---
title: "ReferenceRateTable – API-Referenz · Quittio"
description: "The reference rate of the late payment law of 2 August 2002: the main refinancing rate of the ECB on the first day of the half-year, which with the 8 points of the law gives the published rate rounded up to the next half point. The table holds the rates the points are added to, so that the sum is the rate published by the FPS Finance (e.g. 2.50 + 8 = 10.50 % for 2026)."
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---

> Index of every page on this site: [llms.txt](https://quittio.dev/llms.txt)

[API reference](https://quittio.dev/docs/api) / [Quittio](https://quittio.dev/docs/api/Quittio) \\ [Country](https://quittio.dev/docs/api/Quittio/Country) \\ [BE](https://quittio.dev/docs/api/Quittio/Country/BE) \\ [Dunning](https://quittio.dev/docs/api/Quittio/Country/BE/Dunning)

# ReferenceRateTable

final readonly class in quittio/country-be · implements [`ReferenceRates`](https://quittio.dev/docs/api/Quittio/Core/Dunning/ReferenceRates)

`Quittio\Country\BE\Dunning\ReferenceRateTable` · [Source](https://github.com/Quittio/quittio/blob/v0.7.1/packages/country-be/src/Dunning/ReferenceRateTable.php#L18)

The reference rate of the late payment law of 2 August 2002: the main refinancing rate of the ECB on the first day of the half-year, which with the 8 points of the law gives the published rate rounded up to the next half point. The table holds the rates the points are added to, so that the sum is the rate published by the FPS Finance (e.g. 2.50 + 8 = 10.50 % for 2026).

## Constants \#

| Constant | Value | Description |
| --- | --- | --- |
| `PUBLISHED` | `['2023-01-01' => '2.50', '2023-07-01' => '4.00', '2024-01-01' => '4.50', '2024-07-01' => '4.50', '2025-01-01' => '3.50', '2025-07-01' => '2.50', '2026-01-01' => …` | Rates in percent by the first day of the half-year, the published rate minus 8 points. |

## Methods \#

| Method | Description |
| --- | --- |
| `->__construct()` | |
| `->periods()` | |
| `->rateOn()` | |
| `->validUntil()` | The first day without a known rate: the half-year after the last entry. |
| `->withRate()` | A copy with the rate of a half-year, e.g. a newly published one (published rate minus 8 points). |

### `__construct()`#

```
public function __construct(array<string, string> $rates = self::PUBLISHED)
```

| Parameter | Type | Description |
| --- | --- | --- |
| `$rates` | `array<string, string>` = `self::PUBLISHED` | ISO date (1 January or 1 July) => rate in percent |

### `periods()`#

```
public function periods(Date $from, Date $until): array
```

| Parameter | Type | Description |
| --- | --- | --- |
| `$from` | `[Date](https://quittio.dev/docs/api/Quittio/Core/Support/Date)` | |
| `$until` | `[Date](https://quittio.dev/docs/api/Quittio/Core/Support/Date)` | |

<dl><dt>Returns</dt>
<dd><code>array</code></dd>
</dl>

### `rateOn()`#

```
public function rateOn(Date $date): BigDecimal
```

| Parameter | Type | Description |
| --- | --- | --- |
| `$date` | `[Date](https://quittio.dev/docs/api/Quittio/Core/Support/Date)` | |

<dl><dt>Returns</dt>
<dd><code>Brick\Math\BigDecimal</code></dd>
</dl>

### `validUntil()`#

```
public function validUntil(): Date
```

The first day without a known rate: the half-year after the last entry.

<dl><dt>Returns</dt>
<dd><code><a href="https://quittio.dev/docs/api/Quittio/Core/Support/Date">Date</a></code></dd>
</dl>

### `withRate()`#

```
public function withRate(string $from, string $rate): self
```

A copy with the rate of a half-year, e.g. a newly published one (published rate minus 8 points).

| Parameter | Type | Description |
| --- | --- | --- |
| `$from` | `string` | |
| `$rate` | `string` | |

<dl><dt>Returns</dt>
<dd><code>self</code></dd>
</dl>

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