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SME e-wallet

SME e-wallet

The aim of the SME e-wallet is to make education, knowledge transfer, advice and innovation accessible for – mainly the Flemish – SMEs. By means of the SME wallet entrepreneurs can receive financial support when registering for a study program or consultancy services.

More practical information you can find here

Submit your application for the SME wallet


Register on the SME wallet website as a company with your federal token or electronic identity card. Sidenote: the Flemish government will send you all information to the mail adress you entered, also if that person is ill or absent, so you are advised to take a more general mail adress.


Submit the application for the financial support. The deadline for the application is 14 calendar days after the start of the program. For this you need your NACE code, which can be found here. The accreditation number of Antwerp Management School is DV.O105728.


Deposit your share of the entry fee. Take into account the payment terms of your banking company.


Pay the invoice from your share in the SME wallet. Fill in the payment form. The balance of your wallet consists of your own share plus the grant. You will now have to indicate which amount of money you wish to use for the payment of the invoice.

About the SME e-wallet

From the 1st of December 2019 a new regulation in terms of the SME e-wallet applies. A simplified approach and regulation should further encourage and support Flemish SMEs with professionalisation.

In short:
  • Simplified subdivision: advice and education
  • Small enterprises: 30% support
  • Medium enterprises: 20% support
  • From the 1st of January 2020, the maximum support per year is 7,500 euros
  • Growth subsidy: max 25 000 euros
  • Automated and simplified process
Simplified subdivision

The most important change is a simplified subdivision of the options. Where formerly a distinction was made between the different sorts of advice – technology scouting, strategic advice and international entrepreneurship – this is now simplified. You can decide for yourself which amount of money you wish to spend on which of these aspects, and how you wish to divide the total amount of available money according to your own needs.

How much can you receive?

The available amount of money, the so-called subsidy limit, depends on the size of your enterprise. Small enterprises can now receive subsidies for up to 30% of the fee of the study programs and advice. For medium enterprises this is a subsidy of 20%, both with a maximum of 7500 euros as of 1st of January 2020.

The size of your enterprise is determined during the first grant application in the calendar and budget year. Small enterprises have less than 50 full time employees and a maximum turnover or balance sheet total of 10 million euros. Medium enterprises have less than 250 employees and a maximum revenue of 50 million euros, or a balance sheet total of maximum 43 million euros.

More practical information you can find here