Before buying an apartment in Belgium: Key checks you shouldn’t miss!

Purchasing an apartment is a significant investment, and while the property’s aesthetics and location might be the first things that catch your eye, there are underlying factors that every potential buyer should be aware of. One such crucial aspect is the decisions made by the general assembly of co-owners, especially concerning upcoming renovations or repairs.

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Financial Responsibilities for Pre-decided Works

When you buy an apartment, there’s a possibility that the general assembly of co-owners has already decided on certain works or renovations. As a buyer, you might wonder: "Do I need to contribute to these works? How can I find out what’s planned?"

In principle, if you’re purchasing an apartment, you’re obligated to contribute to the financing of works that the general assembly decided upon before you became the owner. This holds true even if these works are executed (or paid for) only after the purchase deed is signed. The same rule applies to urgent works where the payment is requested by the syndic (property manager) post the signing of the purchase deed.

Unexpected Additional Costs?

Sometimes, as a buyer, you might find yourself in a situation where you’re required to pay extraordinary charges and capital calls decided by the general assembly of co-owners. This usually happens if these decisions were made between the signing of the preliminary sales agreement and the final notarial deed. However, there’s a catch: this only applies if you, as the new owner, had a proxy to attend the general assembly. In such cases, you’ll be responsible for these costs even if the payment is made before the notarial deed is signed.

How to Stay Informed?

If you’re keen on purchasing an apartment, it’s essential to do your homework. Request the minutes of both the ordinary and extraordinary general assemblies from the past three years. This will give you a clear picture of the planned works and any potential financial obligations you might inherit.

Furthermore, the notary handling your purchase deed will need to request this information from the syndic. Ensure that you’re provided with all the relevant details, so there are no surprises down the line.


While buying an apartment is an exciting venture, it’s crucial to be well-informed about all potential responsibilities, especially when it comes to shared properties in Belgium. By understanding the decisions of the general assembly of co-owners and being proactive in gathering all necessary information, you can ensure a smooth purchase process and avoid unexpected costs.

Remember, a well-informed buyer is a happy buyer. So, before you take the plunge, make sure you’ve checked all the boxes and are fully aware of what you’re signing up for.