As a private person

As a private person

Benefit in 3 different ways

You can become one of Incofin cvso’s shareholders for as little as EUR 130.20, which corresponds to 1/20th of a share. An entire share costs EUR 2,604.

Your 3 benefits:

  1. Dividend: in 2015 the dividend amounted to 2.5%. Incofin cvso does not strive for a maximum dividend, only for a fair one. First and foremost, we want our investments to achieve a major social impact. Furthermore, Incofin cvso is not in a position to guarantee future returns.
  2. For the first EUR 190 of the dividend, you will not have to pay a withholding tax.
  3. Tax break of 5% of the invested amount: Incofin cvso is an accredited development fund for microfinancing. In consequence, you can obtain a tax break by investing in this fund. Be sure to read the conditions for tax break.

Become shareholder


How can you invest in the Incofin cvso fund?

If you would like to invest in the Incofin cvso fund, you simply have to complete the following steps:

  1. Fill out the registration form
  2. Transfer the desired amount to the account number of Incofin cvso at VDK Spaarbank: IBAN: BE16 8900 1429 2474 - BIC: VDSPBE91.

Once we have received your deposit, you will receive:

  • a certificate as proof of your share ownership;
  • Incofin’s monthly newsletter; 
  • the annual report.

If your investment entitles you to a tax break, you will receive a tax certificate before 31 March in the year following your registration. For example: for your payment in 2015, you will receive a certificate before 31 March 2016.

Why would you invest in microfinancing?

Poor people in developing countries have limited access to the services provided by regular commercial banks, either because their income is too low or because they live in secluded areas. Microfinance Institutions (MFIs) specifically target these people. People with ideas and a sense of initiative can borrow a small amount (microcredit) from an MFI, intended for investment in their own micro-enterprise. This loan leads to a higher standard of living and a greater capacity to cope for the borrower, who contributes to the growth of the local economy. Today, approximately 150 million people have access to microcredit, through more than 10,000 active MFIs worldwide.

Invest through Incofin cvso. Your contribution helps people in developing countries to build a decent life for themselves…

Become shareholder

Between 1 January and 30 June, you may withdraw (completely or partially) as an Incofin cvso shareholder by writing. This is free of charge. When you withdraw, you are entitled to the distribution of the nominal deposit.


Incofin cvso: download the annual report 2016 (in English) .


Success story

My financial position is now good

The success story of Patience Omoregie from Nigeria goes to show that microfinance helps people escape from the poverty spiral. Thanks to the longstanding support of LAPO she has been able to expand her clothing business, now achieving an average monthly profit of NGN 50,000 (EUR 237).

Make a donation

Incofin cvso is on the independent information site for donors:


Success story

Triggering a spark of enthusiasm and hope

For many years, Sayen Voskanyan’s family from Mkhchyan village in the Artashat district has strived for better housing conditions. This villager has been working together with Kamurj for two years now.