Crypto Losses Belgium 2026 – Offsetting & Optimization

If you sold crypto at a loss in 2026, you can offset it against gains. Here's how to use losses strategically to minimize your tax bill in Belgium.

How Losses Work in Belgium

Capital losses offset capital gains in the same year. If losses exceed gains, the excess may not carry forward.

Example:

• 2026 gains: €5,000
• 2026 losses: €8,000
• Net: €3,000 loss (no tax)

Year-by-Year Loss Management

In 2026, if you have:

• Gains from trading: €10,000
• Losses from other trades: €7,000
• Net gain: €3,000 × 30% = €900 tax

How to Track Losses

You must record:

1. Purchase date and cost (in EUR)
2. Sale date and proceeds (in EUR)
3. Difference = Loss

Cost Basis Methods

Belgium allows:

• FIFO (First-In-First-Out): Sell the oldest batch first
• Average Cost: Use weighted average acquisition cost

Timing Losses in December

Realize losses before December 31 to lock them in for the current tax year.

Example: It's December 2026 and you have unrealized losses. Sell now to offset gains. You can always rebuy in January.

Strategies for 2026

Action: If you have losses, use them before year-end to offset gains. Every €1,000 in losses saves you €300 in taxes (at 30% rate).

Hinweis: Dieser Artikel dient ausschließlich zur allgemeinen Information und stellt keine Steuerberatung dar. Für individuelle Steuerberatung wende dich an einen zugelassenen Steuerberater.