised. Good communication skills. Approachable.’

Key clients

Belgian Mobile ID

Buy Way Personal Finance





Taptap Send

Viva Wallet

Aion Bank

Work highlights

  • Advised Buy Way Personal Finance on its international expansion and on various matters in relation to financial services regulations and international private law.
  • Acted for Ebury’s in a dispute initiated by one of Ebury’s clients in breach of a margin call clause for an amount of ca. €5m and advised the client on obtaining the first post-Brexit anti-suit injunction.
  • Advised Belgian Mobile ID, a joint venture between four major Belgian banks and three mobile network operators, on the regulatory and contractual aspects of a mobile identification project, which allows users of the itsme mobile app to register as new clients with commercial entities, to log in and authenticate with those entities, to remotely approve transactions and to digitally sign contracts.

A&O Shearman

Allen & Overy’s fintech practice comprises multidisciplinary practitioners capable of handling regulatory, data protection, and financial matters, with a pronounced focus on questions surrounding the development of digital financial services. The team acts for financial institutions, banks, and digital service providers on a wide range of transactions and product launches and has been instructed to provide advice in connection with cross-border e-payment systems, NFT services, and digital verification tools. The practice is jointly lead by Filip Van Elsen, who focuses on transactions in the TMT sector, and Sylvia Kierszenbaum, who is noted for her financial regulatory and capital markets expertise. Data protection expert Peter Van Dyck is also recommended.

Practice head(s):

Filip Van Elsen; Sylvia Kierszenbaum

Other key lawyers:

Peter Van Dyck; Axel de Backer; Niels De Waele

Work highlights

Baker McKenzie CVBA/SCRL

Baker McKenzie CVBA/SCRL offers both fintech start-ups and scale-ups as well as established banks and financial institutions a 'high level of service and competence' in connection with financial and tech regulatory matters. The practice's multidisciplinary structure is reflected in its leadership: Michael Van Acker is an expert on financial law who drives the team's increasing PSD2 licensing work around e-payment services, Elisabeth Dehareng is an IP and data privacy expert who handles regulatory matters in innovative areas such as AI, and Olivier Van Den Broeke's expertise spans the regulation of digital financial and insurance services as well as e-commerce platforms. Further areas of expertise for the team include anti-money-laundering considerations as well as restrictions surrounding the launch of blockchain-based products.

Practice head(s):

Olivier Van den Broeke; Michael Van Acker; Elisabeth Dehareng


‘Highly regarded, high level of service and competence. I want to highlight Olivier Van den Broeke expecially.’

Key clients



Deposit Solutions



Western Union

Mollie B.V

Alpha Card

Antwerp World Diamond Center

Mercedes Pay

Flawless Money Limited

Robinhood Securities





Esprit Card Services

Mesirow Financial Investment Management


American Express

Baloise Belgium






Baloise Assurances Luxembourg

Work highlights

  • Advised Shares.io, a social investment platform and Fintech start-up, on marketing and consumer protection requirements as well as registration requirements relating to crypto-asset exchange services.
  • Assisted ParkMobile with obtaining and maintaining a limited network exemption from the PSD2 licensing requirements for the set-up of an innovative mobile payment solution for car parking services.
  • Advised to Alpha Card, a provider of merchant acquiring and card issuing payment services that forms part of the American Express group, on various regulatory fintech-related matters.


Besides assisting a number of digital banks, payment providers, and IT startups with an array of regulatory, tax, and project support questions, CMS also leverages its TMT expertise to advise international companies in a wide range of sectors on the launch of e-insurance, e-payment, and verification projects. The team is particularly well versed in providing regulatory advice on cross-border fintech transactions and partnerships as well as on Belgian market entries. Benoît Vandervelde assists financial institutions and fintech companies with regulatory matters, with an increasing focus on the crypto space; he co-heads the team with electronic communications and competition specialist Dirk Van Liedekerke and data privacy expert Tom De Cordier.

Practice head(s):

Benoit Vandervelde; Dirk Van Liedekerke; Tom De Cordier


‘The firm has a crypto-specialised team with an innovative approach to matters at hand and exceptional client-centric services. ’

‘The team has a strong foundation in regulatory principles and case law relevant to the crypto market. They are always available to assist and committed to their clients.’

Key clients


Courtside Ventures


Floa Bank





Samsung Electronics

The Forex Dictionary

Verve Capital Partners

Work highlights

  • Advised Quantessence on their Brexit planning, including the incorporation of a new Belgian entity, filing for and obtaining a Belgian MiFID licence, transfer of business, and opening of branches in London and Prague.
  • Advised Samsung on the offering of devices-related insurance products, including partnership with a third-party insurance broker, regulatory exemptions, contractual terms and structural operations.
  • Advised Incode, a US identity verification and biometric authentication platform, on the development of their products for an offering to Belgian financial institutions subject to anti money laundering regulations.


The ‘client-driven and pragmatic‘ fintech team at Linklaters is noted for its regulatory understanding of the sector, which enables it to advise banks, financial institutions and IT startups on a wide range of issues. In addition to advising on the regulatory and negotiation aspects of blockchain and cloud development projects, the team handles a large volume of investments and transactions in the fintech space as well as assisting with outsourcing and acting in contentious matters. The practice’s leadership encompasses data protection and IT specialist Guillaume Couneson, financial regulation expert Etienne Dessy, and Andreas Van Impe, who is a key contact for advising on the development of digital services, including blockchain technology.

Practice head(s):

Guillaume Couneson; Etienne Dessy; Andreas Van Impe


‘Guillaume Couneson and his team are outstanding on the market. The added value lies in the good understanding of the client’s business, their legal skills and expertise ,but also their true understanding of the fintech/IT business. Such area of law is specific in the sense that we need to understand the fintech/AI/IT product itself, not just the legal rules and contracting negotiation skills. Guillaume combines both perfectly.’

‘The team is pleasant to work with, reactive and creative as it comes to solving complex issues in an efficient manner. The team has in depth knowledge of the Belgian market practices and regulatory expectations, and also engages teams of other (EU) jurisdictions to assess how certain, mainly PSD2, requirements are applied in national jurisdictions.’

‘We’ve been very impressed by both the regulatory/legal knowledge of Andreas Van Impe and Etienne Dessy in often complex and innovative matters, and the competency to apply legal reasonings to the set-up applied by our institution. They also leveraged the international network of Linklaters in the EU to obtain more insight on how EU-wide regulations are interpreted/applied by different regulators. Both individuals have an in depth knowledge of Belgian market practices and the regulator’s expectations, which enables them to work towards feasible, yet innovative, solutions.’

Key clients


Candriam SCA

Work highlights


Noted for its extensive regulatory expertise, the team at Timelex focuses on advising fintech companies on PSD2 licensing and on GDPR compliance, while also assisting with a growing volume of regulatory questions surrounding cryptocurrency, electronic money and payments, and e-commerce. The team is also capable of handling contentious matters and additionally provides project-supporting advice to a number of international clients seeking to enter the Belgian market. Data regulation expert Edwin Jacobs, who is increasingly active on blockchain and NFT matters, heads up the team.

Practice head(s):

Edwin Jacobs

Other key lawyers:

Niels Vandezande


‘time.lex is reliable, has a hands-on approach and delivers fast. They also know the market well and have a very good understanding of client needs.’

‘Edwin Jacobs is our go-to fintech lawyer in Belgium. He is a great attorney, and it is always a pleasure to work with him. We also appreciate his great knowledge about how the regulator ticks. ’

‘The team knows very well the evolutions in Fintech area (including PSD2). This makes the difference compared to other law firms. ’

‘Edwin Jacobs has a lot of competencies in our area and stands out in giving proactive instructions to us.’

Key clients





IQ Vertriebs




Chain Reaction Labs

Work highlights