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Bicycle leasing for employees

it's that easy

Whether you like a handy cargo bike, fast speed pedelec or a flashy racing bike, cycling gives you an ultimate feeling of freedom! And it is exactly that freedom that we extend to our offer. In addition, our digital tools guide you step by step in the search for that ultimate dream item and you benefit from a number of advantages. So you can fully enjoy that relaxing ride to work or that scenic drive with friends and family during the weekend.

Get your calves massaged right away!

Do you, as an employee, want to lease a bike through your employer?

only advantages at o2o

1. Your new bike

What do you prefer: are you going for a reliable electric city bicycle, a spacious cargo bike or a fast speed pedelec? Or do you prefer a mountain bike, a racing bicycle or folding bike that comes in handy during the weekend? The choice is yours!

Discover your ideal bike

2. Bicycle dealer of your choice

With o2o you can lease from any bicycle dealer you like. With over 1.000 partners in Belgium, there's a good chance your favourite bicycleshop already works with us. And if not? Then we will take care of it!

Find your bicycle dealer

3. 40% less expensive

Lease a bike through your employer? Then your bicycle will cost you in the end on average 40% less than if you bought it yourself. Even better: not only do you save on average 40% on your bicycle, you also get the same tax advantage on accessories and additional services.

Calculate your benefit

4. Carefree pedaling

You want to trust that your new bicycle will take you wherever you need to be. We can understand that. That is why we have a number of special bicycle services for you, such as our theft coverage and breakdown assistance, while you also enjoy the tax advantage.

Discover our services

5. No unexpected costs

With o2o bicycle leasing we provide a budget for maintenance. As a result, you do not have to pay anything at the bicycle dealer and we will arrange this directly with your bicycle repair shop.

6. No high purchase price

With bicycle leasing you don't pay a high one-time purchase cost, but you pay for your dream bike through a spread payment. And in the meantime you enjoy the tax advantage.

How much does a lease bicycle cost me, as an employee?

not so much, if you ask us

URBAN_ARROW_Family_2020_06

Urban Arrow - Electric cargo bicycle

  • List price: 4.390 euro

    Leasing (net): 55 euro / month

    Your savings: 2.600 euro compared to private purchase

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Gazelle C8 + HMW - E-bike

  • List price: 2.999 euro

    Leasing (net): 39 euro / month

    Your savings: 1.751 euro compared to private purchase

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Cowboy ST4 - E-bike

  • List price: 2.790 euro

    Leasing (net): 37 euro / month

    Your savings: 1.645 euro compared to private purchase

Vrouwen fietsen

Cycling, good for you and the planet

and the benefits just keep on coming

A daily dose of exercise in the fresh air provides an endless list of benefits:

  • You boost your mental and physical health (less stress, more self-confidence and improved immunity).

  • You care for the planet and by cycling, choose for a sustainable alternative.

  • You save time: no more traffic jams! By cycling, you ride to work smoothly and avoid the busy car traffic during rush hour.

  • You move freely on your dream bike and have complete control over your departure and arrival time.

Discover more benefits

Check our cycling stories

Save on more than just your ideal bike

just like sales, but different

1. Save on accessories

Do you need a decent helmet, a practical bicycle bag, a GPS, a compact bicycle trailer or a bicycle lock?

You can also lease these at o2o at the same advantageous conditions. In this way all your options and accessories are on average 40% less expensive than if you would buy it all yourself as a private individual.

2. Save on maintenance and repairs

You pay for maintenance and repairs of your lease bicycle with your o2o service budget. That budget is an annual amount between 50 and 400 euros that you freely choose, depending on what you need. Unless your employer fixes this amount.

And yes, you also enjoy the same tax benefits on this service budget. As a result, your bicycle maintenance and repair are also a lot less expensive than if you would pay for it yourself.

You also don't have to care about paperwork with o2o leasing. Is your bicycle maintenance or repair ready? o2o settles directly with your bicycle mechanic.

17

Worry-free ride

the road to freedom

You want to trust that your new bicycle will take you wherever you need to be. We can understand that. That is why we have a number of special bicycle insurance policies for you. So you can always count on your steel – or is it aluminum – steed as a loyal ally. The tax advantage also applies to these insurance policies.

  • Your damage cover (or non-life insurance) pays for the repair of damage to your bicycle in the event of an accident, fall or vandalism.

  • Your theft cover guarantees a brand new bicycle if yours is stolen.

  • Your breakdown assistance rushes out to help you in the event of a breakdown on the road. 24/24, 7 days a week, throughout the Benelux.

  • Your civil liability reimburses all physical and material damage of the other party in the event of an accident, even if you are in the wrong.

  • With your warranty insurance you extend the factory warranty until the end of your lease contract.

  • You are also entitled to a replacement bicycle if the repair of your bicycle or the delivery of your new bicycle takes longer than 3 working days. That way you'll never run out of your favourite mode of transport!

Discover our services

Ready to lease your bicycle from o2o?

smart move

1. Your employer is a customer of o2o


And you already have a company login code?Then create a myo2o Biker account and calculate your exact net lease price.

You did not get a company login code yet? Then ask one from your employer. In the meantime you can already simulate a lease price. So you get an idea about what the monthly cost of your dream bike is going to be and which advantages you are going to benefit from.

Create a myo2o Biker account.

2. Your employer is not a customer of o2o yet


Then you will first have to convince your employer to become a customer of o2o. No problem. We have nicely listed all advantages one after the other in a handy overview. The only thing left to do is to download the document and hand it over to your employer with a big smile on your face.

Download the persuasion package

Popular questions

With bicycle leasing, you as an employee rent a bicycle via your employer for a period of three or four years. You pay the rent of your bicycle monthly with a part of your gross salary. When you would have that part of gross salary paid out, then a number of taxes would be deducted from it. That leaves you with a lot less net. Think of NSSO, taxes and employer contributions, etc. You do not pay these taxes if you use that piece of gross salary to pay for your bicycle lease. That means that this amount of your gross salary can go entirely to your bicycle. Whereas otherwise you would just give it to the state. The net salary you receive is now recalculated on the reduced gross salary. So you are left with a little less net income. But that does not outweigh the cycling benefit you do. Have you reached the end of your ride? After the lease period, you pay a small amount (16% or 20% of the list price, more details can be found in the Cycling policy) to take over your bicycle.
Three or four years. It depends on the agreement with your employer.
Have you come to the end of your journey? Then there are two options: You can take over your bicycle at bargain price. The residual value amounts to 16% or 20% of the list price and also applies to accessories (more information can be found in the Cycling policy or in myo2o Biker under Your bikes(s)). Or you can leave your bicycle to o2o and return it free of charge to an agreed location. This way, you contribute to a sustainable world and save your bicycle from the scrap heap. Because our partner Decathlon will pick up your bicycle at the end of the lease period, repair it and return it to the market. Has the lease contract ended and the bicycle taken over or returned? Then you can start a new lease contract, if your employer allows you to, and choose a new dream bike. Will you choose your trusted brand, a different type of bicycle or the smartest sports model? All roads are open again ...
In order to be exempt from paying tax on the Benefit in kind (like for a company car), you have to use your bicycle regularly for commuting. The legislation does not specify exactly how much "regularly" means. Usually, you determine this in consultation with your employer. For most employers, the target is 20%. This means that on average, one in five days on a yearly basis, you commute to work by bicycle.
Certainly! Your bicycle is covered for the use by your family members and colleagues. It's up to you whether you want to share your bicycle with them. Of course, the idea is that you cycle enough with it yourself. Usually, this means that you cycle to work 20% of the time (on an annual basis) so that the Benefit in kind exemption is justified. Your company's cycling policy states the exact target figure.
Do you already have a company car? No problem. You can also lease a bicycle through your employer and enjoy all the tax benefits. Are you entitled to a bicycle allowance through your employer? Then you will also receive this amount for the days that you cycle to work.
A lease bicycle is not considered as a Benefit in kind by the government. This means that, unlike company cars, you do not have to pay extra costs for this. The only condition is that you regularly cycle to work.
If you end your employment contract, your participation in your employer's bicycle plan automatically stops. In that case, there are two options: You take over your bicycle for a certain fee, which depends on the already completed term of your lease. Of course, this takeover price will be higher than when you complete the term of the lease contract. The longer your contract runs, the greater the benefit of leasing. You hand in your bicycle and pay a termination fee (determined at the start of the contract). Would you like to know what costs are involved in an early termination of a contract? You can! Simulating the costs, such as the acquisition cost or termination cost, is easy in myo2o Biker. Have you gone through the simulation of an early termination and do you want to terminate your contract? Then contact your HR manager to start the end of contract procedure.
Your gross salary is used to calculate a number of social benefits and extra advantages: Statutory pension Benefit in case of maternity leave, illness, unemployment or an accident at work Holiday allowance End-of-year bonus Group insurance Theoretically, you can have a 'smaller' pension, less unemployment benefit, etc. But because of the gross-net ratio, the impact is so small that it is actually negligible. Especially compared to the large tax benefit of bicycle leasing. If you have any doubts about your personal situation, you better contact your company's HR department.
Leasing a bicycle with o2o is always done via an employer. You will first have to convince your employer to become an o2o customer. But that should not be a problem because: For your employer, bicycle leasing via o2o is completely budget-neutral. All costs are settled through your lease contribution. Bicycle leasing via o2o also means no extra administration for your employer. The user-friendly digital tools from o2o provide a maximum peace of mind: from onboarding and order management to payroll adjustments. To help you, we have prepared an information package for employers in which we clearly explain all the benefits of bicycle leasing and how it works. All you have to do is download the package and hand it over to your employer with a big smile.

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