News | STX Finance

Horse Van Financing in Belgium: A Guide for Equestrian Professionals

For breeders, equine veterinarians, and horse transport companies in Belgium, a horse van is not just a vehicle — it’s a business-critical investment. Whether you’re moving competition horses, transporting foals to sales, or delivering urgent veterinary care, reliability and safety are non-negotiable. However, acquiring a specialised horse van that meets commercial demands can be financially challenging. That’s where structured horse van financing in Belgium offers a practical solution for long-term planning and cost management.

STX Finance was established specifically to meet this need. We provide tailored leasing solutions for the equestrian industry. From application to vehicle handover, everything is managed directly through our team, offering a streamlined and accessible way to acquire the transport your business depends on.

Choosing the Right Vehicle for Business Use

When considering horse van financing in Belgium, comfort is just one element. These vehicles are designed to offer a compact, efficient solution that’s easy to operate with a standard category B driving licence, making them far more accessible than larger commercial trucks. Their ease of handling and manoeuvrability make them ideal for clients who need frequent, flexible transport across varying road types and urban areas.

Internal stall layout and partitioning
A flexible layout allows for safe transport of horses of different sizes and temperaments. Adjustable partitions and rubber-lined walls can help reduce stress during transit and minimise injury risk from shifting or kicking.

Ventilation systems for longer journeys
Consistent airflow is vital for maintaining stable temperatures and reducing the build-up of harmful gases such as ammonia. For transport companies handling long-distance routes, a robust ventilation system helps maintain animal health and reduce travel-related stress.

Integrated ramps for safe loading
Hydraulic or spring-loaded ramps should be built with slip-resistant surfaces and gentle gradients. These features make loading safer for horses and handlers, reducing strain and the potential for accidents.

Onboard monitoring systems
Video surveillance and temperature monitors allow drivers and staff to oversee the horses in real time, helping identify and respond to issues during transit. Some systems also offer data logging for compliance with animal welfare regulations.

Compatibility with towing or trailer units
For operations that need modular solutions, compatibility with additional trailers, tack units, or mobile clinics can turn a standard horse van into a flexible, multifunctional vehicle suited for a wide range of tasks.

These features support animal welfare, reduce handling risks, and help ensure compliance with European transport regulations, all essential for commercial operators to consider when it comes to horse van financing in Belgium.

Leasing Options for Commercial Buyers

Operational leasing provides commercial clients with access to a professional-grade horse van over a fixed term, with scheduled monthly payments and clearly defined conditions. Throughout the lease period, STX Finance retains full ownership of the vehicle, and clients benefit from its use without the obligations of long-term ownership. This structure is particularly well-suited for equestrian businesses looking to preserve liquidity, maintain predictable operating costs, or regularly update their transport equipment.

Business Budgeting and Asset Planning

Horse van financing in Belgium should always be approached as part of a broader asset management strategy. Commercial buyers should consider depreciation, resale value, and maintenance costs when calculating the total cost of ownership. Proper financing not only helps spread the initial investment but also supports strategic forecasting and resource allocation.

If a company operates multiple vehicles or relies on transport across borders, financing can enable smarter rotation, reduced downtime, and better coordination with service intervals or replacement schedules.

The STX Finance Approach

Our team understands the needs of the equestrian community because we’re part of it. Whether you’re based in Belgium or managing operations across Europe, our offers for horse van financing in Belgium are built around the realities of your business. From compact 3.5t vans to larger configurations, we provide the tools you need to keep moving — confidently, efficiently, and professionally.

We take the time to review your commercial goals, paperwork, and repayment capacity, ensuring the credit you access is aligned with your needs and with Belgian law. Whether you’re financing a single horse van or upgrading a small fleet, we are committed to helping you do it securely and responsibly.

Horsetruck Finance in Belgium: What Equestrians Should Know

For stable owners, breeders, and show riders across Belgium, a horsetruck is far more than just a mode of transport — it’s a critical investment in horse safety, operational efficiency, and timely event attendance. Whether you’re transporting horses to local competitions, international shows, or veterinary appointments, the right vehicle is essential. However, purchasing a well-equipped horsetruck can be financially demanding. That’s where horsetruck finance in Belgium can offer a flexible, structured solution. Please note, borrowing money also costs money.

At STX Finance, a recognised financial institution, we help clients explore regulated credit products, such as horsetruck finance in Belgium, that suit their needs — always with full transparency and in line with Belgian consumer credit legislation.

Why Opt for Horsetruck Finance in Belgium?

Horsetrucks are specifically designed with both equine welfare and rider convenience in mind. Features may include:

Temperature-regulated interiors
Maintaining a stable climate inside the horsetruck is crucial for reducing stress and preventing overheating or chills during transport, especially over long distances or in extreme weather conditions.

Rubberised non-slip flooring
Designed to provide secure footing for horses, this flooring reduces the risk of slipping or injury during loading, unloading, or sudden movements on the road. It’s also easier to clean and more durable under heavy use.

Adjustable partitions for safety
These allow you to create custom spaces based on the size and number of horses being transported. Proper partitioning helps to keep animals secure, reduces the risk of falls, and prevents contact injuries between horses.

Internal cameras for monitoring in transit
Onboard surveillance systems let you monitor your horses in real-time from the driver’s cabin. This enhances peace of mind and allows you to react quickly if a horse becomes agitated or unwell during transport.

Separate living quarters and tack rooms
Built-in living areas and dedicated storage compartments provide convenience for riders and grooms, making overnight trips or long event days far more manageable. You’ll have space for tack, feed, and personal equipment — all securely stowed.

These features are not optional luxuries — they’re fundamental to ensuring safe, comfortable, and legal transport for your horses. Carefully considering your options for horsetruck finance in Belgium allows you to invest in the right vehicle now, while spreading repayments over a timeframe that suits your income and cash flow. This can be particularly useful for riders with seasonal income or stables managing multiple operational costs.

How Leasing Works

An operational lease allows you to use a vehicle over an agreed period while making fixed monthly payments. Throughout the lease term, the vehicle remains the property of the leasing provider. At the end of the agreement, you may have a number of options to choose from, such as returning it, or upgrading to a new one, depending on the terms of your contract. Monthly payments are fixed for the duration of the lease, offering predictability and control over your budgeting. Lease terms are tailored to each client’s situation, with clear conditions defined in advance.

Why Choose STX Finance?

STX Finance works closely with professional riders, breeders, transport companies, and stable owners to ensure the leasing agreement reflects their operational needs, clearly outlining responsibilities such as servicing, insurance, and end-of-lease options. Whether you’re based in Belgium or travelling across Europe, our goal is to make the experience seamless and tailored to how equestrian professionals actually work.

When it comes to choosing horsetruck finance in Belgium, it’s about more than just a vehicle, it’s a mobile part of your stable. It keeps your horses safe, your schedule on track, and your business moving. With STX Finance, you get the flexibility and structure of a leasing solution designed around your world, backed by a company that understands it from the inside out.

Motorhome Leasing in Belgium: Understanding Financial Leasing Regulations Please note, borrowing money also costs money.

For many in Belgium — from retirees planning a mobile lifestyle to digital nomads and travel-based entrepreneurs — a motorhome offers freedom, comfort, and flexibility. But purchasing one outright can be costly. That’s why motorhome leasing in Belgium has become a popular option for those who want long-term use of a motorhome without the upfront financial burden of full ownership.

At STX Finance, a recognised financial institution, we help clients explore their options for motorhome leasing in Belgium, ensuring they understand the legal, financial, and practical implications of leasing versus borrowing.

What is Operational Leasing

Operational leasing is a legally recognised structure in Belgium that allows you to use a vehicle, such as a motorhome, over a fixed period while making monthly payments. Under this model, the vehicle remains the property of the leasing company for the entire duration of the lease. Clients enjoy full use of the vehicle without the administrative or financial responsibilities of ownership.

This approach is especially appealing for individuals or businesses seeking predictable costs, simplified fleet management, and the ability to regularly upgrade to newer models. At the end of the lease term, you may have a variety of options to choose from, depending on the terms of your agreement.

Choosing the Right Motorhome for Your Needs

Leasing a motorhome isn’t just about finances — it’s also about choosing the right vehicle to fit your travel habits, technical comfort, and resale potential. Consider the following:

Size and layout
Whether you’re a solo traveller or a couple, the motorhome’s floorplan should match how you plan to use it. Full kitchens, retractable beds, and dedicated workspace areas are all key for long-term living or work on the road.

Energy and utility systems
Look for models with reliable battery setups, solar panels, and water storage systems, especially if you plan to go off-grid. Leasing gives you access to newer, better-equipped models without committing to permanent ownership.

Seasonal usability
If you plan to travel year-round, ensure the motorhome is insulated and fitted for winter use, with efficient heating and water systems. Some vehicles also come with all-season tyres and upgraded suspension for varied road conditions.

Mileage limits and wear
Lease agreements often include mileage caps or conditions on wear and tear. Make sure these terms are compatible with your travel plans, especially if you intend to drive cross-border or use the motorhome frequently.

Resale and buyout flexibility
At the end of the lease, you may want to purchase the vehicle or switch to a newer model. Consider the long-term depreciation and how the vehicle’s condition might affect its value. STX Finance helps ensure you understand these options from day one.

The STX Finance Approach to Motorhome Leasing in Belgium

From the moment you apply to the day you collect your motorhome, the entire process is handled in-house by our team at STX Finance, with clear documentation, transparent terms, and a structure built specifically for private and professional travellers.

Whether you’re planning a part-time travel lifestyle, transitioning to full-time van life, or running a mobile business, we offer leasing agreements designed to support your goals. Our team is here to guide you through every step — from document submission and contract setup to vehicle delivery and end-of-lease options.

Motorhome leasing in Belgium through STX Finance provides a practical alternative to ownership, with predictable monthly costs and the freedom to explore Europe on your terms. With a legally compliant structure, straightforward process, and full service from a single provider, you can set off with confidence — knowing your journey starts with the right foundation.

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.

Why Leasing a Second-Hand Horsetruck from Stephex is a Smart, Affordable Choice

Finding the perfect balance between quality and affordability in horse transport is easier with Stephex. Our second-hand Horsetrucks offer the same luxury, durability, and performance as new models, but at a more affordable price. With immediate availability and flexible financing, you can enjoy premium features without the cost. Keep reading to discover how Stephex makes owning a high-end Horsetruck more accessible.

High-Quality Vehicles, Lower Prices

When you choose a second-hand horsetruck from Stephex, you’re getting premium quality at a significantly reduced price. Our trucks are built to last, and even after years of use. They maintain the luxury, durability, and performance that Stephex is known for. With our second-hand range, you can enjoy all the advantages of our Horsetrucks, but without the brand-new price tag. This makes owning a high-end vehicle far more accessible for equestrians on a budget.

Immediate Availability

Unlike waiting for a new custom-built truck, our second-hand models are ready for you to drive away. With no long manufacturing or delivery times, you can have your new-to-you truck on the road almost immediately. This not only saves you time but also allows you to get the reliable transport you need for your horses, quickly and affordably.

View Available Horsetrucks

Professionally Inspected

When you lease second-hand, quality can be a concern. This is not the case if you buy with Stephex. Every truck we sell goes through a comprehensive, professional inspection by our Service Team. We assess everything, from the engine’s performance to the condition of the horse cabin, ensuring that every aspect meets our standards. When you drive away, you can trust that your truck is as reliable as a new one, just more budget-friendly.

Flexible Financing to Suit Your Budget

We know that buying a Horsetruck is a significant investment, and even with second-hand options, affordability matters. That’s why we offer flexible financing solutions designed to make leasing a truck more accessible. Our team will work with you to find a payment plan that fits your budget, so you can secure the vehicle you need without straining your finances.

Why Stephex is the Trusted Source for Second-Hand Horsetrucks

Stephex Horsetrucks has earned a reputation for excellence in horse transport vehicles, and that extends to our second-hand selection. We bring the same level of care and expertise to our pre-owned trucks as we do to our brand-new models. By choosing Stephex, you’re partnering with a company that understands the specific needs of equestrians.

Explore our stock today and discover how STX Finance can offer you the perfect balance of affordability, quality, and trust.

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

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