Lever
Lever
What your clients recover in month one covers the year. Every tier includes unlimited scans and dossiers.
Lever democratises institutional-grade value creation — doing at machine scale, at accessible price points, what private equity firms and Big 4 advisory currently do manually for the top 1%. We start with regulatory financial optimisation for Belgian SMEs, distributed exclusively through certified accounting professionals.
Belgian accountants leave hundreds of thousands of euros unclaimed per portfolio — not because they don't know the rules, but because checking every lever for every client by hand is impossible at scale. Lever makes it effortless.
To make institutional-grade value creation accessible to every Belgian and European SME — improving enterprise productivity, sustaining employment, and strengthening the economic fabric of the region.
Every euro links to a specific legal basis and a confidence level. Defensible under audit.
Lever makes professionals dramatically more capable — it never replaces their judgment.
Enterprise architecture, GDPR-native, and ethically governed by design from day one.
Lever is built by a team with deep Big-4 technology-strategy and finance-transformation experience, advised by an ITAA-certified Belgian tax specialist. The legal basis for every figure — Art. 275/3 WIB92, ONSS target-group rules, regional grant frameworks — is documented and citable, so the accountant always remains the professional of record.
Tell us about your firm and we'll be in touch within two working days.
Version 1.0 · last updated 8 July 2026 · effective from platform launch
This notice explains how Lever collects, uses, shares and protects personal data, and the rights available to you under the EU General Data Protection Regulation (GDPR) and the Belgian Data Protection Act of 30 July 2018.
MAYDA SRL operates Lever, a financial-diagnostic platform distributed to certified accounting professionals. For account, marketing and analytics data we act as data controller. When an accounting firm uses Lever to process its own clients’ data (entering enterprise numbers, running scans, generating dossiers), Lever and the firm act as joint controllers under Art. 26 GDPR; a Joint Controllership Agreement allocates transparency and data-subject-rights obligations between us.
| Category | Source | Purpose |
|---|---|---|
| Waitlist & account data — name, work email, firm, role | You | Create and manage your account; communicate with you |
| Public company data — filings, accounts, sector, headcount from KBO/BCE and the NBB/CBSO | Public registers | Run the lever engine and benchmarks |
| Sole-trader indicators — where a registration is a natural person | KBO/BCE | Flagged; pre-scoring is suppressed until a professional relationship is confirmed |
| Usage & device data — pages, events, approximate location | Analytics (consent-based) | Improve the product |
| Support communications | You | Answer requests |
Lever does not seek special-category data. Company financial data is business data; where it relates to an identifiable natural person (e.g. a sole trader), we treat it as personal data under this notice.
Lever computes opportunity scores from company data. These are decision-support outputs reviewed by a licensed professional — not decisions producing legal or similarly significant effects solely by automated means within the meaning of Art. 22 GDPR. Pre-scoring of sole traders is suppressed by default. In line with the EU AI Act transparency principle, platform outputs indicate that figures are AI-assisted estimates requiring professional validation. A Data Protection Impact Assessment (Art. 35) is completed before any large-scale processing begins.
We do not sell personal data. We use vetted processors under Art. 28 data-processing agreements:
| Processor | Role | Location |
|---|---|---|
| Neon / Databricks | Primary database (data moat) | EU — Frankfurt |
| Cloudflare | Hosting, edge, operational data | EU region |
| Anthropic | AI edge-case interpretation & narratives | US — under EU Standard Contractual Clauses |
| Brevo | Transactional & marketing email | EU — Paris / AWS Frankfurt |
| PostHog | Product analytics (consent-based) | EU Cloud |
Personal data is stored in the EU/EEA. The only transfer outside the EEA is to Anthropic (US) for AI processing, governed by Standard Contractual Clauses and a Transfer Impact Assessment. API payloads carry internal identifiers only — never raw enterprise numbers or company records.
Data is hosted on EU infrastructure (Frankfurt). We apply encryption in transit and at rest, role-based access controls, IP-restricted database access, audit logging, and least-privilege secrets management. Deleted records use logical deletion (a deleted_at marker) so that audit-defence integrity is preserved while excluding the record from all downstream processing.
| Data | Retention |
|---|---|
| Waitlist (no account created) | Until you unsubscribe, max 24 months |
| Account & billing data | Duration of the relationship + statutory retention (up to 7 years for accounting) |
| Scan & dossier audit logs | Retained for audit-defence; logically deleted on valid erasure request |
| Benchmark dataset | Anonymised / aggregated — no longer personal data |
Subject to conditions, you may exercise the rights of access, rectification, erasure, restriction, data portability, objection, and withdrawal of consent. To exercise them, contact privacy@lever.lu; we respond within one month (extendable by two months for complex requests). You may lodge a complaint with the Belgian DPA (APD/GBA), Rue de la Presse 35, 1000 Brussels.
We use strictly-necessary storage and, with your consent, privacy-first analytics. See our Cookie Notice for details and controls.
We update this notice as the platform evolves and will indicate the version and date above. Questions: privacy@lever.lu.
Version 1.0 · last updated 8 July 2026
These Terms govern access to and use of the Lever platform. By creating an account or using the service, you agree to them. Please read them together with our Privacy Notice.
“Platform” means the Lever web application and APIs. “Partner” means an ITAA-certified accounting firm or professional using the Platform. “Client Data” means data a Partner processes about its own clients. “Output” means scores, figures, benchmarks and dossiers generated by the Platform.
Lever scans companies for fiscal and employment optimisation opportunities and produces documented Output. Lever is a decision-support tool, not tax, legal or accounting advice. Output consists of estimates derived from public data and Partner-supplied inputs, intended to be reviewed by a qualified professional before any reliance or submission to an authority.
Accounts are available to (a) ITAA-certified accounting professionals and (b) business owners in respect of their own company (KBO-verified). You are responsible for the accuracy of registration details, for safeguarding credentials, and for activity under your account. We may verify professional status and suspend accounts that fail verification.
The Partner remains the professional of record and retains full professional responsibility for any filing. The Partner must validate every EUR figure and the completeness of supporting documentation before submission. A documentation-completeness gate flags missing mandatory items; overriding it is the Partner’s decision and is logged. Lever does not file with, or communicate on your behalf to, any tax authority.
Paid tiers, minimum client commitments (measured as a quarterly average) and the Success Fee (a percentage of confirmed recovery) are described at registration and in the applicable order. Subscriptions renew for the selected term unless cancelled. Where a submitted claim is rejected, the Success Fee credit mechanism in the Partner agreement applies. Prices exclude VAT where applicable.
The Platform, lever engines, templates, benchmarks and anonymised datasets are and remain the property of MAYDA SRL. The Partner retains ownership of its Client Data and receives a limited licence to use Output for its clients. On termination, a Partner may export its Client Data (CSV) within 30 days.
Processing of personal data is governed by our Privacy Notice. Where the Partner processes Client Data through the Platform, the parties act as joint controllers under a Joint Controllership Agreement (Art. 26 GDPR).
The Platform is provided “as is”. Output is generated from public and Partner-supplied data and may be incomplete or inaccurate; we do not warrant any particular financial result, recovery amount, or acceptance by an authority. To the extent permitted by law, we disclaim implied warranties of merchantability and fitness for a particular purpose.
To the maximum extent permitted by Belgian law, Lever is not liable for indirect or consequential loss, or for decisions to submit a claim, which remain the Partner’s professional responsibility. Our aggregate liability for any claim is limited to the fees paid for the service in the twelve months preceding the event giving rise to the claim. Nothing limits liability that cannot be excluded by law.
You agree to indemnify MAYDA SRL against third-party claims arising from your breach of these Terms, your misuse of the Platform, or a submission made without validating the Output as required in section 4.
Either party may terminate in accordance with the applicable order or for material breach not cured within a reasonable period. We may suspend access to protect the Platform or comply with law. Provisions that by their nature survive (IP, liability, data protection) continue after termination.
We may update these Terms; material changes will be notified in advance and the version and date above will be revised. Continued use after the effective date constitutes acceptance.
These Terms are governed by Belgian law. The competent courts of Belgium have exclusive jurisdiction, without prejudice to mandatory consumer protections.
Version 1.0 · last updated 8 July 2026
This notice explains the cookies and similar technologies Lever uses, why we use them, and how you control them. It should be read with our Privacy Notice.
Cookies are small files stored on your device. Similar technologies (local storage, pixels) work in comparable ways. We group them by purpose below. Under Belgian ePrivacy rules, non-essential categories are set only with your consent.
| Category | Purpose | Provider | Consent |
|---|---|---|---|
| Strictly necessary | Sign-in session and security (authentication), load balancing, consent state | Lever (Better Auth) | Not required |
| Preferences | Remember your language (EN/NL/FR/DE) and interface choices | Lever | Not required |
| Analytics | Understand feature usage to improve the product; privacy-first, IP anonymised | PostHog (EU Cloud) | Opt-in |
We do not use advertising cookies, cross-site tracking, data brokers, or third-party marketing pixels. We do not sell data. Analytics data stays in the EU.
When you first visit, a consent banner lets you accept or decline non-essential cookies. You can change your choice at any time via “Cookie preferences” in the site footer, or by clearing cookies in your browser. Declining analytics does not affect access to the platform.
Questions about this notice: privacy@lever.lu. Complaints may be addressed to the Belgian DPA (APD/GBA).
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APP_PAGES_SPEC declares which of these six it must implement, and the copy above is the source. A screen ships when all of its declared states render — not when the happy path renders.
Acerta Consult BV NACE 6201 · 84 staff · Flanders | 148,200 |
Van den Berg NV NACE 2100 · 56 staff · Antwerp | 94,550 |
BioForma SA NACE 7211 · 29 staff · Ghent | 52,300 |
Delvaux Engineering NACE 7112 · 42 staff · Brussels | 67,800 |
| Company | Sector | Opportunity ↓ | Confidence | Status | |
|---|---|---|---|---|---|
Acerta Consult BV BE 0456.789.012 · 84 staff Tax Recovery | 6201 | EUR 148,200 | HIGH | Submitted | |
Van den Berg NV BE 0234.567.890 · 56 staff Tax Recovery | 2100 | EUR 94,550 | HIGH | Dossier ready | |
Delvaux Engineering BE 0567.123.456 · 42 staff Tax Recovery | 7112 | EUR 67,800 | MED | Confirmed | |
BioForma SA BE 0789.012.345 · 29 staff Tax Recovery | 7211 | EUR 52,300 | HIGH | Confirmed | |
Nexta Logistics BE 0345.678.901 · 118 staff Payroll Optimisation | 5210 | EUR 34,700 | MED | In review | |
Prism Software BVBA BE 0123.890.567 · 18 staff Tax Recovery | 6202 | EUR 24,100 | LOW | Pending review |
| Lever | Legal basis | Recoverable | Confidence | Documentation |
|---|---|---|---|---|
Art. 275/3 ITC — R&D withholding 80% exemption · retroactive 5y | Art. 275/3 WIB92 | EUR 96,400 | 6/6 complete | |
Retroactive 5-year lump sum FY2021–2024 | Art. 275/3 §4 | EUR 41,800 | complete | |
Shift / night work exemption qualifying regime detected | Art. 275/5 WIB92 | EUR 10,000 | 2 docs needed | |
CAO 90 profit bonus eligible · not yet set up | CAO 90 | — | opportunity |
The exemption is claimed under Art. 275/3 §1,4° WIB92 — an 80% exemption from remitting the wage withholding tax (bedrijfsvoorheffing) attributable to qualifying research personnel. It is filed by reducing the amount remitted on the monthly declaration form 274.1 and reconciled on the annual form 275/2. Retroactive periods are filed as verbeterende aangiften (rectified 274.1 returns), one per month across the eligible window.
Each claimed employee is mapped to a qualifying category under Art. 275/3 §1,4°, with the eligible salary base reduced pro-rata to documented R&D time allocation.
| Function category | Qualifying degree | Staff | Ø R&D time | 80% exemption |
|---|---|---|---|---|
| Researchers (onderzoekers) | Master / Doctorate | 6 | 92% ⚑ >90% | EUR 61,400 |
| Technicians (technici) | Professional bachelor | 4 | 78% | EUR 26,900 |
| R&D management (beheerders) | Master | 1 | 45% | EUR 8,100 |
| Total qualifying personnel | 11 | EUR 96,400 | ||
Qualification rests on systematic scientific or technological research, not routine product development. Two documented programmes substantiate the claim:
Uncertainty: whether a self-tuning cost model can outperform static heuristics under unpredictable multi-tenant workloads. Methodology: controlled benchmarking against a fixed baseline, iterative hypothesis testing, measured regression suites. Targeted new knowledge: a cost-estimation algorithm that adapts without manual retuning.
Uncertainty: whether differential-privacy noise can be injected at ingestion without degrading downstream analytical accuracy below usable thresholds. Methodology: systematic parameter sweeps, formal accuracy/privacy trade-off analysis. Targeted new knowledge: an ingestion-time anonymisation method preserving analytical value.
| Component | Legal basis | Period | Recoverable |
|---|---|---|---|
| Qualifying R&D staff exemption | Art. 275/3 §1,4° WIB92 | AY 2025 (current) | EUR 48,200 |
| Retroactive rectified returns | Art. 275/3 · form 274.1 rect. | AY 2022–2024 | EUR 48,200 |
| Retroactive 5-year lump sum | Art. 275/3 §4 | FY2021–2024 | EUR 41,800 |
| Shift / night-work exemption | Art. 275/5 WIB92 | AY 2025 | EUR 10,000 |
| Total recoverable withholding tax | EUR 148,200 | ||
Claim statement. Acerta Consult BV claims a partial exemption from wage withholding tax under Art. 275/3 §1,4° WIB92 for 11 qualifying research personnel across assessment years 2022–2025, totalling EUR 148,200.
Company qualification. The company's NACE-BEL 6201 activity, degree-holding technical workforce, and two documented research programmes (§4) place its activity within the systematic-investigation criterion defined by Circular Ci.RH.243/618.741. The programmes address defined scientific/technological uncertainties through structured methodology, distinguishing them from routine software development.
Regulatory citations. Art. 275/3 §1,4° WIB92; Circular Ci.RH.243/618.741 (§1,4° qualification); BELSPO prior notification BEL-2021-AC-0456; no anti-cumulation conflict with ONSS target-group reductions (§7). Combination with the R&D tax credit for the same expenses is expressly excluded (Law 12 May 2024).
| Document | Type | Status |
|---|---|---|
| Employment contracts — 11 claimed employees | Mandatory | ✓ attached |
| Degree certificates | Mandatory | ✓ attached |
| Time-allocation declaration (employer-signed) | Mandatory | ✓ attached |
| R&D project descriptions P-01 / P-02 | Mandatory | ✓ attached |
| Payroll records — claimed periods | Mandatory | ✓ attached |
| Non-cumulation declaration (ONSS) | Mandatory | ✓ attached |
| R&D project timesheets (shift lever) | Supporting | ○ pending |
| VLAIO grant award letter | Supporting | — not available |
The undersigned ITAA-certified accountant attests that the above calculations are based on the company's payroll records and that the supporting documentation has been verified. Lever's output is a decision-support tool, not professional advice; the accountant retains professional responsibility for the submission.
| Sector (NACE) | Network approval rate | Median confirmed claim | Your clients |
|---|---|---|---|
Software development · 6201 | 74% | EUR 92,000 | 6 |
Pharma / biotech · 2100 | 68% | EUR 110,000 | 3 |
Engineering · 7112 | 71% | EUR 68,000 | 4 |
Warehousing / logistics · 5210 | 63% | EUR 29,000 | 2 |
| Client | Impact | |
|---|---|---|
Nexta Logistics 3 affected employees | − EUR 6,400/yr | |
Prism Software BVBA 1 affected employee | − EUR 2,100/yr | |
+ 4 more clients Brussels region | − EUR 11,800/yr |
To VLAIO — Agentschap Innoveren & Ondernemen,
Acerta Consult BV (BE 0456.789.012) applies for strategic transformation support under the KMO-groeisubsidie framework. The company's software-development activity (NACE 6201), 84 staff, and documented R&D programme meet the eligibility criteria for…
Drafted by Claude Sonnet from the company's public profile. Review and sign before submission.
| Date | Client | Basis · confirmed recovery | Rate | Amount | Status |
|---|---|---|---|---|---|
| 12 Jun 2027 | BioForma SA | EUR 52,300 | 11% | EUR 5,753 | Paid |
| 04 May 2027 | Delvaux Engineering | EUR 67,800 | 11% | EUR 7,458 | Paid |
| 18 Apr 2027 | Nord Textiles BV | EUR 21,000 | 12% | EUR 2,520 | Credited · claim rejected |
The dossier Lever generates in minutes is a professional advisory deliverable — most firms bill it as a billable service, not a software cost. Three common approaches:
| Firm | Health | Signal | |
|---|---|---|---|
| Fiduciaire Denys | 28 | No scan in 34 days | |
| Boekhouding Aerts | 55 | Below client minimum | |
| Comptafid SPRL | 92 | Healthy · upsell to Elite |
This is tax and payroll money your company is likely owed under Belgian rules — mostly because you employ people doing research and development. It's recovered from taxes you've already paid, going back up to five years.
Your accountant files the claim and stays responsible for it — Lever just does the heavy lifting. No accountant yet? We'll match you with a certified Lever partner.
| Free scans run | 1,284 | — |
| Saw a euro figure | 1,284 | 100% |
| Rated it surprising | 796 | 62% |
| Registered | 112 | 8.7% |
| Reached first dossier | 44 | 39% |
| Paying | 31 | 70% |
| Fiduciaire Lemmens no scan in 34 days | 28 |
| Kantoor Ceulemans below client floor 2 quarters | 41 |
| Bureau Ansiaux payment failed twice | 44 |
| Scan recency | 2d |
| Dossier throughput | 14/qtr |
| Clients vs floor | 72 / 10 |
| Support load | 3 tickets |
| Current (v3, in force since 1 Jan 2026) | fiscal €3,701 · social €4,255 |
| Proposed (v4, effective 1 Jan 2027) | fiscal €3,835 · social €4,410 |
| Legal source | KB 14 Nov 2026 · Moniteur 22 Nov 2026 |
| Proposed by | Moniteur monitor (draft) · reviewed by Ammar |
| Key | Version | Effective from | Status |
|---|---|---|---|
| art275_3.rate | v2 | 1 Jan 2024 | in force |
| art275_3.bv_correction_factor.2027 Programmawet 1 Jun 2026 · Art. 275/0/2 WIB92 | v1 | 1 Jan 2027 | pending |
| cao90.ceiling.2026 | v3 | 1 Jan 2026 | in force |
| cao90.ceiling.2027 | v4 draft | 1 Jan 2027 | in review |
| onss.rates.brussels.2026Q3 older-worker reduction abolished 1 Jul 2026 | v7 | 1 Jul 2026 | in force |
| anti_cumulation.rules Art. 275/3 + R&D tax credit — hard law since 2025 | v5 | 1 Jan 2025 | in force |
| Person | Role | Hardware key | Client data | Last active | |
|---|---|---|---|---|---|
| Ammar | owner | enrolled | granted | now | |
| Marieke Jansen | support | enrolled | granted | 09:16 | |
| Contractor (NL engine) | engineer | not enrolled | blocked | 4 Jul |
| Capability | owner | support | finance | engineer | read-only |
|---|---|---|---|---|---|
| View internal metrics | ✓ | ✓ | ✓ | ✓ | ✓ |
| View tenants & health | ✓ | ✓ | ✓ | — | ✓ |
| Enter support mode (reason + ticket + timebox) | ✓ | ✓ | — | — | — |
| Edit client data / re-score | ✓ | ✓ | — | — | — |
| Approve a dossier | ✗ | ✗ | ✗ | ✗ | ✗ |
| Mark a dossier as filed | ✗ | ✗ | ✗ | ✗ | ✗ |
| Sign or alter an attestation | ✗ | ✗ | ✗ | ✗ | ✗ |
| Publish regulatory config (+ 2nd approver) | ✓ | — | — | propose | — |
| Billing, credits, ledger | ✓ | — | ✓ | — | ✓ |
| Manage staff & permissions | ✓ | — | — | — | — |
{ "jobId": "8841", "companyIds": ["a3f1…","b7c2…"], "configVersion": "nbb-cbso-26.0.10" }
| Starting MRR (1 Jul) | €7,220 |
| + New | +€1,495 |
| + Expansion (Certified → Elite) | +€400 |
| − Contraction | −€96 |
| − Churn (1 firm · “no time to use it”) | −€299 |
| + Reactivation | +€0 |
| Ending MRR | €8,720 |
| Invoiced (submission-based, 10–12%) | €41,200 |
| Credited — claims rejected by SPF the credit mechanism, honoured automatically | −€3,400 |
| 20% accounting reserve | €7,560 |
| Recognised | €30,240 |
| Type | Subject | Received | Due | State |
|---|---|---|---|---|
| Erasure (Art. 17) | j.claes@… | 2 Jul | 2 Aug · 22d | in progress |
| Access (Art. 15) | info@vermeersch… | 28 Jun | 28 Jul · 17d | completed |
deleted_at across 4 tables. Physical rows preserved for audit-defence integrity; excluded from every downstream read.| Processor | Purpose | Residency | DPA |
|---|---|---|---|
| Neon (Databricks, US parent) | Data moat + app | EU Frankfurt | signed |
| Cloudflare | Workers, D1, R2 | EU (weur) | signed |
| Anthropic | Edge cases, narratives | US · SCCs Module 2 | signed |
| Brevo | EU Paris/Frankfurt | signed | |
| PostHog | Product analytics | EU Cloud | signed |