How to Prove Your Tenant Reliability in Belgium in 2024

Finding accommodation in Belgium has never been more competitive.

On average, 34 applicants are competing for a single rental property, and landlords receive stacks of applications, some of which are unfortunately falsified. Faced with this reality, how can you stand out? How can you convince a landlord that you are the ideal tenant—reliable and serious? The answer comes down to two words: concrete proof.

In this comprehensive guide, we explain how to build a solid rental application, which documents to present, and how new technologies can give you a decisive advantage.

Why tenant reliability has become a crucial issue in Belgium

The Belgian rental situation is under strain. According to available data, 65% of rental applications in Belgium contain falsified or inaccurate information—a staggering figure that pushes landlords towards systematic mistrust. At the same time, 11 eviction orders are issued every day in Brussels, a statistic that traumatises landlords and makes them even more selective.

The result: even honest and financially stable candidates struggle to convince. A standard application—payslips, employment contract, bank statements—is no longer enough.

Landlords are looking for verifiable guarantees, not documents that can easily be modified with editing software.

Proving your tenant reliability therefore means going beyond the usual supporting documents to offer total and indisputable transparency.

The essential documents for a complete rental application

Before discussing innovative tools, let's review the basics. A solid rental application in Belgium typically includes:

A valid identity document (Belgian identity card or passport)
The last three payslips or equivalent proof of income
An employment contract (permanent contract preferred, or clear explanation for self-employed)
The last three bank statements showing regular income
An employer's certificate confirming your professional situation
References from your previous landlord if available
A personalised cover letter for the property in question

These documents remain the foundation of any application. But here's the problem: they can all be falsified. A vigilant landlord knows this. That's why more and more Belgian landlords are turning to automated verification solutions.

How new technologies are revolutionising proof of reliability

Open Banking, a technology that allows real banking data to be analysed with your consent, is profoundly changing the game. Instead of providing bank statements that you've printed yourself (and which could be modified), you authorise direct and secure analysis of your transactions from your bank.

This makes it possible to calculate a tenant reliability score based on real data—these indicators give the landlord a much more accurate and authentic picture of your profile.

This is exactly what ImmoTecto offers with its Tecto Score: a tenant reliability score out of 110 points, completely free, calculated from your real banking data via Open Banking. No manipulation possible. No subjective interpretation. Just real figures, presented in a readable format.

Tecto Score and TectoPass: your best allies to convince a landlord

The Tecto Score: free and instant

By registering on immotecto.com, you obtain your Tecto Score in just a few minutes. This score between 0 and 110 objectively summarises your tenant reliability. You can share it directly with a landlord via the ImmoTecto platform, who can then verify its authenticity in real time.

The advantage? It's extremely difficult to falsify. The score is calculated automatically from your banking data. No copy-pasting, no editing possible.

The TectoPass: certified proof you can take anywhere

To go even further, particularly for situations outside the platform, ImmoTecto offers the TectoPass. This is a certified PDF document that summarises your tenant reliability profile and includes a verifiable QR code.

In practical terms, the landlord simply scans the QR code with their smartphone and instantly accesses confirmation that the document is authentic and has not been modified. The TectoPass works even without an ImmoTecto account on the landlord's side—ideal for private landlords who aren't tech-savvy.

Why is this a major competitive advantage?

You demonstrate total transparency from the first contact
You immediately reassure a wary landlord
You stand out from the 33 other candidates for the same property
You accelerate the decision-making process in your favour

Mistakes to avoid in your rental application

Even with the best tools, certain mistakes can ruin your chances. Here's what you must absolutely avoid:

Providing incomplete documents: a partial application is perceived as a warning sign. Anticipate every request.
Omitting negative information: a landlord who discovers an inconsistency after the fact will immediately lose trust. It's better to explain a difficult situation honestly.
Sending a generic application: personalise your cover letter for each property. Landlords notice this.
Neglecting the presentation: a well-organised, readable and clean application reflects your seriousness. Use a single, structured PDF.
Waiting to be prompted: in Belgium, speed is often decisive. Send your complete application from the first contact, ideally with your TectoPass included.

Practical tips to maximise your chances

Beyond documents, here are some concrete strategies to strengthen your application:

Offer a solid rental deposit: in Belgium, two or three months' rent as a deposit is common.
Provide verifiable references: a former landlord who answers the phone is worth their weight in gold.
Demonstrate your professional stability: if you're self-employed, provide your financial statements from the last two years and, if possible, client testimonials.
Be responsive and professional: respond quickly to requests, be punctual for viewings, and make a good personal impression.
Use technology to your advantage: include your Tecto Score or your TectoPass from the first submission. It's a strong signal that you have nothing to hide.

Conclusion: transparency is your best asset

In a rental market as tight as Belgium's, proving your tenant reliability is no longer an option—it's a necessity. Landlords receive dozens of applications, many of which are falsified. To stand out, transparency and verifiability are your best cards.

Building a complete application remains the foundation. But going further with tools like the free Tecto Score or the certified TectoPass from ImmoTecto immediately places you in a category apart: that of candidates who have nothing to hide and everything to show.

Ready to secure your next accommodation? Get your Tecto Score for free in just a few minutes on immotecto.com and download your TectoPass—the most profitable (time) investment in your rental search.