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From 1 July to 31 Dec. 2025

What are the statutory interest rates applicable in the second half of 2025?

Publié le 24 juin 2025 - Directorate for Legal and Administrative Information (Prime Minister)

Legal interest rates are used to calculate the amount of penalties for late payment to a creditor. The rates applicable in the second half of 2025 were set by an order published in Official Journal of 24 June 2025. They shall apply from 1er July 2025.

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Legal interest rates are discounted every semester.

The first rate, the highest, relates to cases where a sum of money is due to an individual (i.e. the creditor is a natural person not acting for professional purposes); the second rate applies to other creditors (including professional creditors).

Tableau - Legal interest rate

Debtor (the person who owes money)

Creditor (the one to whom the money is owed)

Rate (2d semester 2025)

Rate (1er semester 2025)

Individual

Individual

6.65%

7.21%

Professional

Individual

6.65%

7.21%

Individual

Professional

2.76%

3.71%

Professional

Professional

2.76%

3.71%

The statutory interest rate is used to calculate interest on money owed to a creditor in the event of late payment, particularly in banking, over-indebtedness, credit, divorce or business-to-business cases. For example, in a commercial dispute or a court order requiring you to pay a sum of money, if you pay that sum late, you have to pay legal interest in addition.

To calculate the amount of interest, the amount due shall be multiplied by the number of days late and by the statutory interest rate applicable during the period in question. The result should then be divided by the number of days in a year (365). This corresponds to the following formula: (sum due) x days late x statutory interest rate) / 365.

365 should also be used in this calculation for a leap year.

Please note

The statutory interest rate plus now stands at 7.76% if the creditor is a professional and 12.21% if the creditor is an individual. This rate shall apply where the debtor has not paid the amount due within two months.

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