What is the social regime of the co-worker spouse of the micro-entrepreneur?

Verified 29 September 2025 - Directorate of Legal and Administrative Information (Prime Minister)

If you are a micro-entrepreneur, your spouse can benefit from social protection under certain conditions. To do this, he must have the status of a collaborating spouse and pay social contributions.

Your spouse has the status of collaborating spouse if it meets the following conditions:

  • He participates regularly to the activity of the company
  • He's not unpaid for this activity
  • You are married, past or in cohabitation.

Your partner can also work outside the company.

FYI  

The status of collaborating spouse may not be retained for more than 5 years (cumulative). Once that period has elapsed, he becomes an employed spouse.

Your collaborating spouse must pay contributions in order to benefit from comprehensive social protection:

  • Basic and supplementary pension
  • Disability-death
  • Daily allowances after having contributed for 1 year
  • Maternity or paternity benefits after 6 months of affiliation.

Social security contributions can be calculated in one of the following ways:

  • By applying a specific rate to your turnover
  • By applying a rate to a lump sum

It's at spouse to choose the manner in which he wishes his contributions to be calculated.

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Rate varies according to the activity applied to the turnover

The rate varies depending on the activity you are engaged in.

Sale of goods and provision of housing

A rate of 12.3% is applied to 58% of your turnover.

Example :

You achieve a turnover of €3,000.

The monthly amount of your social security contributions is equal to 12.3% x (58% x 3,000) = €214.

Provision of services in BIC

A rate of 21.2% is applied to 58% of your turnover.

Example :

You achieve a turnover of €3,000.

The monthly amount of your social security contributions is equal to 21.2% x (58% x 3,000) = €369.

Liberal profession excluding Cipav (provision of services in BNC)

A rate of 24.6% is applied to 46% of your turnover.

Example :

You achieve a turnover of €3,000.

The monthly amount of your social security contributions is equal to 24.6% x (46% x 3,000) = €339.48.

Liberal activity under Cipav

One list determining the activities concerned shall be made available.

One list determining the activities concerned shall be made available.

A rate of 23.2% is applied to 46% of your turnover.

Example :

You achieve a turnover of €3,000.

The monthly amount of your social security contributions is equal to 23.2% x (46% x 3,000) = €320.

Rate applied to a lump sum

Sale of goods and provision of housing

A rate of 12.3% is applied to €31,400.

Example :

The annual amount of your social security contributions is equal to 12.3% x €31,400 = €3,862.2.

Service Delivery (BIC)

A rate of 21.2% is applied to €18,212.

Example :

The annual amount of your social security contributions is equal to 21.2% x €18,212 = €3,860.94.

Liberal Profession (Excluding cipav )

A rate of 24.6% is applied to €10,942.

Example :

The annual amount of your social security contributions is equal to 24.6% x €10,942 = €2,691.83.

Activity under Cipav

A list determining the activities concerned shall be made available.

A list determining the activities concerned shall be made available.

A rate of 23.2% is applied to €10,942.

Example :

The annual amount of your social security contributions is equal to 23.2% x €10,942 = €2,538.64.

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