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Filing costs without an invoice for tax purposes

SL
2025-02-16

Question

I want to claim the monthly direct debit for my laptop insurance, but this cost is without an invoice. If I want to enter this cost in a manual way, I don’t see how I can claim it for tax purposes. How do I do this without an invoice?

Who is the insurer? Is it a European insurer or the (non-European?) manufacturer of the laptop?

European (and therefore also Belgian) insurers do not normally send an invoice, but rather a due date notice (which is legally equivalent to an invoice). Such a due date notice states the net amount per cover of the premium and the taxes and costs separately. vAT on insurance is normally 0%, but there are other taxes and costs attached to it, some of which are subject to vAT. You can therefore simply treat the due date notice as an invoice and enter it in Dexxter.If the insurer is the non-European manufacturer of the laptop, they are actually required to provide you with an invoice if you ask for one (because they sell to a private person or company in the European Union). Whether or not this includes vAT depends on the country of the manufacturer. In many cases, you can download a 'receipt' from all your purchases (and yearly recurring costs). In that case, the receipt also counts as an invoice.

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You really should try it out for yourself. Even if you don’t have a company number yet, you can already go ahead.

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