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MIFID pre-contractual

Persons, Flows, KYC, Screenings

Contractual

Coming soon

MIFID pre-contractual

Filtered: MIFID pre-contractual data only

Roadshow 2026 — MIFID pre-contractual overview

MIFID pre-contractual Flows

In Progress

Expired Identity Cards

Persons

Search & manage

All Flows

Search & manage

Start Flow

New compliance flow

Screenings

OFAC checks

AI Search

AI driven search

Recent MIFID pre-contractual Flows

Dossier Number	Execution Date	Flow Type	Customer	Score	Dossier
F-2026-047	2026-03-20	Save & Invest	Sophie Vandenberghe	Balanced	Roadshow 2026
F-2026-046	2026-03-18	KYC Only	Marc Declercq	Low	Roadshow 2026
F-2026-045	2026-03-15	Save & Invest	Leen Martens	Dynamic	Roadshow 2026
Rows: 3

Dashboard

Roadshow 2026 — Welcome back, D. Vanooteghem

Summaries

Total Flows

In Progress

Expired Identity Cards

Open Agenda Items

Actions

Start Flow

New compliance flow

Persons

Search & manage

Companies

Insurers

Flows

Search & manage

AI Search

AI driven search engine

Recent Flows

Dossier Number	Execution Date	Flow Type	Customer	Score	Dossier
F-2026-047	2026-03-20	Save & Invest	Sophie Vandenberghe	Balanced	Roadshow 2026
F-2026-046	2026-03-18	KYC Only	Marc Declercq	Low	Roadshow 2026
F-2026-045	2026-03-15	Save & Invest	Leen Martens	Dynamic	Roadshow 2026
F-2026-044	2026-03-10	Save & Invest	Johan Pieters	High	Roadshow 2026
F-2026-043	2026-03-08	KYC Only	An Desmet	Low	Roadshow 2026
Rows: 5

PersonsMIFID pre-contractual person overview

Name

First Name

Dossier Number

Address

Dossier

Name	First Name	Dossier Number	Address	Dossier
Vandenberghe	Sophie	82.04.12-234.56	Rue de la Loi 12 - 1000 Brussels	Roadshow 2026
Declercq	Marc	75.11.05-123.45	Av. Louise 45 - 1050 Brussels	Roadshow 2026
Martens	Leen	90.07.22-345.67	Meir 12 - 2000 Antwerp	Demo Dossier
Pieters	Johan	68.01.30-456.78	Bondgenotenlaan 5 - 3000 Leuven	Roadshow 2026
Desmet	An	95.09.14-567.89	Veldstraat 8 - 9000 Ghent	Demo Dossier
Rows: 5

Add New Person

Identity

Last Name *

First Name *

National ID (NID)

Date of Birth

Nationality

Role

Dossier

Address

Street & Number

Postal Code

City

Country

Contact

Phone

Mobile

E-mail

Professional

Job Title / Profession

Marital Status

Annual Income (€)

Davy Vanooteghem

Customer · IT-er | +3256130756 · davy@stratton-maes.eu

Flows 3

Screenings 2

Financial info 2

UUser X Initiator

AML: Low Risk score: Balanced VIP

ESG MIFID pre-contractual

EID expired MIFID missing

Summary

Details

Related Soon

General Information

Gender

First Name

Last Name

Country

Zipcode

Location

Street

Number

Box

Mobile Phone

Phone

Timeline

Modified on: 16/04/2026 13:05

New flow created

Flow from type: 3de en 4de pijler

Dynamic Low

Flow: ABC2026101254 View more →

Modified on: 16/04/2026 12:35

Financial overview created

Financial info

Ref: ABC2026101254 View more →

Modified on: 10/03/2026 09:34

New flow created

Flow from type: KYC

Flow: XYZ20260120124 View more →

Scoring

Latest

Neutral

Highest

Dynamic

Weighted avg

Balanced

AML Risk

Low

Related Flows

Dossier Number	Execution Date	Flow Type	Score
F-2026-047	2026-03-20	Save & Invest	Balanced
F-2025-089	2025-09-10	KYC Only	Low
Rows: 2

Personal

Marital Status

Secondary Email

Secondary Phone

Date of Birth

Location of Birth

ID Card Number

ID Valid Until

National Registration

Nationality

Profession

NACE code

KBO Number

Language

Company

KBO Number

VAT Number

Political Info

Do you, or one of your family members, hold a political or leading public office at regional, national, or international level?

If so, specify the function:

Do you confirm that you or any of your family members are not equivalent to a PEP?

If so, specify the relationship:

Communication Options

How would you like to obtain legal, pre-contractual, and contractual information from us?

Do you also agree to consult certain information on our website (free of charge)?

Data Protection

Your explicit consent is required for the processing of certain personal data:

I agree to the processing of medical data as part of my insurance file.

I agree to the processing of data regarding convictions and criminal offences or related security measures as part of my insurance files.

Do you agree that we process your personal data for commercial purposes?

I agree that my data may be processed for commercial purposes.

I agree to receive commercial information by email.

I agree to be contacted by telephone regarding the offer of meaningful products and/or services.

Authorization

Can you sign contracts relating to the jointly owned property that you share with your partner?

By signing this document, the undersigned authorizes the third party:

to consult their insurance file (including claims management) for:

and this via the following email address:

Qualification

You want to be categorized as a professional client.

Following verification by your broker, it has been confirmed that you meet the admission criteria established by law.

Dossier Number	Execution Date	User	Flow Type	Score	Dossier
F-2026-047	2026-03-20	D. Vanooteghem	Save & Invest	Balanced	Roadshow 2026
F-2025-089	2025-09-10	D. Vanooteghem	KYC Only	Low	Demo Dossier
Rows: 2

Date	Person	Type	Lists Checked	Result
2026-03-20	Davy Vanooteghem	OFAC/EU	OFAC, EU, UN, BE	No Match
2025-09-10	Davy Vanooteghem	OFAC/EU	OFAC, EU, UN, BE	No Match
Rows: 2

Execution Date	User
2026-03-20	D. Vanooteghem
2025-09-10	D. Vanooteghem
Rows: 2

Related Records

Dossier Number	Execution Date	User	Flow Type	Customer	Score	Dossier
F-2026-047	2026-03-20	D. Vanooteghem	Save & Invest	Davy Vanooteghem	Balanced	Roadshow 2026
F-2025-089	2025-09-10	D. Vanooteghem	KYC Only	Davy Vanooteghem	Low	Demo Dossier
Rows: 2

Sophie Vandenberghe / KYC — Private

KYC — Private Client

Regulatory identification form

Personal Information

First Name

Last Name

Date of Birth

National ID

Nationality

Marital Status

Address

Street & Number

Postal Code

City

Financial & PEP

Profession

Annual Income

PEP Status

GDPR Consent

I consent to data processing for compliance purposes

I consent to receive communications regarding my dossier

Sophie Vandenberghe / KYC — Partner

KYC — Partner

Assign and manage partner / co-policyholder

Partner Assignment

Partner First Name

Partner Last Name

Date of Birth

National ID

Relationship

PEP Status

Profession

GDPR Consent

Partner consents to data processing for compliance purposes

All FlowsRoadshow 2026 dossier

Dossier Number

Client

Type

Status

From

Dossier Number	Execution Date	User	Flow Type	Customer	Score	Dossier
F-2026-047	2026-03-20	D. Vanooteghem	Save & Invest	Sophie Vandenberghe	Balanced	Roadshow 2026
F-2026-046	2026-03-18	D. Vanooteghem	KYC Only	Marc Declercq	Low	Roadshow 2026
F-2026-045	2026-03-15	K. Stevens	Save & Invest	Leen Martens	Dynamic	Roadshow 2026
F-2026-044	2026-03-10	D. Vanooteghem	Save & Invest	Johan Pieters	High	Roadshow 2026
F-2026-043	2026-03-08	D. Vanooteghem	KYC Only	An Desmet	Low	Roadshow 2026
F-2026-042	2026-03-05	K. Stevens	Save & Invest	Peter Claes	Balanced	Roadshow 2026
F-2026-041	2026-03-02	D. Vanooteghem	KYC Only	Nathalie Borms	Low	Roadshow 2026
F-2026-040	2026-02-28	D. Vanooteghem	Save & Invest	Luc Verhoeven	Balanced	Roadshow 2026
Rows: 8

Start New Flow

Select flow type for Sophie Vandenberghe — Roadshow 2026

Save & Invest — Full Flow

Complete 10-step compliance flow including KYC, sanctions screening, financial profile, knowledge assessment, sustainability preferences, and advice declaration.

KYCSanctionsMiFID IIIDDSFDR

KYC Only

Streamlined identification and sanctions screening only. Suitable for existing clients requiring periodic KYC refresh without full investment profile reassessment.

KYCSanctionsNo MiFID

Flow: F-2026-047

3de en 4de pijler — 18/04/2026

UDA26000234 · Vanooteghem Davy — Lammertijn Liesbet

IT-er | +3256130756 · davy@stratton-maes.eu

UUser X Initiator

Alertness: Reduced Risk Profile: Low Balanced

ESG MIFID pre-contractual

EID expired MIFID missing

Flow Complete

Completed 2026-03-24 · All 9 steps signed off · Documents ready for generation

Producttype

Selected by customer:

Automatically calculated: Branch 23

Sanction screening

Excellent

3/3 correct

Knowledge Test

Excellent

3/3 correct

Advice

Given

Risk Profile

Low

Alertness level

Reduced

Atypical facts

Yes

Result score

Balanced

Product score: [3,5,4,5]

Step Completion

9 / 9 Complete

Steps 2–9 unlock once sanction screening confirms all parties are not matched. Knowledge test additionally requires the Selected by customer field to be set.

Step	Completed	Reference Date	Status
KYC	2026-03-20	2026-03-20	Complete
Requirements	—	—	Pending
Financial situation	—	—	Pending
Experience	—	—	Pending
Sustainability	—	—	Pending
Knowledge test	—	—	Pending
Advice	—	—	Pending
IR score	—	—	Pending
Alertness	—	—	Pending
Rows: 9

Flow: F-2025-089

3de en 4de pijler — 10/09/2025

UDA25000089 · Vanooteghem Davy — Lammertijn Liesbet

IT-er | +3256130756 · davy@stratton-maes.eu

UUser X Initiator

Alertness: Reduced Risk Profile: Low Balanced

ESG MIFID pre-contractual

Flow Complete

Completed 2025-11-03 · All 9 steps signed off · Documents ready for generation

Producttype

Selected by customer:

Automatically calculated: Branch 23

Sanction screening

Excellent

3/3 correct

Knowledge Test

Excellent

3/3 correct

Advice

Given

Risk Profile

Low

Alertness level

Reduced

Atypical facts

Result score

Balanced

Product score: [4,5,5,4]

Step Completion

9 / 9 Complete

Step	Completed	Reference Date	Status
KYC	2025-08-15	2025-08-15	Complete
Requirements	2025-08-20	2025-08-20	Complete
Financial situation	2025-09-01	2025-09-01	Complete
Experience	2025-09-05	2025-09-05	Complete
Sustainability	2025-09-08	2025-09-08	Complete
Knowledge test	2025-09-10	2025-09-10	Complete
Advice	2025-09-15	2025-09-15	Complete
IR score	2025-09-22	2025-09-22	Complete
Alertness	2025-10-01	2025-10-01	Complete
Rows: 9 · All steps completed and signed off on 2025-11-03

Flow: F-2026-047

3de en 4de pijler — 18/04/2026

UDA26000234 · Vanooteghem Davy — Lammertijn Liesbet

IT-er | +3256130756 · davy@stratton-maes.eu

UUser X Initiator

Alertness: Reduced Balanced

ESG MIFID pre-contractual

EID expired MIFID missing

Flow Information

Flow ReferenceF-2026-047

Execution Date18/04/2026

Flow Type3de en 4de pijler — Save & Invest

DossierRoadshow 2026

ClientDavy Vanooteghem

Co-policyholderLammertijn Liesbet

AdvisorD. Vanooteghem

Select Documents

Output language:

Office profile form

General information document of your office and partner companies

Ready

Customer profile form

Client identification document, GDPR declaration, …

Ready

Advisory file

Requirements, Financial info, Experience, sustainability and (no) advice documentation

Ready

Knowledge test

Product knowledge questionnaires and results

Ready

Anti-money laundering (AML) screening

Sanction screening, Alerts, Individual risk score

Ready

Generate

CompaniesInsurers and business partners

Company Name

Type

Country

Number	Name	Address	Phone	Mail	State
001	AG Insurance	Emile Jacqmainlaan 53, 1000 Brussels	+32 2 664 81 11	info@aginsurance.be	Active
002	Belfius Insurance	Pachecolaan 44, 1000 Brussels	+32 2 222 12 02	info@belfius.be	Active
003	Axa Belgium	Troonstraat 1, 1000 Brussels	+32 2 550 31 11	info@axa.be	Active
004	ING Bank Belgium	Sint-Michielswarande 60, 1040 Brussels	+32 2 547 21 11	info@ing.be	Inactive
005	Stratton Maes bv	Korte Lozanastraat 3, 2018 Antwerp	+32 3 248 55 00	info@stratton-maes.be	Active
Rows: 5

Add New Company

Company Identity

Company Name *

Type *

Status

KBO / Enterprise Number

Address

Street

Number

Box

Postal Code

City

Country

Contact

Phone

Website

Contact Person

Contact Person Email

Notes

Internal Notes

AG Insurance NV · Saved

Company · 0039 | +3256112255 | info@aginsurance.be

Flows 207

1 products selected Active

ESG MIFID pre-contractual

KBO valid GDPR missing

Summary

Details

General Information

BVVO number

Name multilingual

Culture	Value	Actie

Country

Zipcode

Location

Street

Number

Box

KBO number

Phone

State

Timeline

Modified on: 16/04/2026 13:05

New flow created

Flow from type: 3de en 4de pijler

Dynamic Low

Flow: ABC2026101254 View more →

Modified on: 16/04/2026 12:35

Financial overview created

Financial info

Ref: ABC2026101254 View more →

Modified on: 10/03/2026 09:34

New flow created

Flow from type: KYC

Flow: XYZ20260120124 View more →

Recent Flows

Dossier Number	Execution Date	Flow Type	Score
UDA26000234	26/06/2026	3de en 4de pijler	Neutral
ABC26030437	20/04/2026	KYC	Defensive
XYZ25129302	21/12/2025	KYC	—
Rows: 3

Flows

Flow	State
Debt balance
3th and 4th pillar
Flow name X

Related — coming soon

AG Insurance — All Flows207 total flows · 23 active

Dossier Number	Execution Date	User	Flow Type	Customer	Score	Dossier
F-2026-047	2026-03-20	D. Vanooteghem	Save & Invest	Sophie Vandenberghe	Balanced	Roadshow 2026
F-2026-043	2026-03-15	D. Vanooteghem	KYC Only	An Desmet	Low	Roadshow 2026
F-2026-040	2026-03-10	D. Vanooteghem	Save & Invest	Luc Verhoeven	Low	Roadshow 2026
Rows: 3

Sanction Screening Emma Vandenberghe

Screendate: 20/03/2026 on lists OFAC, EU, UN, BE for flow: F-2026-047

Possible match detected — Manual review required before proceeding with this flow.

Potential Match

Name match on EU Consolidated List entry #EU-2019-0847 (78% score). Nationality matches. Date of birth differs by 3 years — possible false positive. Lists checked: OFAC, EU, UN, BE.

Reviewer Decision

Decision *

Reviewer

Notes

ScreeningsSanctions and identity screenings

Person

Type

Result

From

Date	Person	Type	Lists Checked	Result
2026-03-20	Sophie Vandenberghe	OFAC/EU	OFAC, EU, UN, BE	No Match
2026-03-20	Thomas Vandenberghe	OFAC/EU	OFAC, EU, UN, BE	No Match
2026-03-20	Emma Vandenberghe	OFAC/EU	OFAC, EU, UN, BE	Possible Match
Rows: 3

Financial InterviewsCompleted and in-progress financial profiles

Person

Flow

Status

Date	Person	Flow	Annual Income (€)	Status
2026-03-20	Sophie Vandenberghe	F-2026-047 — Save & Invest	62,000	In Progress
2025-11-03	Sophie Vandenberghe	F-2025-089 — Save & Invest	60,000	Complete
Rows: 2

Flow: F-2026-047

3de en 4de pijler — 18/04/2026

UDA26000234 · Vanooteghem Davy — Lammertijn Liesbet

IT-er | +3256130756 · davy@stratton-maes.eu

UUser X Initiator

Alertness: Reduced Risk Profile: Low Balanced

ESG MIFID pre-contractual

EID expired MIFID missing

Insurance Takers

Taker 1

Davy Vanooteghem

Search New

Create new person

Taker 2 (optional)

Lammertijn Liesbet

Search New

Create new person

Under the legal heirs system

Beneficiaries

Name	First Name	Date of Birth	At Life	At Death	Approved
Vanooteghem	Lucas	28/08/2007
Rows: 1

Sanction Screening

Date	Person	Type	Lists Checked	Result
2026-03-20	Davy Vanooteghem	OFAC/EU	OFAC, EU, UN, BE	Possible Match
2026-03-20	Lammertijn Liesbet	OFAC/EU	OFAC, EU, UN, BE	No Match
Rows: 2

Investment Preferences

Q1. What type of action is it?

New contract

Switching or refunding

Q2. For which person(s) should this savings/investment profile be determined?

Only for yourself

For the joint property of the family for which you declare that you are the representative

Other (should be specified)

Specify

Q3. What is the primary wish / need for taking out life insurance?

Saving

Investing

Q4. How do you want to save/invest?

After deposit of a one-time premium of

According to the payment of periodic premiums

After deposit of voluntary / random deposits

After deposit of a one-time premium followed by Drip Feed of

Amount of the one time payment

Amount of the monthly payment

Sum amount total investment

Q5. Would you like to keep the option open to withdraw all or part of the saved/invested capital before the contract's maturity date?

Yes, regularly (for example, every month, every quarter, every six months, or annually)

Yes, flexibly available according to my needs.

Specify

Q6. Would you like to protect/insure yourself or your beneficiaries against any of the situations listed below?

Yes, in the event of death

Yes, in the event of death after an accident

Yes, in the event of disability

Yes, in the event of incapacity for work

Yes, in the event of serious illness

Yes, other. Specify:

No, I do not wish to provide additional protection/insurance for myself or my beneficiaries

Specify

Q7. Would you like to benefit from a tax advantage?

Yes

What are your save and/of investment goals

Q8. What is your most important goal?

Building up sufficient capital for a future purchase

In general, I wish to build up capital without any specific intention regarding future purchases. For example, wealth growth for the next generation.

Taking advantage of the stock market -/ stock exchange

Acquiring additional capital extra (monthly) income to supplement my current income

Provide extra income on top of my future income (e.g. Supplementary pension).

Other

If applicable, please state the nature of the intended purchase and an estimate of the required amount:

Specify

Q9. How long might your money be locked in?

Between 0 and 3 years

Between 4 and 8 years

Between 9 and 16 years

+17 years or longer

Q10. Do you need to be able to withdraw or receive money in the meantime?

Yes, flexible

Yes, in the form of annuity

Yes, through scheduled withdrawels

Your sensitivity / tolerance to the financial risks of the market.

Q11. Which description best matches your savings and investment preferences?

I value capital preservation, even if that comes at the expense of return.

To increase the return, I am willing to take some risk with my investments, but limited (for example, a potential loss of 5% on an annual basis). For the majority of my assets, I still aim for safe investments.

Return and risk limitation are both important to me. I know that to achieve a higher return, I have to take a bit more risk (for example, a potential loss of 10% on an annual basis)

I aim for the highest possible return and accept strong price fluctuations that can lead to (large) losses (for example, a potential loss of 30% on an annual basis)

Q12. How would you react if your savings and/or investment insurance were to drop significantly in the short term (for example, a loss of 15% over two months)?

I would not be able to sleep and would withdraw my remaining capital, even if it would result in a loss. I chose less risky savings/investment products. This type of product is not for me.

I carefully monitor it and keep my savings/investment insurance until it returns to its original value, after which I switch to a less risky option.

I would keep my product because market fluctuations are to be expected anyway. I am interested in the long-term potential of this investment, and short-term fluctuations are simply part of it.

I would actually invest additional money in this product. It would be a good opportunity to acquire more of this savings/investment insurance at a better price, which could potentially lead to a higher long-term return.

I see that as an opportunity to buy more at a favourable price.

I keep my investments or investment insurance, but closely monitor the situation.

Q13. How would you react if your savings and/or investment insurance were to drop significantly in the short term (for example, a loss of 15% over two months)?

I do not react. Fluctuations are inherent to savings and/or investment insurance.

Moderately: I am mainly interested in the result at the maturity date.

Strongly: I will closely follow the fluctuations.

Very strongly: I am considering selling my savings and/or investment insurance.

Q14. If the savings and/or investment insurance you have in mind were to end up significantly lower than expected (for example, half), would you be able to absorb that with other income and/or assets?

Very difficult: I can cope with setbacks only with great difficulty.

I would have to absorb this setback by reducing my expenses.

I could compensate for this setback with other income.

This does not pose a problem for me.

Q15. Do you wish to share any other specific wishes, needs, or additional information with us?

Yes

Specify

Advice

Suitability pre-filled from previous flow — 14/01/2023 — review and confirm

Product Recommendation

Recommended Product

Premium (€)

Duration

AI-Generated Advice Summary

Based on the client profile (Balanced risk, 8yr horizon, ESG Art.8+9 preference), we recommend the AG Save Plan combining 70% Branch 21 (guaranteed rate 1.5%) and 30% Branch 23 (dynamic ESG-screened funds).

Client Signature

Tap to sign or draw signature

IR score

Investment Recommendation Score

Risk Profile Summary

Latest

Balanced

Highest

Dynamic

Weighted Avg

Balanced

AML Risk

Low

Investment Recommendation Score: Balanced (14/30)

Suitable for mixed Branch 21/23 products. All risk indicators aligned.

Alertness

AML Risk Scoring — AMLCO Assessment

1. Geographic Risk

2. Client Type Risk

3. Product Risk

4. Transaction Risk

AML Score: 14 / 30

Risk Level: Low Risk — Standard due diligence applies.

Print Preview

Flow summary — F-2026-047

Flow Summary — 3de en 4de pijler — 18/04/2026

Flow Ref:
F-2026-047

Date:
18/04/2026

Advisor:
D. Vanooteghem

Dossier:
Roadshow 2026

KYC — General Information

Insurance taker 1: Davy Vanooteghem (75.04.19-049) — Policyholder

Insurance taker 2: Lammertijn Liesbet — Partner

Beneficiary: Vanooteghem Lucas (28/08/2007)

Sanction Screening: No confirmed matches

Requirements — Investment Wishes

Action type: New contract

Primary wish: Investing

How to invest: One-time premium — €25.000

Main goal: Build capital (wealth growth)

Risk tolerance: Limited risk — max 5% loss (annual)

Financial Situation Pre-filled 13/05/2025

Movable assets: €50.000–125.000

Real estate: Owns one property

Deposit type: One-time premium

Annual income: €62.000

Monthly expenses: €2.800

Outstanding loans: €145.000

Experience Pre-filled 27/08/2025

Branch 21: Intermediate knowledge — 1–5 transactions

Branch 23: Basic knowledge — No transactions

Sustainability

ESG Preference: Option B — SFDR Art. 8 + 9 funds

Knowledge Test

Result: 3/3 — Excellent

Advice & Product Recommendation

Product: AG Save Plan — Branch 21+23 (70/30)

Premium: €25.000

Duration: 8 years

Based on the client profile (Balanced risk, 8yr horizon, ESG Art.8+9), recommendation: AG Save Plan — 70% Branch 21 (1.5% guaranteed) + 30% Branch 23 (dynamic ESG-screened).

IR Score & AML

Latest profile: Balanced

Highest: Dynamic

Weighted avg: Balanced

AML risk: Low

AML Alertness

AML Score: 14/30 — Low Risk — Standard due diligence applies.

Advisor signature:

D. Vanooteghem — Date: ___________

Client signature:

Davy Vanooteghem — Date: ___________

Flow: F-2026-047

Financial situation registered on 13/05/2025

UDA26000234 · Vanooteghem Davy — Lammertijn Liesbet

IT-er | +3256130756 · davy@stratton-maes.eu

UUser X Initiator

Alertness: Reduced Risk Profile: Low Balanced

ESG MIFID pre-contractual

Movable and Immovable Property

Q17. What is the value of your movable assets (cash/liquid assets, savings account, current account, life insurance policies, bonds, shares and other investments, etc.)?

Less than 12.500 EUR

Between 12.500 EUR and 50.000 EUR

Between 50.000 EUR and 125.000 EUR

Between 125.000 EUR and 250.000 EUR

More than 250.000 EUR

V18. Do you own one or more immovable properties (house, apartments, commercial properties, offices, warehouses, building land, …) and for what purposes do you hold them?

I have no real estate assets

I own one property

I own one property in addition to my residence

I own multiple properties, not just for personal use

Saving Capacity

V19. The largest part of your income comes from:

Employment income (wages, salary)

Pension

Rental income

Income from savings/investments

Other income

Q20. What is your net income (salary, pension, rental income, interest, etc.)?

less than €1500

between €1500 and €3.000

between €3.000 and €5.000

more than €5.000

Q21. What are your monthly fixed expenses (loan repayments, energy costs, rent, household expenses, etc.)?

less than €750

between €750 and €1500

between €1500 and €2.500

more than €2.500

Q22. What is your monthly saving capacity?

less than €250

between €250 and €500

between €500 and €1000

more than €1000

Q23. What evolution of your income do you expect over the next 3 years?

A decrease in my income

A stabilisation of my income

An increase in my income

Your sensitivity / tolerance to the financial risks of the market

Q24. How would you describe your current financial situation?

Budget deficit: I spend more than I earn. I tend to build up debts and may have difficulty repaying them.

Budget deficit: I spend more than I earn. However, I can easily repay my debts.

Budget status quo. With great effort, I manage not to spend more than I earn.

Budget status quo. I spend about as much as I earn. However, I could save money if necessary.

Budget surplus. I spend less than I earn. I build up financial surpluses that I can invest.

Q25. If your savings/investment product turns out to be significantly less profitable than the assumed projections or even generates losses, would you be able to easily cope with / absorb this?

It would be very difficult. It would put me in (unacceptable) financial difficulties.

It would be difficult. I would need to reduce my expenses to compensate for this expected income gap.

It would still be acceptable. I would be able to absorb these losses by offsetting them with other income or by slightly reducing my expenses.

This would not be a problem and would not cause any financial difficulties.

Q26. How many dependents do you have, other than yourself?

None

1 dependent (including alimony, even partial)

More than 1 dependent

3de en 4de pijler — 18/04/2026

UDA26000234 · Vanooteghem Davy — Lammertijn Liesbet

IT-er | +3256130756 · davy@stratton-maes.eu

UUser X Initiator

Alertness: Reduced Risk Profile: Low Balanced

ESG MIFID pre-contractual

Beneficiary Detail

Beneficiary 1 of 1

Search person

Search an existing person to pre-fill the fields, or enter the information manually below.

— Select person —

Search New

General Information

First Name

Last Name

Location

National Registration Number

Nationality

Date of Birth

Type of Beneficiary

Beneficiary in case of survival

Beneficiary in the event of death

Accepted beneficiary

Flow: F-2026-047

Knowledge and Experience registered on 16/05/2025

UDA26000234 · Vanooteghem Davy — Lammertijn Liesbet

IT-er | +3256130756 · davy@stratton-maes.eu

UUser X Initiator

Alertness: Reduced Risk Profile: Low Balanced

ESG MIFID pre-contractual

Theoretical knowledge and experience with financial products

Q27. Did you acquire specific knowledge in the field of finance, investing, or insurance during your studies?

Yes

Please specify the type of diploma/certificate obtained:

Q28. Have you acquired specific knowledge of finance, investing, or insurance during your professional career (currently or in the past)?

Yes

Please specify your function(s)/job(s) and the period(s) during which they were carried out:

Q29. To what extent do you keep yourself informed about financial and economic news?

I am not interested in it. I do not actively look for such information.

I regularly read the financial and economic sections of my newspaper.

I actively seek financial information. For example, I look for additional information on the internet or regularly attend organised information sessions on this subject.

I closely follow the financial markets as part of my profession. For example, I work for a financial institution, a stockbroking firm, or in the finance department of a company.

Specify

Experience with financial investments and life insurance

Product type	Number of times	Amount	Description
Life insurance with a guaranteed return (Branch 21 savings insurance)	Once	15,000	with the bank
Life insurance without a guaranteed return linked to investment funds (Branch 23 investment insurance)
Life insurance without a guaranteed return but with protection of the invested capital linked to investment funds (Branch 23 investment insurance)	Multiple times	35,000	Product X
Rows: 3

Flow: F-2026-047

3de en 4de pijler — 18/04/2026

UDA26000234 · Vanooteghem Davy — Lammertijn Liesbet

IT-er | +3256130756 · davy@stratton-maes.eu

Experience Detail

Experience 1 of 1

Please select the products for which you have determined that the client is familiar with them, where "familiar" means that the client has a good understanding of the risks, expected return, and tax characteristics of the investments that fall within this category. Also mention the products in which the client is currently investing or has invested in over the past 5 years.

Experience

Product type

Customer understands the product type

Number of investments

Total investment amount

Description

Flow: F-2026-047

Sustainability registered on 14/01/2023

UDA26000234 · Vanooteghem Davy — Lammertijn Liesbet

IT-er | +3256130756 · davy@stratton-maes.eu

UUser X Initiator

Alertness: Reduced Risk Profile: Low Balanced

ESG MIFID pre-contractual

Sustainability

Importancy

Do you consider it important that your insurance product includes one or more sustainability aspects?

No, my insurance product does not necessarily need to include sustainability aspects.

Yes, it is important to me that my insurance product includes sustainability aspects.

Preferences

What are your sustainability preferences?

I want my insurance product to include sustainability aspects, but I do not have a specific preference.

I prefer that my insurance product includes one or more of the following sustainability aspects.

Category A

Minimum percentage *

Category B

Minimum percentage *

Category C

Category C options

Desired categories/families

No preference for one or more categories of principal adverse impact indicators.

With a preference for the following category(ies) of principal adverse impact indicators:

Emissions

Biodiversity

Water

Waste

Fossil fuels

Energy efficiency

Social aspects or themes and working conditions

Human rights

Anti-corruption and anti-bribery

If you have specific preferences that were not discussed and addressed in the questions above, you may indicate them here.

Flow: F-2026-047

Product knowledge registered on 16/05/2025

UDA26000234 · Vanooteghem Davy — Lammertijn Liesbet

IT-er | +3256130756 · davy@stratton-maes.eu

UUser X Initiator

Alertness: Reduced Risk Profile: Low Balanced

ESG MIFID pre-contractual

Score 0 / 4 Test 1 of 1

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Test submitted and locked — Score: 0 of 4. Answers can no longer be changed.

Knowledge Questions

Q1. What does a Branch 21 insurance product mean?

A life insurance policy with a guaranteed return and capital protection.

An investment insurance policy fully dependent on the performance of investment funds.

A short-term savings account without costs.

An insurance policy without any form of capital guarantee.

I do not know.

Q2. Which statement about withdrawals (including early withdrawals) from a Branch 21 contract is correct?

Withdrawals (including early withdrawals) may be subject to withholding tax and charges.

Withdrawals are always free of charge and unlimited.

Any withdrawal automatically cancels the guaranteed return on the entire contract.

I do not know.

Q3. What is paid out to the beneficiaries upon the death of the insured under a Branch 21 contract?

Always the highest amount the contract has ever reached.

Only the premiums paid, without any return.

The value of the underlying funds at that time.

The current surrender value or the insured death capital, in accordance with the contract terms and conditions.

I do not know.

Q4. What return can be expected from a Branch 21 life insurance contract?

Your interest consists of an annual premium of 2% on the invested capital.

Your interest consists of a profit-sharing amount systematically granted by the insurer, which may vary each year.

Our interest consists of a fixed interest rate, which can never be 0%, and a potential profit-sharing amount granted by the insurance company, which may vary each year.

Your interest consists of a fixed interest rate, which may be 0%, and a potential profit-sharing amount granted by the insurance company, which may vary each year.

I do not know.

Flow: F-2026-047

3de en 4de pijler — 18/04/2026

UDA26000234 · Vanooteghem Davy — Lammertijn Liesbet

IT-er | +3256130756 · davy@stratton-maes.eu

UUser X Initiator

Alertness: Reduced Risk Profile: Low Balanced

ESG MIFID pre-contractual

Advice

After this in-depth analysis and review of your investor profile, as well as the products available on the market, we recommend the following products to you:

Company	Product
Axa Belgium	Axe invest Plus

Suitability declaration

Risk Return Taxes/costs Objective Withdrawals Suitable

A paragraph of text with an unassigned link.
A second row of text with a web link

Broker's opinion

The offered product(s) are suitable for your level of knowledge and experience, your financial situation, as well as your objectives, wishes, and needs

The offered product(s) are not suitable for your level of knowledge and experience, your financial situation, as well as your objectives, wishes, and needs

Motivation of our advice in the absence of sufficient knowledge and/or experience:

A paragraph of text with an unassigned link.
A second row of text with a web link

In order to enable you to acquire sufficient knowledge and/or experience with the product, our office has discussed its main features, costs, taxes, and risks with you.

We do not have sufficient information to determine which products are suitable for you. We kindly ask you to complete the questionnaire(s) more accurately so that we can still provide you with appropriate advice.

Is this advice based on an impartial and personal market analysis?

Yes. Our advice is provided on the basis of an impartial and personal analysis of a sufficient number of life insurance products available on the market that are consistent with your wishes and needs

No. Our advice is not provided on the basis of an impartial and personal analysis of a sufficient number of life insurance products available on the market that are consistent with your wishes and needs

We inform you that our office may work and does work with the insurance companies listed.

A paragraph of text with an unassigned link.
A second row of text with a web link

Customer's opinion

Your demands and needs have been identified, and you have been provided with a summary

As part of the subscription to a life insurance product with a savings and/or investment component, you completed the questionnaire regarding your knowledge and experience.

You confirm that the answers to the questions previously asked by our office regarding your knowledge and experience remain valid and that it is not necessary to answer these questions again.

Does the proposed product meet the client's sustainability preferences?

Yes

No, I want to adjust my sustainability preferences. This decision and its justification are documented in the section above in Part III.

No, I do not want to adjust my sustainability preferences. I wish that the insurance product proposed to me is in line with my sustainability preferences. Consequently, no advice can be provided to me and no insurance product can be proposed.

Details

I want my insurance product to include sustainability aspects, but I waive my specific sustainability preferences.

I want to go through the questions regarding my specific sustainability preferences again.

I waive my specific sustainability preferences and indicate that I have no preference. My insurance product therefore does not necessarily need to include sustainability aspects.

Taking into account our information and advice, you confirm that you wish to subscribe to the offered product(s).
You also expressly acknowledge that you have been informed about the extent of the risk as well as the characteristics and limitations of the insurance product we are proposing to you.

Client Signature

Tap to sign or draw signature

General extra information

In order for you to make an informed decision, our office has reviewed with you and has also provided you with:

MIFID pre-contractual information about our office and services

Our general terms and conditions of sale

Your client profile form

The questionnaire completed by you to determine your wishes and needs.

The questionnaire you completed to assess your knowledge and experience in savings/investment products

The questionnaire you completed to determine your savings and/or investment objectives (including your sensitivity/tolerance to financial market risk)

The questionnaire you completed to assess your financial situation and your ability to absorb financial losses

The financial information sheet or PRIIP's KID (Key Information Document) of the selected product(s)

The special terms and conditions of the chosen insurance contract/product.

Information about the costs and associated charges of the contract.

The following additional information:

A paragraph of text with an unassigned link.
A second row of text with a web link

We inform you that our office may work and does work with the insurance companies listed:

on our website

in the attached document

The activities of our office in relation to the insurance contract are remunerated on the following basis:

A fee paid directly by you to our office. The amount of the fee is:

in the attached document

Overview of additional costs and/or charges in the event of arbitration or switching

A paragraph of text with an unassigned link.
A second row of text with a web link

The client wishes to subscribe to the following product(s) without any advice from our office.

Company	Product
Axa Belgium	Axe Invest Plus

Brokers opinion

Our office specifies that

given your knowledge and experience, the product(s) you have chosen is/are appropriate

given your knowledge and experience, our office warns you that the product(s) you have chosen is/are not appropriate

we warn you that we do not have the necessary information to determine whether or not the product(s) you have chosen is/are appropriate

Customers opinion

Your demands and needs have been identified, and you have been provided with a summary

As part of the subscription to a life insurance product with a savings and/or investment component, you completed the questionnaire regarding your knowledge and experience

You confirm that the answers to the questions previously asked by our office regarding your knowledge and experience remain valid and that it is not necessary to answer these questions again

Taking into account our information, you confirm that you wish to subscribe to this product(s).
You also expressly acknowledge that you have been informed about the extent of the risk as well as the characteristics and limitations of the insurance product you have chosen.

Client Signature

Tap to sign or draw signature

General extra information

In order for you to make an informed decision, our office has reviewed with you and has also provided you with:

MIFID pre-contractual information about our office and services.

Our general terms and conditions of sale.

Your client profile form.

The questionnaire completed by you to determine your wishes and needs.

The questionnaire you completed to assess your knowledge and experience in savings/investment products.

The questionnaire you completed to determine your savings and/or investment objectives (including your sensitivity/tolerance to financial market risk).

The questionnaire you completed to assess your financial situation and your ability to absorb financial losses.

The financial information sheet or PRIIPs KID (Key Information Document) of the selected product.

The special terms and conditions of the chosen insurance contract/product.

Information about the costs and associated charges of the contract.

The following additional information:

A paragraph of text with an unassigned link.
A second row of text with a web link

We inform you that our office may work and does work with the insurance companies listed:

on our website

in the attached document

The activities of our office in relation to the insurance contract are remunerated on the following basis:

A fee paid directly by you to our office. The amount of the fee is:

in the attached document

Overview of additional costs and/or charges in the event of arbitration or switching.

A paragraph of text with an unassigned link.
A second row of text with a web link

Flow: F-2026-047

3de en 4de pijler — 18/04/2026

UDA26000234 · Vanooteghem Davy — Lammertijn Liesbet

IT-er | +3256130756 · davy@stratton-maes.eu

UUser X Initiator

Alertness: Low Risk score: Low Balanced

ESG MIFID pre-contractual

IR expired MIFID mapping

Product

Company

Axa Belgium

Product

Flow: F-2026-047

3de en 4de pijler — 18/04/2026

UDA26000234 · Vanooteghem Davy — Lammertijn Liesbet

IT-er | +3256130756 · davy@stratton-maes.eu

UUser X Initiator

Alertness: Reduced Risk Profile: Low Balanced

ESG MIFID pre-contractual

Risk profile summary

Risklevel

Low

Due Diligence Level

Reduced

Enhanced Due Diligence

Atypical Facts

Yes

Customer information

What type of client is it? What is their legal status?

Is the person a PEP, a family member of a PEP, linked to a PEP, or a controversial figure?

Specify

Is their activity considered an AML/CFT risk and/or does the activity involve significant cash sensitivity?

Where is the client / authorised representative / ultimate beneficial owner located (their activities, registered office, or professional ties)?

Specify if not Belgium:

Results

Assessment date

Conclusion date

22/03/2026

Conclusion

Contract/Proposal

UDA26000234

Do you want to overrule the Due Diligence Level?

Corrected due diligence level

Justification for the adjustment

A paragraph of text with an unassigned link.
A second row of text with a web link

Transactional information

What is client's main objective?

Premium amount

Origin of funds

Is a long-term business relationship intended?

Under what circumstances does the business relationship/transaction take place? (usual circumstances? unusual?)

What type of product does the transaction relate to, or what type of product does the client wish to subscribe to?

Product

Branch

Broker information

Where is the insurance office located?

What type of sale is it?

Atypical facts

Do you suspect any atypical facts/transactions?

Type	Description	State
About the …	The money is comming from…	Suspicion disproved
About the origin…	Transaction pattern inconsistent…	Suspicion confirmed

Atypical fact — Davy Vanooteghem

UDA26000234 · IT-er · +3256130756 Flow: F-2026-047

Atypical fact

Description of the warning signal (red flag)

Additional description of the suspicion

Actions taken to refute/confirm the suspicion

3de en 4de pijler — 18/04/2026

UDA26000234 · Vanooteghem Davy — Lammertijn Liesbet

IT-er | +3256130756 · davy@stratton-maes.eu

UUser X Initiator

Alertness: Reduced Risk Profile: Low Balanced

ESG MIFID pre-contractual

Alertness list

Description	State

Details

Description

Source

Remarks

Smart Search

Natural language search across all entities

Persons

Flows

AI Search

All customers older than 25 Policies expiring next month Overdue acquittances this quarter Customers without appointment this year