The target public of the moratorium encompasses all permanently in Belgium based  viable non-financial businesses, SMEs,  self-employed persons (including unincorporated self-employed persons) and non-profit organisations, in so far as they are experiencing payment problems due to the coronavirus crisis.

Enterprises and organisations that already benefited from a maximum credit deferral of 9 months under the first and/or second Charter for business credit deferrals are eligible for additional credit deferrals as long as they are “sound”, as defined in the third Charter for business credit deferral.

A postponement of payment can be requested for one of the following business loans:

• loans with a fixed repayment plan
• cash credits
• fixed advances

Public authorities cannot request a postponement of payment.