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Premiums & Loans

Premiums & Loans

Attractive premiums and affordable loans
CLEYS

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

If you have energy-efficiency work done by Cleys, you can take advantage of a low-interest energy loan offered in partnership with KBC. You’ll receive a 1% discount on the current interest rate of the energy loan.

This loan is available for amounts starting at 1,000 euros and applies only to energy-efficiency projects carried out by Cleys, such as insulating facades and roofs, replacing exterior windows and doors, and installing energy-efficient systems. You do not need to be a KBC customer, nor do you need to open an account or apply for a debit card.

Here at CLEYS, we’ll guide you through the process—either in-house, at our office, or at your home—so you don’t have to visit a bank branch. We can submit the loan application together. The loan is repaid monthly, and you can choose a customized repayment plan within the legal maximum terms and subject to KBC’s approval.

Would you like to know what your options are? Then you can run an energy loan simulation with us. You can also perform the simulation yourself on the KBC website and then forward the results to us. Our representative will then be happy to assist you with the application and the next steps.

This promotion ends on 12/31/2026.

Voorbeeld afbeelding verbouwpremie Voorbeeld afbeelding verbouwpremie
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Withdraw money

To apply for Mijn VerbouwPremie as an owner-occupier, you must own the property and be officially registered as living there at the time of the grant application. A purchase agreement alone is therefore not sufficient.

Via Mijn VerbouwLoket, you can apply for a grant for certain renovation and energy-saving investments. The grants you may be eligible for depend, among other things, on your income category, personal situation, type of building and the work carried out. Calculate your personal grant here.

Since 1 March 2026, owner-occupiers in income categories 3 and 4 can still apply for grants for, among other things, insulation and windows and doors. Categories 1 and 2 are now only eligible for a grant for a heat pump or heat pump water heater. For external wall insulation, the grant amounts to a maximum of 50% up to €5,000 for category 4 and 35% up to €3,500 for category 3.

There are 4 income groups* within Mijn VerbouwPremie:

Single person (0 dependants)

  • Category 4 (< €24,750)
  • Category 3 (< €24,750 - ≤ €43,240)
  • Category 2 (< €43,240 - ≤ €55,020)
  • Category 1 (> €55,020)

Couple (or single person + 1 dependant)

  • Category 4 (< €37,110)
  • Category 3 (< €37,110 - ≤ €60,520)
  • Category 2 (< €60,520 - ≤ €78,610)
  • Category 1 (> €78,610)
Do I qualify?
Post-insulation
  • Roof insulation: The Rd value must be at least 4.5 m²K/W.
  • Façade insulation: For external insulation, the Rd value must be at least 3.0 m²K/W.
  • New windows: The Ug value must not exceed 1.0 W/m²K.
  • New solid doors: The U-value must not exceed 2.0 W/m²K.
  • Asbestos removal: In combination with new roof or façade insulation, you may be eligible for an increased grant for the removal of asbestos-containing materials.
  • Heat pumps: Depending on the type of heat pump and your income category, the grant can amount to up to €8,000. Geothermal, air-to-water, air-to-air and hybrid heat pumps are eligible.
  • The work must be carried out by an approved contractor such as Cleys BV.
  • For most categories, you can only apply for a new grant for the same property and the same category of work once every 5 years. For a heat pump, a 10-year period applies.
  • The work and materials used must comply with the technical conditions of Mijn VerbouwPremie.
  • For roofs, façades, floors, windows and doors, the property must in principle have been connected to the electricity grid before 1 January 2006 or have been occupied for the first time before that date.
Voorbeeld afbeelding persoonlijk situatie
Your income

Not everyone is entitled to the same grant amount. For owner-occupiers, the amount is determined, among other things, by:

  • Your combined taxable income, divided into 4 income categories
  • Your family situation, for example whether you are single or have dependants
  • Your ownership situation
  • The type of applicant, such as an owner-occupier, a landlord renting to a housing company, or an association of co-owners (VME)
Calculate the grant
Reviews
(338 Reviews)
Herman F. (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 B. (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."
Laurent P. (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."
Christine H. (Gent) - "From quotation to delivery, everyone provided perfect support... friendly... helpful with our questions... a top company... the end result is superb, thanks to everyone."
Ellen VL - "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!"
FD - "Net ons oud huisje in een nieuw jasje laten steken door Cleys. Heel tevreden van het resultaat. Van de verkoper tot de laatste man op de stelling is alles vlot verlopen! Werfleider Cedric volgde voor ons alles op zodat de kleinste details en vragen direct werden aangepakt. Zeker een bedrijf om aan te raden!"
Anke D. (Kruibeke) - "Very satisfied with this company, very quick, friendly, and personal contact, our side wall was sprayed with cork in record time."
Thomas (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 D. - "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 DH (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."
VN - "We zijn ontzettend tevreden over het werk van werfleider Louis en zijn team. Ze hebben onze woning voorzien van spuitkurk en het resultaat mag er zeker zijn! Alles werd proper, netjes en met veel zorg uitgevoerd. Ook de afwerking is uitstekend."
BY - "Onder begeleiding van Samet, die de werf opstart en echt voor je klaar staat, worden de werken met Alin zijn team gestart en uitgevoerd. En dit team werkt hard, doet fantastisch hun best, werken door en werken netjes. De werken zijn goed uitgevoerd en bouwafval is zeer snel verwijderd. Ik ben waanzinnig tevreden over de uitvoering van het project en ik kan dit uitvoerings team incl. de werfleiders aanbevelen."
DV - "Heel tevreden over het eindresultaat van de werken. Valentina is top en de ploeg zijn echte werkmensen. Ook het opkuisen is goed gedaan. Dank u wel!"
CL - "Onze ervaring met Cleys is zeer positief. Het is een bedrijf dat echt klantgericht werkt en de tijd neemt om elk project volledig af te stemmen op de wensen van de klant. Vandaag hebben we de kleur van onze toekomstige houten ramen gekozen. De heer Lerno kwam langs met een kleurenwaaier van een vijftigtal tinten, waardoor we heel wat mogelijkheden konden vergelijken. Uiteindelijk hebben we gekozen voor een andere kleur dan we oorspronkelijk in gedachten hadden, en we zijn erg tevreden met die keuze. Nu kijken we vol verwachting uit naar de uitvoering van ons project."
W - "Zeer mooi resultaat door team Landi en Wesley. Dit ondanks de moeilijke weersomstandigheden (eerst regen, dan hitte). Heldere communicatie, netjes afgewerkt en met oog voor detail en zorg voor de omgeving rond de werf. Wij zijn zeer tevreden!"
AV - "Wij hebben grote renovatiewerken (isolatie en crepi) laten uitvoeren door de firma Cleys. Wij zijn bijzonder tevreden over het volledige traject. De werken zijn vakkundig uitgevoerd, met oog voor kwaliteit en afwerking, tot in de details. Een speciale dank ook aan onze werfleider Wesley. Hij was steeds bereikbaar, de communicatie was perfect en hij heeft het project opgevolgd van a tot z. We zijn heel tevreden met het eindresultaat dus een dikke dankjewel aan het hele Cleys team!"