{"id":4724,"date":"2025-02-20T12:55:39","date_gmt":"2025-02-20T12:55:39","guid":{"rendered":"https:\/\/bizantium.be\/?p=4724"},"modified":"2025-04-08T09:00:26","modified_gmt":"2025-04-08T09:00:26","slug":"pensioensparen-voor-zelfstandigen-slimme-keuzes-maken-voor-de-toekomst","status":"publish","type":"post","link":"https:\/\/bizantium.be\/fr\/pensioensparen-voor-zelfstandigen-slimme-keuzes-maken-voor-de-toekomst\/","title":{"rendered":"Pensioensparen voor zelfstandigen: slimme keuzes maken voor de toekomst"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"4724\" class=\"elementor elementor-4724\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1e6a209 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1e6a209\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5fc9d712\" data-id=\"5fc9d712\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-39fde5da elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"39fde5da\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-47498389\" data-id=\"47498389\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-658d540e elementor-widget elementor-widget-heading\" data-id=\"658d540e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Pensioensparen voor zelfstandigen: <br>slimme keuzes maken voor de toekomst\n<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-73cd57ba elementor-widget elementor-widget-text-editor\" data-id=\"73cd57ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"177\" data-end=\"494\">Ben je momenteel al aan het wegdromen en denk je soms weleens aan je pensioen? Een zeer actueel thema waar veel discussie rond blijft ontstaan. We dienen nog een lange loopbaan te doorlopen met z&#8217;n allen. Het is daarom belangrijk om onze toekomst veilig te stellen. Welkom in de wondere wereld van <em data-start=\"475\" data-end=\"491\">pensioensparen<\/em>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-21dba015 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"21dba015\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-51af4248\" data-id=\"51af4248\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-38961f63 elementor-invisible elementor-widget elementor-widget-image\" data-id=\"38961f63\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInUp&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/bizantium.be\/wp-content\/uploads\/2025\/02\/2148882003.jpg\" title=\"2148882003\" alt=\"2148882003\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5b42d8ad elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5b42d8ad\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3be52fda\" data-id=\"3be52fda\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5aadae0a elementor-widget elementor-widget-text-editor\" data-id=\"5aadae0a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"496\" data-end=\"929\">Pensioensparen is een slimme manier om je financi\u00eble toekomst veilig te stellen. Als zelfstandige is het wettelijk pensioen vaak onvoldoende om je levensstandaard te behouden na je pensioen. Daarom zien veel mensen een aanvullend pensioen niet als een luxe, maar als een noodzaak. Met pensioensparen is het immers mogelijk om een goed kapitaal op te bouwen en nadien gunstig te laten uitkeren wanneer je effectief op pensioen gaat.<\/p><p data-start=\"931\" data-end=\"1285\">We gaan enkele prangende vragen in dit artikel voor jullie beantwoorden: Moet je nu al beginnen met pensioensparen om een mooi kapitaal op te bouwen? Kun je dan werkelijk genieten van een fiscaal voordeel? Hoe zit het met het vervroegd pensioen en je wettelijk samenwonende partner? Welke opties heb je allemaal en wat is nu juist het fiscaal voordeel?<\/p><p data-start=\"1287\" data-end=\"1306\">Veel leesplezier!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e2d5af9 elementor-widget elementor-widget-heading\" data-id=\"e2d5af9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Het einddoel: wat brengt 20 jaar pensioensparen op?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3551d5a elementor-widget elementor-widget-text-editor\" data-id=\"3551d5a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"1372\" data-end=\"1692\">Je wilt natuurlijk weten welk bedrag je uiteindelijk zal hebben opgebouwd. Het uitbetaalde kapitaal hangt af van verschillende factoren zoals de looptijd van het contract, premies en rendement van een pensioenspaarfonds. Hoe vroeger je begint, hoe groter het effect van de samengestelde rente en belastingvermindering.<\/p><p data-start=\"1694\" data-end=\"1888\"><em data-start=\"1694\" data-end=\"1728\">&#8220;Jong begonnen is half gewonnen&#8221;<\/em> is de boodschap bij pensioensparen door samengestelde rente. Laten we een voorbeeld nemen en een simulatie maken voor als je 20 jaar aan pensioensparen doet.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bd47f42 elementor-widget elementor-widget-heading\" data-id=\"bd47f42\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">In de praktijk\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fb2ff41 elementor-widget elementor-widget-text-editor\" data-id=\"fb2ff41\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"1917\" data-end=\"2271\">Als je 20 jaar lang aan pensioensparen doet, hangt je eindkapitaal af van je jaarlijkse storting en het rendement. Kies je voor de maximale storting van 1.050 euro per jaar, dan krijg je een belastingvermindering van 30%, waardoor je netto 735 euro per jaar betaalt. Bij een gemiddeld rendement van 3% groeit dit uit tot \u20ac29.060, en bij 5% tot \u20ac36.455.<\/p><p data-start=\"2273\" data-end=\"2491\">Spaar je 1.350 euro per jaar, dan is je belastingvoordeel 25%, waardoor je netto 1.012,50 euro per jaar betaalt. Dit levert na 20 jaar een eindkapitaal op van \u20ac37.363 (bij 3% rendement) en \u20ac46.871 (bij 5% rendement).<\/p><p data-start=\"2493\" data-end=\"2553\">Mooie bedragen dus die je kan opbouwen met pensioensparen.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fecd51b elementor-widget elementor-widget-heading\" data-id=\"fecd51b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Is pensioensparen nog interessant in 2024?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d6d382 elementor-widget elementor-widget-text-editor\" data-id=\"3d6d382\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"2610\" data-end=\"2841\">Pensioensparen blijft een slimme keuze voor iedereen die later wil genieten van een comfortabel pensioen. Ondanks enkele fiscale wijzigingen blijft het aantrekkelijk, vooral dankzij de belastingvermindering op je gestorte bedrag.<\/p><p data-start=\"2843\" data-end=\"3041\">Om een maximaal fiscaal voordeel te behouden, moet je wel voldoen aan bepaalde voorwaarden. Het belastingvoordeel hangt immers rechtstreeks af van het fiscaal maximum dat je jaarlijks mag storten.<\/p><p data-start=\"3043\" data-end=\"3245\">In 2024 blijven de fiscale maximumbedragen een cruciale factor voor je uiteindelijke rendement. Door slim te sparen, profiteer je optimaal van de (fiscale) voordelen en bouw je een stevig pensioen op.<\/p><p data-start=\"3247\" data-end=\"3391\">Wil je precies weten hoeveel voordeel je hieruit kan halen en wat de beste opties zijn? Neem contact met ons op en wij helpen je graag verder.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d255e69 elementor-widget elementor-widget-heading\" data-id=\"d255e69\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Hoeveel houd je echt over van je pensioensparen?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f5c523f elementor-widget elementor-widget-text-editor\" data-id=\"f5c523f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"3454\" data-end=\"3836\">Hoewel je tijdens de looptijd geniet van een belastingvoordeel, wordt het uitgekeerde kapitaal bij pensionering belast. Afhankelijk van de leeftijd waarop je je kapitaal opneemt, betaal je eindbelasting. Als je het bedrag opneemt op de wettelijke pensioenleeftijd van 65 jaar, geldt een voordeliger belastingtarief. Neem je het vervroegd op, dan worden hogere belastingen geheven.<\/p><p data-start=\"3838\" data-end=\"4022\">Hoewel pensioensparen tijdens de opbouwfase aantrekkelijke belastingvoordelen biedt, is het belangrijk te begrijpen hoeveel je uiteindelijk overhoudt na belastingen bij de uitkering.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fd7fe38 elementor-widget elementor-widget-image\" data-id=\"fd7fe38\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"534\" src=\"https:\/\/bizantium.be\/wp-content\/uploads\/2025\/02\/115595.jpg\" class=\"attachment-large size-large wp-image-4727\" alt=\"\" srcset=\"https:\/\/bizantium.be\/wp-content\/uploads\/2025\/02\/115595.jpg 1000w, https:\/\/bizantium.be\/wp-content\/uploads\/2025\/02\/115595-300x200.jpg 300w, https:\/\/bizantium.be\/wp-content\/uploads\/2025\/02\/115595-768x512.jpg 768w, https:\/\/bizantium.be\/wp-content\/uploads\/2025\/02\/115595-18x12.jpg 18w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e29f212 elementor-widget elementor-widget-heading\" data-id=\"2e29f212\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Belastingvoordelen tijdens de opbouwfase\n<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d69dfee elementor-widget elementor-widget-text-editor\" data-id=\"d69dfee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Tijdens de looptijd van je pensioenspaarplan geniet je van een jaarlijkse belastingvermindering op de gestorte bedragen. In 2025 kun je kiezen tussen twee formules:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-8bf05f0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8bf05f0\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-2525d2d elementor-invisible\" data-id=\"2525d2d\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:&quot;100&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9254587 elementor-widget__width-initial elementor-widget elementor-widget-image-box\" data-id=\"9254587\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><h4 class=\"elementor-image-box-title\">Storting tot 1.050 euro<\/h4><p class=\"elementor-image-box-description\">30% belastingvermindering, wat neerkomt op maximaal 315 euro per jaar.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1801f28 elementor-invisible\" data-id=\"1801f28\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:&quot;100&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bfc295d elementor-widget__width-initial elementor-widget elementor-widget-image-box\" data-id=\"bfc295d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><h4 class=\"elementor-image-box-title\">Storting tussen 1.050 en 1.350 euro<\/h4><p class=\"elementor-image-box-description\">25% belastingvermindering, met een maximum van 337,50 euro per jaar. Deze optie is fiscaal voordeliger wanneer je meer dan 1.260 euro per jaar spaart.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-acb147f elementor-widget elementor-widget-heading\" data-id=\"acb147f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Eindbelasting bij uitkering<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-77360ac elementor-widget elementor-widget-text-editor\" data-id=\"77360ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"4586\" data-end=\"4663\">Het opgebouwde pensioenkapitaal wordt belast via een anticipatieve heffing:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-6ebc338 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6ebc338\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-36ba802 elementor-invisible\" data-id=\"36ba802\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:&quot;100&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fe20594 elementor-widget__width-initial elementor-widget elementor-widget-image-box\" data-id=\"fe20594\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><h4 class=\"elementor-image-box-title\">Leeftijd 60 jaar<\/h4><p class=\"elementor-image-box-description\">Als je v\u00f3\u00f3r je 55e met pensioensparen bent begonnen, wordt op je 60e een belasting van 8% geheven over het opgebouwde kapitaal.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-877b069 elementor-invisible\" data-id=\"877b069\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:&quot;100&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f266e91 elementor-widget__width-initial elementor-widget elementor-widget-image-box\" data-id=\"f266e91\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><h4 class=\"elementor-image-box-title\">Na je 55e gestart<\/h4><p class=\"elementor-image-box-description\">De 8% belasting wordt geheven op de tiende verjaardag van je contract.\n<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b63518 elementor-widget elementor-widget-heading\" data-id=\"3b63518\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Belastinggrondslag<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-47263ce elementor-widget elementor-widget-text-editor\" data-id=\"47263ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-pm-slice=\"1 1 []\">De manier waarop de eindbelasting wordt berekend, verschilt per product:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-89a1779 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"89a1779\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-5183cb3 elementor-invisible\" data-id=\"5183cb3\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:&quot;100&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0ede71a elementor-widget__width-initial elementor-widget elementor-widget-image-box\" data-id=\"0ede71a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><h4 class=\"elementor-image-box-title\">Pensioenspaarverzekering (tak 21 of tak 23)<\/h4><p class=\"elementor-image-box-description\">De belasting wordt berekend over het kapitaal opgebouwd uit je gestorte premies, exclusief eventuele winstdeelnames.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-749e185 elementor-invisible\" data-id=\"749e185\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:&quot;100&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-41900a7 elementor-widget__width-initial elementor-widget elementor-widget-image-box\" data-id=\"41900a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><h4 class=\"elementor-image-box-title\">Pensioenspaarfonds<\/h4><p class=\"elementor-image-box-description\">De belasting wordt berekend op basis van een fictief rendement van 4,75% per jaar op je gestorte bedragen, ongeacht het daadwerkelijke rendement. Voor stortingen v\u00f3\u00f3r 1992 geldt een fictief rendement van 6,25%.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-45766ad elementor-widget elementor-widget-heading\" data-id=\"45766ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Welke opties heb ik voor pensioensparen?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-013fdeb elementor-widget elementor-widget-text-editor\" data-id=\"013fdeb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"5146\" data-end=\"5235\">Er zijn verschillende manieren waarop je als zelfstandige kunt sparen voor je pensioen:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-224cd49 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"224cd49\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-a4315f8 elementor-invisible\" data-id=\"a4315f8\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:&quot;100&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9f42383 elementor-widget__width-initial elementor-widget elementor-widget-image-box\" data-id=\"9f42383\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><h4 class=\"elementor-image-box-title\">Wettelijk pensioen<\/h4><p class=\"elementor-image-box-description\">Dit is het basispensioen dat je ontvangt op basis van je belastbaar beroepsinkomen en sociale bijdragen.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-4807ece elementor-invisible\" data-id=\"4807ece\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:&quot;100&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5b833d1 elementor-widget__width-initial elementor-widget elementor-widget-image-box\" data-id=\"5b833d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><h4 class=\"elementor-image-box-title\">Aanvullend pensioen<\/h4><p class=\"elementor-image-box-description\">De vrijwillige pensioensopbouw via een VAPZ, IPT of een pensioenspaarplan.\n<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-7dde568 elementor-invisible\" data-id=\"7dde568\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:&quot;100&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ca6ddef elementor-widget__width-initial elementor-widget elementor-widget-image-box\" data-id=\"ca6ddef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><h4 class=\"elementor-image-box-title\">Individueel sparen en beleggen<\/h4><p class=\"elementor-image-box-description\">Zelf een particuliere beleggingsportefeuille beheren met ETF\u2019s en vastgoed.\n<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-5494540 elementor-widget elementor-widget-image\" data-id=\"5494540\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"223\" src=\"https:\/\/bizantium.be\/wp-content\/uploads\/2025\/02\/9853.jpg\" class=\"attachment-large size-large wp-image-4732\" alt=\"\" srcset=\"https:\/\/bizantium.be\/wp-content\/uploads\/2025\/02\/9853.jpg 1000w, https:\/\/bizantium.be\/wp-content\/uploads\/2025\/02\/9853-300x84.jpg 300w, https:\/\/bizantium.be\/wp-content\/uploads\/2025\/02\/9853-768x214.jpg 768w, https:\/\/bizantium.be\/wp-content\/uploads\/2025\/02\/9853-18x5.jpg 18w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e798bc elementor-widget elementor-widget-heading\" data-id=\"5e798bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Wettelijk pensioen<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a9eccd elementor-widget elementor-widget-text-editor\" data-id=\"1a9eccd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-pm-slice=\"1 1 []\">Het wettelijk pensioen is het pensioen dat je ontvangt na je professionele loopbaan. Dit bedrag wordt berekend op basis van verschillende factoren, waaronder je brutoloon tijdens je carri\u00e8re, het aantal gewerkte jaren en het stelsel waarin je actief was (werknemer, zelfstandige of ambtenaar). De overheid bepaalt de regels en voorwaarden voor de berekening en uitbetaling van dit pensioen.<\/p><p>Wil je een inschatting maken van je toekomstig pensioen? Dan kan je dit raadplegen via <a href=\"http:\/\/mypension.be\" target=\"_blank\" rel=\"noopener noreferrer\">mypension.be<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf3e97d elementor-widget elementor-widget-heading\" data-id=\"bf3e97d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">VAPZ of IPT<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-faee332 elementor-widget elementor-widget-text-editor\" data-id=\"faee332\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-pm-slice=\"1 1 []\">Een Vrij Aanvullend Pensioen voor Zelfstandigen (VAPZ) of Individuele Pensioentoezegging (IPT) biedt extra belastingvoordeel en is fiscaal aftrekbaar. Het maximumbedrag dat je jaarlijks mag storten, wordt bepaald op basis van je inkomsten. Je kan ook kiezen voor een contract met een overlijdensdekking, waarbij de begunstigde je opgebouwde kapitaal ontvangt.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1b5d254 elementor-widget elementor-widget-heading\" data-id=\"1b5d254\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Pensioenspaarplan<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6055674 elementor-widget elementor-widget-text-editor\" data-id=\"6055674\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-pm-slice=\"1 1 []\">Met een pensioenspaarrekening of pensioenspaarverzekering spaar je jaarlijks een bedrag en geniet je van een belastingvermindering. Een pensioenspaarfonds belegt je premies in aandelen en obligaties, terwijl een spaarverzekering een vast rendement en winstdeelname biedt.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9e31d4a elementor-widget elementor-widget-heading\" data-id=\"9e31d4a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Particuliere beleggingsportefeuille in eigen beheer (ETF's en vastgoed)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf3f0b8 elementor-widget elementor-widget-text-editor\" data-id=\"bf3f0b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-pm-slice=\"1 1 []\">Zelfstandig beleggen in een beleggingsfonds, ETF\u2019s of vastgoed biedt flexibiliteit en potentieel een hoger rendement. Dit brengt wel risico\u2019s met zich mee en is niet fiscaal aftrekbaar zoals andere pensioenproducten.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3467bcf elementor-widget elementor-widget-heading\" data-id=\"3467bcf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Wat is het fiscaal voordeel van pensioensparen?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36f2c64 elementor-widget elementor-widget-text-editor\" data-id=\"36f2c64\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"5678\" data-end=\"5917\">Het gespaarde bedrag geeft recht op een belastingvermindering via je belastingaangifte. Het belastingvoordeel bedraagt doorgaans 30% van de gestorte premies, met een lager maximumbedrag als je kiest voor een hogere belastingvermindering.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b4859c elementor-widget elementor-widget-heading\" data-id=\"4b4859c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Wanneer is pensioensparen fiscaal aftrekbaar?\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ed82de elementor-widget elementor-widget-text-editor\" data-id=\"2ed82de\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"5973\" data-end=\"6065\">Pensioensparen is fiscaal aftrekbaar in Belgi\u00eb als je voldoet aan de volgende voorwaarden:<\/p><ul data-start=\"6067\" data-end=\"6411\"><li data-start=\"6067\" data-end=\"6181\"><strong data-start=\"6069\" data-end=\"6081\">Leeftijd<\/strong>: Je bent minimaal 18 jaar en jonger dan 65 jaar op het moment van het afsluiten van het contract.<\/li><li data-start=\"6182\" data-end=\"6293\"><strong data-start=\"6184\" data-end=\"6200\">Inwonerschap<\/strong>: Je bent een inwoner van Belgi\u00eb of een andere lidstaat van de Europese Economische Ruimte.<\/li><li data-start=\"6294\" data-end=\"6411\"><strong data-start=\"6296\" data-end=\"6318\">Belastbaar inkomen<\/strong>: Je hebt belastbaar beroepsinkomen en bent onderworpen aan de Belgische personenbelasting.<\/li><\/ul><p data-start=\"6413\" data-end=\"6538\"><br \/>Let op: als je de limiet van 1.050 euro overschrijdt, wordt de belastingvermindering automatisch verlaagd van 30% naar 25%.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b579934 elementor-widget elementor-widget-heading\" data-id=\"b579934\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Zijn er instap- en uitstapkosten bij pensioensparen?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0a5f25f elementor-widget elementor-widget-text-editor\" data-id=\"0a5f25f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-pm-slice=\"1 1 []\">Ja, bij pensioenspaarproducten in Belgi\u00eb kunnen zowel instap- als uitstapkosten van toepassing zijn. De hoogte en toepassing van deze kosten vari\u00ebren afhankelijk van het type product en de aanbieder.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b37d478 elementor-widget elementor-widget-heading\" data-id=\"b37d478\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Instapkosten<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-4038f3a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4038f3a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-000172f elementor-invisible\" data-id=\"000172f\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:&quot;100&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2a376ed elementor-widget__width-initial elementor-widget elementor-widget-image-box\" data-id=\"2a376ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><h4 class=\"elementor-image-box-title\">Pensioenspaarfondsen (pensioenspaarrekening)<\/h4><p class=\"elementor-image-box-description\">Bij stortingen in een pensioenspaarfonds worden doorgaans instapkosten aangerekend. Deze liggen meestal rond de 2 \u00e0 3% van het gestorte bedrag.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-589774e elementor-invisible\" data-id=\"589774e\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:&quot;100&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4e6fa27 elementor-widget__width-initial elementor-widget elementor-widget-image-box\" data-id=\"4e6fa27\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><h4 class=\"elementor-image-box-title\">Pensioenspaarverzekeringen<\/h4><p class=\"elementor-image-box-description\">Voor pensioenspaarverzekeringen worden eveneens instapkosten gehanteerd. Deze kunnen, afhankelijk van de verzekeraar, hoger liggen dan bij pensioenspaarfondsen, mede vanwege de kapitaalbescherming en gegarandeerde rente die deze producten bieden.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-ad92740 elementor-widget elementor-widget-heading\" data-id=\"ad92740\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Uitstapkosten<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-52c30f2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"52c30f2\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-7a5dce5 elementor-invisible\" data-id=\"7a5dce5\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:&quot;100&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b5310b3 elementor-widget__width-initial elementor-widget elementor-widget-image-box\" data-id=\"b5310b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><h4 class=\"elementor-image-box-title\">Pensioenspaarfondsen (pensioenspaarrekening)<\/h4><p class=\"elementor-image-box-description\">Bij een normale be\u00ebindiging op de voorziene einddatum zijn er doorgaans geen uitstapkosten. Echter, bij een vervroegde opname of overdracht naar een ander fonds kunnen er wel kosten in rekening worden gebracht. Bijvoorbeeld, sommige banken rekenen een vast bedrag aan voor een dergelijke overdracht.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-ad0a1cc elementor-invisible\" data-id=\"ad0a1cc\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:&quot;100&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0fbc8a2 elementor-widget__width-initial elementor-widget elementor-widget-image-box\" data-id=\"0fbc8a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><div class=\"elementor-image-box-content\"><h4 class=\"elementor-image-box-title\">Pensioenspaarverzekeringen<\/h4><p class=\"elementor-image-box-description\">Bij vroegtijdige afkoop kunnen uitstapkosten van toepassing zijn. Deze kosten vari\u00ebren per verzekeraar en nemen vaak af naarmate de einddatum nadert. Bijvoorbeeld, sommige verzekeraars hanteren een uitstapkost van 5%, die in de laatste vijf jaar van het contract jaarlijks met 1% daalt.<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-52cd264 elementor-widget elementor-widget-text-editor\" data-id=\"52cd264\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-pm-slice=\"1 1 []\">Door aan pensioensparen te doen en jaarlijks een maximumbedrag te storten, kun je dus een mooie belastingvermindering krijgen en zo je netto-investering verlagen. Zit je nog met vragen na het lezen van dit artikel? Aarzel niet om ons te contacteren, wij helpen je graag verder.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8bf4ba4 elementor-widget elementor-widget-image\" data-id=\"8bf4ba4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"400\" src=\"https:\/\/bizantium.be\/wp-content\/uploads\/2025\/02\/35100.jpg\" class=\"attachment-large size-large wp-image-4733\" alt=\"\" srcset=\"https:\/\/bizantium.be\/wp-content\/uploads\/2025\/02\/35100.jpg 1000w, https:\/\/bizantium.be\/wp-content\/uploads\/2025\/02\/35100-300x150.jpg 300w, https:\/\/bizantium.be\/wp-content\/uploads\/2025\/02\/35100-768x384.jpg 768w, https:\/\/bizantium.be\/wp-content\/uploads\/2025\/02\/35100-18x9.jpg 18w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4182e6d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4182e6d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1f52400\" data-id=\"1f52400\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b7a4f5d elementor-widget elementor-widget-template\" data-id=\"b7a4f5d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"5141\" class=\"elementor elementor-5141\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e991a4d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e991a4d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fab3faf\" data-id=\"fab3faf\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ac413dc elementor-widget elementor-widget-heading\" data-id=\"ac413dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Une constitution en soci\u00e9t\u00e9 sans probl\u00e8me gr\u00e2ce \u00e0 Bizantium<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-958f86d elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"958f86d\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-c60a89f\" data-id=\"c60a89f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cc2b893 elementor-widget elementor-widget-heading\" data-id=\"cc2b893\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Une fondation en 3 \u00e9tapes<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e4cccdd elementor-widget elementor-widget-text-editor\" data-id=\"e4cccdd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Bizantium rassemble toutes les informations dans un flux intuitif, g\u00e9n\u00e8re les documents n\u00e9cessaires, y compris le plan financier, et tient toutes les parties inform\u00e9es gr\u00e2ce \u00e0 des mises \u00e0 jour en temps r\u00e9el. Une fois le dossier complet, la constitution de l'entreprise se fait chez le notaire avec une procuration num\u00e9rique.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-4ff004c\" data-id=\"4ff004c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4c49e7c elementor-widget__width-initial elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"4c49e7c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\"><defs><style>.fa-secondary{opacity:.4}<\/style><\/defs><path d=\"M384 32H64C28.654 32 0 60.654 0 96V416C0 451.346 28.654 480 64 480H384C419.348 480 448 451.346 448 416V96C448 60.654 419.348 32 384 32ZM288 384H160C146.75 384 136 373.25 136 360S146.75 336 160 336H200V196.844L185.312 206.625C174.266 213.938 159.359 210.969 152.031 199.969C144.672 188.938 147.656 174.031 158.688 166.688L210.688 132.031C218.078 127.094 227.547 126.656 235.328 130.844C243.125 135.031 248 143.156 248 152V336H288C301.25 336 312 346.75 312 360S301.25 384 288 384Z\" class=\"fa-secondary\"><\/path><path d=\"M312 360C312 373.25 301.25 384 288 384H160C146.75 384 136 373.25 136 360S146.75 336 160 336H200V196.844L185.312 206.625C174.266 213.938 159.359 210.969 152.031 199.969C144.672 188.938 147.656 174.031 158.688 166.688L210.688 132.031C218.078 127.094 227.547 126.656 235.328 130.844C243.125 135.031 248 143.156 248 152V336H288C301.25 336 312 346.75 312 360Z\" class=\"fa-primary\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Collecte de donn\u00e9es<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\"><defs><style>.fa-secondary{opacity:.4}<\/style><\/defs><path d=\"M384 32H64C28.654 32 0 60.654 0 96V416C0 451.346 28.654 480 64 480H384C419.346 480 448 451.346 448 416V96C448 60.654 419.346 32 384 32ZM296 384H152C142.078 384 133.188 377.906 129.609 368.625C126.031 359.375 128.531 348.875 135.875 342.219L244.313 243.906C251.359 236.969 255.625 226.906 255.625 216.25S251.359 195.531 243.625 187.938C227.391 172 200.875 172 184.609 187.938L173.594 198.719C164.141 208.062 148.969 207.875 139.656 198.406C130.375 188.938 130.531 173.719 140 164.469L151 153.687C185.797 119.5 242.453 119.5 277.25 153.687C294.25 170.375 303.625 192.594 303.625 216.25S294.25 262.125 277.25 278.812L214.188 336H296C309.25 336 320 346.75 320 360S309.25 384 296 384Z\" class=\"fa-secondary\"><\/path><path d=\"M320.003 360C320.003 373.25 309.253 384 296.003 384H152.003C142.082 384 133.191 377.906 129.613 368.625C126.035 359.375 128.535 348.875 135.878 342.219L244.316 243.906C251.363 236.969 255.628 226.906 255.628 216.25S251.363 195.531 243.628 187.938C227.394 172 200.878 172 184.613 187.938L173.597 198.719C164.144 208.062 148.972 207.875 139.66 198.406C130.378 188.938 130.535 173.719 140.003 164.469L151.003 153.687C185.8 119.5 242.457 119.5 277.253 153.687C294.253 170.375 303.628 192.594 303.628 216.25S294.253 262.125 277.253 278.812L214.191 336H296.003C309.253 336 320.003 346.75 320.003 360Z\" class=\"fa-primary\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">\u00c9tablir un plan financier<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\"><defs><style>.fa-secondary{opacity:.4}<\/style><\/defs><path d=\"M384 32H64C28.654 32 0 60.654 0 96V416C0 451.346 28.654 480 64 480H384C419.346 480 448 451.346 448 416V96C448 60.654 419.346 32 384 32ZM236 384H191.359C163.125 384 138.156 366 129.234 339.219C125.047 326.625 131.844 313.031 144.422 308.844C157 304.781 170.594 311.469 174.766 324.031C177.156 331.188 183.812 336 191.359 336H236C255.844 336 272 319.844 272 300S255.844 264 236 264H184C174.109 264 165.219 257.938 161.625 248.688C158.047 239.469 160.484 229 167.781 222.312L218.297 176H152C138.75 176 128 165.25 128 152S138.75 128 152 128H280C289.891 128 298.781 134.062 302.375 143.312C305.953 152.531 303.516 163 296.219 169.688L245.156 216.5C287.188 221.062 320 256.781 320 300C320 346.312 282.312 384 236 384Z\" class=\"fa-secondary\"><\/path><path d=\"M320.002 300C320.002 346.312 282.314 384 236.002 384H191.361C163.127 384 138.158 366 129.236 339.219C125.048 326.625 131.845 313.031 144.424 308.844C157.002 304.781 170.595 311.469 174.767 324.031C177.158 331.188 183.814 336 191.361 336H236.002C255.845 336 272.002 319.844 272.002 300S255.845 264 236.002 264H184.002C174.111 264 165.22 257.938 161.627 248.688C158.048 239.469 160.486 229 167.783 222.312L218.298 176H152.002C138.752 176 128.002 165.25 128.002 152S138.752 128 152.002 128H280.002C289.892 128 298.783 134.062 302.377 143.312C305.955 152.531 303.517 163 296.22 169.688L245.158 216.5C287.189 221.062 320.002 256.781 320.002 300Z\" class=\"fa-primary\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Incorporation par le notaire<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-676382c elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"676382c\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-fe61423\" data-id=\"fe61423\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f52e56c elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"f52e56c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">+\/-<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8457ab1 elementor-widget__width-auto elementor-widget elementor-widget-counter\" data-id=\"8457ab1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"4\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\"><\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0a3eeef elementor-widget elementor-widget-heading\" data-id=\"0a3eeef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">jours ouvrables<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-3e9af96\" data-id=\"3e9af96\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1deab05 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"1deab05\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">plus <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f6422ba elementor-widget__width-auto elementor-widget elementor-widget-counter\" data-id=\"f6422ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"250\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\"><\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-254c619 elementor-widget elementor-widget-heading\" data-id=\"254c619\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">entreprises \u00e9tablies<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-7e8d7d5\" data-id=\"7e8d7d5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9b18018 elementor-widget__width-auto elementor-widget elementor-widget-counter\" data-id=\"9b18018\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"100\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\"><\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-151bede elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"151bede\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">%<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d246dcb elementor-widget elementor-widget-heading\" data-id=\"d246dcb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">num\u00e9rique<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-1d52edb\" data-id=\"1d52edb\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3c6ea3e elementor-widget__width-auto elementor-widget elementor-widget-counter\" data-id=\"3c6ea3e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"10\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\"><\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d20305 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"0d20305\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">+<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1fc7105 elementor-widget elementor-widget-heading\" data-id=\"1fc7105\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">ann\u00e9es d'exp\u00e9rience<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-685922f elementor-mobile-align-justify elementor-align-center elementor-widget elementor-widget-button\" data-id=\"685922f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/portal.bizantium.be\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">cr\u00e9er imm\u00e9diatement mon entreprise<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-283d62b elementor-widget elementor-widget-image\" data-id=\"283d62b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"534\" src=\"https:\/\/bizantium.be\/wp-content\/uploads\/2024\/09\/31213.jpg\" class=\"attachment-large size-large wp-image-2981\" alt=\"\" srcset=\"https:\/\/bizantium.be\/wp-content\/uploads\/2024\/09\/31213.jpg 1000w, https:\/\/bizantium.be\/wp-content\/uploads\/2024\/09\/31213-300x200.jpg 300w, https:\/\/bizantium.be\/wp-content\/uploads\/2024\/09\/31213-768x512.jpg 768w, https:\/\/bizantium.be\/wp-content\/uploads\/2024\/09\/31213-18x12.jpg 18w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-79f5599 elementor-hidden-tablet elementor-hidden-mobile elementor-invisible elementor-widget elementor-widget-eael-cta-box\" data-id=\"79f5599\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"eael-cta-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"eael-call-to-action cta-flex bg-lite cta-preset-1\">\n\t    <div class=\"content\">\n            <h4 class=\"sub-title\">Pr\u00eat \u00e0 commencer ?<\/h4><h2 class=\"title eael-cta-heading\">Cr\u00e9ez votre compte aujourd'hui!<\/h2>\t    <\/div>\n\t    <div class=\"action\">\n\t        <a href=\"https:\/\/portal.bizantium.be\/\" target=\"_blank\" class=\"cta-button cta-preset-1\">Commencez d\u00e8s aujourd'hui<\/a>\t    <\/div>\n\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-248380d elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-text-editor\" data-id=\"248380d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/calendly.com\/starter-bizantium\/startersadviseur-call\" target=\"_blank\" rel=\"noopener\">Vous avez encore des questions concernant la cr\u00e9ation de votre entreprise ? R\u00e9servez d'abord un appel gratuit avec un conseiller sp\u00e9cialis\u00e9 dans la cr\u00e9ation d'entreprise !<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c83cff elementor-hidden-desktop elementor-invisible elementor-widget elementor-widget-eael-cta-box\" data-id=\"2c83cff\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"eael-cta-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"eael-call-to-action cta-flex bg-lite cta-preset-1\">\n\t    <div class=\"content\">\n            <h4 class=\"sub-title\">Pr\u00eat \u00e0 commencer ?<\/h4><h2 class=\"title eael-cta-heading\">Cr\u00e9ez votre compte aujourd'hui!<\/h2>\t    <\/div>\n\t    <div class=\"action\">\n\t        <a href=\"https:\/\/portal.bizantium.be\/\" target=\"_blank\" class=\"cta-button cta-preset-1\">Commencez d\u00e8s aujourd'hui<\/a>\t    <\/div>\n\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0e34b0d elementor-hidden-desktop elementor-widget elementor-widget-text-editor\" data-id=\"0e34b0d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/calendly.com\/starter-bizantium\/startersadviseur-call\" target=\"_blank\" rel=\"noopener\">Avez-vous d'autres questions concernant votre cr\u00e9ation ?<br \/>R\u00e9servez alors d'abord un appel gratuit avec un conseiller pour jeunes entreprises !<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4eafa6b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4eafa6b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ae98368\" data-id=\"ae98368\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-52950d6 elementor-widget elementor-widget-heading\" data-id=\"52950d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Vous avez d\u00e9j\u00e0 lu celui-ci ? Contenu pertinent pour les entreprises en phase de d\u00e9marrage<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ebd7642 elementor-grid-3 elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-posts--thumbnail-top elementor-posts--show-avatar elementor-card-shadow-yes elementor-posts__hover-gradient elementor-widget elementor-widget-posts\" data-id=\"ebd7642\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;cards_columns&quot;:&quot;3&quot;,&quot;cards_columns_tablet&quot;:&quot;2&quot;,&quot;cards_columns_mobile&quot;:&quot;1&quot;,&quot;cards_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:35,&quot;sizes&quot;:[]},&quot;cards_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;cards_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.cards\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-cards elementor-grid\" role=\"list\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-6624 post type-post status-publish format-standard has-post-thumbnail hentry category-uncategorized\" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/bizantium.be\/fr\/de-aandeelhoudersovereenkomst-waarom-goede-afspraken-onmisbaar-zijn-voor-je-vennootschap\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/bizantium.be\/wp-content\/uploads\/2026\/07\/5260-300x200.jpg\" class=\"attachment-medium size-medium wp-image-6627\" alt=\"\" srcset=\"https:\/\/bizantium.be\/wp-content\/uploads\/2026\/07\/5260-300x200.jpg 300w, https:\/\/bizantium.be\/wp-content\/uploads\/2026\/07\/5260-768x512.jpg 768w, https:\/\/bizantium.be\/wp-content\/uploads\/2026\/07\/5260-18x12.jpg 18w, https:\/\/bizantium.be\/wp-content\/uploads\/2026\/07\/5260.jpg 1000w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__avatar\">\n\t\t\t<img alt='Robin Van Oostende' src='https:\/\/bizantium.be\/wp-content\/uploads\/2022\/08\/cropped-Bizantium-72-scaled-1-128x128.jpg' srcset='https:\/\/bizantium.be\/wp-content\/uploads\/2022\/08\/cropped-Bizantium-72-scaled-1-256x256.jpg 2x' class='avatar avatar-128 photo' height='128' width='128' \/>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/bizantium.be\/fr\/de-aandeelhoudersovereenkomst-waarom-goede-afspraken-onmisbaar-zijn-voor-je-vennootschap\/\" >\n\t\t\t\tDe aandeelhoudersovereenkomst: waarom goede afspraken onmisbaar zijn voor je vennootschap\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>Je richt samen met een partner een vennootschap op en de energie zit helemaal goed. Maar wat gebeurt er als jullie visies over een paar jaar botsen?<\/p>\n\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/bizantium.be\/fr\/de-aandeelhoudersovereenkomst-waarom-goede-afspraken-onmisbaar-zijn-voor-je-vennootschap\/\" aria-label=\"Read more about De aandeelhoudersovereenkomst: waarom goede afspraken onmisbaar zijn voor je vennootschap\" tabindex=\"-1\" >\n\t\t\tLire \"\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-6621 post type-post status-publish format-standard has-post-thumbnail hentry category-uncategorized\" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/bizantium.be\/fr\/waarom-uitbesteden-je-geld-bespaart-ook-al-voelt-het-niet-zo\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"169\" src=\"https:\/\/bizantium.be\/wp-content\/uploads\/2026\/07\/124515-300x169.jpg\" class=\"attachment-medium size-medium wp-image-6622\" alt=\"\" srcset=\"https:\/\/bizantium.be\/wp-content\/uploads\/2026\/07\/124515-300x169.jpg 300w, https:\/\/bizantium.be\/wp-content\/uploads\/2026\/07\/124515-768x432.jpg 768w, https:\/\/bizantium.be\/wp-content\/uploads\/2026\/07\/124515-18x10.jpg 18w, https:\/\/bizantium.be\/wp-content\/uploads\/2026\/07\/124515.jpg 1000w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__avatar\">\n\t\t\t<img alt='Robin Van Oostende' src='https:\/\/bizantium.be\/wp-content\/uploads\/2024\/03\/cropped-Profielfoto-Robin-mini.jpeg' srcset='https:\/\/bizantium.be\/wp-content\/uploads\/2024\/03\/cropped-Profielfoto-Robin-mini.jpeg 2x' class='avatar avatar-128 photo' height='128' width='128' \/>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/bizantium.be\/fr\/waarom-uitbesteden-je-geld-bespaart-ook-al-voelt-het-niet-zo\/\" >\n\t\t\t\tWaarom uitbesteden je geld bespaart (ook al voelt het niet zo)\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>&#8220;Ik doe mijn boekhouding, marketing en administratie er zelf wel even bij, dat scheelt weer een factuur.&#8221; Het klinkt logisch: geen extra kosten, gewoon zelf de handen uit de mouwen steken. <\/p>\n\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/bizantium.be\/fr\/waarom-uitbesteden-je-geld-bespaart-ook-al-voelt-het-niet-zo\/\" aria-label=\"Read more about Waarom uitbesteden je geld bespaart (ook al voelt het niet zo)\" tabindex=\"-1\" >\n\t\t\tLire \"\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-6618 post type-post status-publish format-standard has-post-thumbnail hentry category-uncategorized\" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/bizantium.be\/fr\/waarom-een-spaarrekening-de-slechtste-plek-is-voor-je-bedrijfswinst\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/bizantium.be\/wp-content\/uploads\/2026\/07\/3570-300x200.jpg\" class=\"attachment-medium size-medium wp-image-6619\" alt=\"\" srcset=\"https:\/\/bizantium.be\/wp-content\/uploads\/2026\/07\/3570-300x200.jpg 300w, https:\/\/bizantium.be\/wp-content\/uploads\/2026\/07\/3570-768x512.jpg 768w, https:\/\/bizantium.be\/wp-content\/uploads\/2026\/07\/3570-18x12.jpg 18w, https:\/\/bizantium.be\/wp-content\/uploads\/2026\/07\/3570.jpg 1000w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__avatar\">\n\t\t\t<img alt='Robin Van Oostende' src='https:\/\/bizantium.be\/wp-content\/uploads\/2024\/03\/cropped-Profielfoto-Robin-mini.jpeg' srcset='https:\/\/bizantium.be\/wp-content\/uploads\/2024\/03\/cropped-Profielfoto-Robin-mini.jpeg 2x' class='avatar avatar-128 photo' height='128' width='128' \/>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/bizantium.be\/fr\/waarom-een-spaarrekening-de-slechtste-plek-is-voor-je-bedrijfswinst\/\" >\n\t\t\t\tWaarom een spaarrekening de slechtste plek is voor je bedrijfswinst\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>Er staat wat overtollige winst op de zichtrekening en je wil er niet zomaar mee gaan spelen \u2014 dus parkeer je het &#8220;voor de zekerheid&#8221; op een spaarrekening. Logisch, toch?<\/p>\n\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/bizantium.be\/fr\/waarom-een-spaarrekening-de-slechtste-plek-is-voor-je-bedrijfswinst\/\" aria-label=\"Read more about Waarom een spaarrekening de slechtste plek is voor je bedrijfswinst\" tabindex=\"-1\" >\n\t\t\tLire \"\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Ben je momenteel al aan het wegdromen en denk je soms weleens aan je pensioen? Een zeer actueel thema waar veel discussie rond blijft ontstaan.<\/p>","protected":false},"author":4,"featured_media":4726,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18],"tags":[],"class_list":["post-4724","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artikels"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Pensioensparen voor zelfstandigen: slimme keuzes maken voor de toekomst - Bizantium<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bizantium.be\/fr\/pensioensparen-voor-zelfstandigen-slimme-keuzes-maken-voor-de-toekomst\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pensioensparen voor zelfstandigen: slimme keuzes maken voor de toekomst - Bizantium\" \/>\n<meta property=\"og:description\" content=\"Ben je momenteel al aan het wegdromen en denk je soms weleens aan je pensioen? 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