CREATECHNIC
Jaarrekening 2025
microschema, neergelegd op 30-09-2026, 61 dagen te laatOmzet en EBIT-marge zijn niet gepubliceerd. In het verkort of microschema zijn ze niet verplicht. De getoonde omzet is een schatting uit de brutomarge.
Omzet ≈ € 210.000. Geschat: waarschijnlijk tussen € 150.000 en € 300.000.
Balans
balanstotaal € 225.434 op 31-12-2025in euro
Positie in de sector
69,9%
Hoger dan 75% van 35.125 ondernemingen in 2025.
3,10
Hoger dan 72% van 34.499 ondernemingen in 2025.
14,8%
Hoger dan 69% van 34.700 ondernemingen in 2025.
Nettoresultaat: hoogste kwart · Eigen vermogen: hoogste kwart · Balanstotaal: middelste helft · Werkkapitaal: hoogste kwart
Neergelegde jaarrekeningen
zoals ingediend bij de Nationale Bank, klik op een jaar om het te kiezen| Post | Verloop | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Balans: activa | ||||||||||||||||||
20/58 |
225.434 | 172.428 | 123.661 | 117.768 | 122.214 | 82.646 | 89.100 | 119.033 | 112.823 | 93.096 | 76.107 | 82.044 | 73.075 | 70.985 | 70.059 | 89.365 | 85.576 | |
20 |
- | - | - | - | - | - | - | - | - | - | - | 0 | 0 | 0 | - | - | - | |
21/28 |
14.554 | 12.559 | 17.060 | 21.763 | 22.462 | 11.446 | 3.257 | 2.701 | 8.590 | 14.601 | 21.195 | 29.052 | 33.535 | 39.442 | 42.660 | 50.107 | 25.427 | |
21 |
- | - | - | - | - | - | - | - | - | - | - | 0 | 0 | 0 | - | - | - | |
22/27 |
9.554 | 7.559 | 12.060 | 16.763 | 22.462 | 11.446 | 3.257 | 2.701 | 8.590 | 14.601 | 21.195 | 29.052 | 33.535 | 39.442 | 42.660 | 49.607 | 24.927 | |
22 |
- | - | - | - | - | - | - | - | - | - | - | 0 | 0 | 0 | - | - | - | |
23 |
7.209 | 5.214 | 8.427 | 11.339 | 14.709 | 2.927 | 1.080 | - | - | - | 408 | 2.039 | 4.050 | 4.661 | 1.992 | 2.750 | 2.987 | |
24 |
2.345 | 1.573 | 1.195 | 1.322 | 1.987 | 1.089 | 2.177 | - | 913 | 1.826 | 2.738 | 3.651 | 0 | 0 | - | - | - | |
26 |
- | 773 | 2.437 | 4.102 | 5.766 | 7.431 | - | 2.701 | 7.677 | 12.775 | 18.049 | 23.362 | 29.485 | 34.781 | 40.668 | 46.856 | 21.940 | |
27 |
- | - | - | - | - | - | - | - | - | - | - | 0 | 0 | 0 | - | - | - | |
28 |
5.000 | 5.000 | 5.000 | 5.000 | - | - | - | - | - | - | - | 0 | 0 | 0 | - | 500 | 500 | |
29/58 |
210.880 | 159.869 | 106.602 | 96.005 | 99.752 | 71.200 | 85.843 | 116.333 | 104.233 | 78.495 | 54.912 | 52.992 | 39.541 | 31.543 | 27.399 | 39.258 | 60.149 | |
290 |
- | - | - | - | - | - | - | - | - | - | - | 0 | 0 | 0 | - | - | - | |
291 |
- | - | - | - | - | - | - | - | - | - | - | 0 | 0 | 0 | - | - | - | |
3 |
- | - | - | - | - | - | - | - | - | - | - | 0 | 0 | 0 | - | - | - | |
30/36 |
- | - | - | - | - | - | - | - | - | - | - | 0 | 0 | 0 | - | - | - | |
37 |
- | - | - | - | - | - | - | - | - | - | - | 0 | 0 | 0 | - | - | - | |
40/41 |
210.880 | 158.993 | 106.561 | 96.005 | 93.533 | 71.200 | 85.843 | 110.468 | 104.233 | 78.495 | 54.912 | 27.961 | 25.555 | 29.217 | 25.614 | 35.496 | 54.471 | |
40 |
13.948 | 26.298 | 26.620 | 12.157 | 31.170 | 7.454 | 12.502 | 10.269 | 8.766 | 8.766 | 8.766 | 10.566 | 12.472 | 10.681 | 9.865 | 14.852 | 54.265 | |
41 |
196.932 | 132.695 | 79.941 | 83.848 | 62.363 | 63.746 | 73.341 | 100.199 | 95.467 | 69.729 | 46.146 | 17.394 | 13.083 | 18.535 | 15.749 | 20.644 | 206 | |
50/53 |
- | - | - | - | - | - | - | - | - | - | - | 0 | 0 | 0 | - | - | - | |
54/58 |
- | 876 | 41 | 0 | 6.219 | - | - | 5.864 | - | - | - | 0 | 0 | 0 | - | - | 5.678 | |
490/1 |
- | - | - | - | - | - | - | - | - | - | - | 25.031 | 13.986 | 2.327 | 1.785 | 3.762 | - | |
| Balans: passiva | ||||||||||||||||||
10/49 |
225.434 | 172.428 | 123.661 | 117.768 | 122.214 | 82.646 | 89.100 | 119.033 | 112.823 | 93.096 | 76.107 | 82.044 | 73.075 | 70.985 | 70.059 | 89.365 | 85.576 | |
10/15 |
157.479 | 124.164 | 87.081 | 74.988 | 60.416 | 58.381 | 55.065 | 73.335 | 70.273 | 51.272 | 36.403 | 35.888 | 31.314 | 29.291 | 29.268 | 24.523 | 24.303 | |
10/11 |
17.950 | 17.950 | 17.950 | 12.400 | 12.400 | 12.400 | 12.400 | 12.400 | 12.400 | 12.400 | 12.400 | 12.400 | 12.400 | 12.400 | 12.400 | 12.400 | 12.400 | |
100 |
- | - | - | - | - | - | 18.600 | 18.600 | 18.600 | 18.600 | 18.600 | 18.600 | 18.600 | 18.600 | 18.600 | 18.600 | 18.600 | |
101 |
- | - | - | - | - | - | 6.200 | 6.200 | 6.200 | 6.200 | 6.200 | 6.200 | 6.200 | 6.200 | 6.200 | 6.200 | 6.200 | |
11 |
- | - | - | - | - | - | - | - | - | - | - | 0 | 0 | 0 | - | - | - | |
1100/10 |
- | - | - | - | - | - | - | - | - | - | - | 0 | 0 | 0 | - | - | - | |
12 |
- | - | - | - | - | - | - | - | - | - | - | 0 | 0 | 0 | - | - | - | |
13 |
139.529 | 106.214 | 69.131 | 62.588 | 48.016 | 45.981 | 42.665 | 60.935 | 57.873 | 38.872 | 24.003 | 23.488 | 18.914 | 16.891 | 16.868 | 12.123 | 11.903 | |
130/1 |
1.860 | 1.860 | 1.860 | 1.860 | 1.860 | 1.860 | - | - | - | - | - | - | - | - | - | - | - | |
130 |
- | - | - | - | - | - | 1.860 | 1.860 | 1.860 | 1.860 | 1.860 | 1.860 | 1.860 | 1.860 | 1.860 | 1.860 | 1.860 | |
1311 |
1.860 | 1.860 | 1.860 | 1.860 | 1.860 | 1.860 | - | - | - | - | - | - | - | - | - | - | - | |
1312 |
- | - | - | - | - | - | - | - | - | - | - | 0 | 0 | 0 | - | - | - | |
1319 |
- | - | - | - | - | - | - | - | - | - | - | 0 | 0 | 0 | - | - | - | |
132 |
- | - | - | - | - | - | - | - | - | - | - | 0 | 0 | 0 | - | - | - | |
133 |
137.669 | 104.354 | 67.271 | 60.728 | 46.156 | 44.121 | 40.805 | 59.075 | 56.013 | 37.012 | 22.143 | 21.628 | 17.054 | 15.031 | 15.008 | 10.263 | 10.043 | |
14 |
- | - | - | - | - | - | - | - | - | - | - | 0 | 0 | 0 | - | - | - | |
15 |
- | - | - | - | - | - | - | - | - | - | - | 0 | 0 | 0 | - | - | - | |
19 |
- | - | - | - | - | - | - | - | - | - | - | - | 0 | 0 | - | - | - | |
16 |
- | - | - | - | - | - | - | - | - | - | - | 2.000 | 2.000 | 2.000 | - | - | - | |
160/5 |
- | - | - | - | - | - | - | - | - | - | - | 2.000 | 2.000 | 2.000 | - | - | - | |
168 |
- | - | - | - | - | - | - | - | - | - | - | 0 | 0 | 0 | - | - | - | |
17/49 |
67.955 | 48.264 | 36.580 | 42.780 | 61.798 | 24.266 | 34.035 | 45.699 | 42.550 | 41.825 | 39.704 | 44.156 | 39.762 | 39.694 | 40.791 | 64.841 | 61.273 | |
17 |
- | - | - | - | - | - | - | - | - | - | - | - | 3.632 | 11.677 | 14.263 | 19.968 | - | |
170/4 |
- | - | - | - | - | - | - | - | - | - | - | - | 3.632 | 11.677 | 14.263 | 19.968 | - | |
175 |
- | - | - | - | - | - | - | - | - | - | - | 0 | 0 | 0 | - | - | - | |
176 |
- | - | - | - | - | - | - | - | - | - | - | 0 | 0 | 0 | - | - | - | |
178/9 |
- | - | - | - | - | - | - | - | - | - | - | 0 | 0 | 0 | - | - | - | |
42/48 |
67.955 | 48.264 | 36.411 | 42.780 | 61.798 | 24.266 | 34.035 | 45.699 | 42.550 | 41.825 | 39.704 | 44.156 | 36.129 | 28.017 | 26.528 | 44.874 | 59.473 | |
42 |
- | - | - | - | - | - | - | - | - | - | - | 3.632 | 8.044 | 8.044 | 5.705 | 5.705 | - | |
43 |
8.617 | - | 0 | 6.562 | 0 | 7.661 | 7.283 | - | 1.451 | 6.964 | 5.480 | 9.319 | 9.757 | 9.518 | 8.983 | 9.745 | - | |
430/8 |
8.617 | - | 0 | 6.562 | 0 | 7.661 | 7.283 | - | 1.451 | 6.964 | 5.480 | 9.319 | 9.757 | 9.518 | 8.983 | 9.745 | - | |
439 |
- | - | - | - | - | - | - | - | - | - | - | 0 | 0 | 0 | - | - | - | |
44 |
- | 3.944 | 4.385 | 2.668 | 28.692 | 4.635 | 7.936 | 17.090 | 5.156 | 11.293 | 22.539 | 23.081 | 13.501 | 4.522 | 5.062 | 14.402 | 35.645 | |
440/4 |
- | 3.944 | 4.385 | 2.668 | 28.692 | 4.635 | 7.936 | 17.090 | 5.156 | 11.293 | 22.539 | 23.081 | 13.501 | 4.522 | 5.062 | 14.402 | 35.645 | |
441 |
- | - | - | - | - | - | - | - | - | - | - | 0 | 0 | 0 | - | - | - | |
46 |
- | - | - | - | - | - | - | - | - | - | - | 0 | 0 | 0 | - | - | 16.770 | |
45 |
57.529 | 42.571 | 32.026 | 33.550 | 33.106 | 11.970 | 18.816 | 28.609 | 35.944 | 23.568 | 11.685 | 6.550 | 4.828 | 5.933 | 6.778 | 11.196 | 7.058 | |
450/3 |
57.529 | 42.571 | 32.026 | 33.550 | 33.106 | 11.970 | 18.816 | 28.609 | 35.944 | 23.568 | 11.685 | 6.550 | 4.828 | 5.933 | 6.778 | 11.196 | 7.058 | |
454/9 |
- | - | - | - | - | - | - | - | - | - | - | 0 | 0 | 0 | - | - | - | |
47/48 |
1.809 | 1.749 | - | - | - | - | - | - | - | - | - | 1.574 | 0 | 0 | - | 3.825 | - | |
492/3 |
- | 0 | 169 | - | - | - | - | - | - | - | - | 0 | 0 | 0 | - | - | 1.800 | |
| Resultatenrekening | ||||||||||||||||||
70 |
- | - | - | - | - | - | - | - | - | - | - | 0 | 0 | 0 | - | - | - | |
76A |
- | - | - | - | - | - | - | - | - | - | - | 0 | 0 | 0 | 73 | 2.500 | - | |
9900 |
52.308 | 61.335 | 20.151 | 28.134 | 8.840 | 2.901 | -10.976 | 16.372 | 33.873 | 49.978 | 38.225 | 46.458 | 45.495 | 38.198 | 16.560 | 15.356 | 21.466 | |
60/61 |
- | - | - | - | - | - | - | - | - | - | - | 0 | 0 | 0 | - | - | - | |
62 |
- | - | - | - | - | - | - | - | - | - | - | 0 | 0 | 0 | - | - | - | |
630 |
5.427 | 6.141 | 5.884 | 5.699 | 3.269 | 2.252 | 4.059 | 5.889 | 6.011 | 6.594 | 7.858 | 9.047 | 9.439 | 9.573 | 7.870 | 7.588 | 3.291 | |
631/4 |
- | - | - | - | - | - | - | - | - | - | - | 0 | 0 | 0 | - | - | - | |
635/8 |
- | - | - | - | - | - | - | - | - | - | -2.000 | 0 | 0 | 2.000 | - | - | - | |
640/8 |
2.448 | 5.062 | 3.163 | 6.293 | 3.593 | 2.174 | 5.701 | 3.920 | 3.830 | 5.754 | 3.072 | 3.135 | 4.520 | 9.722 | 795 | 1.787 | 758 | |
649 |
- | - | - | - | - | - | - | - | - | - | - | 0 | 0 | 0 | - | - | - | |
66A |
- | - | - | 0 | 1.089 | - | - | - | - | 14.720 | 24.000 | 0 | 0 | 0 | 50 | - | - | |
9901 |
44.433 | 50.131 | 11.104 | 16.142 | 889 | -1.525 | -20.736 | 6.563 | 24.031 | 37.630 | 29.295 | 34.277 | 31.537 | 16.903 | 7.895 | 5.980 | 17.417 | |
75/76B |
9.893 | 5.866 | 5.212 | 8.429 | 4.010 | 7.135 | 7.275 | 8.703 | 7.716 | 3.777 | - | 0 | 530 | 586 | 670 | 563 | 28 | |
75 |
9.893 | 5.866 | 5.212 | 5.179 | 4.010 | 7.135 | 7.275 | 8.703 | 7.716 | 3.777 | - | 0 | 530 | 586 | 670 | 563 | 28 | |
76B |
- | - | 0 | 3.250 | - | - | - | - | - | - | - | - | - | - | - | - | - | |
65/66B |
3.956 | 4.804 | 5.090 | 2.468 | 1.955 | 2.090 | 4.594 | 2.064 | 2.177 | 16.992 | 1.900 | 1.713 | 3.244 | 3.716 | 3.843 | 4.322 | 325 | |
65 |
3.956 | 4.804 | 5.090 | 2.468 | 1.955 | 2.090 | 4.594 | 2.064 | 2.177 | 2.272 | 1.900 | 1.713 | 3.244 | 3.716 | 3.843 | 4.322 | 325 | |
66B |
- | - | - | - | - | - | - | - | - | 14.720 | - | - | - | - | - | - | - | |
9903 |
50.370 | 51.194 | 11.225 | 22.103 | 2.944 | 3.519 | -18.056 | 13.202 | 29.570 | 24.415 | 3.395 | 32.564 | 28.823 | 13.773 | 4.745 | 4.721 | 17.120 | |
67/77 |
17.055 | 14.110 | 4.683 | 7.531 | 909 | 204 | 214 | 10.140 | 10.569 | 9.547 | 2.880 | 3.991 | 2.800 | 1.750 | - | - | 5.217 | |
9904 |
33.315 | 37.083 | 6.543 | 14.572 | 2.036 | 3.315 | -18.269 | 3.062 | 19.001 | 14.869 | 515 | 28.574 | 26.023 | 12.023 | 4.745 | 4.721 | 11.903 | |
789 |
- | - | - | - | - | - | - | - | - | - | - | 0 | 0 | 0 | - | - | - | |
689 |
- | - | - | - | - | - | - | - | - | - | - | 0 | 0 | 0 | - | - | - | |
9905 |
33.315 | 37.083 | 6.543 | 14.572 | 2.036 | 3.315 | -18.269 | 3.062 | 19.001 | 14.869 | 515 | 28.574 | 26.023 | 12.023 | 4.745 | 4.721 | 11.903 | |
| Resultaatverwerking | ||||||||||||||||||
9906 |
33.315 | 37.083 | 6.543 | 14.572 | 2.036 | 3.315 | -18.269 | 3.062 | 19.001 | 14.869 | 515 | 28.574 | 26.023 | 12.023 | 4.745 | 4.721 | 11.903 | |
791/2 |
- | - | - | - | - | - | 18.269 | - | - | - | - | 0 | 0 | 0 | - | - | - | |
691/2 |
33.315 | 37.083 | 6.543 | 14.572 | 2.036 | 3.315 | - | 3.062 | 19.001 | 14.869 | 515 | 4.574 | 2.023 | 23 | 4.745 | 221 | 11.903 | |
691 |
- | - | - | - | - | - | - | - | - | - | - | 0 | 0 | 0 | - | - | - | |
6920 |
- | - | - | - | - | - | - | - | - | - | - | 0 | 0 | 0 | - | - | 1.860 | |
6921 |
33.315 | 37.083 | 6.543 | 14.572 | 2.036 | 3.315 | - | 3.062 | 19.001 | 14.869 | 515 | 4.574 | 2.023 | 23 | 4.745 | 221 | 10.043 | |
694/7 |
- | - | - | - | - | - | - | - | - | - | - | 24.000 | 24.000 | 12.000 | - | 4.500 | - | |
694 |
- | - | - | - | - | - | - | - | - | - | - | 0 | 0 | 0 | - | 4.500 | - | |
695 |
- | - | - | - | - | - | - | - | - | - | - | 24.000 | 24.000 | 12.000 | - | - | - | |
| Document | ||||||||||||||||||
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 bij de NBB.
Bron: Jaarrekening 2025 bij de NBB, neergelegd op 30-09-2026.
Neerleggingen
elke stip is een jaarrekening, op de dag dat ze bij de Nationale Bank binnenkwamJaarrekening 2025 neergelegd, 61 dagen na de termijn. De jaarrekening werd neergelegd op 30 september 2026. De termijn liep af op 31 juli 2026, 7 maanden na de afsluiting op 31 december 2025 (artikel 3:10 WVV). Bron: NBB, 2026-00539961.
| Boekjaar | Type | Neerlegging | Referentie | Document |
|---|---|---|---|---|
| 31-12-2025 | microschema | 30-09-2026 | 2026-00539961 | |
| 31-12-2024 | microschema | 04-06-2025 | 2025-00117375 | |
| 31-12-2023 | microschema | 29-08-2024 | 2024-00389315 | |
| 31-12-2022 | microschema | 31-07-2023 | 2023-00294624 | |
| 31-12-2021 | microschema | 22-11-2022 | 2022-20523830 | |
| 31-12-2020 | microschema | 31-08-2021 | 2021-57900272 | |
| 31-12-2019 | microschema | 09-10-2020 | 2020-60100188 | |
| 31-12-2018 | verkort schema | 30-08-2019 | 2019-55100038 | |
| 31-12-2017 | verkort schema | 31-08-2018 | 2018-55400015 | |
| 31-12-2016 | verkort schema | 30-03-2018 | 2018-08100293 | |
| 31-12-2015 | verkort schema | 31-08-2016 | 2016-55000009 | |
| 31-12-2014 | verkort schema | 24-07-2015 | 2015-34400562 | |
| 31-12-2013 | verkort schema | 10-09-2014 | 2014-58700093 | |
| 31-12-2012 | verkort schema | 29-08-2013 | 2013-55300021 | |
| 31-12-2011 | verkort schema | 27-07-2012 | 2012-36500261 | |
| 31-12-2010 | verkort schema | 31-07-2011 | 2011-36800455 | |
| 31-12-2009 | verkort schema | 29-07-2010 | 2010-37000601 |
Kerncijfers en ratio's
per boekjaar, berekend uit de jaarrekening| Post | Verloop | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 49.860 | 56.273 | 16.988 | 21.841 | 4.158 | 727 | -16.677 | 12.452 | 30.042 | 44.224 | 37.153 | 43.324 | 40.975 | 26.476 | 15.765 | 13.568 | 20.708 | ||
| 38.742 | 43.225 | 12.427 | 20.271 | 5.305 | 5.568 | -14.211 | 8.951 | 25.012 | 21.462 | 8.373 | 37.620 | 35.462 | 21.596 | 12.615 | 12.309 | 15.194 | ||
| 7.422 | 1.641 | 1.181 | 5.000 | 15.374 | 10.442 | 4.615 | 0 | 0 | -0 | 1 | 4.564 | 3.532 | 6.355 | 743 | 32.268 | 28.718 | ||
| - | 835 | 41 | -6.219 | - | - | - | - | - | - | - | 0 | 0 | - | - | - | - | ||
| 142.925 | 111.605 | 70.190 | 53.225 | 37.954 | 46.934 | 51.808 | 70.634 | 61.683 | 36.671 | 15.208 | 8.835 | 3.411 | 3.526 | 871 | -5.616 | 676 | ||
| 69,9% | 72,0% | 70,4% | 63,7% | 49,4% | 70,6% | 61,8% | 61,6% | 62,3% | 55,1% | 47,8% | 43,7% | 42,9% | 41,3% | 41,8% | 27,4% | 28,4% | ||
| 3,10 | 3,31 | 2,93 | 2,24 | 1,61 | 2,93 | 2,52 | 2,55 | 2,45 | 1,88 | 1,38 | 1,20 | 1,09 | 1,13 | 1,03 | 0,87 | 1,01 | ||
| 0,43 | 0,39 | 0,42 | 0,57 | 1,02 | 0,42 | 0,62 | 0,62 | 0,61 | 0,82 | 1,09 | 1,23 | 1,27 | 1,36 | 1,39 | 2,64 | 2,52 | ||
| 21,2% | 29,9% | 7,5% | 19,4% | 3,4% | 5,7% | -33,2% | 4,2% | 27,0% | 29,0% | 1,4% | 79,6% | 83,1% | 41,0% | 16,2% | 19,3% | 49,0% | ||
| 14,8% | 21,5% | 5,3% | 12,4% | 1,7% | 4,0% | -20,5% | 2,6% | 16,8% | 16,0% | 0,7% | 34,8% | 35,6% | 16,9% | 6,8% | 5,3% | 13,9% | ||
| 12,60 | 11,71 | 3,34 | 8,85 | 2,13 | - | - | - | - | - | - | - | - | - | - | - | - |
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 | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Materiële vaste activa | € 7.422 | € 1.641 | € 1.181 | - | € 15.374 |
| Financiële vaste activa | - | - | - | € 5.000 | - |
| € 5.427 | € 6.141 | € 5.884 | € 5.699 | € 3.269 |
Bron: toelichting bij de jaarrekeningen 2021 tot 2025 (staat van de vaste activa)
Inzichten over CREATECHNIC
Het bedrijfsresultaat van 2025 is 11% lager dan in 2024.
Het aandeel van de schulden in het balanstotaal stijgt van 28,0% naar 30,1%. Het eigen vermogen en de schuld zijn hoger.