GRAPHCOM.BE
Jaarrekening 2025
microschema, neergelegd op 14-07-2026, 17 dagen voor het einde van de termijn€ 115.373
▲ 12,7%
€ 86.803
▲ 14,8%
€ 109.423
▲ 12,6%
€ 73.772
▲ 13,7%
29,1%
▲ 9,7 procentpunt
1,50
▲ 0,30
Omzet en EBIT-marge zijn niet gepubliceerd. In het microschema zijn ze niet verplicht. De getoonde omzet is een schatting uit de brutomarge.
Omzet ≈ € 290.000. Geschat: waarschijnlijk tussen € 190.000 en € 450.000.
Geldstromen
geen detail voor 2025Balans
balanstotaal € 486.136 op 31-12-2025Wat de onderneming bezitHoe dat betaald is
in euro
in euro
Positie in de sector
29,1%
Hoger dan 31% van 1.124 ondernemingen in 2025.
1,50
Hoger dan 42% van 1.088 ondernemingen in 2025.
10,5%
Hoger dan 66% van 1.097 ondernemingen in 2025.
GRAPHCOM.BE
Middelste helft van de sector
80% van de sector
Microschema's in de sector drukwerk (NACE 18)
Nettoresultaat: hoogste kwart · Eigen vermogen: middelste helft · Balanstotaal: hoogste kwart · Werkkapitaal: middelste helft
Personeel
Personeelskosten gedeeld door het gemiddeld aantal voltijdse equivalenten.
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 | 2008 | 2007 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Balans: activa | ||||||||||||||||||||
20/58 |
486.136 | 466.198 | 400.201 | 416.153 | 292.940 | 301.866 | 407.329 | 398.221 | 411.829 | 344.515 | 359.666 | 451.172 | 403.129 | 389.485 | 87.143 | 79.990 | 79.163 | 102.169 | 52.532 | |
20 |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 200 | 400 | 600 | 800 | |
21/28 |
292.789 | 301.884 | 323.490 | 345.510 | 180.034 | 201.860 | 225.134 | 225.841 | 247.205 | 244.853 | 254.579 | 267.477 | 282.200 | 295.402 | 8.888 | 11.442 | 17.060 | 21.636 | 4.010 | |
22/27 |
292.789 | 301.884 | 323.490 | 345.510 | 180.034 | 201.860 | 225.134 | 225.841 | 247.205 | 244.853 | 254.579 | 267.477 | 282.200 | 295.402 | 8.888 | 11.242 | 16.660 | 21.036 | 3.210 | |
22 |
177.555 | 301.884 | 323.381 | 190.305 | 6.927 | 6.927 | 6.927 | 6.927 | 6.927 | 6.927 | - | - | - | - | - | - | - | - | - | |
23 |
1.579 | - | - | - | - | 165 | 330 | 71 | 143 | 214 | 286 | 108 | 217 | 534 | 981 | 887 | 1.226 | 524 | - | |
24 |
10.823 | - | 109 | 632 | 1.156 | 5.348 | 10.988 | 16.628 | 22.268 | 4.191 | 5.119 | 6.048 | 6.976 | 7.904 | 7.906 | 10.355 | 15.434 | 20.512 | 3.210 | |
25 |
102.831 | - | - | 154.573 | 171.952 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
29/58 |
193.347 | 164.314 | 76.712 | 70.643 | 112.906 | 100.006 | 182.195 | 172.381 | 164.623 | 99.662 | 105.087 | 183.695 | 120.928 | 94.083 | 78.255 | 68.547 | 62.103 | 80.533 | 48.522 | |
40/41 |
87.508 | 90.429 | 68.297 | 61.729 | 65.801 | 39.862 | 122.874 | 93.339 | 120.186 | 82.547 | 102.822 | 158.023 | 106.682 | 88.467 | 64.386 | 56.184 | 57.649 | 66.375 | 46.848 | |
40 |
70.751 | 81.197 | 61.474 | 55.412 | 63.163 | 39.862 | 122.182 | 92.646 | 120.186 | 82.547 | 101.837 | 146.206 | 101.491 | 88.267 | 64.186 | 55.984 | 57.449 | 65.751 | 46.848 | |
41 |
16.757 | 9.231 | 6.823 | 6.317 | 2.638 | - | 692 | 692 | - | - | 985 | 11.817 | 5.191 | 200 | 200 | 200 | 200 | 624 | - | |
54/58 |
105.337 | 71.919 | 8.176 | 8.914 | 46.889 | 58.548 | 58.066 | 77.109 | 44.019 | 16.708 | 2.079 | 25.671 | 12.686 | 4.544 | 13.021 | 11.541 | 4.454 | 14.158 | 1.674 | |
490/1 |
502 | 1.967 | 239 | - | 216 | 1.597 | 1.255 | 1.933 | 418 | 407 | 185 | - | 1.560 | 1.072 | 848 | 822 | - | - | - | |
| Balans: passiva | ||||||||||||||||||||
10/49 |
486.136 | 466.198 | 400.201 | 416.153 | 292.940 | 301.866 | 407.329 | 398.221 | 411.829 | 344.515 | 359.666 | 451.172 | 403.129 | 389.485 | 87.143 | 79.990 | 79.163 | 102.169 | 52.532 | |
10/15 |
141.443 | 90.290 | 46.988 | 31.440 | 30.789 | 25.489 | 24.357 | 15.820 | 13.883 | 15.256 | 12.220 | 16.083 | 9.437 | 9.395 | 18.098 | -329 | 1.332 | 1.676 | 4.660 | |
10/11 |
8.250 | 8.250 | 8.250 | 8.250 | 8.250 | 8.250 | 8.250 | 8.250 | 8.250 | 8.250 | 8.250 | 8.250 | 8.250 | 8.250 | 8.250 | 8.250 | 8.250 | 6.250 | 6.250 | |
100 |
- | - | - | - | - | - | 18.600 | 18.600 | 18.600 | 18.600 | 18.600 | 18.600 | 18.600 | 18.600 | 18.600 | 18.600 | 18.600 | 18.600 | 18.600 | |
101 |
- | - | - | - | - | - | 10.350 | 10.350 | 10.350 | 10.350 | 10.350 | 10.350 | 10.350 | 10.350 | 10.350 | 10.350 | 10.350 | 12.350 | 12.350 | |
13 |
133.193 | 82.040 | 38.738 | 23.190 | 22.539 | 17.239 | 16.107 | 16.495 | 16.495 | 16.495 | 16.495 | 16.495 | 9.848 | 9.848 | 9.848 | - | - | - | - | |
130/1 |
- | - | - | 595 | 595 | 595 | - | - | - | - | - | - | - | - | - | - | - | - | - | |
130 |
- | - | - | - | - | - | 595 | 595 | 595 | 595 | 595 | 595 | 9.848 | 9.848 | 492 | - | - | - | - | |
1311 |
- | - | - | 595 | 595 | 595 | - | - | - | - | - | - | - | - | - | - | - | - | - | |
132 |
4.596 | 4.596 | 4.596 | 4.596 | 4.596 | 4.596 | 4.596 | 4.596 | 4.596 | 4.596 | 4.596 | 4.596 | - | - | - | - | - | - | - | |
133 |
128.596 | 77.444 | 34.142 | 17.999 | 17.348 | 12.048 | 10.916 | 11.304 | 11.304 | 11.304 | 11.304 | 11.304 | - | - | 9.356 | - | - | - | - | |
14 |
- | - | - | - | - | - | - | -8.925 | -10.862 | -9.489 | -12.525 | -8.662 | -8.662 | -8.703 | - | -8.579 | -6.918 | -4.574 | -1.590 | |
16 |
- | - | - | - | - | - | - | - | 7.500 | 7.500 | 6.000 | 6.000 | 4.500 | 3.000 | 1.500 | - | - | - | - | |
160/5 |
- | - | - | - | - | - | - | - | 7.500 | 7.500 | 6.000 | 6.000 | 4.500 | 3.000 | 1.500 | - | - | - | - | |
162 |
- | - | - | - | - | - | - | - | 7.500 | 7.500 | - | - | - | - | - | - | - | - | - | |
17/49 |
344.694 | 375.908 | 353.213 | 384.713 | 262.152 | 276.378 | 382.972 | 382.401 | 390.446 | 321.758 | 341.446 | 429.089 | 389.192 | 377.089 | 67.545 | 80.318 | 77.830 | 100.494 | 47.872 | |
17 |
214.944 | 237.567 | 263.544 | 288.884 | 165.484 | 182.922 | 202.339 | 213.117 | 229.306 | 225.791 | 236.755 | 277.765 | 287.840 | 297.498 | - | 4.903 | 9.527 | 13.887 | - | |
170/4 |
214.944 | 237.567 | 263.544 | 288.884 | 165.484 | 182.922 | 202.339 | 213.117 | 229.306 | 225.791 | 236.755 | 277.765 | 287.840 | 297.498 | - | 4.903 | 9.527 | 13.887 | - | |
42/48 |
128.743 | 136.358 | 88.935 | 95.830 | 96.668 | 93.455 | 180.633 | 169.284 | 161.140 | 94.997 | 104.691 | 150.946 | 101.051 | 79.591 | 67.545 | 75.415 | 68.303 | 86.606 | 47.872 | |
42 |
31.847 | 25.976 | 30.340 | 26.767 | 17.438 | 19.417 | 18.750 | 20.368 | 15.600 | - | - | - | 9.658 | 9.258 | 4.903 | 4.624 | 4.361 | 4.113 | - | |
43 |
- | - | - | - | - | - | - | - | - | 10.964 | 10.510 | 10.075 | - | - | - | - | - | - | - | |
430/8 |
- | - | - | - | - | - | - | - | - | 10.964 | 10.510 | 10.075 | - | - | - | - | - | - | - | |
44 |
73.860 | 92.016 | 53.994 | 62.990 | 70.369 | 58.808 | 123.812 | 95.787 | 86.488 | 59.488 | 83.384 | 135.140 | 85.742 | 58.027 | 33.470 | 37.739 | 29.490 | 54.747 | 30.024 | |
440/4 |
73.860 | 92.016 | 53.994 | 62.990 | 70.369 | 58.808 | 123.812 | 95.787 | 86.488 | 59.488 | 83.384 | 135.140 | 85.742 | 58.027 | 33.470 | 37.739 | 29.490 | 54.747 | 30.024 | |
45 |
23.036 | 18.366 | 4.601 | 5.899 | 8.860 | 8.648 | 12.007 | 8.813 | 26.108 | 18.586 | 2.735 | 5.731 | 1.769 | 7.293 | 17.454 | 12.268 | 10.431 | 5.786 | 2.652 | |
450/3 |
23.036 | 18.366 | 4.601 | 5.899 | 8.860 | 8.648 | 12.007 | 8.813 | 26.108 | 18.586 | 2.735 | 5.731 | 832 | 6.356 | 16.411 | 8.558 | 9.846 | 5.786 | 2.652 | |
454/9 |
- | - | - | - | - | - | - | - | - | - | - | - | 937 | 937 | 1.043 | 3.710 | 585 | - | - | |
47/48 |
- | - | - | 173 | - | 6.584 | 26.064 | 44.316 | 32.943 | 5.960 | 8.061 | - | 3.882 | 5.013 | 11.717 | 20.784 | 24.022 | 21.961 | 15.196 | |
492/3 |
1.007 | 1.983 | 734 | - | - | - | - | - | - | 970 | - | 378 | 301 | - | - | - | - | - | - | |
| Resultatenrekening | ||||||||||||||||||||
70 |
- | - | - | - | - | - | - | - | - | - | - | 293.335 | 216.367 | 355.859 | 266.502 | 227.452 | 181.229 | 265.763 | 169.017 | |
76A |
- | - | - | - | - | - | - | - | - | - | - | - | 5.880 | 233 | 747 | 822 | 913 | 8.674 | - | |
9900 |
115.373 | 102.362 | 62.042 | 58.357 | 45.607 | 39.300 | 53.560 | 34.242 | 39.346 | 57.369 | 25.824 | 39.758 | 25.314 | 46.936 | 44.487 | 35.424 | 32.280 | 2.222 | 4.139 | |
60/61 |
- | - | - | - | - | - | - | - | - | - | - | 253.577 | 191.053 | 308.923 | 222.015 | 192.028 | 148.949 | 263.540 | 164.878 | |
62 |
- | - | - | - | - | - | - | - | - | - | - | - | - | 3.845 | 4.546 | 25.867 | 24.922 | 3.876 | - | |
630 |
22.620 | 21.606 | 22.021 | 40.224 | 23.396 | 23.274 | 23.345 | 21.365 | 21.404 | 16.653 | 16.761 | 16.515 | 16.633 | 18.027 | 7.518 | 5.618 | 5.618 | 6.409 | 3.410 | |
631/4 |
346 | - | 669 | - | 1.314 | - | 934 | - | - | 20.000 | - | - | - | - | - | - | - | - | - | |
635/8 |
- | - | - | - | - | - | - | -7.500 | - | 1.500 | - | 1.500 | 1.500 | - | - | - | - | - | - | |
640/8 |
5.604 | 5.145 | 5.072 | 4.700 | 2.262 | 2.313 | 2.003 | 2.742 | 2.980 | 1.439 | 1.877 | 1.532 | 1.298 | 24.860 | 426 | 1.331 | 1.819 | 473 | 347 | |
66A |
- | - | - | - | - | - | - | - | - | - | - | - | - | 1.539 | - | - | - | 1.210 | - | |
9901 |
86.803 | 75.611 | 34.280 | 13.434 | 18.634 | 13.713 | 27.279 | 17.635 | 14.962 | 17.777 | 7.186 | 20.211 | 5.883 | 204 | 31.998 | 2.608 | -78 | -8.536 | 382 | |
75/76B |
- | 1 | - | 1 | 0 | 6 | 0 | 84 | 162 | 1.583 | 54 | 309 | 146 | 277 | 59 | 43 | 45 | 223 | 3 | |
75 |
- | 1 | - | 1 | 0 | 6 | 0 | 84 | 162 | 2 | 54 | 309 | 146 | 277 | 59 | 43 | 45 | 223 | 3 | |
76B |
- | - | - | - | - | - | - | - | - | 1.581 | - | - | - | - | - | - | - | - | - | |
65/66B |
7.803 | 8.511 | 9.166 | 10.045 | 8.149 | 9.299 | 10.372 | 11.102 | 11.418 | 11.156 | 10.911 | 11.326 | 11.867 | 7.875 | 1.042 | 968 | 1.035 | 109 | 15 | |
65 |
7.803 | 8.511 | 9.166 | 10.045 | 8.149 | 9.299 | 10.372 | 11.102 | 11.418 | 11.156 | 10.911 | 11.326 | 11.867 | 7.875 | 1.042 | 968 | 1.035 | 109 | 15 | |
9903 |
79.001 | 67.101 | 25.115 | 3.389 | 10.485 | 4.420 | 16.907 | 6.617 | 3.706 | 8.204 | -3.671 | 9.194 | 41 | -8.699 | 31.762 | 2.506 | -156 | -959 | 370 | |
67/77 |
27.848 | 23.799 | 9.567 | 2.737 | 5.185 | 3.289 | 8.369 | 4.680 | 5.080 | 5.168 | 192 | 2.547 | - | 4 | 13.335 | 4.167 | 2.188 | 2.025 | 1.960 | |
9904 |
51.153 | 43.302 | 15.548 | 652 | 5.300 | 1.131 | 8.538 | 1.937 | -1.374 | 3.036 | -3.863 | 6.647 | 41 | -8.703 | 18.427 | -1.661 | -2.343 | -2.984 | -1.590 | |
689 |
- | - | - | - | - | - | - | - | - | - | - | 4.596 | - | - | - | - | - | - | - | |
9905 |
51.153 | 43.302 | 15.548 | 652 | 5.300 | 1.131 | 8.538 | 1.937 | -1.374 | 3.036 | -3.863 | 2.051 | 41 | -8.703 | 18.427 | -1.661 | -2.343 | -2.984 | -1.590 | |
| Resultaatverwerking | ||||||||||||||||||||
9906 |
51.153 | 43.302 | 15.548 | 652 | 5.300 | 1.131 | -388 | -8.925 | -10.862 | -9.489 | -12.525 | -6.611 | -8.662 | -8.703 | 9.848 | -8.579 | -6.918 | -4.574 | -1.590 | |
791/2 |
- | - | - | - | - | - | 8.925 | - | - | - | - | - | - | - | - | - | - | - | - | |
691/2 |
51.153 | 43.302 | 15.548 | 652 | 5.300 | 1.131 | 8.538 | - | - | - | - | 2.051 | - | - | 9.848 | - | - | - | - | |
6920 |
- | - | - | - | - | - | - | - | - | - | - | 103 | - | - | 492 | - | - | - | - | |
6921 |
51.153 | 43.302 | 15.548 | 652 | 5.300 | 1.131 | 8.538 | - | - | - | - | 1.948 | - | - | 9.356 | - | - | - | - | |
| Sociale balans | ||||||||||||||||||||
9087 |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | 1 | 1 | 1 | 1 | - | |
Gepresteerde uren1013 |
- | - | - | - | - | - | - | - | - | - | - | - | - | - | 137 | 1.778 | 1.778 | 304 | - | |
| 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 14-07-2026.
Neerleggingen
elke stip is een jaarrekening, op de dag dat ze bij de Nationale Bank binnenkwam| Boekjaar | Type | Neerlegging | Referentie | Document |
|---|---|---|---|---|
| 31-12-2025 | microschema | 14-07-2026 | 2026-00296422 | |
| 31-12-2024 | microschema | 20-08-2025 | 2025-00389959 | |
| 31-12-2023 | microschema | 16-07-2024 | 2024-00255597 | |
| 31-12-2022 | microschema | 08-08-2023 | 2023-00322042 | |
| 31-12-2021 | microschema | 23-08-2022 | 2022-20354635 | |
| 31-12-2020 | microschema | 13-08-2021 | 2021-48500113 | |
| 31-12-2019 | microschema | 12-08-2020 | 2020-40600413 | |
| 31-12-2018 | microschema | 19-08-2019 | 2019-47200532 | |
| 31-12-2017 | microschema | 28-09-2018 | 2018-66100307 | |
| 31-12-2016 | microschema | 22-08-2017 | 2017-45600275 | |
| 31-12-2015 | verkort schema | 19-08-2016 | 2016-44600149 | |
| 31-12-2014 | verkort schema | 08-07-2015 | 2015-28600291 | |
| 31-12-2013 | verkort schema | 04-09-2014 | 2014-57900566 | |
| 31-12-2012 | verkort schema | 30-08-2013 | 2013-53800481 | |
| 31-12-2011 | verkort schema | 07-06-2012 | 2012-15300233 | |
| 31-12-2010 | verkort schema | 05-08-2011 | 2011-38200589 | |
| 31-12-2009 | verkort schema | 02-06-2010 | 2010-15400049 | |
| 31-12-2008 | verkort schema | 07-08-2009 | 2009-55400061 | |
| 31-12-2007 | verkort schema | 30-07-2008 | 2008-51300357 |
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 | 2008 | 2007 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 109.423 | 97.217 | 56.301 | 53.657 | 42.030 | 36.987 | 50.624 | 39.000 | 36.366 | 34.430 | 23.947 | 36.726 | 22.516 | 18.231 | 39.516 | 8.226 | 5.539 | -2.126 | 3.792 | ||
| 73.772 | 64.908 | 37.568 | 40.875 | 28.696 | 24.405 | 31.883 | 23.302 | 20.031 | 19.689 | 12.898 | 23.161 | 16.675 | 9.324 | 25.945 | 3.957 | 3.275 | 3.426 | 1.820 | ||
| 13.525 | 0 | 0 | 205.700 | 1.570 | 0 | 22.639 | 0 | 23.757 | 6.927 | 3.863 | 1.791 | 4.432 | 308.080 | 3.464 | 0 | 1.041 | 26.246 | 6.420 | ||
| 33.419 | 63.743 | -739 | -37.975 | -11.658 | 482 | -19.043 | 33.090 | 27.311 | 14.628 | -23.592 | 12.985 | 8.142 | -8.477 | 1.479 | 7.088 | -9.704 | 12.484 | - | ||
| 64.605 | 27.957 | -12.224 | -25.187 | 16.239 | 6.551 | 1.562 | 3.097 | 3.484 | 4.665 | 396 | 32.749 | 19.877 | 14.491 | 10.711 | -6.868 | -6.201 | -6.073 | 650 | ||
| - | - | - | - | - | - | - | - | - | - | - | 6,9% | 2,7% | 0,1% | 12,0% | 1,1% | 0,0% | -3,2% | 0,2% | ||
| 29,1% | 19,4% | 11,7% | 7,6% | 10,5% | 8,4% | 6,0% | 4,0% | 3,4% | 4,4% | 3,4% | 3,6% | 2,3% | 2,4% | 20,8% | -0,4% | 1,7% | 1,6% | 8,9% | ||
| 1,50 | 1,21 | 0,86 | 0,74 | 1,17 | 1,07 | 1,01 | 1,02 | 1,02 | 1,05 | 1,00 | 1,22 | 1,20 | 1,18 | 1,16 | 0,91 | 0,91 | 0,93 | 1,01 | ||
| 2,44 | 4,16 | 7,52 | 12,24 | 8,51 | 10,84 | 15,72 | 24,17 | 28,12 | 21,09 | 27,94 | 26,68 | 41,24 | 40,14 | 3,73 | - | 58,41 | 59,97 | 10,27 | ||
| 36,2% | 48,0% | 33,1% | 2,1% | 17,2% | 4,4% | 35,1% | 12,2% | -9,9% | 19,9% | -31,6% | 41,3% | 0,4% | -92,6% | 101,8% | - | -175,9% | -178,1% | -34,1% | ||
| 10,5% | 9,3% | 3,9% | 0,2% | 1,8% | 0,4% | 2,1% | 0,5% | -0,3% | 0,9% | -1,1% | 1,5% | 0,0% | -2,2% | 21,1% | -2,1% | -3,0% | -2,9% | -3,0% | ||
| 14,02 | 11,42 | 6,14 | 5,34 | 5,16 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | ||
| - | - | - | - | - | - | - | - | - | - | - | 182 dagen | 171 dagen | 91 dagen | 88 dagen | 90 dagen | 116 dagen | 90 dagen | 101 dagen | ||
| - | - | - | - | - | - | - | - | - | - | - | 195 dagen | 164 dagen | 69 dagen | 55 dagen | 72 dagen | 72 dagen | 76 dagen | 66 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 | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Materiële vaste activa | € 13.525 | - | - | € 205.700 | € 1.570 |
| € 22.620 | € 21.606 | € 22.021 | € 40.224 | € 23.396 |
Bron: toelichting bij de jaarrekeningen 2021 tot 2025 (staat van de vaste activa)
Inzichten over GRAPHCOM.BE
Het bedrijfsresultaat van 2025 is 15% hoger dan in 2024 en het hoogste sinds 2007. Dat is de derde stijging op rij, na de daling in 2022.
Het aandeel van de schulden in het balanstotaal zakt van 80,6% naar 70,9%. Het eigen vermogen is hoger en de schuld is lager.