Doctors, dentists, pharmacists, veterinarians, physiotherapists and other healthcare professionals share one reality: a packed schedule, constant responsibility, and a career strewn with complex financial decisions that are taught neither at university nor in hospital. Should you remain a natural person or incorporate? How should you structure your assistant's or associate's fee retrocessions? How do you combine the INAMI/RIZIV social status, supplementary pension (IPT, VAPZ) and guaranteed-income insurance to truly protect yourself? How do you finance the purchase or buy-out of a practice, a pharmacy, a patient base? To these questions are added sharp sector specifics: the VAT regime for care services and its exceptions, conventioning, billing standards to insurance bodies, practising in association or in a cost-sharing company. All within a tax framework where the line between legitimate optimisation and excess is closely watched. Approximate management costs dearly; expert management frees up time, net income and peace of mind.

The medical and paramedical professions are at the heart of Catalyst's history: it is one of our partners' historical specialisations, and several of our teams devote the bulk of their activity to it. We support healthcare professionals at every stage: the first years on retrocession, the choice of the moment and the terms of incorporation, the structuring of remuneration (remuneration / dividend trade-off, benefits, pension), the purchase of equipment or professional real estate, setting up in association or in a medical centre, the buy-out of shares in a practice, all the way to valuation and transfer at the end of a career. We master the sector's tax and VAT specifics, the workings of the insurance bodies and the ethical constraints specific to each profession. And because your time is your scarcest resource, everything works digitally: your documents are transmitted in a few seconds via our platform, and your dedicated expert answers quickly — including outside consultation hours.

Each profession has its specifics, and we know them. For doctors: hospital retrocessions, mixed employee–self-employed statuses, conventioning and INAMI/RIZIV social benefits, practising in association. For dentists: heavy equipment investments, practice buy-outs and patient-base valuation, collaborations between practitioners. For pharmacists: buy-out and transfer of pharmacies, stock and margin management, structuring of pharmacy groups. For veterinarians: VAT specific to the activity, associations and cost-sharing companies, multi-site clinics. For paramedics — physiotherapists, speech therapists, nurses, psychologists: choice of status, conventioning, incorporation at the right moment. This granularity changes everything: your questions find immediate answers, backed by dozens of comparable files.

A few examples drawn from our practice, reported by our partner specialised in your profession, Julien Grafé:

A healthcare professional at the start of their career entrusted us with setting up their first company: beyond the tax aspect, we paid particular attention to wealth structuring and to protecting their family, so that their loved ones are taken care of whatever happens.

A young dentist, supported since leaving university and signing their first retrocession contract, recently bought, with our help, stakes in their first practice — understanding each option and its implications in a pragmatic way before deciding.

A family group that today operates ten pharmacies, formerly a client of a very large accountancy firm, chose us for our personalised approach: we transformed and adapted their structure to their growth, giving them the tax and accounting peace of mind required for their expansion.

A veterinary centre operating in association has, since its creation, entrusted us with the accounting of its operating company and its management companies. And an operator of medical centres built its business plan, its economic model and its financing with us.

Because your situation is anything but standard, your accountant cannot be either. At Catalyst, you work with ITAA-certified accountants and tax advisors specialised in the medical professions, who handle files like yours every day — and therefore know what is done, what can be optimised and what can be defended. You benefit from a dedicated point of contact whom you know, backed by all the group's skills: taxation, payroll for your assistants and secretaries, strategy for your acquisitions, wealth management for your future. The testimonials of your peers — doctors, dentists, pharmacists, veterinarians — are our best calling card: discover them on our Clients page. Finally, we know that your time does not free up during office hours: our digital way of working lets you handle the bulk of your administration when it suits you — between two patients or on a Sunday evening — while the important decisions are taken in genuine meetings with your expert.