100+ Free FSMA Kredietbemiddeling Practice Questions

Prepare for the FSMA Credit Intermediation Knowledge Exam (Kredietbemiddeling / Intermédiation en crédits) exam with instant access — no signup required.

✓ No registration✓ No credit card✓ No hidden fees✓ Start practicing immediately

100+ Questions

100% Free

Loading practice questions...

Same family resources

Explore More FSMA Belgian Financial Intermediation Knowledge Exams

Continue into nearby exams from the same family. Each card keeps practice questions, study guides, flashcards, videos, and articles in one place.

FSMA Bank Intermediation Exam (Wet Willems, Belgium)

Practice Questions100 questions

2026 Statistics

Key Facts: FSMA Kredietbemiddeling Exam

3 × 20 MCQs

Official items per module (60 if all three sat)

Febelfin Academy course pages

60%

Pass mark per module, no negative marking

Febelfin Academy

3 hours

Maximum in-person session (about 30 minutes per module)

Febelfin Academy presential distance-learning page

EUR 180 / 200

Member / non-member in-person distance package (3-module bundle)

Febelfin Academy

NL / FR / EN

Official syllabus, exercises and exam languages

Febelfin Academy English course page

Belgium's FSMA kredietbemiddeling exam is three 20-question MCQ modules with a 60% pass per module and no negative marking. Module 1 is always required; Modules 2 and 3 follow the candidate's consumer-credit and/or mortgage activity. Febelfin Academy's in-person distance package is EUR 180 members / EUR 200 non-members (3-hour session); online proctoring is listed around EUR 300-320. Official sittings exist in Dutch, French and English. This bank is an English MCQ study aid, not the official paper.

Sample FSMA Kredietbemiddeling Practice Questions

Try these sample questions to test your FSMA Kredietbemiddeling exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 100+ question experience with AI tutoring.

1Which Belgian authority keeps the register of consumer-credit and mortgage-credit intermediaries and supervises access to those activities?

A.National Bank of Belgium (NBB / NBB-BNB)

B.FSMA (Autoriteit voor Financiële Diensten en Markten / FSMA)

C.FOD Economie / SPF Économie only

D.Febelfin as a private trade association

Explanation: Since 1 November 2015 the FSMA supervises access to the activity of lender and intermediary in mortgage credit and consumer credit and keeps the inschrijving register. Febelfin Academy is an FSMA-recognised exam provider; it is not the supervisor. The NBB operates the Centrale voor Kredieten aan Particulieren (CKP) and prudential banking supervision. FOD Economie enforces many Book VII conduct rules on credit contracts and advertising.

2The professional-knowledge requirements tested in the Febelfin Academy kredietbemiddeling exam are set out in which instrument?

A.Wet Willems of 22 March 2006 only, which is the bank-intermediation statute

B.Chapters V and VI of the Royal Decree of 26 October 2015 implementing Title 4, Chapter 4 of Book VII of the Code of Economic Law

C.A Febelfin internal training charter with no legal force

D.The Insurance Distribution Directive (IDD) modules 1 to 4

Explanation: Febelfin Academy states that the course teaches the professional knowledge required by chapters V and VI of the Royal Decree of 26 October 2015 implementing Title 4, Chapter 4 of Book VII of the Wetboek van economisch recht / Code de droit économique. The Law of 26 October 2015 amended that Code for credit intermediaries. Wet Willems is the separate bank- and investment-services intermediation regime. IDD is insurance distribution.

3When may a natural or legal person start acting as a Belgian credit intermediary (kredietbemiddelaar / intermédiaire en crédit)?

A.As soon as the Febelfin Academy exam is booked

B.Only after inschrijving with the FSMA (regime in force since 1 November 2015)

C.After three months of unpaid internship at any bank

D.Immediately, provided a notary countersigns the first credit file

Explanation: FSMA materials state that since 1 November 2015 credit intermediaries may start their activity only after they are inscribed with the FSMA. Passing the knowledge exam is evidence of professional knowledge for the registration file; it is not itself a licence to intermediate. There is no internship-or-notary substitute for inschrijving.

4Under Belgian law, which three exclusive categories exist for a consumer-credit intermediary?

A.Bank agent, insurance broker, and subagent

B.Kredietmakelaar, verbonden agent, and agent in een nevenfunctie

C.Notary, gerechtsdeurwaarder, and schuldbemiddelaar

D.PCP, VVD, and effectieve leider as registration categories

Explanation: The FSMA lists three exclusive consumer-credit intermediary categories: kredietmakelaar (broker), verbonden agent (tied agent), and agent in een nevenfunctie (ancillary agent). A firm may hold other statutes (for example mortgage intermediation or insurance) but can be inscribed in only one consumer-credit category. PCP, VVD and effectieve leider are roles inside a registered intermediary, not the three categories.

5In credit intermediation, what is a verbonden agent / agent lié (tied agent)?

A.An intermediary who may place production with any number of unrelated lenders

B.An intermediary who acts for and under the full responsibility of only one creditor, or of several creditors belonging to the same group

C.An employee of the FSMA who inspects credit files

D.A notary who registers the hypotheek

Explanation: The FSMA defines a tied agent in credit intermediation as an intermediary who acts for the account of and under the full responsibility of (a) only one creditor or (b) several creditors belonging to the same group. A kredietmakelaar is the opposite: not bound by an exclusive agency to place all or part of production with one lender or group.

6What distinguishes a kredietmakelaar / courtier en crédit from a tied agent?

A.The broker may only work for one bank brand

B.The broker intermediates outside any exclusive agency or other legal duty to place all or a defined part of production with one or more specified creditors

C.The broker never needs FSMA inschrijving

D.The broker may intermediate insurance but not credit

Explanation: FSMA FAQ: a kredietmakelaar is a credit intermediary, excluding a tied agent, subagent or ancillary agent, who works outside any exclusive agency or other legal commitment requiring all or a defined part of production to be placed with one or more creditors. If the person becomes exclusive, they can no longer be a broker and must inform the FSMA.

7May the same firm be inscribed with the FSMA as both a consumer-credit broker and a consumer-credit tied agent at the same time?

A.Yes; the categories stack automatically

B.No; the three consumer-credit categories are exclusive, although the firm may also hold other statutes such as mortgage intermediation

C.Yes, but only if the NBB consents

D.No, because a legal person cannot be a credit intermediary at all

Explanation: FSMA: the three consumer-credit categories are exclusive — a credit intermediary can be inscribed in only one of them. That does not prevent additional inscriptions under other statutes, for example as a mortgage-credit intermediary, bank-and-investment intermediary, or insurance intermediary. Both natural and legal persons may apply.

8The agent in een nevenfunctie / agent à titre accessoire (ancillary agent) in consumer credit is available only to which persons?

A.Independent mortgage brokers whose main activity is comparing home loans

B.Persons whose principal activity is the sale of non-financial goods or services (for example a shop) and who offer credit as an accessory

C.Any natural person who holds a master's degree

D.Foreign banks using the European mortgage passport

Explanation: FSMA: the ancillary-agent route exists only for persons whose main activity is selling non-financial goods and services (for example shops). They offer consumer credit as an accessory to that sale. Independent mortgage comparison is a different statute. A master's degree may exempt the knowledge exam; it does not create the ancillary-agent category.

9Which three exclusive categories exist for a Belgian mortgage-credit intermediary?

A.Kredietmakelaar, verbonden agent, and subagent

B.Kredietmakelaar, verbonden agent, and agent in een nevenfunctie

C.Notary, surveyor, and insurer

D.PCP, VVD, and CKP

Explanation: For hypothecair krediet the FSMA categories are makelaar, verbonden agent and subagent. The ancillary-agent (agent in nevenfunctie) category exists for consumer credit, not as a mortgage inscription category. PCP and VVD are internal roles; CKP is the NBB credit register.

10In FSMA credit-intermediation language, who is a PCP (persoon in contact met het publiek / personne en contact avec le public)?

A.Only the statutory auditor of the intermediary

B.A person who, in the course of the credit-intermediation activity, is in contact with the public (clients)

C.Any shareholder who holds more than 10% of the capital

D.The NBB analyst who reads the CKP file

Explanation: PCP are the persons in contact with the public for the credit-intermediation activity. They need the professional knowledge required for the credits they present. Shareholders and auditors are different roles; they are not the PCP definition.

About the FSMA Kredietbemiddeling Exam

The FSMA credit-intermediation knowledge exam (kredietbemiddeling / intermédiation en crédits) is the statutory professional-knowledge test for Belgian consumer-credit and mortgage-credit intermediaries, their PCP and VVD. It is not a private course quiz. Febelfin Academy, an FSMA-recognised exam provider, delivers three modules aligned with the Royal Decree of 26 October 2015 implementing Title 4, Chapter 4 of Book VII of the Wetboek van economisch recht / Code de droit économique. Module 1 (general principles) is mandatory for both consumer and mortgage activity. Module 2 covers consumentenkrediet and Module 3 hypothecair krediet; each is sat only when required by the candidate's credit activity. Each module is 20 multiple-choice questions with no negative marking and a 60% pass. This practice bank is a free English-language MCQ study adaptation of that knowledge — not an official translation and not a substitute for the Dutch, French or English sitting at Febelfin Academy.

Assessment

Each module is a separate 20-item MCQ with no negative marking. An in-person session lasts a maximum of 3 hours (about 30 minutes per module); online proctoring is listed as a maximum of 2 hours. All chosen modules must be taken on the same date. Official materials and sittings are available in Dutch, French and English. This bank is an English-language MCQ study adaptation, not an official translation and not a single 100-question exam.

Time Limit

Maximum 3 hours for an in-person session (about 30 minutes per module). Online proctoring sessions are listed as maximum 2 hours.

Passing Score

60% per module (at least 12 of 20), with no guessing correction

Exam Fee

In-person distance package (syllabus, exercise platform and exam for the 3-module bundle): EUR 180 members / EUR 200 non-members / EUR 180 BZB. Online-proctoring package listed EUR 300 / EUR 320 / EUR 300 on the course header (itemised list on the same page: EUR 280 / EUR 300 / EUR 280). Exam-only EUR 120 per module. Presential retake EUR 50; online retake EUR 230. VAT-exempt continuing vocational training. (Febelfin Academy as FSMA-recognised exam provider (statutory knowledge exam under the Law of 26 October 2015 / Royal Decree of 26 October 2015 implementing Book VII, Title 4, Chapter 4 CEL))

FSMA Kredietbemiddeling Exam Content Outline

20 MCQs, mandatory

Module 1 — Algemene beginselen van de kredietbemiddeling

Financial landscape, FSMA registration, PCP/VVD, tied agent versus broker, compliance/AML, contract law, matrimonial property, privacy

20 MCQs, optional by activity

Module 2 — Consumentenkrediet

Book VII CEL: credit types, JKP, SECCI, creditworthiness/CKP, 14-day cooling-off, advertising, early repayment, default

20 MCQs, optional by activity

Module 3 — Hypothecair krediet

ESIS, hypotheek inscription, valuation, affordability, variable-rate cap, wederbeleggingsvergoeding, foreign-currency mortgages

How to Pass the FSMA Kredietbemiddeling Exam

What You Need to Know

Passing score: 60% per module (at least 12 of 20), with no guessing correction
Assessment: Each module is a separate 20-item MCQ with no negative marking. An in-person session lasts a maximum of 3 hours (about 30 minutes per module); online proctoring is listed as a maximum of 2 hours. All chosen modules must be taken on the same date. Official materials and sittings are available in Dutch, French and English. This bank is an English-language MCQ study adaptation, not an official translation and not a single 100-question exam.
Time limit: Maximum 3 hours for an in-person session (about 30 minutes per module). Online proctoring sessions are listed as maximum 2 hours.
Exam fee: In-person distance package (syllabus, exercise platform and exam for the 3-module bundle): EUR 180 members / EUR 200 non-members / EUR 180 BZB. Online-proctoring package listed EUR 300 / EUR 320 / EUR 300 on the course header (itemised list on the same page: EUR 280 / EUR 300 / EUR 280). Exam-only EUR 120 per module. Presential retake EUR 50; online retake EUR 230. VAT-exempt continuing vocational training.

Keys to Passing

Work through all 100 available questions
Review every answer and explanation
Track weak areas and revisit them
Use our AI tutor for tough concepts

FSMA Kredietbemiddeling Study Tips from Top Performers

1Drill in 20-question blocks. The official pass is 60% per module, not an average across modules.

2Keep Dutch and French legal terms (kredietmakelaar, verbonden agent, JKP, SECCI/SEKKI, ESIS, wederbeleggingsvergoeding, hypothecaire inschrijving) even when you study in English.

3Practise JKP comparison, LTV, hypotheekrecht and the 3-month mortgage indemnity; Febelfin syllabi mix legal rules with credit arithmetic.

4Know which FSMA category you will register under. Broker, tied agent, ancillary agent (consumer credit) and subagent (mortgage) are exclusive categories.

5Official sittings exist in Dutch, French and English. This bank is a study aid, not a language replica of the Dutch or French paper.

Frequently Asked Questions

Is this the official FSMA / Febelfin Academy exam?

No. OpenExamPrep publishes a free English-language multiple-choice study adaptation. The official knowledge exam is organised by Febelfin Academy as an FSMA-recognised provider and may be sat in Dutch, French or English, in person in Brussels or online with proctoring.

How many questions are on the official exam?

Each module is 20 multiple-choice questions with no negative marking. Sitting all three modules means 60 official items. Module 1 is mandatory; Modules 2 and 3 depend on whether you intermediate consumer credit and/or mortgage credit. Do not treat this site's 100 practice questions as the official length.

What is the pass mark?

You must score at least 60% on each module you sit (12 of 20). Passing Module 1 does not compensate for failing Module 2 or 3.

How much does the official exam cost?

Febelfin Academy's in-person distance package (syllabus, exercise platform and exam for the three-module bundle) is EUR 180 for members and BZB partners and EUR 200 for non-members, with a EUR 50 presential retake. The online-proctoring package is listed at EUR 300 members / EUR 320 non-members on the course header (the same page's itemised list still shows EUR 280 / EUR 300 / EUR 280 and a EUR 230 retake). Exam-only registration is EUR 120 per module via info@febelfin-academy.be. Confirm current tariffs on the Academy site before paying.

Who must sit which modules?

Module 1 (Algemene beginselen van de kredietbemiddeling) is common and mandatory for consumer-credit and mortgage-credit activity. Module 2 is for consumentenkrediet and Module 3 for hypothecair krediet, each optional according to the credits you offer. PCP and VVD of a type-2 ancillary agent (credits not limited to that agent's own goods or services) sit Modules 1 and 2.

What happens if I fail a module?

Register for a resit with the same email. A 15-day waiting period starts the day after the failed sitting. The certificate lists each module you have passed.