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A Financial Reference Letter is a crucial document in the Belgian financial and business landscape, typically required for various commercial and personal transactions where proof of financial standing is necessary. The document is governed by Belgian banking regulations, including the Banking Act of 2014, and must comply with EU GDPR requirements for handling personal financial information. It provides third parties with reliable, bank-verified information about a client's financial relationship and standing, commonly used for business transactions, rental applications, visa applications, or educational admissions. The letter must be issued by authorized bank personnel and may require specific formatting and content depending on its intended use within the Belgian market. Given Belgium's multilingual nature, these letters often need to be available in Dutch, French, or German, depending on the region where they will be used.

1. Bank Information Header: Official letterhead and contact details of the issuing financial institution

2. Date and Reference Number: Current date and unique reference number for the letter

3. Addressee Details: Name and address of the recipient organization

4. Subject Line: Clear indication that this is a Financial Reference Letter and the client's name

5. Account Relationship Statement: Confirmation of the client's relationship with the bank and duration

6. Account Standing Declaration: Statement about the satisfactory operation of the account(s)

7. Closing and Authentication: Official signature, name, and position of the authorized bank representative