E-Invoicing for Fintech Belgium Webinar

1. E-invoicing
Fintech Belgium webinar
26/04/2024
1

2. Agenda
▸ Invoicing flow
▸ E-Invoicing & Peppol
▸ Regulation
▸ E-Reporting (CTC)
▸ RTP
▸ The power of the network
▸ Conclusion
2

3. Credentials
3
Osservatori Digital Innovation
Digiteal is a member of the EU experts group
created by the University of Milan.
E-invoicing expert group
Digiteal is a member of the E-Invoicing expert
group created by the VBO-FEB in Belgium
Certified Peppol Access Point
Digiteal is certified since 2018 with BOSA as
Peppol Authority.
E-invoicing Award 2023
This award showcases Digiteal’s implication in
the E-invoicing environment in Belgium.
E-invoicing
Award ‘23

4. 1.
Invoicing
flow
4

5. Basic flow
Seller Buyer
5
Accountant
Tax authority
Accountant
Tax authority
Global
declaration
Global
declaration
Invoice
Reject the invoice
Credit Note
Invoice
Credit Note
Invoice
Credit Note
All manual !

6. With invoicing/invoice receivable software
Seller Buyer
Invoicing solution
provider
Invoice receivable
solution provider
6
Accountant
Tax authority
Accountant
Tax authority
Invoice
Reject the invoice
Credit Note
Global
declaration
Global
declaration
Partial
automation

7. With e-Invoicing and e-Reporting
Seller Buyer
Invoicing solution
provider
Invoice receivable
solution provider
7
Accountant
Tax authority
Access Point
Tax authority
Invoice
Reject the invoice
Credit Note
Access Point
Processing status
Accountant
Real-time
reporting
Real-time
reporting
Full
automation
support !

8. Poll 1
8

9. 2.
E-Invoicing
9

10. E-Invoicing stakeholders
Sender Receiver
Billing solution
provider
Invoice receivable
solution provider
Sender
Access Point
Receiver
Access Point
10

11. What is Peppol ? (ex for Invoices)
Sender Receiver
Peppol Network
Billing solution
provider
Invoice receivable
solution provider
Sender
Access Point
Receiver
Access Point
11
Directory

12. Peppol Document types
Buyer Seller
Peppol Network
12
Catalog
Order
Order Response
Despatch advice
Invoice
Invoice Response
Credit Note
Pre-award
Post-
award
Message Level Response Technical

13. MLR - Technical response
13
AB - Message acknowledgement
AP - Accepted
RE - Rejected (+ reason)
€€€
€
€

14. InvoiceResponse - Business response
14
AB - Message acknowledgement
AP - Accepted
RE - Rejected
IP - In process
UQ - Under query
CA - Conditionally accepted
PD - Paid
See documentation
€€€
€€
€€€
€€€
€€
€
€

15. Poll 2
15

16. 3.
Regulation
16

17. Belgian Regulation
17
▸ B2G: today
▸ 01/2026: B2B
▸ CTC later (continuous tax/transaction control)
▸ ViDA (vat in digital age)

18. Belgian Regulation
18
https://www.dekamer.be/FLWB/PDF/55/3743/55K3743001.pdf
▸ Approved by the
House of
Representatives
on 01/02/2024

19. In practice
19
“introduce generalized obligation to issue structured
electronic invoices between taxpayers“
▸ B2B
▸ Use of Peppol Network
▸ Sending and receiving
▸ UBL (no pdf)

20. E-Invoicing actors in Belgium
Peppol Authority Tax Authority
Government e-invoicing platform
Network / Peppol Access Points
Accounts receivable software
(CRM, invoicing)
Accounts payable software (ERP,
accounting)
Accountants
Mercurius BOSA
20
>13.000 accountants in BE
in 2024
>40 in BE
>300 in the world and many others…
Document Service Providers
and many others…
and some others…

21. Poll 3
21

22. 22
Belgium e-invoicing status - Sending
Source: ASA report of 2023
A lot of
independents are
sending invoices
manually

23. 23
Source: ASA report of 2023
Belgium e-invoicing status - Sending

24. 24
Belgium e-invoicing status
Source: ASA report of 2023
B2B sending channel B2B receiving channel

25. ViDA next steps
25
▸ There will be intense lobbying by member
states and organizations representing
large integrators to continue to shape
ViDA.
▸ Belgium’s presidency of the EU in S1 2024
will be the occasion to push a more
standard-based approach.

26. Peppol - Key membership indicators
26

27. Peppol - Key membership indicators
27

28. Global Interoperability network
28

29. International
29
EN-16931 in all EU member
states
Factur-X, X-Rechnung, Simple
Invoicing, …
PINT outside EU
Canada, Mexico, Singapore,
New Zealand, Japan, Australia,
and the United States.

30. Poll 4
30

31. 4.
E-Reporting
31

32. CTC
32
DEFINITION
CTC, or continuous tax control, stands for the actions
tax authorities take to monitor transactions.
CTCs include mandatory real-time submission of
invoices and other mechanisms for real-time
surveillance.
CTC is separated into different types: clearance, real-
time reporting and reporting.

33. CTC models
33
Credits https://www.digitalfinancetransformation.com/

34. ViDA next steps - DCTC with Peppol
34

35. CTC - Timeline
35
2010
2008:
Portugal
2013:
Luxembourg
2015
2016:
Poland
2020
2020:
Norway
2021:
Hungary
2022:
Romania
2005 2025 2030
2026:
France
2028:
Belgium ?
Mostly custom implementations based on SAF-T until now.

36. 5.
RTP
36

37. Poll 5
37

38. SEPA Request-to-Pay (RTP)
38
Credit: IN4PAY

39. SEPA Request-to-Pay (RTP)
39
Credit: IN4PAY

40. RTP & Peppol
40
RTP
▸ Send the invoice: URL (mandatory support) or file
(optional support)
▸ Acknowledgement of receipt: Confirmation of
presentment once the customer has acted upon the
request
▸ Payment: Messaging by the Payee to initiate the
payment and receive the feedback
Payment through messaging initiated by the Payee

41. RTP & Peppol
41
Peppol
▸ Send the invoice: Through Peppol, max 25MB
▸ Acknowledgement of receipt: Available with optional
updates on the processing
▸ Payment: Initiated by the invoice receivables software
(could be done through RTP)
Document sending with payment initiated by the Payer

42. 6.
The power of
the network
42

43. Open Standard (example parties)
Sender Receiver
Cloud
Peppol Network
43

44. Increased reception capabilities (B2SB, B2C)
Sender Receiver
Cloud
Peppol Network
44
Billing solution
provider
Sender
Access Point
Receiver
Access Point
/

45. Self discovery
Invoice Sender Invoice Receiver
Peppol Network
45
Invoice receivable
solution provider
Directory
Invoice conditionally accepted
Invoice Sender
supports Invoice
Response ?
NO!

46. Self discovery
Invoice Sender Invoice Receiver
Peppol Network
Sender
Access Point
Receiver
Access Point
46
Billing solution
provider
Invoice receivable
solution provider
Directory
Accept invoice
Invoice Sender
supports Invoice
Response?
YES!

47. Conclusion
47

48. Opportunities
48
▸ You are all sending invoices
- Automate !
▸ 5% registrations in BE -> 100% in 2026
- More companies able to receive electronic
documents
- More documents being exchanged
- More senders to send you documents
▸ BE as front-runner country
- Useful to have a head-start as this is deployed
worldwide.

49. Conclusion
49
Main points:
▸ Peppol is a powerful enabler for ordering and e-Invoicing.
▸ The regulation is progressing on all fronts both at the EU
and the national levels.
▸ In Belgium, it is important to get ready now to
distinguish your solutions in the coming months leading
up to 01/01/2026.
▸ Peppol advantages increase and we are approaching a
critical mass. By embracing it we multiply the benefits
for all our customers.
We want to make you all Peppol champions !

50. ▸ cedric.neve@digiteal.eu
▸ www.digiteal.eu
50
Q&A