Industry Insights | STX Finance

5 Questions to Ask Before Choosing One of the Best Motorhomes Dealers in Belgium

Whether you are planning your first long-distance road trip or considering a motorhome for seasonal living, choosing the right dealer is one of the most important decisions you will make. With growing interest in both ownership and leasing options, Belgium offers a wide range of motorhomes dealers. However, not all are equal when it comes to transparency, legal compliance, and ongoing support.

Before signing any agreement, it pays to ask the right questions. These five areas can help you evaluate whether a motorhome dealer is the right partner for your journey — whether you are buying outright or leasing under a regulated financial structure.

1. Are You Working with a Legally Registered Dealer or Credit Intermediary?

In Belgium, any dealer offering leasing or finance must comply with strict FSMA (Financial Services and Markets Authority) regulations. If leasing is part of your consideration, ensure the dealer either holds a registration as a licensed credit intermediary or works in partnership with one. This legal framework protects consumers by ensuring the contract is transparent, fair, and regulated.

Ask for confirmation of FSMA registration or official documentation. A reputable dealer will have no issue providing this information and should be able to explain your rights clearly before you commit to a vehicle.

2. What Kind of After-Sales Support are Motorhomes Dealers Offering?

Purchasing or leasing a motorhome is not a one-time transaction. You will likely have questions once you are on the road, especially if this is your first time owning or using a motorhome. Good motorhomes dealers should offer reliable after-sales support, including assistance with technical issues, servicing recommendations, and help understanding how to operate key systems onboard.

Ask about response times, service partners, and whether technical support is available in multiple languages if you are an expat or international customer. This becomes especially important if you plan to travel across borders.

3. Is the Vehicle Fully Inspected and Disclosed?

Motorhomes, particularly pre-owned models, come with many mechanical and onboard systems. From heating units to solar panels and water tanks, each component should be in good working condition before you take possession of the vehicle. A trustworthy dealer will provide a full inspection report and walk you through any past repairs or known issues.

Request a written checklist or inspection certificate that covers structural integrity, odometer accuracy, engine health, and interior systems. For leased vehicles, check what responsibilities you have regarding routine servicing and whether maintenance is included in the monthly fee.

4. Can You Compare Leasing vs Purchase Based on Your Usage?

Some buyers assume they must purchase a motorhome to enjoy long-term use, but that is no longer the case. Operational leasing has become a popular option in Belgium for individuals who want flexibility, fixed monthly costs, and fewer administrative tasks. If you are unsure which path is best for you, a professional dealer should be able to explain the difference in clear terms.

When approaching motorhomes dealers, ask about the duration of typical leasing contracts, what is included in the monthly payment, and your options at the end of the term. A good dealer will tailor the conversation to your travel habits, lifestyle goals, and budget — not just try to sell you the most expensive unit.

5. How Are Registration and Compliance Handled Across Borders?

Many people who lease or buy a motorhome in Belgium plan to travel throughout Europe. However, cross-border travel involves more than just fuel and a map. Ask how the dealer handles vehicle registration, European compliance standards, and insurance coverage that remains valid in multiple countries.

A knowledgeable dealer will be able to explain the advantages of Belgian registration, such as smoother travel within the EU, and may offer insurance or assistance packages that ensure your vehicle remains road-legal wherever your journey takes you.

Final Thought

Choosing from among the best motorhomes dealers is about more than location or price. It is about aligning yourself with professionals who prioritise safety, compliance, and your long-term satisfaction. Whether you plan to use the vehicle for holidays, seasonal living, or business travel, asking the right questions up front gives you peace of mind later.

Take your time, do your research, and remember — a reputable dealer should welcome your questions. The best journeys start with the right partnership.

Equestrian Vehicle Leasing: A Safer Path for Young or New Drivers

In the equestrian world, reliable transport is more than a convenience — it’s a critical part of daily operations. Whether you’re a new rider attending your first competitions or a small business transporting horses for veterinary care, lessons, or sales, choosing the right vehicle can significantly impact both safety and efficiency. This is where equestrian vehicle leasing comes in.

Many professionals are turning to equestrian vehicle leasing as a safe, accessible option — especially when starting out. Compact leased horse vans, compatible with a standard category B driving licence, are opening up opportunities for individuals and businesses who need mobility without the commitment of heavy-duty vehicles or specialised licences.

Why B-Licence Vehicles Make Practical Sense

In Belgium, many traditional horse trucks require a C or C1 licence due to their weight and size. While these are suitable for larger operations, they can present a barrier for young professionals or smaller businesses just getting started. Securing a C licence involves time, training, and added costs — not to mention the confidence and experience required to safely handle a large truck on busy roads or at showgrounds.

Leasing a horse van that only requires a B licence removes that barrier. These smaller, well-equipped vehicles are designed to be safe, easy to manoeuvre, and legally compliant for drivers with standard qualifications. For riders under 25, grooms, part-time professionals, or new equestrian entrepreneurs, this opens the door to professional-grade transport from day one — without needing to immediately invest in advanced training or larger infrastructure.

The Flexibility to Start Small and Grow

For small equestrian businesses — from riding schools and breeders to freelance grooms and mobile therapists — operational leasing offers a way to align transport solutions with actual, current needs. There’s no pressure to overinvest in large vehicles that may not yet be necessary. Instead, leasing provides a practical stepping stone: start with a compact horse van, and upgrade when your operation grows.

This approach supports better financial planning and resource management. Monthly leasing payments are fixed and predictable, making it easier to manage cash flow, especially during early growth phases or in seasonal industries. Maintenance needs are generally lower, and insurance and assistance are typically included, which simplifies setup and keeps administration light.

Safety for the Driver — and the Horses

Young drivers benefit from vehicles that are easier to operate and park, especially when navigating tight rural roads or busy competition venues. But leasing also indirectly benefits the horses themselves. Newer vans typically come equipped with features such as:

Non-slip rubber flooring with extra grip

Adjustable partitions with soft protective cushions

Improved suspension systems

Climate ventilation and lighting

Onboard monitoring options

These upgrades reduce the risk of injury, stress, or fatigue during transport, supporting horse welfare and giving both driver and animal a smoother journey.

Why Leasing with STX Finance Works

STX Finance offers fully regulated operational equestrian vehicle leasing solutions that align with Belgian financial legislation. Our compact horse vans are ideal for standard B-licence holders and small operations needing a reliable, compliant, and cost-effective transport solution. Insurance and assistance are included, and our contracts are designed for clarity, stability, and ease of use — no hidden costs, no complex terms.

Whether you’re launching a new equestrian business, transitioning from amateur to professional, or simply need a safer way to transport your horses, equestrian vehicle leasing can help you move forward — without overcommitting.

Start Smart with the Right Lease

Not every equestrian operation needs a large truck. For many, a compact leased vehicle offers all the flexibility and functionality required — with fewer obligations and more peace of mind. Equestrian vehicle leasing isn’t just about cost-saving; it’s about choosing a smarter, safer path as you build your future.

With STX Finance, you can access the right vehicle for your current stage — and keep your options open for what’s next.

STX Finance enters a new strategic chapter with Zoé Conter as Managing Director

To succeed at the highest level, in sport or in business, focus is key. It’s about making choices and going all in. Yet some people manage to thrive in both worlds without losing momentum. Zoé Conter (27) is one of them. In the saddle, she competes at the highest level, impressing on 5* showgrounds around the world. But behind the scenes, she’s also been carving out a second path, within Stephex Group, the international business empire built by her father, Stephan Conter. That journey now leads to a central role at STX Finance.

“My father taught me that success, whether in sport or in business,
comes down to two things: hard work and a drive to keep evolving.”
– Zoé Conter

A strategic fit within the Stephex Group

Stephex Group is not only home to the top-level showjumping stable Stephex Stables, but also active in the production of horse trucks and motorhomes, as well as the organisation of major events like Brussels Stephex Masters. Just earlier this month, the group revealed plans for a brand-new equestrian competition venue near St. Tropez.

As Managing Director of STX Finance, Zoé is now in charge of Stephex’ fast-growing leasing division for horse trucks, motorhomes and more. “After my studies, I gave myself some time to figure out where I could really add value within the family business,” Zoé says. “STX Finance was still developing, but I saw the possibilities and knew I could help shape its future.”

Expanding into high-end vehicles, yachts and luxury goods

STX Finance was set up to lease Stephex vehicles: horse trucks, 2-horse vans and motorhomes. But Zoé saw room to grow. Under her leadership, STX Finance is now also targeting high-end vehicles, compact yachts and tailor-made luxury leasing.

Zoé: “We noticed that our clients, besides looking for solutions for horse transport and motorhomes, were also interested in leasing other types of investments like luxury cars, boats and even real estate. They liked being part of the Stephex Experience and didn’t want to look elsewhere. At the same time, we’re seeing growing interest from clients outside the equestrian world looking for reliable leasing solutions for luxury cars, yachts or other high-end products. Thanks to our Stephex background, we understand the needs of riders, transport professionals and lifestyle clients like no one else. And we’re able to offer tailor-made solutions within a trusted brand that stands for style and quality.”

The road ahead

Zoé and her team are not only targeting new markets but are also focusing on international expansion and digitalisation. “Stephex is known for its personal and seamless approach, something that isn’t always easy to maintain on a global scale. That’s where digitalisation can make a real difference. We recently launched our new website and will soon roll out a new app that allows clients to easily follow up on their leasing files: an important step in our mission to make financial services more accessible, faster and more personal.”

Built on equestrian foundations

Finance is all about trust and that’s exactly what Zoé excels at. “The reputation of Stephex Stables is a real asset. Being active as a rider helps you grow an international network,” she explains. “Clients associate Stephex with quality and that trust carries over to STX Finance. You could say we’ve built a flexible and reliable financial network on the strength of our roots in the equestrian world, with clients both in Belgium and abroad.”

But her equestrian career does more than build a network, it also makes her a stronger entrepreneur.

“Top-level sport is demanding, but it gives me energy I can pour back into the business,” Zoé says. “It’s the combination of both worlds that keeps me in balance.”

A personal path

By placing Zoé at the head of STX Finance, Stephex confirms its readiness for the future, powered by a motivated new generation and a strong focus on continued growth. Zoé: “My father taught me that hard work and constant innovation are the foundation of everything. I want to carry on what he started and contribute to a fresh, forward-looking vision.”

Explore the website and discover STX Finance’s new digital environment.

Introducing the BRABUS BIG BOY 1200: Discover the ultimate STX and BRABUS luxury collaboration

Introduction
At STX Motorhomes, we are constantly driven by a passion for redefining luxury and functionality in motorhomes. Our latest collaboration with the legendary BRABUS brand represents a new milestone in this journey. Together, we’ve crafted the BRABUS BIG BOY, a motorhome that fuses exceptional performance with top-of-the-line luxury. This motorhome isn’t just about going places; it’s about elevating the journey itself.

A Partnership Built on Excellence
BRABUS and STX Motorhomes share a commitment to quality, innovation, and craftsmanship. Known globally for their high-performance upgrades and unmatched attention to detail, BRABUS brings a fresh level of expertise to the motorhome industry. By joining forces, we’ve created a motorhome that brings together the finest elements of each brand: STX’s expertise in luxury mobile living and BRABUS’s expertise in performance and design.

Inside the BRABUS BIG BOY: A World of Luxury and Performance
The BRABUS BIG BOY is designed to cater to travelers who seek both adventure and uncompromised luxury. Every inch of this motorhome is crafted to provide an experience that goes far beyond traditional motorhome living.

Interior Craftsmanship: The BIG BOY’s interior reflects the same elegance and refinement that you would expect from a high-end residence. With premium materials, custom finishes, and BRABUS’s distinctive design elements, the BIG BOY offers a sense of spaciousness and comfort.
Cutting-Edge Technology: In collaboration with BRABUS, we’ve integrated advanced technology that enhances every aspect of travel. From state-of-the-art entertainment systems to smart lighting and climate control, the BIG BOY offers seamless control over the environment, turning any destination into a true home-away-from-home.

A Living Space Built for the Road
The BIG BOY isn’t just a motorhome; it’s a luxury home on wheels. Designed with ample storage, a full kitchenette, a comfortable sleeping area, and a sophisticated lounge space, it’s ready to handle long road trips while providing a level of comfort comparable to a high-end hotel suite. The attention to detail—from fine upholstery to intelligently designed storage solutions—ensures that no space is wasted and every moment is luxurious.

The STX Motorhomes and BRABUS Vision
Our goal was to create a motorhome that doesn’t just meet the standards of luxury travel but redefines them. The BRABUS BIG BOY is the culmination of shared expertise and a vision of bringing the best of both brands to a single product. Every detail has been meticulously designed to ensure that this motorhome stands out both on the road and in the world of luxury travel.

Why the BRABUS BIG BOY is a Game-Changer
In combining STX Motorhomes’ commitment to creating luxurious, functional living spaces with BRABUS’s reputation for unmatched performance, we’ve set a new standard for motorhomes. The BRABUS BIG BOY represents a breakthrough in mobile luxury, giving travelers the freedom to explore without sacrificing the comforts of high-end living. For those who want more than just a motorhome, the BIG BOY offers a full luxury lifestyle experience.

Closing Thoughts
The collaboration between STX Motorhomes and BRABUS is a testament to what can be achieved when two brands dedicated to innovation and quality come together. With the BRABUS BIG BOY, we’ve created more than just a motorhome; we’ve created an experience. For those who seek the ultimate in luxury and performance, the BRABUS BIG BOY is ready to take you there in style.

Find out more about the Brabus BIG BOY 1200

https://www.brabus.com/en-int/motorhomes.html

Own the Road, Lease the Luxury: Which STX Motorhome Model fits your dreams

To ensure you get the most out of your motorhome, we’re here to help you find the motorhome model that best suits your needs. Each of our models is crafted with comfort, convenience and innovation in mind ensuring that every journey is as enjoyable as the destination. Let’s take a closer look at our four models: the 2 Pop-Out, 3 Pop-Out, 4 Pop-Out, and Race Truck.

2 Pop-Out: Luxury meets practicality

The 2 Pop-Out motorhome is designed for travelers who need ample storage without compromising on comfort. Featuring two pop-outs in the living area, both the kitchen and lounge expand outward to create additional space.

The key feature of this model however, is the garage capable of fitting a MINI or Fiat 500, making it ideal for those who want to bring a car along for added mobility. An additional option for this model is the mega push-up roof extension that can be added to increase headspace.

Solar panels can be fitted on each of our models, but due to it’s layout, the 2 Pop-Out model can carry the most panels with a maximum of 10 panels and generating up to 8545W.

Discover the 2 Pop-Out

3 Pop-Out: Storage, space, and comfort combined

The model with the most options in it’s lay-out and configuration is the 3 Pop-Out. It includes a third pop-out in the bedroom, expanding the bed area for extra comfort. Because of this additional space in the bedroom, the bathroom is slightly bigger and has room for a separated toilet and double sinks should you wish so.

There are 2 different layouts, the standard and flat floor layout. The standard model features the largest storage while the flat floor model eliminates the steps between the bed- and bathroom.

This model has the largest water tanks in the lineup with a 643L freshwater tank, 150L greywater tank and 440L blackwater tank.

Discover the 3 Pop-Out

4 Pop-Out: For the ultimate space-seeker

If you’re seeking maximum space and comfort, the 4 Pop-Out is the answer. It features an additional fourth pop-out, creating a larger bedroom and bathroom. This allows for a dedicated desk, making it the perfect choice for those who work remotely while traveling.

With 4 expanding sections and the flat floor layout, this motorhome provides an unparalleled level of living space, ensuring a true home-like feel.

Discover the 4 Pop-Out

Racing standard: Built for Motorsport Enthusiasts

Designed specifically for racers and car enthusiasts, the Race Truck comes in two versions: M1 and M4. While similar to the 2 Pop-Out version, the Race Truck allows for a longer garage suitable to fit more types of cars. Both of these models are equipped with a specific 3-ton hydraulic lift to safely park your car into the garage.

M1 Race Truck: Double the vehicle capacity

For those needing even more storage, the M1 Race Truck is designed to carry two sports cars, one taller family vehicle or one sports car with separate storage. This increased garage capacity comes with a trade-off—there is no traditional bedroom above the garage. Instead, the sleeping area is designed as a luxurious bunk-style bed, accessible via a ladder, offering a compact yet stylish solution.

M4 Race Truck: Maximum space for you and your car

This model is the middle ground between the 2 Pop-Out and the M1 Race model. The garage is longer than the 2 Pop-Out, suitable for a sports car, but not as tall as the garage in the M1 and thus suitable for one sports car. This means that there is additional space above the garage for a separate bedroom.

For both the M1 and the M4 models, same as with the 2 Pop-out model, there is the option to integrate a mega push-up roof extension to create additional headspace.

Discover the Race Truck

Which STX Motorhome is Right for You?

Every STX Motorhome is built with luxury, comfort, and practicality in mind, ensuring that wherever you go, you travel in style and convenience. Whether you’re looking for a garage, a spacious bedroom, or a dedicated workspace, there’s an STX model designed for your lifestyle.

Still undecided on which model is your best fit? Our Sales Advisors can assist you in making the right choice and evaluate your specific needs. Contact us for an appointment!

Get in touch

Life on the road without compromises: discover the mega push-up

When it comes to motorhomes, space is key. Our motorhomes are already available with multiple push-outs that extend sideways and a push-up that extends outwards. But for our newest model we pushed the boundaries and maximized our push-up.

What’s new about this push-up?

The push-up is a roof extension that elevates vertically above the motorhome’s bedroom when parked. Unlike the pop-outs that expand horizontally, this push-up adds vertical space, transforming the bedroom into a luxurious suite with increased headroom, natural light, and a feeling of open-air freedom.

This new push-up extends more towards the front of the vehicle, creating more space in the bedroom and the stairs leading up to the bedroom. This feature makes clever use of the motorhome’s upper structure without compromising the vehicle’s sleek and aerodynamic profile when in transit. With just a press of the button, the roof section above the bedroom rises smoothly, instantly adding more space and headroom.

Enhanced travel comfort

Effortless Access

The push-up design creates additional space, ensuring access to the bedroom feels open and comfortable, eliminating the need to bend or duck as you enter.

Spacious bedroom

Enjoy significantly more vertical space, eliminating any feeling of confinement and creating a more comfortable, airy environment.

Natural Light, Starry Nights
The push-up design incorporates a large skylight, bringing in natural light during the day and offering stunning views of the stars at night.

Take a closer look

Introducing the All-New STX 2 Horse Renault Master: A Revolution in Horse Transport

At Stephex Horsetrucks, we are thrilled to unveil the all-new STX 2 Horse Renault Master, a true game-changer in horse transport. Combining cutting-edge design, advanced technology, and unmatched performance, this latest innovation sets a new standard for comfort, safety, and elegance on the road.

Built for Those Who Demand Excellence

The STX 2 Horse Renault Master is meticulously crafted to meet the needs of riders who refuse to compromise. This groundbreaking model offers:

Enhanced Comfort: A redesigned interior ensures a smoother, more luxurious experience for both horses and passengers.
Innovative Safety Features: Advanced systems provide peace of mind and reliability on every journey.
Powerful Performance: Equipped with a 170HP engine, it delivers efficiency and strength, ready for any terrain.
Sleek, Modern Design: Bold aesthetics meet practical functionality, turning heads while delivering exceptional usability.

Be Among the First to Experience It

Excitement is building as we move closer to the official launch of this remarkable vehicle. Pre-orders are now open, offering early access to the future of horse transport.

Pre-order your STX 2 Horse Renault Master today (https://landing.stephexhorsetrucks.com/new-stx-2horse)

Ready to Redefine Your Journey?

Stay connected for more updates, including exclusive sneak peeks. This is your chance to embrace the next level of horse transport and secure your spot at the forefront of innovation.

STX USA Partners with Blue Bridge Financial to Offer Financing Solutions Across North America

Wellington, Florida, 29th January 2025 – STX USA, the leader in luxury horse transport, has partnered with Blue Bridge Financial to offer tailored financing options for equestrian professionals and horse owners across North America.

With Blue Bridge Financial’s proven track record—over 15 years of experience, $600 million in loans funded, and 9,000 businesses served—STX America customers can now finance their dream horse van quickly and efficiently.

Through this collaboration, customers can finance their dream ride with:

Mercedes STX Horse Van: starting at $2,522/month (T&Cs apply)
Dodge Ram STX Horse Van: starting at $2,091/month (T&Cs apply)
STX Horsetruck: POA

Why Finance Through Blue Bridge Financial?

Approvals in under 4 hours
Soft credit checks that don’t impact credit scores
Same-day funding to expedite vehicle acquisitions
Expert advice and custom payment plans

Stephan Conter, CEO at STX America, said, “We know many of our customers have been seeking financing options, and partnering with Blue Bridge Financial allows us to meet that demand with speed and flexibility.”

With a shared commitment to delivering outstanding customer service, STX America and Blue Bridge Financial aim to elevate the vehicle purchasing experience by making premium vehicles more accessible and financing seamless.

About STX America:
STX America brings the European leader in equine transportation to the USA and Canada, offering superior solutions for horse owners and equestrian professionals.

The flagship STX Van combines convenience, safety, and comfort, effortlessly transporting up to two horses—no special driving license required. For larger needs, the impressive STX Horsetruck accommodates 4 to 9 horses, complete with luxurious living areas, pop-outs, and all the comforts of home.

Whether you’re traveling to competitions, training events, or trail rides, STX America delivers a seamless and premium experience for both you and your horses.

Discover more at stxamerica.com.

About Blue Bridge Financial:
Blue Bridge is a trusted leader in financing solutions, empowering businesses and individuals with the capital they need to succeed. With a reputation for innovative and customer-focused financing options, Blue Bridge supports industries across the spectrum, delivering tailored solutions that foster growth and long-term success. Known for its strong partnerships and reliable financial expertise, Blue Bridge is committed to providing competitive rates, flexible terms, and exceptional service that drives confidence and peace of mind.

Discover more at bluebridgefinancial.com.

On the Road with Nicola Philippaerts: The AKX Mercedes Actros S in Action

In the fast-paced world of equestrian sports, logistics and comfort are just as critical as performance in the arena. Imagine traveling thousands of kilometers across Europe, with a truck that feels like a five-star hotel for both horses and humans. For Nicola Philippaerts, this is his daily reality with the AKX Mercedes Actros S. Let’s take a closer look at this Horsetruck and what it offers.

Built to Perform: The AKX Mercedes Actros S

The AKX Mercedes Actros S is the perfect fusion of power, functionality, and luxury, designed for equestrians who demand nothing but the best. Built on a Mercedes Actros S chassis, this horsetruck has everything needed for a seamless and stress-free journey.

Key Specifications:

Brand: AKX
Chassis: Mercedes Actros S
Weight: 26T
Power: 400 HP
Horse Capacity: 6 to 9

Where Comfort Meets Innovation: Inside the Horse Area

The well-being of the horses is the heart of the AKX Actros S. The spacious horseboxes, designed to accommodate up to nine horses, are equipped with rubber flooring, adjustable partitions, and advanced ventilation systems that ensure optimal temperature and air quality.

Additional practical features include a saddle cupboard, blanket rack, and built-in water supply. Meanwhile, a cutting-edge surveillance system allows Nicola and his team to monitor the horses in real-time, providing peace of mind throughout the journey.

A Home Away from Home: The Living Area

The living space is nothing short of luxurious, designed for relaxation after long competition days. From upholstered walls to a cozy seating area, this truck has all the amenities for a comfortable stay. A modern kitchen, complete with a microwave, ceramic cooktop, and refrigerator, ensures that Nicola and his team can enjoy home-cooked meals on the road.

The Bathroom: Refresh and Recharge

After a demanding day on the competition field, there’s nothing better than unwinding in the AKX Actros S’s fully equipped bathroom. Featuring a shower with a thermostatic tap, a sink, and a modern toilet, the bathroom combines functionality with comfort. Built-in storage ensures everything stays organized, while the elegant design adds a touch of luxury.

“After a long day, being able to take a proper shower and relax here is such a luxury. It helps me recharge for the next challenge ahead.”

Technical Marvels: Equipment That Delivers

Behind the scenes, the AKX Mercedes Actros S is powered by cutting-edge technology. With a frost-free water system, clean and waste water tanks, and full air suspension, this truck offers a smooth ride on even the toughest roads. Electrical systems (220 V and 24 V) keep everything running seamlessly, while motion-sensing outdoor lights add an extra layer of practicality. Whether it’s for the horses, the crew, or the journey itself, the AKX Mercedes Actros S stands as the ultimate companion.

Take a tour with Nicola himself

Step inside the horsetruck together with Nicola Philippaerts! In this video, Nicola gives you a personal tour of his AKX Mercedes Actros S, showcasing the incredible features. Discover why this truck is the ultimate companion on the road.

Click to view the video https://www.youtube.com/watch?v=1DofdOjxOUE