{"id":1030,"date":"2019-09-30T00:00:00","date_gmt":"2019-09-29T22:00:00","guid":{"rendered":"https:\/\/pareto.be\/assurance-droits-de-succession-un-moyen-simple-et-abordable-de-proteger-votre-donation-dune-taxatio\/"},"modified":"2025-04-29T16:15:46","modified_gmt":"2025-04-29T14:15:46","slug":"assurance-droits-de-succession-un-moyen-simple-et-abordable-de-proteger-votre-donation-dune-taxatio","status":"publish","type":"post","link":"https:\/\/pareto.be\/fr\/assurance-droits-de-succession-un-moyen-simple-et-abordable-de-proteger-votre-donation-dune-taxatio\/","title":{"rendered":"Assurance droits de succession : prot\u00e9ger votre donation d\u2019une taxation fiscale simplement et \u00e0 moindre co\u00fbt"},"content":{"rendered":"
\n

Tout le monde y pense en vieillissant\u00a0: la planification successorale. Comment puis-je faire en sorte que mes biens soient correctement transmis \u00e0 mes proches, et ce de mani\u00e8re fiscalement optimale ? Jusqu\u2019\u00e0 aujourd\u2019hui, la voie la plus int\u00e9ressante pour le belge est celle de la donation.<\/p>\n

Prenons l’exemple du Docteur Julien, jeune retrait\u00e9. Il a 65 ans, a \u00e9t\u00e9 m\u00e9decin g\u00e9n\u00e9raliste toute sa vie et s’est constitu\u00e9 un patrimoine cons\u00e9quent au fil des ann\u00e9es. Julien est c\u00e9libataire et p\u00e8re de deux enfants, Bart et Peter. Ses deux fils ont une vingtaine d\u2019ann\u00e9es et il souhaiterait leur donner un coup de pouce financier, le tout comme avance sur son h\u00e9ritage.<\/p>\n

Enregistrer la donation ou non ?<\/strong><\/p>\n

Julien souhaite r\u00e9aliser une donation et effectuer un virement bancaire \u00e0 Bart et Peter d\u2019une valeur totale de 1.000.000 euros, soit 500.000 euros chacun. Julien, r\u00e9sidant en R\u00e9gion flamande, apprend qu’il peut donner cette somme sans aucune forme d’imp\u00f4t et souhaite profiter de cette opportunit\u00e9. Les liquidit\u00e9s sont ainsi transmises de mani\u00e8re fiscalement neutre et \u00e9chappent aux droits de succession de 27% (taux marginal d’imposition le plus \u00e9lev\u00e9 en R\u00e9gion flamande) auxquels elles auraient normalement \u00e9t\u00e9 soumises en cas de d\u00e9c\u00e8s de Julien.<\/p>\n

Cette transmission n\u2019est toutefois pas sans risque\u00a0: si Julien d\u00e9c\u00e8de end\u00e9ans les 3 ans qui suivent la donation, l\u2019administration fiscale consid\u00e8rera toujours le montant des liquidit\u00e9s donn\u00e9es comme faisant partie de la masse successorale de Julien. \u00a0Elles seront donc soumises aux droits de succession. Par cons\u00e9quent, pr\u00e8s de 270 000 euros (27%) pourraient \u00eatre dus \u00e0 la R\u00e9gion flamande. Ce risque pourrait \u00eatre \u00e9vit\u00e9 par Julien en faisant enregistrer sa donation, mais dans ce cas, il sera redevable de droits de donation calcul\u00e9s au taux de 3%, soit 30 000 euros au total. Bien que ce dernier imp\u00f4t soit moins \u00e9lev\u00e9 que celui sur les successions, il existe toutefois une solution plus optimale et moins on\u00e9reuse en vue de couvrir le risque de d\u00e9c\u00e8s.<\/p>\n

L’assurance droits de succession comme solution<\/strong><\/p>\n

Les droits de succession potentiels peuvent \u00eatre couverts par le biais d\u2019une assurance couverture d\u00e9c\u00e8s. Bart et Peter contractent tous deux une telle police d\u2019assurance sur la t\u00eate de leur p\u00e8re, tout en se d\u00e9signant eux-m\u00eames comme \u00e9tant les b\u00e9n\u00e9ficiaires du contrat d’assurance. Le montant assur\u00e9 est celui des droits de succession qui seraient dus sur les liquidit\u00e9s donn\u00e9es, soit deux fois 135 000 euros, ceci pour une dur\u00e9e de 3 ans.<\/p>\n

Les primes annuelles pour une telle assurance droits de succession s’\u00e9l\u00e8vent environ \u00e0 1 250 euros, soit pour Bart et Peter, une somme totale de 7 500 euros (1 250 euros* 2 * 3) sur trois ans. Opter pour une telle assurance est donc beaucoup moins on\u00e9reux que l\u2019enregistrement de la donation.<\/p>\n

Il s\u2019agit de la construction d\u00e9nomm\u00e9e \u00ab\u00a0ABA\u00a0\u00bb. Les fils sont \u00e0 la fois preneurs d\u2019assurance et b\u00e9n\u00e9ficiaires\u00a0; leur p\u00e8re en est la personne assur\u00e9e. Cette structure est la plus int\u00e9ressante d\u2019un point de vue fiscal. Si Julien d\u00e9c\u00e8de end\u00e9ans les 3 ans qui suivent la donation, le montant assur\u00e9 sera vers\u00e9 \u00e0 Bart et Peter sans aucun droit de succession car la structure conseill\u00e9e constitue une stipulation pour soi-m\u00eame. Les fils paient les primes annuelles et lorsque le risque assur\u00e9 survient, une somme leur est vers\u00e9e. Il n’y a donc pas de transmission de patrimoine entre eux et une tierce personne, ce qui signifie qu’aucun imp\u00f4t n’est d\u00fb.<\/p>\n

Une telle assurance constitue donc une fa\u00e7on inventive de couvrir votre donation d\u2019une taxation par l\u2019administration fiscale.<\/p>\n<\/div>\n

Simon Boon – Juriste chez Pareto SA<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Tout le monde y pense en vieillissant : la planification successorale. Comment puis-je faire en sorte que mes biens soient correctement transmis à mes proches, et ce de manière fiscalement optimale ? Jusqu’à aujourd’hui, la voie la plus intéressante pour le belge est celle de la donation.<\/p>\n","protected":false},"author":2,"featured_media":15308,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1030","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-non-classifiee"],"acf":{"alternate_title":null,"introduction":null,"buttons":null,"image":null,"display_type":null},"yoast_head":"\nAssurance droits de succession l Pareto, Your Financial Partner<\/title>\n<meta name=\"description\" content=\"La planification successorale est une \u00e9tape essentielle. 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