KOMUT leasing partner
O2O bike leasing in Brussels
O2O is a Belgian bike leasing specialist working in both the private and public sectors, including for statutory civil servants. You simulate your lease in the myo2o tool and choose your bike at KOMUT.
O2O leasing at a glance
- All-in package with a servicing budget
- Damage and theft cover
- Replacement bike during repairs
- myo2o tool to simulate and order
- Compatible with most cafeteria plans
Information taken from the O2O website, for guidance only. The exact terms are those of your employer’s contract.
Gross or net: what does your O2O bike really cost?
The lease is taken from your gross salary, before social security (13.07%) and income tax. Your net pay therefore only falls by about half the monthly amount. And private use of a company bike is not taxed as a benefit in kind.
Your exact monthly amount is calculated in the myo2o tool.
| Gross monthly fee | Net cost, 40% rate | Net cost, 45% rate |
|---|---|---|
| €100 | ≈ €50 | ≈ €45 |
| €150 | ≈ €75 | ≈ €68 |
| €200 | ≈ €99 | ≈ €90 |
Example: with a gross monthly fee of €150 over 36 months, or €5,400 in total, the net cost is about €2,685 at the 40% rate and €2,434 at the 45% rate.
Indicative examples: social security of 13.07%, marginal tax rate of 40% or 45% plus 7% municipal tax. The actual result depends on your salary, your situation and your employer’s scheme. If your employer pays for the bike in full, with no salary exchange, it costs you nothing.
Estimate your net cost
Enter the gross monthly fee from your lease quote.
How do I find my rate?
| Under ± €2,000 gross a month | 25–40% |
| ± €2,000 to 3,000 gross | 40% |
| ± €3,000 to 4,700 gross | 45% |
| Over ± €4,700 gross | 50% |
Rough guide for a full-time employee, 2026 income. Your marginal rate is that of the highest bracket your taxable income reaches: up to €16,720 at 25%, up to €29,510 at 40%, up to €51,070 at 45%, above that 50%. It depends on your family situation: for a precise figure, use the FPS Finance Tax-Calc simulator or ask your HR department.
Indicative estimate: 13.07% social security, 7% municipal tax, allowance of €0.37 per km over 45 weeks, capped at €3,700 a year, if your employer pays it. The exact amount depends on your salary and your employer’s scheme.
Your O2O bike at KOMUT in 4 steps
From test ride to handover, we coordinate everything with your employer.
Why go through KOMUT?
The most popular lease bikes
A selection of our best sellers, all available on lease through O2O and ready to test in our stores.
Frequently asked questions
Another question? Call your nearest store or use our contact form.
My employer works with O2O: can I choose my bike at KOMUT?
Yes. KOMUT is a O2O partner: come and test your bike in one of our three Brussels stores, then we prepare the quote and coordinate the file.
Which bikes can I lease through O2O?
Electric, cargo, longtail, folding or city bikes, and even speed pedelecs, within the budget set by your employer.
What is included in a O2O lease?
The exact content (term, servicing, insurance, assistance) depends on the contract your employer has signed with O2O. We explain it in store before you sign.
My employer doesn’t work with O2O, what now?
We work with 7 leasing partners, so there is a good chance your employer works with one of them. Otherwise, financing over 6 to 36 months also lets you spread the cost.
Request your O2O quote
Tell us which bike you are interested in and who your employer is: we will get back to you quickly to prepare your O2O quote.
- Tailored quote, no obligation
- Coordination with your employer and O2O
- Free test ride in our 3 stores
Prefer to call?
Uccle 02 343 47 57 · Saint-Gilles 02 725 63 92 · Woluwe-Saint-Pierre 02 223 60 06
Your quote request
Our other leasing partners
All about bike leasing: our leasing page. Are you an employer? Offer bike leasing to your staff.