CITO
Jaarrekening 2024
microschema, neergelegd op 16-10-2025, 77 dagen te laat€ 147.059
▲ 21,9%
€ 62.725
▼ 10,7%
€ 142.786
▲ 22,4%
€ 122.044
▲ 23,9%
89,5%
▲ 0,7 procentpunt
6,00
▲ 1,30
Omzet en EBIT-marge zijn niet gepubliceerd. In het microschema zijn ze niet verplicht. De getoonde omzet is een schatting uit de brutomarge.
Omzet ≈ € 250.000. Geschat: waarschijnlijk tussen € 210.000 en € 300.000.
Geldstromen
geen detail voor 2024Balans
balanstotaal € 526.239 op 31-12-2024Wat de onderneming bezitHoe dat betaald is
in euro
in euro
Positie in de sector
89,5%
Hoger dan 88% van 37.582 ondernemingen in 2024.
6,00
Hoger dan 81% van 36.335 ondernemingen in 2024.
8,0%
Hoger dan 40% van 36.821 ondernemingen in 2024.
CITO
Middelste helft van de sector
80% van de sector
Microschema's in de sector hoofdkantoren en managementadvies (NACE 70)
Nettoresultaat: middelste helft · Eigen vermogen: hoogste kwart · Balanstotaal: hoogste kwart · Werkkapitaal: hoogste kwart
Neergelegde jaarrekeningen
zoals ingediend bij de Nationale Bank, klik op een jaar om het te kiezen| Post | Verloop | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2007 | 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Balans: activa | |||||||||||||||||||
20/58 |
526.239 | 503.537 | 482.996 | 485.261 | 502.848 | 488.215 | 484.482 | 494.247 | 556.399 | 566.783 | 573.921 | 595.867 | 655.711 | 657.554 | 864.804 | 634.692 | 270.993 | 245.939 | |
21/28 |
195.515 | 238.371 | 222.792 | 256.343 | 247.696 | 256.495 | 291.535 | 325.884 | 367.956 | 419.223 | 466.088 | 489.498 | 534.575 | 538.747 | 570.316 | 572.867 | 35.690 | 36.466 | |
22/27 |
195.515 | 238.371 | 222.792 | 256.343 | 247.696 | 256.495 | 291.535 | 325.884 | 367.956 | 419.223 | 466.088 | 489.498 | 534.575 | 538.747 | 570.316 | 572.867 | 35.690 | 36.466 | |
22 |
105.648 | 154.940 | 187.801 | 220.662 | 225.430 | 255.730 | 288.901 | 322.593 | 356.285 | 389.976 | 424.189 | 458.402 | 492.615 | 525.192 | 558.227 | 555.656 | - | - | |
23 |
48.979 | 34.040 | 32.251 | 35.680 | 22.267 | 765 | 1.644 | 1.312 | 753 | 811 | 831 | 644 | 1.613 | 649 | 250 | 1.151 | 1.602 | 317 | |
24 |
40.889 | 49.392 | 2.740 | - | - | - | 990 | 1.980 | 10.918 | 28.435 | 41.068 | 30.452 | 40.347 | 12.906 | 11.839 | 16.060 | 34.088 | 36.149 | |
29/58 |
330.724 | 265.166 | 260.204 | 228.918 | 255.152 | 231.720 | 192.948 | 168.363 | 188.443 | 147.560 | 107.833 | 106.369 | 121.136 | 118.807 | 294.488 | 61.825 | 235.303 | 209.473 | |
29 |
115.000 | 115.000 | 115.000 | 125.000 | 125.000 | 75.000 | 75.000 | - | - | - | - | - | - | - | - | - | - | - | |
291 |
115.000 | 115.000 | 115.000 | 125.000 | 125.000 | 75.000 | 75.000 | - | - | - | - | - | - | - | - | - | - | - | |
40/41 |
73.218 | 67.863 | 50.467 | 74.911 | 88.359 | 97.975 | 55.133 | 95.723 | 136.408 | 68.487 | 60.663 | 37.026 | 65.398 | 51.354 | 61.963 | 33.476 | 34.151 | 11.846 | |
40 |
69.023 | 64.525 | 47.481 | 68.482 | 47.277 | 64.445 | 38.041 | 19.087 | 50.288 | 46.184 | 46.535 | 19.328 | 39.476 | 35.690 | 53.963 | 21.729 | 29.161 | 11.846 | |
41 |
4.195 | 3.338 | 2.986 | 6.430 | 41.082 | 33.530 | 17.092 | 76.637 | 86.120 | 22.303 | 14.127 | 17.697 | 25.922 | 15.664 | 8.000 | 11.747 | 4.990 | - | |
50/53 |
123.907 | 75.434 | 64.848 | 12.575 | 28.173 | 41.798 | 23.687 | 44.043 | 35.089 | 52.591 | 35.677 | 31.808 | 24.799 | 63.620 | 229.528 | - | 170.000 | 170.679 | |
54/58 |
18.599 | 6.870 | 29.889 | 16.431 | 13.620 | 16.947 | 39.128 | 28.596 | 16.946 | 26.482 | 11.493 | 36.178 | 30.939 | 3.833 | 2.997 | 28.349 | 31.152 | 26.948 | |
490/1 |
- | - | - | - | - | - | - | - | - | - | - | 1.357 | - | - | - | - | - | - | |
| Balans: passiva | |||||||||||||||||||
10/49 |
526.239 | 503.537 | 482.996 | 485.261 | 502.848 | 488.215 | 484.482 | 494.247 | 556.399 | 566.783 | 573.921 | 595.867 | 655.711 | 657.554 | 864.804 | 634.692 | 270.993 | 245.939 | |
10/15 |
471.144 | 447.161 | 410.024 | 376.670 | 333.966 | 295.035 | 270.838 | 240.698 | 241.414 | 243.228 | 222.749 | 221.583 | 219.811 | 239.149 | 204.510 | 201.020 | 233.140 | 221.442 | |
10/11 |
6.197 | 6.197 | 6.197 | 6.197 | - | 6.197 | 6.197 | 6.197 | 6.197 | 6.197 | 6.197 | 6.197 | 6.197 | 6.197 | 6.198 | 6.197 | 6.197 | 6.198 | |
100 |
- | - | - | - | - | 18.592 | 18.592 | 18.592 | 18.592 | 18.592 | 18.592 | 18.592 | 18.592 | 18.592 | 18.593 | 18.592 | 18.592 | 18.593 | |
101 |
- | - | - | - | - | 12.395 | 12.395 | 12.395 | 12.395 | 12.395 | 12.395 | 12.395 | 12.395 | 12.395 | 12.395 | 12.395 | 12.395 | 12.395 | |
11 |
6.197 | 6.197 | 6.197 | 6.197 | 6.197 | - | - | - | - | - | - | - | - | - | - | - | - | - | |
1100/10 |
- | - | - | - | 6.197 | - | - | - | - | - | - | - | - | - | - | - | - | - | |
1109/19 |
6.197 | 6.197 | 6.197 | 6.197 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
13 |
364.359 | 340.737 | 303.737 | 270.737 | 235.737 | 200.737 | 182.737 | 155.237 | 155.237 | 155.237 | 155.237 | 155.237 | 155.237 | 155.237 | 155.237 | 155.237 | 160.610 | 160.609 | |
130/1 |
- | 1.859 | 1.859 | 1.859 | 1.859 | - | - | - | - | - | - | - | - | - | - | - | - | - | |
130 |
- | - | - | - | - | 1.859 | 1.859 | 1.859 | 1.859 | 1.859 | 1.859 | 1.859 | 1.860 | 1.859 | 1.859 | 1.859 | 1.860 | 1.859 | |
1311 |
- | 1.859 | 1.859 | 1.859 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
1319 |
- | - | - | - | 1.859 | - | - | - | - | - | - | - | - | - | - | - | - | - | |
132 |
- | 25.878 | 25.878 | 25.878 | 25.878 | 25.878 | 25.878 | 13.378 | 13.378 | 13.378 | 13.378 | 13.378 | 13.377 | 13.378 | 13.378 | 13.378 | 18.750 | 18.750 | |
133 |
364.359 | 313.000 | 276.000 | 243.000 | 208.000 | 173.000 | 155.000 | 140.000 | 140.000 | 140.000 | 140.000 | 140.000 | 140.000 | 140.000 | 140.000 | 140.000 | 140.000 | 140.000 | |
14 |
100.588 | 100.227 | 100.089 | 99.735 | 92.032 | 88.101 | 81.903 | 79.264 | 79.980 | 81.793 | 61.314 | 60.149 | 58.377 | 77.715 | 43.075 | 39.586 | 66.333 | 54.635 | |
17/49 |
55.095 | 56.376 | 72.972 | 108.591 | 168.882 | 193.180 | 213.645 | 253.549 | 314.985 | 323.555 | 351.173 | 374.284 | 435.900 | 418.405 | 660.294 | 433.672 | 37.853 | 24.497 | |
17 |
- | - | - | 18.531 | 62.324 | 105.174 | 147.100 | 188.124 | 227.399 | 267.538 | 308.619 | 334.662 | 359.514 | 383.230 | 405.860 | - | - | - | |
170/4 |
- | - | - | 18.531 | 62.324 | 105.174 | 147.100 | 188.124 | 227.399 | 267.538 | 308.619 | 334.662 | 359.514 | 383.230 | 405.860 | - | - | - | |
42/48 |
55.095 | 56.376 | 72.972 | 90.060 | 106.557 | 88.006 | 66.544 | 65.425 | 87.587 | 56.017 | 42.554 | 39.622 | 76.386 | 35.175 | 254.434 | 433.672 | 37.853 | 24.497 | |
42 |
- | - | 18.531 | 43.793 | 42.850 | 41.927 | 41.023 | 40.393 | 39.293 | 44.684 | 26.044 | 24.852 | 23.715 | 22.630 | 21.595 | - | - | - | |
43 |
74 | - | - | 305 | - | - | - | - | - | 25 | 915 | - | - | - | - | - | - | - | |
430/8 |
74 | - | - | 305 | - | - | - | - | - | 25 | 915 | - | - | - | - | - | - | - | |
44 |
2.996 | 6.100 | 25.700 | 33.579 | 27.343 | 23.822 | 12.419 | 14.703 | 11.087 | 7.495 | 6.158 | 8.209 | 6.561 | 3.914 | 9.815 | 34.705 | 13.331 | 2.558 | |
440/4 |
2.996 | 6.100 | 25.700 | 33.579 | 27.343 | 23.822 | 12.419 | 14.703 | 11.087 | 7.495 | 6.158 | 8.209 | 6.561 | 3.914 | 9.815 | 34.705 | 13.331 | 2.558 | |
45 |
34.025 | 35.277 | 28.317 | 12.383 | 32.950 | 22.258 | 13.102 | 10.329 | 37.206 | 3.813 | 9.438 | 6.561 | 16.110 | 8.631 | 17.253 | - | 2.370 | 7.100 | |
450/3 |
34.025 | 35.277 | 28.317 | 8.654 | 32.950 | 22.258 | 13.102 | 10.329 | 37.206 | 3.813 | 9.438 | 6.561 | 16.110 | 8.631 | 5.056 | - | 10 | 7.100 | |
454/9 |
- | - | - | 3.729 | - | - | - | - | - | - | - | - | - | - | 12.197 | - | 2.360 | - | |
47/48 |
18.000 | 15.000 | 423 | - | 3.415 | - | - | - | - | - | - | - | 30.000 | - | 205.771 | 398.967 | 22.152 | 14.839 | |
| Resultatenrekening | |||||||||||||||||||
70 |
- | - | - | - | - | - | - | - | - | - | - | 194.987 | 186.228 | 193.911 | 179.593 | 291.651 | 168.255 | 214.025 | |
76A |
- | 10.984 | - | - | - | - | 8.335 | - | - | - | - | 1.573 | 4.163 | - | - | - | - | - | |
9900 |
147.059 | 120.679 | 96.532 | 101.999 | 91.580 | 77.656 | 69.010 | 57.127 | 63.830 | 94.762 | 87.203 | 70.683 | 85.508 | 101.676 | 71.305 | 105.409 | 26.573 | 38.010 | |
60/61 |
- | - | - | - | - | - | - | - | - | - | - | 130.626 | 112.045 | 118.170 | 108.514 | 190.256 | 141.682 | 180.421 | |
630 |
80.061 | 46.374 | 41.495 | 40.147 | 34.776 | 35.040 | 36.644 | 44.348 | 52.583 | 54.313 | 52.005 | 45.077 | 45.077 | 38.572 | 43.295 | 65.033 | 13.203 | 11.680 | |
640/8 |
4.273 | 4.034 | 8.491 | 3.627 | 3.428 | 3.362 | 3.611 | 5.153 | 3.336 | 1.182 | 2.842 | 2.394 | 4.741 | 2.373 | 569 | 86.473 | 651 | 536 | |
66A |
- | - | - | 2.039 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
9901 |
62.725 | 70.271 | 46.546 | 56.186 | 53.375 | 39.255 | 28.756 | 7.626 | 7.911 | 39.267 | 32.356 | 23.212 | 35.690 | 60.731 | 27.441 | -46.097 | 12.719 | 25.794 | |
75/76B |
6.785 | 3.258 | 2.988 | 3.675 | 3.541 | 4.220 | 12.515 | 4.819 | 2.605 | 1.555 | 2.045 | 2.482 | 1.850 | 3.853 | 772 | 3.459 | 6.101 | 3.666 | |
75 |
6.785 | 3.258 | 2.988 | 3.675 | 3.541 | 4.220 | 4.180 | 4.819 | 2.605 | 1.555 | 2.045 | 2.482 | 1.850 | 3.853 | 772 | 3.459 | 6.101 | 3.666 | |
76B |
- | - | - | - | - | - | 8.335 | - | - | - | - | - | - | - | - | - | - | - | |
65/66B |
528 | 503 | 1.946 | 2.317 | 3.326 | 4.326 | 4.920 | 7.120 | 6.916 | 18.786 | 16.548 | 17.906 | 17.707 | 29.476 | 24.614 | 279 | 207 | 52 | |
65 |
528 | 503 | 1.946 | 2.317 | 3.326 | 4.326 | 4.920 | 7.120 | 6.916 | 18.786 | 16.548 | 17.906 | 17.707 | 29.476 | 24.614 | 279 | 207 | 52 | |
9903 |
68.982 | 73.026 | 47.588 | 57.544 | 53.589 | 39.148 | 36.351 | 5.325 | 3.601 | 22.037 | 17.854 | 9.360 | 23.996 | 35.108 | 3.599 | -42.916 | 18.613 | 29.408 | |
67/77 |
26.999 | 20.889 | 14.234 | 14.841 | 14.658 | 14.950 | 6.211 | 6.041 | 5.414 | 1.557 | 16.688 | 7.588 | 13.334 | 468 | 110 | -10.797 | 6.915 | 20.550 | |
9904 |
41.983 | 52.137 | 33.354 | 42.704 | 38.931 | 24.197 | 30.140 | -716 | -1.814 | 20.479 | 1.165 | 1.772 | 10.662 | 34.640 | 3.489 | -32.120 | 11.698 | 8.858 | |
789 |
25.878 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 5.372 | - | - | |
689 |
- | - | - | - | - | - | 12.500 | - | - | - | - | - | - | - | - | - | - | - | |
9905 |
67.861 | 52.137 | 33.354 | 42.704 | 38.931 | 24.197 | 17.640 | -716 | -1.814 | 20.479 | 1.165 | 1.772 | 10.662 | 34.640 | 3.489 | -26.747 | 11.698 | 8.858 | |
| Resultaatverwerking | |||||||||||||||||||
9906 |
168.088 | 152.227 | 133.089 | 134.735 | 127.032 | 106.101 | 96.903 | 79.264 | 79.980 | 81.793 | 61.314 | 60.149 | 88.377 | 77.715 | 43.075 | 39.586 | 66.333 | 54.635 | |
14P |
100.227 | 100.089 | 99.735 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
791/2 |
18.000 | 15.000 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
691/2 |
67.500 | 52.000 | 33.000 | 35.000 | 35.000 | 18.000 | 15.000 | - | - | - | - | - | - | - | - | - | - | - | |
6921 |
67.500 | 52.000 | 33.000 | 35.000 | 35.000 | 18.000 | 15.000 | - | - | - | - | - | - | - | - | - | - | - | |
694/7 |
18.000 | 15.000 | - | - | - | - | - | - | - | - | - | - | 30.000 | - | - | - | - | - | |
694 |
18.000 | 15.000 | - | - | - | - | - | - | - | - | - | - | 30.000 | - | - | - | - | - | |
| Document | |||||||||||||||||||
De jaarrekeningen van 6 oudere boekjaren (2000-2005) zijn neergelegd als document zonder cijfergegevens, bijvoorbeeld als scan.
De toelichting bij deze jaarrekening telt 6 rubrieken, onder meer de staat van de activa en schulden, de uitsplitsing van de kosten en de rechten en verplichtingen. U vindt ze in de neergelegde jaarrekening (PDF).
Bron: Jaarrekening 2024 (PDF), neergelegd op 16-10-2025.
Neerleggingen
elke stip is een jaarrekening, op de dag dat ze bij de Nationale Bank binnenkwamJaarrekening 2024 neergelegd, 77 dagen na de termijn. De jaarrekening werd neergelegd op 16 oktober 2025. De termijn liep af op 31 juli 2025, 7 maanden na de afsluiting op 31 december 2024 (artikel 3:10 WVV). Bron: NBB, 2025-00543758.
| Boekjaar | Type | Neerlegging | Referentie | Document |
|---|---|---|---|---|
| 31-12-2024 | microschema | 16-10-2025 | 2025-00543758 | |
| 30-06-2023 | microschema | 31-01-2024 | 2024-00020226 | |
| 30-06-2022 | microschema | 24-02-2023 | 2023-00030849 | |
| 30-06-2021 | microschema | 08-02-2022 | 2022-05100056 | |
| 30-06-2020 | microschema | 31-01-2021 | 2021-03300019 | |
| 30-06-2019 | microschema | 31-01-2020 | 2020-03000599 | |
| 30-06-2018 | verkort schema | 10-03-2019 | 2019-06700343 | |
| 30-06-2017 | verkort schema | 29-05-2018 | 2018-15300157 | |
| 30-06-2016 | verkort schema | 01-02-2017 | 2017-03900597 | |
| 30-06-2015 | verkort schema | 09-02-2016 | 2016-04200438 | |
| 30-06-2014 | verkort schema | 31-01-2015 | 2015-03400461 | |
| 30-06-2013 | verkort schema | 10-03-2014 | 2014-06000377 | |
| 30-06-2012 | verkort schema | 05-03-2013 | 2013-05500334 | |
| 30-06-2011 | verkort schema | 01-02-2012 | 2012-02100203 | |
| 30-06-2010 | verkort schema | 25-01-2011 | 2011-01300020 | |
| 30-06-2009 | verkort schema | 28-01-2010 | 2010-02500182 | |
| 31-12-2007 | verkort schema | 29-07-2008 | 2008-48700346 | |
| 31-12-2006 | verkort schema | 20-07-2007 | 2007-44100368 | |
| 31-12-2005 | verkort schema | 24-07-2006 | 2006-51303645 | |
| 31-12-2004 | verkort schema | 03-08-2005 | 2005-62603007 | |
| 31-12-2003 | verkort schema | 06-09-2004 | 2004-63102269 | |
| 31-12-2002 | verkort schema | 25-08-2003 | 2003-63300031 | |
| 31-12-2001 | verkort schema | 22-07-2002 | 2002-40400525 | |
| 31-12-2000 | verkort schema | 11-07-2001 | 2001-36600259 |
Kerncijfers en ratio's
per boekjaar, berekend uit de jaarrekening| Post | Verloop | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2007 | 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 142.786 | 116.645 | 88.041 | 96.333 | 88.151 | 74.294 | 65.399 | 51.974 | 60.495 | 93.580 | 84.362 | 68.289 | 80.767 | 99.303 | 70.736 | 18.936 | 25.922 | 37.474 | ||
| 122.044 | 98.511 | 74.848 | 82.851 | 73.708 | 59.237 | 66.783 | 43.632 | 50.769 | 74.792 | 53.171 | 46.849 | 55.739 | 73.212 | 46.784 | 32.913 | 24.901 | 20.538 | ||
| 37.205 | 61.953 | 7.944 | 48.794 | 25.978 | 0 | 2.294 | 2.276 | 2.127 | 7.448 | 28.595 | 0 | 48.869 | 7.942 | 57.068 | 662.519 | 12.427 | 15.202 | ||
| 11.730 | -23.019 | 13.458 | 2.812 | -3.327 | -22.181 | 10.532 | 11.650 | -9.536 | 14.988 | -24.684 | 5.239 | 27.106 | 836 | -25.352 | - | 4.204 | - | ||
| 275.629 | 208.790 | 187.232 | 138.858 | 148.594 | 143.714 | 126.403 | 102.938 | 100.857 | 91.543 | 65.279 | 66.747 | 44.750 | 83.632 | 40.054 | -371.847 | 197.450 | 184.976 | ||
| - | - | - | - | - | - | - | - | - | - | - | 11,9% | 19,2% | 31,3% | 15,3% | -15,8% | 7,6% | 12,1% | ||
| 89,5% | 88,8% | 84,9% | 77,6% | 66,4% | 60,4% | 55,9% | 48,7% | 43,4% | 42,9% | 38,8% | 37,2% | 33,5% | 36,4% | 23,6% | 31,7% | 86,0% | 90,0% | ||
| 6,00 | 4,70 | 3,57 | 2,54 | 2,39 | 2,63 | 2,90 | 2,57 | 2,15 | 2,63 | 2,53 | 2,68 | 1,59 | 3,38 | 1,16 | 0,14 | 6,22 | 8,55 | ||
| 0,12 | 0,13 | 0,18 | 0,29 | 0,51 | 0,65 | 0,79 | 1,05 | 1,30 | 1,33 | 1,58 | 1,69 | 1,98 | 1,75 | 3,23 | 2,16 | 0,16 | 0,11 | ||
| 8,9% | 11,7% | 8,1% | 11,3% | 11,7% | 8,2% | 11,1% | -0,3% | -0,8% | 8,4% | 0,5% | 0,8% | 4,9% | 14,5% | 1,7% | -16,0% | 5,0% | 4,0% | ||
| 8,0% | 10,4% | 6,9% | 8,8% | 7,7% | 5,0% | 6,2% | -0,1% | -0,3% | 3,6% | 0,2% | 0,3% | 1,6% | 5,3% | 0,4% | -5,1% | 4,3% | 3,6% | ||
| meer dan 100 | meer dan 100 | 45,24 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | ||
| - | - | - | - | - | - | - | - | - | - | - | 36 dagen | 77 dagen | 67 dagen | 110 dagen | 27 dagen | 63 dagen | 20 dagen | ||
| - | - | - | - | - | - | - | - | - | - | - | 23 dagen | 21 dagen | 12 dagen | 33 dagen | 67 dagen | 34 dagen | 5 dagen |
Een Belgische jaarrekening bevat geen kasstroomtabel. De kasstroom is daarom een benadering, afgeleid uit de resultatenrekening. De investeringen zijn de aanschaffingen uit de toelichting, en waar die ontbreken de beweging van de balans.
Investeringen
aanschaffingen van vaste activa| Post | 2024 | 30-06-2023 | 30-06-2022 |
|---|---|---|---|
| Materiële vaste activa | € 37.205 | € 61.953 | € 7.944 |
| € 80.061 | € 46.374 | € 41.495 |
Bron: toelichting bij de jaarrekeningen 2022 tot 2024 (staat van de vaste activa)
Inzichten over CITO
Het bedrijfsresultaat van 2024 is 11% lager dan in 2023.
Het aandeel van de schulden in het balanstotaal zakt van 11,2% naar 10,5%. Het eigen vermogen is hoger en de schuld is lager.