The best leasing company for SMEs: How to choose the right partner for the mobility budget?

This overview was checked and updated in August 2026, based on the most recent Trustpilot scores and awarded prizes.

More and more companies are opting for a mobility budget. It gives employees freedom in how they get around, while employers keep better control over their mobility costs. From January 1, 2027, companies with 50 or more employees will even be required to offer a mobility budget. That's when one question quickly comes up: what is the best leasing company to manage that mobility budget?

At Mbrella, we help companies manage their mobility budget every day. That gives us a practical view of which leasing companies are a good fit for the needs of SMEs, and which are less so. Based on that experience, we've ranked the best leasing companies below, with extra attention to ease of use, flexibility, and employee satisfaction.

Our top 7 best leasing companies in brief:

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Criteria for the best leasing company: What we look at

We compiled this ranking carefully, based on a few clear criteria. These are always rooted in practice, and consider the experience of both employers and employees.

• Customer satisfaction of employer and employee. How smoothly does the collaboration run? We look at reviews, feedback, and the overall customer experience with operational leasing.
• Fit with the needs of SMEs. Is the leasing company flexible enough for smaller organizations? Think simple contracts, quick decisions, and limited administrative burden.
• Offering for employees with a mobility budget. Does the vehicle range match employee expectations? Are there enough attractive fully electric options? And does the TCO leave enough room to also use the mobility budget for other mobility options?
• Digital experience. How user-friendly are the tools and processes? A strong digital experience makes managing the mobility budget easier for everyone.

The best leasing company according to Mbrella

1. LIZY: Best leasing company for SMEs

For SMEs offering a mobility budget, LIZY emerges as the best leasing company according to Mbrella. LIZY is a Belgian scale-up that approaches operational leasing differently from classic players, and understands the challenges of Belgian SMEs like no other.

LIZY works with young, used lease cars, the majority of which are fully electric. Thoroughly inspected, fully compliant, and considerably more affordable than new cars. The lease contracts, ranging from 1 to 3 years, are also favorably priced and give employees extra flexibility within their mobility budget.

LIZY was founded in 2019 and works digital-first: quotes, contracts, and follow-up largely take place online, with a dedicated personal point of contact. That shows in customer satisfaction: on Trustpilot, LIZY scores the highest of any leasing company in Europe. The industry confirms this too: EY Belgium named LIZY "Scale-up of the Year 2025" in December 2025, Fleet Europe awarded it the Remarketing Innovation Award 2025 and the Remarketing Sustainability Award 2024, and at the Motor Finance Europe Awards 2024, LIZY won Best Sustainability Initiative of the Year.

Why do companies choose LIZY over a classic leasing company?

Classic leasing companies work almost exclusively with new cars, which keeps the TCO high. LIZY opts for thoroughly inspected used cars at a lower price, freeing up room in the mobility budget.

How much can you save with a used lease car from LIZY?

On average €150 per month compared to a similar new lease car. That amount stays within the employee's mobility budget, for example for a train subscription, bike leasing, or reimbursement of rent or mortgage payments.

How long does a lease contract with LIZY run?

From 1 to 3 years, shorter than the classic 4 to 5 years. That gives employees more freedom to reconsider their mobility choice on a regular basis.

2. The 4 "A"s: A strong choice for larger organizations

By this we mean the classic international leasing companies Ayvens, Athlon, Arval, and Alphabet. These players have a lot in common: they excel at managing large fleets, with stable processes, a wide range of new cars, and solid fleet expertise. That provides predictability and peace of mind.

For organizations with larger fleets, that's a clear advantage. Do you have a strong preference for new cars? Then these companies are an excellent choice. For SMEs, service quality is often somewhat lower, reflected in Trustpilot scores of 1.3 (Alphabet), 1.4 (Arval), 3.7 (Ayvens), and 3.8 (Athlon).

3. Belfius Lease: Trusted and financially strong

Besides specialized leasing companies, many traditional banks also offer leasing solutions. A well-known example is Belfius Lease, but KBC also fits this category. They combine leasing with the trusted service of a Belgian bank. For companies that like to keep all their financial products with a single partner, this can be a reassuring choice. The approach is stable, financially sound, and fits logically with existing banking relationships.

For SMEs with a mobility budget, bank leasing often focuses more heavily on classic lease formulas and financial structures. As a result, there is usually less room for flexibility, digital self-service, or alternative mobility choices. That makes bank leasing especially suitable for companies looking for simplicity and continuity. Want to maximize your mobility budget? Then it's slightly less the logical choice.

4. Local dealers: Personal and close by

Some companies deliberately choose a local dealer, for example because of personal contact or the ability to take a test drive. That can feel reassuring, especially with a first leasing decision.

At the same time, that choice often brings more hassle and less digital integration. Also pay close attention to whether your local dealer offers the legally required reporting tools needed for the mobility budget. This sometimes means more follow-up and more work, for both employer and employee.

How Mbrella bridges the gap between your leasing company and the mobility budget

Whichever leasing company you choose, the administrative handling of the mobility budget often remains a challenge. That's where Mbrella comes in. The leasing company takes care of the car (pillar 1); Mbrella centralizes all expenses within the mobility budget, from the lease cost to, for example, train subscriptions, shared mobility, or reimbursement of rent or mortgage payments in pillar 2. If an employee chooses a smaller, environmentally friendly car in pillar 1, more budget remains for pillar 2, giving them the best of both worlds.

Employers, in turn, get a single, centralized overview of all mobility expenses in Mbrella.

Conclusion: the best leasing company for SMEs

For SMEs offering a mobility budget, LIZY clearly emerges as the best leasing company in our view. Used lease cars, a strong focus on SMEs, a thoroughly digital approach, and recognitions such as EY's "Scale-up of the Year 2025", that combination results in more flexibility, less administration, and a better experience for employees.

That's exactly what makes the difference between a mobility budget that feels complex, and one that actually works.

Want to know how to smoothly integrate a lease car from LIZY or others into your mobility budget?

Schedule a demo with an Mbrella expert

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