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Premiums & Loans

Premiums & Loans

Attractive premiums and affordable loans
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An energy renovation always involves a financial investment. Fortunately, the Flemish Government lends a helping hand with attractive insulation premiums and interest subsidies. You can get up to €5,000 back for facade insulation, which is a huge windfall. We explain the financial options in more detail below.

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Borrowing money

Did you purchase a home with an EPC label E or F after January 1, 2023? Then you are required to improve the energy level of your home to at least EPC label C within five years. This often requires a substantial investment.

 

The Flemish government supports you in this through the “renovation loan with interest subsidy.” This is a loan with an interest reduction of up to 3% for 5 years, as long as you meet all the conditions and effectively achieve an EPC C (or better).

 

Cleys can also help you with this: through our partnership with KBC, you can apply for this affordable renovation loan. This allows you to combine a recognized loan with professional guidance from your total renovation partner.

 

Apply for your affordable renovation loan from KBC here.

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Withdraw money

From July 1, 2025, you must be the official owner at the time of applying for the subsidy. A preliminary agreement will no longer suffice.

 

Individuals and companies can apply for a subsidy for energy-saving investments such as retrofitting insulation in facades, roofs, windows, and doors via a single online portal. “My Renovation Subsidy” applies to houses, apartments, and all other buildings in the Flemish Region.

 

Depending on the target group to which they belong, everyone will be able to apply for financial support for retrofitting insulation. Simulate your personal subsidy here.

 

The minimum subsidy for insulating facades for Flemish people in the middle income category is €22.5/m² (max. 25% of the quotation amount). The subsidy for individuals in the lowest income category is 50% of the total investment, with a maximum subsidy of €5,000.

 

There are four income groups within My Renovation Subsidy:

 

Single person (0 dependents)

  • Category 4 (< €24,230)
  • Category 3 (< 24,230 - ≤ 42,340 euros)
  • Category 2 (< 42,340 - ≤ 53,880 euros)
  • Category 1 (> 53,880)

 

Couple (or single person + 1 dependent)

  • Category 4 (< €36,340)
  • Category 3 (< €36,340 - ≤ €59,270)
  • Category 2 (< €59,270 - ≤ €76,980)
  • Category 1 (> €76,980)
Do I qualify?
Post-insulation
  • Roof insulation: If the Rd value is at least 4.5 m²K/W.
  • Facade insulation: If the Rd value is at least 3.0 m²K/W.
  • New windows: If the Ug value is no more than 1.0 W/m²K.
  • New (solid) doors: If the U value is no more than 2.0 W/m²K.
  • Asbestos removal: Provided there is sufficient insulation or in combination with new insulation.
  • Heat pumps: Depending on the type, you can receive a subsidy of up to €8,000 through Mijn VerbouwPremie. Air-water, hybrid, and geothermal heat pumps are all eligible.
  • Solar panels: Anyone investing in solar panels can apply for a subsidy of approximately €150 per kWp via Fluvius, with a maximum of €600 for installations up to 4 kWp. The subsidy must be applied for within 3 months of the AREI inspection.
  • EPC label subsidy: from label E/F to label C or higher. The subsidy depends on the increase in energy efficiency that your home undergoes. The greater the jump in energy label, the higher the subsidy (e.g., from label F to B is more than from E to C).
  • The work must be carried out by a certified contractor such as Cleys BV.
  • You can only apply for the same premium for the same investment once every five years.
  • The materials used must comply with European standards and have valid technical approval (such as an ETA mark).
  • The building must be at least 15 years old. New-build homes or second homes are not eligible.
  • Since the end of 2022, an asbestos certificate has been mandatory for the sale of buildings constructed before 2001. This certificate must be drawn up by a certified asbestos expert.
Voorbeeld afbeelding persoonlijk situatie
Your income

Not everyone is entitled to the same amount of subsidies. The subsidies are calculated using various parameters:

  • Your joint taxable income*: classified according to lowest, middle, and highest income categories
  • Family situation (e.g., single or dependent children)
  • Other investors: companies, natural persons, VME's
  • Landlord via social rental agency (= highest premium amount)

*Flemish people who want to retrofit their facade insulation and have a high income are in any case entitled to the premium of EUR 30/m² (maximum 40% of the quotation amount).

Calculate the grant
Reviews
(203 Reviews})
Herman Fistels (Edegem) - “Highly professional installation of facade insulation at a competitive price. Rarely have I seen so much effort made to minimize disruption and tidy up so thoroughly after the work. Top-notch work!”
Johan Bergmans (Deurne) - “Cleys bv professionally insulated our rear facade and made it presentable again with crepi.”
Isabel Nuyttens (Sint-Niklaas) - "This company has many strengths: Speed: communication, site visit, quotation, and delivery. Communication: friendly and quick response to questions via email. Focus on a personal approach and customer service. Reliability and solid quality. Simplicity: the quote is clearly laid out, options can be easily adjusted, and they give clear advice about the materials and options. Customer friendliness: all staff are very sympathetic and take your wishes into account. Payments: are transparent and made in installments. This company is the right choice if you prioritize good communication, clear agreements, sustainable, long-term solutions, and quality without any headaches."
Christine Heremans (Ghent) - “From quotation to delivery, everyone provided perfect support... friendly... helpful with our questions... a top company... the end result is superb, thanks to everyone.”
Laurent Peeters (Edegem) - “Insulation of apartment facade, more than satisfied with this company! From quotation to completion: professional approach, always willing to provide more information. The installation team works extremely punctually and competently.”
Ellen Van Landeghem - “Very satisfied with this ‘young’ company. After visiting the site, we received a very clear and accurate quote. Excellent value for money. They respond very quickly to emails. The work was carried out very smoothly. Hats off to the team that came to work for us. The site was also left very tidy afterwards. We definitely recommend Cleys!”
Anke Decoster (Kruibeke) - “Very satisfied with this company, very quick, friendly, and personal contact, our side wall was sprayed with cork in record time.”
Thomas De Baets (Gent) - "Cleys exceeded all expectations with the renovation of our terraced house's facade! We appreciated the smooth communication with everyone involved, the manager, site supervisor, and craftsmen, as well as the accurate planning. Diego, our site supervisor, doesn't sell empty promises, but sound advice based on practical experience."
Greet Debusschere - “We had our facade insulated and covered with crepi. We are very satisfied with our collaboration with Cleys. A professional team from quotation to delivery. Everything was cleaned up nicely at the end of the work. Good guidance from site manager Diego. And a fantastic end result. Thank you, everyone.”
Bert De Hertogh (Beveren) - "We would like to express our sincere thanks and admiration for the CLEYS team. From the first contact to the final finish, the collaboration went smoothly. They carried out both our facade renovation and roof renovation with the utmost care and craftsmanship, and the end result is simply beautiful! The CLEYS team excels in professionalism and customer focus. They kept us informed of every step in the process and always worked according to plan, without delays. What's more, we immediately noticed how meticulous and detailed their work was. Their eye for detail made all the difference and ensured a finish that exceeded our expectations."