Ready to develop your business further?

To grow your business, you need a trusted partner who understands the challenges you face. Partena Professional makes your success personal and supports you as you grow.


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Meeting your challenges together

Partena Professional provides you with support at every level: from advice on social security contributions to optimising your income.
Your business remains your only priority
Thanks to our solutions, you can devote yourself to your core business while we take care of the rest.
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Always safe... and reassured
We work with your chartered accountant and provide proactive advice to highlight your opportunities and grow your business.
Secure income
We protect your income and help ensure the financial stability of your business and pension.

Manage your business

Are you eligible for subsidies? How do you change your status or legal form? Thanks to Partena Professional, you can benefit from professional support and make the right decisions for your business.

All you need to know about social security contributions

What are social security contributions, how are they calculated and why do you have to pay them? We'll explain everything in detail.

Manage your social security file online

Thanks to the My Social Security Manager online tool, you can easily access your information and manage your entire social security file in just a few clicks.

Grants and subsidies

Grants and subsidies are an attractive source of funding for the self-employed. Find out what help you are entitled to and how to get it.

Protect your income

If you're self-employed, it's important to be protected in the event of a setback.

Protect your income and your business

Enjoy your hobby with peace of mind thanks to professional insurance.

Prepare for your retirement

Ensure a comfortable end to your career with the various formulas for the self-employed and their tax advantages.

Protect yourself in the event of health problems

Hospital costs, dentist... Benefit from optimal protection and concentrate on getting well!

Want to optimise your business?

Talk to our experts to get the most out of your business!

Partena Professional helps you to succeed
Use our practical tools
Thanks to our tools designed to make your life easier, you can easily manage everything related to your social security dossier online.
Optimise your contributions
Is your income likely to be higher or lower than the amount used to calculate your contributions? Do you want to benefit from tax reductions?
Solutions to financial difficulties
Having payment difficulties? It happens. Don't let it get out of hand, find out how we can help.
Become an employer
Is your business growing? Hiring an employee is a big step: our social secretariat can help.

Join our social security fund

Much more than a social security fund for the self-employed, Partena Professional secures your social security rights and provides you with the advice you need throughout your career.

  • Benefit from personalised advice on your file thanks to the support of our team of experts.
  • Develop and optimise your business with our tailor-made solutions.
  • Manage your file online, whenever and wherever you want, thanks to our management tool.
All you need to know about your social security contributions?
How are social security contributions calculated?

The amount due for social security contributions is calculated based on a percentage of 20.5%, applied to your annual net taxable professional income. This rate also applies to those who are self-employed in a main activity, as well as those in a side activity.


When you start your professional activity, that number isn’t known yet. That means you’ll pay provisional contributions. The amount of those is calculated on a flat-rate basis and is adjusted after 2 years. Have you been self-employed for several years already? The contributions are then based on your income from 3 years ago. You will also receive an adjustment proposal 2 years later.


You have three options for your social security contributions: 

  1. You pay the legal amount proposed to you. 

  1. You pay a larger sum than the provisional amount. 

  1. You request a reduction of the provisional amount. 



To avoid unwelcome surprises, you can calculate what your social security contributions will amount to. Just use our tool My Social Security Manager. You'll then also be able to adjust your provisional contributions accordingly. 

When do I have to pay my social security contributions?

As an entrepreneur, you have to pay your social security contributions to your Social Insurance Fund, no later than the last day of each quarter:


  • 31 March 
  • 30 June 
  • 30 September 
  • 31 December 


If you’re late, you have to add an increase of 3% per quarter and a surcharge of 7% if you’re still late on the 1st of January of the next year.


Our top tip?


Make your payments by: 

21 March (contributions of the 1st quarter) 

21 June (contributions of the 2nd quarter) 

21 September (contributions of the 3rd quarter)  

21 December (contributions of the 4th quarter)



One final tip: 

Use direct debit. It’s easy: through our online tool My Social Security Manager or one of our experts. 

Am I covered if I fall ill?

The social security contributions you pay each quarter are there to cover you in case of illness (long-term) or inability to work. It also gives you the right to reimbursement of your medical expenses and payment of your benefits.


Are you unable to work? To enjoy your benefits, you need to:


  • notify your Social Insurance Fund and your insurance company

  • have your social security contributions in order. 


If you have to simply visit the doctor or if you’re ill for just a couple of days, the conditions above do not apply.  

How can I calculate my retirement allowance?

Thanks to our pension simulator, you can easily calculate the gap between your income now and your estimated pension.


Is this gap too wide for you to retire comfortably? In collaboration with P&V Insurances, we can offer you a Free Supplementary Pension for the Self-Employed (FSPSE), which allows you to obtain up to 80% of your current income. Additionally, it reduces your taxes and social contributions during your career.


For business managers who have taken out an IPC (Individual Pension Commitment), the tool sends you a report on how to optimise your income in retirement.


For more information on your statutory and supplementary pension, consult this page. 

Do I need additional insurance?

Professional insurance policies are the perfect way to add to your social coverage and protect you and your family in the best way possible. Here are some examples of additional insurance policies offered by Partena Professional that could be useful to you:


  • Guaranteed income insurance: makes sure you have an income when you’re unable to work. 

  • Professional liability insurance: protects you if you cause bodily harm or material damage to third parties during your professional activities.  

  • Workplace accident insurance: required from the moment you hire an employee. Covers work accidents that may occur. 

  • Health insurance for the self-employed: this insurance policy provides you with superior protection for your dental health and hospitalisation expenses.


We also offer other complémentary insurance policies to give you the best possible protection. 

How can I calculate my gross/net salary as a business manager?

To calculate your gross/net salary, including charges and benefits in kind (car, phone, meal vouchers, etc.), use our simulator. You can create and save multiple simulations and compare them easily. 

Partena Professional at your side

Make your business dream come true with Partena Professional. Our solutions, developed by experts, allow you to optimise and secure your income and to be supported at all times.


Discover our solutions