LINK
Jaarrekening 2025
microschema, neergelegd op 27-04-2026, 3 dagen voor het einde van de termijn€ 87.879
▲ 19,3%
€ 29.611
▼ 23,3%
€ 16.211
▼ 49,1%
-€ 17.633
▲ € 42.820
47,0%
▲ 6,2 procentpunt
0,91
▲ 0,17
Omzet en EBIT-marge zijn niet gepubliceerd. In het microschema zijn ze niet verplicht. De getoonde omzet is een schatting uit de brutomarge.
Omzet ≈ € 230.000. Geschat: waarschijnlijk tussen € 120.000 en € 540.000.
Balans
balanstotaal € 400.197 op 30-09-2025Wat de onderneming bezitHoe dat betaald is
in euro
in euro
Positie in de sector
47,0%
Hoger dan 64% van 17.194 ondernemingen in 2025.
0,91
Hoger dan 42% van 16.491 ondernemingen in 2025.
4,1%
Hoger dan 61% van 16.870 ondernemingen in 2025.
LINK
Middelste helft van de sector
80% van de sector
Microschema's in de sector onroerend goed (NACE 68)
Nettoresultaat: middelste helft · Eigen vermogen: middelste helft · Balanstotaal: middelste helft · Werkkapitaal: middelste helft
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 |
400.197 | 421.536 | 339.030 | 234.788 | 226.651 | 225.411 | 241.580 | 193.780 | 215.996 | 206.100 | 329.683 | 219.661 | 209.970 | 225.019 | 259.317 | 242.191 | 288.510 | 360.077 | 326.393 | |
21/28 |
220.932 | 252.529 | 284.575 | 137.397 | 118.009 | 101.869 | 123.095 | 126.878 | 127.913 | 111.506 | 111.394 | 123.917 | 134.463 | 155.285 | 169.408 | 188.176 | 204.191 | 213.068 | 240.526 | |
22/27 |
220.932 | 252.529 | 284.575 | 137.397 | 118.009 | 101.869 | 95.845 | 99.628 | 100.663 | 101.506 | 101.394 | 113.917 | 124.463 | 145.285 | 159.408 | 178.176 | 194.191 | 203.068 | 230.526 | |
22 |
215.825 | 240.380 | 264.934 | 110.265 | 85.603 | 90.874 | 83.255 | 88.098 | 92.941 | 88.338 | 97.915 | 107.493 | 117.070 | 134.166 | 156.561 | 177.040 | 189.555 | 192.225 | 213.054 | |
23 |
- | - | - | - | - | - | - | - | - | - | - | - | 58 | 130 | 217 | 282 | 2.802 | 5.935 | 8.130 | |
24 |
5.107 | 12.150 | 19.641 | 27.132 | 32.406 | 10.995 | 12.590 | 11.531 | 7.722 | 13.168 | 3.479 | 6.424 | 7.335 | 10.989 | 2.629 | 854 | 1.834 | 4.908 | 9.342 | |
28 |
- | - | - | - | - | - | 27.250 | 27.250 | 27.250 | 10.000 | 10.000 | 10.000 | 10.000 | 10.000 | 10.000 | 10.000 | 10.000 | 10.000 | 10.000 | |
29/58 |
179.265 | 169.007 | 54.455 | 97.391 | 108.642 | 123.542 | 118.486 | 66.902 | 88.083 | 94.594 | 218.288 | 95.744 | 75.507 | 69.734 | 89.909 | 54.015 | 84.319 | 147.008 | 85.867 | |
40/41 |
154.599 | 127.239 | 53.653 | 90.206 | 67.534 | 87.422 | 75.473 | 44.409 | 73.456 | 69.527 | 208.037 | 85.897 | 65.403 | 65.224 | 85.378 | 46.838 | 75.663 | 132.063 | 77.189 | |
40 |
154.349 | 126.989 | 31.203 | 40.721 | 35.354 | 52.937 | 46.742 | 15.238 | 15.309 | 13.574 | 140.842 | 22.056 | 10.427 | 27.540 | 45.290 | 9.178 | 24.442 | 95.982 | 61.707 | |
41 |
250 | 250 | 22.450 | 49.485 | 32.180 | 34.486 | 28.731 | 29.171 | 58.148 | 55.952 | 67.195 | 63.841 | 54.976 | 37.684 | 40.088 | 37.660 | 51.221 | 36.081 | 15.482 | |
54/58 |
24.665 | 41.768 | 801 | 5.989 | 39.729 | 34.579 | 41.681 | 20.817 | 12.019 | 21.476 | 5.440 | 5.859 | 6.147 | 459 | 1.032 | 2.608 | 4.113 | 12.480 | 8.678 | |
490/1 |
- | - | - | 1.196 | 1.378 | 1.541 | 1.331 | 1.676 | 2.608 | 3.591 | 4.810 | 3.988 | 3.956 | 4.052 | 3.499 | 4.570 | 4.543 | 2.466 | - | |
| Balans: passiva | ||||||||||||||||||||
10/49 |
400.197 | 421.536 | 339.030 | 234.788 | 226.651 | 225.411 | 241.580 | 193.780 | 215.996 | 206.100 | 329.683 | 219.661 | 209.970 | 225.019 | 259.317 | 242.191 | 288.510 | 360.077 | 326.393 | |
10/15 |
187.899 | 171.688 | 157.839 | 176.043 | 136.038 | 119.827 | 113.952 | 94.095 | 86.836 | 71.932 | 57.034 | 47.844 | 44.696 | 29.669 | 46.488 | 39.222 | 53.660 | 64.816 | 75.193 | |
10/11 |
61.973 | 61.973 | 61.973 | 61.973 | 61.973 | 61.973 | 61.973 | 61.973 | 61.973 | 61.973 | 61.973 | 61.973 | 61.973 | 61.973 | 61.973 | 61.973 | 61.973 | 61.973 | 61.973 | |
10 |
61.973 | 61.973 | 61.973 | 61.973 | 61.973 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
100 |
61.973 | 61.973 | 61.973 | 61.973 | 61.973 | 61.973 | 61.973 | 61.973 | 61.973 | 61.973 | 61.973 | 61.973 | 61.973 | 61.973 | 61.973 | 61.973 | 61.973 | 61.973 | 61.973 | |
13 |
144.081 | 127.870 | 114.070 | 114.070 | 74.065 | 57.853 | 51.979 | 32.121 | 24.863 | 19.993 | 19.993 | 19.993 | 19.993 | 19.993 | 19.993 | 19.993 | 19.993 | 19.993 | 19.993 | |
130/1 |
6.197 | 6.197 | 6.197 | 6.197 | 6.197 | 6.197 | - | - | - | - | - | - | - | - | - | - | - | - | - | |
130 |
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 | 6.197 | 6.197 | 6.197 | 6.197 | 6.197 | 6.197 | |
133 |
137.883 | 121.672 | 107.872 | 107.872 | 67.867 | 51.656 | 45.782 | 25.924 | 18.665 | 13.796 | 13.796 | 13.796 | 13.796 | 13.796 | 13.796 | 13.796 | 13.796 | 13.796 | 13.796 | |
14 |
-18.155 | -18.155 | -18.204 | - | - | - | - | - | - | -10.035 | -24.933 | -34.123 | -37.270 | -52.297 | -35.479 | -42.745 | -28.307 | -17.151 | -6.774 | |
17/49 |
212.298 | 249.848 | 181.191 | 58.745 | 90.613 | 105.584 | 127.628 | 99.686 | 129.160 | 134.168 | 272.649 | 171.818 | 165.274 | 195.349 | 212.829 | 202.969 | 234.851 | 295.261 | 251.200 | |
17 |
- | - | - | 5.193 | 26.388 | 29.416 | 42.317 | 54.489 | 65.973 | 79.585 | 93.140 | 106.118 | 120.287 | 135.593 | 141.899 | 152.873 | 169.052 | 191.995 | 63.549 | |
170/4 |
- | - | - | 5.193 | 26.388 | 29.416 | 42.317 | 54.489 | 65.973 | 79.585 | 93.140 | 106.118 | 120.287 | 135.593 | 141.899 | 152.873 | 169.052 | 191.995 | 63.549 | |
42/48 |
196.898 | 229.461 | 180.796 | 53.117 | 64.064 | 75.963 | 85.046 | 44.876 | 62.801 | 54.134 | 178.998 | 65.126 | 44.347 | 59.054 | 70.201 | 49.290 | 64.814 | 102.260 | 187.427 | |
42 |
- | - | 5.193 | 21.195 | 20.294 | 12.902 | 12.172 | 11.484 | 13.612 | 13.555 | 12.977 | 14.170 | 15.306 | 14.708 | 10.974 | 19.745 | 22.943 | 21.555 | 14.209 | |
43 |
- | - | 752 | - | - | - | - | - | - | - | - | - | - | 2.043 | - | 9.984 | 8.484 | - | 150.000 | |
430/8 |
- | - | 752 | - | - | - | - | - | - | - | - | - | - | 2.043 | - | 9.984 | 8.484 | - | 150.000 | |
44 |
35.001 | 65.076 | 26.023 | 12.583 | 22.920 | 32.792 | 56.613 | 17.506 | 23.456 | 11.960 | 19.667 | 16.404 | 1.944 | 3.909 | 9.202 | 8.089 | 12.845 | 30.706 | 17.651 | |
440/4 |
35.001 | 65.076 | 26.023 | 12.583 | 22.920 | 32.792 | 56.613 | 17.506 | 23.456 | 11.960 | 19.667 | 16.404 | 1.944 | 3.909 | 9.202 | 8.089 | 12.845 | 30.706 | 17.651 | |
46 |
- | - | - | - | - | 10.000 | - | - | - | - | - | - | - | - | - | - | - | - | - | |
45 |
17.663 | 8.261 | 1.500 | 4.338 | 5.850 | 5.269 | 1.260 | 5.886 | 10.733 | 8.619 | 9.896 | 5.791 | 750 | - | 2.633 | 1.407 | - | - | 5.567 | |
450/3 |
17.663 | 8.261 | 1.500 | 4.338 | 5.850 | 5.269 | 1.260 | 5.886 | 10.733 | 8.619 | 9.896 | 5.791 | 750 | - | 2.633 | 1.407 | - | - | 5.567 | |
47/48 |
144.234 | 156.124 | 147.328 | 15.000 | 15.000 | 15.000 | 15.000 | 10.000 | 15.000 | 20.000 | 136.458 | 28.761 | 26.347 | 38.394 | 47.392 | 10.066 | 20.542 | 50.000 | - | |
492/3 |
15.400 | 20.387 | 395 | 435 | 161 | 206 | 265 | 321 | 385 | 449 | 510 | 574 | 639 | 702 | 730 | 806 | 985 | 1.006 | 224 | |
| Resultatenrekening | ||||||||||||||||||||
76A |
- | - | - | 800 | - | - | - | - | - | 3.605 | - | 332 | - | 3.141 | - | - | - | - | - | |
9900 |
87.879 | 73.683 | 19.037 | 86.304 | 37.088 | 36.961 | 57.004 | 32.951 | 50.718 | 59.407 | 29.037 | 28.331 | 41.789 | 14.137 | 39.836 | 19.631 | 31.649 | 30.286 | 36.002 | |
630 |
31.597 | 32.046 | 20.761 | 15.509 | 9.717 | 9.557 | 10.284 | 12.881 | 10.290 | 18.437 | 12.522 | 12.931 | 19.888 | 26.164 | 24.540 | 25.816 | 33.442 | 29.220 | 30.744 | |
631/4 |
- | 1.605 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
640/8 |
26.671 | 1.437 | 2.634 | 7.593 | 1.278 | 1.054 | 1.101 | 1.583 | 976 | 1.468 | 987 | 1.143 | 1.248 | 2.146 | 1.739 | 1.622 | 849 | 627 | 1.902 | |
66A |
- | - | - | - | - | - | - | - | - | - | - | - | 733 | - | - | - | - | - | - | |
9901 |
29.611 | 38.596 | -4.358 | 63.203 | 26.094 | 26.350 | 45.620 | 18.487 | 39.452 | 39.502 | 15.527 | 14.257 | 20.653 | -14.173 | 13.558 | -7.807 | -2.642 | 440 | 3.356 | |
75/76B |
3.129 | 0 | 1.470 | 1.810 | 12.632 | 1.563 | 1.413 | 7.560 | 2.628 | 3.690 | 4.827 | 3.993 | 3.670 | 3.267 | 3.517 | 4.636 | 4.658 | 2.545 | 70 | |
75 |
41 | 0 | 1.470 | 1.810 | 2.628 | 1.563 | 1.413 | 1.736 | 2.628 | 3.690 | 4.827 | 3.993 | 3.670 | 3.267 | 3.517 | 4.636 | 4.658 | 2.545 | 70 | |
76B |
3.088 | - | - | - | 10.004 | - | - | 5.824 | - | - | - | - | - | - | - | - | - | - | - | |
65/66B |
2.068 | 147 | 706 | 2.420 | 2.415 | 3.530 | 3.831 | 4.337 | 5.133 | 5.899 | 6.668 | 7.434 | 8.562 | 9.053 | 9.809 | 11.267 | 13.184 | 13.319 | 4.295 | |
65 |
2.068 | 147 | 706 | 2.420 | 2.415 | 3.530 | 3.831 | 4.337 | 5.133 | 5.899 | 6.668 | 7.434 | 8.562 | 9.053 | 9.809 | 11.267 | 13.184 | 13.319 | 4.295 | |
9903 |
30.672 | 38.449 | -3.593 | 62.594 | 36.311 | 24.383 | 43.202 | 21.710 | 36.947 | 40.898 | 13.686 | 11.148 | 15.027 | -16.818 | 7.266 | -14.438 | -11.168 | -10.334 | -869 | |
67/77 |
14.461 | 6.600 | 14.611 | 7.589 | 5.100 | 3.509 | 8.344 | 4.452 | 7.043 | 6.000 | 4.495 | 2.000 | - | - | - | - | -11 | 43 | -2 | |
9904 |
16.211 | 31.849 | -18.204 | 55.005 | 31.211 | 20.874 | 34.858 | 17.258 | 29.904 | 34.898 | 9.190 | 9.147 | 15.027 | -16.818 | 7.266 | -14.438 | -11.156 | -10.377 | -867 | |
9905 |
16.211 | 31.849 | -18.204 | 55.005 | 31.211 | 20.874 | 34.858 | 17.258 | 29.904 | 34.898 | 9.190 | 9.147 | 15.027 | -16.818 | 7.266 | -14.438 | -11.156 | -10.377 | -867 | |
| Resultaatverwerking | ||||||||||||||||||||
9906 |
-1.944 | 13.645 | -18.204 | 55.005 | 31.211 | 20.874 | 34.858 | 17.258 | 19.869 | 9.965 | -24.933 | -28.123 | -37.270 | -52.297 | -35.479 | -42.745 | -28.307 | -17.151 | -6.774 | |
14P |
-18.155 | -18.204 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
691/2 |
16.211 | 13.800 | - | 40.005 | 16.211 | 5.874 | 19.858 | 7.258 | 4.869 | - | - | - | - | - | - | - | - | - | - | |
6921 |
16.211 | 13.800 | - | 40.005 | 16.211 | 5.874 | 19.858 | 7.258 | 4.869 | - | - | - | - | - | - | - | - | - | - | |
694/7 |
- | 18.000 | - | 15.000 | 15.000 | 15.000 | 15.000 | 10.000 | 15.000 | 20.000 | - | 6.000 | - | - | - | - | - | - | - | |
695 |
- | 18.000 | - | 15.000 | 15.000 | 15.000 | 15.000 | 10.000 | 15.000 | 20.000 | - | 6.000 | - | - | - | - | - | - | - | |
| Document | ||||||||||||||||||||
De jaarrekeningen van 10 oudere boekjaren (1997-2006) zijn neergelegd als document zonder cijfergegevens, bijvoorbeeld als scan.
De toelichting bij deze jaarrekening telt 3 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 2025 (PDF), neergelegd op 27-04-2026.
Neerleggingen
elke stip is een jaarrekening, op de dag dat ze bij de Nationale Bank binnenkwam| Boekjaar | Type | Neerlegging | Referentie | Document |
|---|---|---|---|---|
| 30-09-2025 | microschema | 27-04-2026 | 2026-00089021 | |
| 30-09-2024 | microschema | 30-04-2025 | 2025-00088684 | |
| 30-09-2023 | microschema | 30-04-2024 | 2024-00079618 | |
| 30-09-2022 | microschema | 27-04-2023 | 2023-00070543 | |
| 30-09-2021 | microschema | 29-04-2022 | 2022-20021815 | |
| 30-09-2020 | microschema | 29-04-2021 | 2021-12000553 | |
| 30-09-2019 | microschema | 08-04-2020 | 2020-08900571 | |
| 30-09-2018 | microschema | 25-03-2019 | 2019-07600507 | |
| 30-09-2017 | microschema | 29-03-2018 | 2018-08100068 | |
| 30-09-2016 | verkort schema | 27-03-2017 | 2017-07100491 | |
| 30-09-2015 | verkort schema | 30-03-2016 | 2016-07600386 | |
| 30-09-2014 | verkort schema | 31-03-2015 | 2015-08500499 | |
| 30-09-2013 | verkort schema | 30-04-2014 | 2014-10400483 | |
| 30-09-2012 | verkort schema | 29-04-2013 | 2013-10200079 | |
| 30-09-2011 | verkort schema | 26-04-2012 | 2012-09600503 | |
| 30-09-2010 | verkort schema | 29-04-2011 | 2011-09300497 | |
| 30-09-2009 | verkort schema | 30-03-2010 | 2010-08000447 | |
| 30-09-2008 | verkort schema | 23-04-2009 | 2009-11600254 | |
| 30-09-2007 | verkort schema | 28-03-2008 | 2008-08400100 | |
| 30-09-2006 | verkort schema | 29-03-2007 | 2007-10505128 | |
| 30-09-2005 | verkort schema | 30-03-2006 | 2006-09402005 | |
| 30-09-2004 | verkort schema | 29-03-2005 | 2005-09202702 | |
| 30-09-2003 | verkort schema | 30-03-2004 | 2004-09303565 | |
| 30-09-2002 | verkort schema | 08-04-2003 | 2003-10100149 | |
| 30-09-2001 | verkort schema | 02-04-2002 | 2002-08603045 | |
| 30-09-2000 | verkort schema | 02-04-2001 | 2001-08600724 | |
| 30-09-1999 | verkort schema | 31-03-2000 | 2000-08502657 | |
| 30-09-1998 | verkort schema | 22-03-1999 | 1999-05502369 | |
| 30-09-1997 | verkort schema | 19-02-1998 | 1998-03102860 |
Subsidies en steun
Vlaamse overheid 2025, 1 vermelding, € 2.202 toegekend, € 2.202 uitbetaald
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 61.208 | 70.642 | 16.403 | 78.712 | 35.810 | 35.907 | 55.903 | 31.368 | 49.741 | 57.939 | 28.049 | 27.188 | 40.541 | 11.991 | 38.097 | 18.008 | 30.800 | 29.660 | 34.100 | ||
| 47.808 | 63.895 | 2.557 | 70.514 | 40.928 | 30.432 | 45.141 | 30.139 | 40.194 | 53.335 | 21.713 | 22.078 | 34.915 | 9.345 | 31.806 | 11.378 | 22.286 | 18.843 | 29.877 | ||
| 0 | 0 | 167.939 | 35.002 | 28.852 | 15.582 | 6.500 | 18.722 | 26.697 | 20.957 | 0 | 2.385 | -933 | 12.041 | 5.772 | 9.800 | 24.565 | 1.762 | 80.338 | ||
| -17.102 | 40.966 | -5.188 | -33.740 | 5.150 | -7.102 | 20.864 | 8.799 | -9.458 | 16.036 | -419 | -288 | 5.688 | -574 | -1.575 | -1.506 | -8.366 | 3.801 | - | ||
| -17.633 | -60.454 | -126.341 | 44.274 | 44.578 | 47.579 | 33.440 | 22.026 | 25.282 | 40.460 | 39.290 | 30.618 | 31.160 | 10.680 | 19.708 | 4.725 | 19.505 | 44.748 | -101.560 | ||
| 47,0% | 40,7% | 46,6% | 75,0% | 60,0% | 53,2% | 47,2% | 48,6% | 40,2% | 34,9% | 17,3% | 21,8% | 21,3% | 13,2% | 17,9% | 16,2% | 18,6% | 18,0% | 23,0% | ||
| 0,91 | 0,74 | 0,30 | 1,83 | 1,70 | 1,63 | 1,39 | 1,49 | 1,40 | 1,75 | 1,22 | 1,47 | 1,70 | 1,18 | 1,28 | 1,10 | 1,30 | 1,44 | 0,46 | ||
| 1,13 | 1,46 | 1,15 | 0,33 | 0,67 | 0,88 | 1,12 | 1,06 | 1,49 | 1,87 | 4,78 | 3,59 | 3,70 | 6,58 | 4,58 | 5,17 | 4,38 | 4,56 | 3,34 | ||
| 8,6% | 18,6% | -11,5% | 31,2% | 22,9% | 17,4% | 30,6% | 18,3% | 34,4% | 48,5% | 16,1% | 19,1% | 33,6% | -56,7% | 15,6% | -36,8% | -20,8% | -16,0% | -1,2% | ||
| 4,1% | 7,6% | -5,4% | 23,4% | 13,8% | 9,3% | 14,4% | 8,9% | 13,8% | 16,9% | 2,8% | 4,2% | 7,2% | -7,5% | 2,8% | -6,0% | -3,9% | -2,9% | -0,3% | ||
| 29,60 | meer dan 100 | 23,24 | 32,53 | 14,83 | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
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.
Zekerheden en waarborgen
op eigen activa en voor derden| Post | 30-09-2025 | 30-09-2024 | 30-09-2023 | 30-09-2022 | 30-09-2021 |
|---|---|---|---|---|---|
| Hypotheken, ingeschreven bedrag | - | - | € 173.525 | € 173.525 | € 173.525 |
| Boekwaarde van de met hypotheek bezwaarde activa | - | - | € 65.543 | € 68.270 | € 70.997 |
| Boekwaarde van de verpande andere activa | - | - | - | - | € 25.706 |
Bron: toelichting bij de jaarrekeningen 2021 tot 2025 (staat van de schulden en rechten en verplichtingen buiten de balans)
Investeringen
aanschaffingen van vaste activa| Post | 30-09-2025 | 30-09-2024 | 30-09-2023 | 30-09-2022 | 30-09-2021 |
|---|---|---|---|---|---|
| Materiële vaste activa | - | - | € 167.939 | € 35.002 | € 28.852 |
| € 31.597 | € 32.046 | € 20.761 | € 15.509 | € 9.717 |
Bron: toelichting bij de jaarrekeningen 2021 tot 2025 (staat van de vaste activa)
Inzichten over LINK
Het bedrijfsresultaat van 2025 is 23% lager dan in 2024.
Het aandeel van de schulden in het balanstotaal zakt van 59,3% naar 53,0%. Het eigen vermogen is hoger en de schuld is lager.