JOYN Banking, Finance & Insurance

  • Thirty years of combined experience - successful defence of major financial cases
  • Integrated management of "criminal-financial", "fiscal-financial" and "administrative-financial" matters
  • Expertise

Combined and proved experience

The lawyers in the Banking & Finance department have wide-ranging experience in all areas related to banking and financial law.

Christophe SteyaertDéborah Menasse and their team have more than 30 years of combined experience gained in banking and finance departments at top-tier Belgian and foreign law firms.

Integrating "criminal-financial", fiscal-financial" and "administrative-financial" know-how

Performance technique

With the ever-increasing complexity of financial transactions, JOYN Banking & Finance is called upon to devise pragmatic solutions for its clients in cases involving multiple legal disciplines - financial criminal law, financial administrative law and financial tax law. Our multidisciplinary approach and knowledge sharing enable us to work in a fully integrated manner while maintaining a global perspective. The result: comprehensive and practical solutions for our clients.


JOYN Banking & Finance regularly advises Belgian and international credit institutions, investment firms, investment funds, enterprises and individuals on how to achieve their objectives.

Fields of expertise:

Common banking contracts 

  • Banking contracts: credit operations, means of payment, general conditions of credit, general conditions for opening an account.
  • Leasing.
  • E-banking: financial services at a distance, electronic payments.

Banking and financial regulation

  • Belgian financial regulation: approval, compliance with banking and financial regulations, administrative sanctions, Belgian legislative follow-up, free movement of capital, freedom to provide services, freedom of establishment, competition.
  • Compliance.

Financial security and project financing

  • Financial security: collateral, assignment, mortgages, factoring.
  • International trade financing: first-demand guarantee, documentary credit.
  • Project financing: company acquisition financing (LBOs, LBIs), industrial project financing, syndicated loans.

Marketing of financial products

  • Marketing of financial products.

Market operations

  • Market operations: issuance of securities, IPOs, EPOs, derivatives, MiFID.
  • Investment funds: constitution of regulated investment funds.


  • Banking and financial litigation: liability of financial intermediaries, arbitration and mediation.
  • Financial crime: money laundering, market abuse, misuse of company assets.