{"id":27,"date":"2018-05-19T08:56:13","date_gmt":"2018-05-19T08:56:13","guid":{"rendered":"https:\/\/seosites.nl\/core\/?page_id=10"},"modified":"2026-05-01T07:16:02","modified_gmt":"2026-05-01T07:16:02","slug":"homepage","status":"publish","type":"page","link":"https:\/\/imk.nl\/shvo\/","title":{"rendered":"Homepage"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background fusion-parallax-none hundred-percent-fullwidth non-hundred-percent-height-scrolling lazyload\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:15%;--awb-padding-bottom:5%;--awb-padding-right-small:5%;--awb-padding-left-small:5%;--awb-background-image:linear-gradient(180deg, rgba(32,33,36,0.45) 30%,rgba(32,33,36,0.75) 100%);;--awb-background-size:cover;--awb-flex-wrap:wrap;\" data-bg=\"https:\/\/imk.nl\/shvo\/wp-content\/uploads\/sites\/4\/2026\/01\/SHVO-header-2-scaled.jpg\" data-bg-gradient=\"linear-gradient(180deg, rgba(32,33,36,0.45) 30%,rgba(32,33,36,0.75) 100%)\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center fusion-flex-align-content-center fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"width:105% !important;max-width:105% !important;margin-left: calc(-5% \/ 2 );margin-right: calc(-5% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.375%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:2.375%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:2.375%;--awb-spacing-left-medium:2.375%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:2.375%;--awb-spacing-left-small:2.375%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-one\" style=\"--awb-text-color:var(--awb-custom_color_3);--awb-margin-bottom:15px;--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:15px;--awb-margin-left-small:0px;--awb-font-size:45px;\"><h1 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"font-family:var(--awb-typography1-font-family);font-weight:var(--awb-typography1-font-weight);font-style:var(--awb-typography1-font-style);margin:0;letter-spacing:var(--awb-typography1-letter-spacing);text-transform:var(--awb-typography1-text-transform);font-size:1em;--fontSize:45;line-height:var(--awb-typography1-line-height);\">Schuldhulp voor ondernemers<\/h1><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:4.75%;--awb-margin-bottom-large:30px;--awb-spacing-left-large:4.75%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:2.375%;--awb-spacing-left-medium:2.375%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:2.375%;--awb-spacing-left-small:2.375%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-2 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-three\" style=\"--awb-text-color:var(--awb-custom_color_3);--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:15px;--awb-margin-left-small:0px;\"><h3 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:20;--minFontSize:20;line-height:var(--awb-typography3-line-height);\"><p>Ondernemen vraagt moed. Maar wat als de financi\u00eble druk te groot wordt? IMK SHVO is er speciaal voor ondernemers die in zwaar weer verkeren. Wij bieden meer dan schuldhulp. Wij bieden perspectief.<\/p>\n<p><strong>Daarnaast ondersteunen wij professionals en organisaties met kennis, training en opleiding op het gebied van schuldhulpverlening voor ondernemers.<\/strong><\/p><\/h3><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.375%;--awb-margin-bottom-large:30px;--awb-spacing-left-large:2.375%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:2.375%;--awb-spacing-left-medium:2.375%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:2.375%;--awb-spacing-left-small:2.375%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-center fusion-content-layout-row fusion-flex-align-items-center\"><div ><a class=\"fusion-button button-flat fusion-button-default-size button-custom fusion-button-default button-1 fusion-button-default-span fusion-button-default-type\" style=\"--awb-margin-bottom:10px;--button_accent_color:var(--awb-custom_color_3);--button_accent_hover_color:var(--awb-custom_color_3);--button_border_hover_color:var(--awb-custom13);--button_gradient_top_color:var(--awb-custom12);--button_gradient_bottom_color:var(--awb-custom12);--button_gradient_top_color_hover:var(--awb-custom13);--button_gradient_bottom_color_hover:var(--awb-custom13);\" target=\"_self\" href=\"https:\/\/imk.nl\/shvo\/maak-een-afspraak\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Maak een afspraak<\/span><\/a><\/div>\n<div style=\"display:block; width:20px; height:20px;\"><\/div>\n<div ><a class=\"fusion-button button-flat fusion-button-default-size button-custom fusion-button-default button-2 fusion-button-default-span fusion-button-default-type\" style=\"--awb-margin-bottom:10px;--button_accent_color:var(--awb-custom_color_3);--button_border_color:var(--awb-custom_color_3);--button_accent_hover_color:var(--awb-custom_color_3);--button_border_hover_color:var(--awb-custom_color_2);--button_gradient_top_color:var(--awb-custom_color_7);--button_gradient_bottom_color:var(--awb-custom_color_7);--button_gradient_top_color_hover:var(--awb-custom_color_2);--button_gradient_bottom_color_hover:var(--awb-custom_color_2);\" target=\"_self\" href=\"https:\/\/imk.nl\/shvo\/over-ons\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Download whitepaper<\/span><\/a><\/div>\n<\/div><\/div>\n<\/div><\/div>\n<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container has-pattern-background has-mask-background hundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:30px;--awb-padding-bottom:30px;--awb-background-color:var(--awb-custom_color_14);--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"width:105% !important;max-width:105% !important;margin-left: calc(-5% \/ 2 );margin-right: calc(-5% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:90%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.6388888888889%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:2.6388888888889%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:2.375%;--awb-spacing-left-medium:2.375%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:2.375%;--awb-spacing-left-small:2.375%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-space-around fusion-content-layout-row fusion-flex-align-items-center\"><ul style=\"--awb-size:20px;--awb-iconcolor:var(--awb-custom_color_3);--awb-textcolor:var(--awb-custom_color_3);--awb-line-height:34px;--awb-icon-width:34px;--awb-icon-height:34px;--awb-icon-margin:14px;--awb-content-margin:48px;--awb-circlecolor:var(--awb-custom12);--awb-circle-yes-font-size:17.6px;\" class=\"fusion-checklist fusion-checklist-1 fusion-checklist-default type-icons\"><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-yes\"><i class=\"fusion-li-icon fa-check fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">Ervaring met complexe ondernemerssituaties<\/div><\/li><\/ul><ul style=\"--awb-size:20px;--awb-iconcolor:var(--awb-custom_color_3);--awb-textcolor:var(--awb-custom_color_3);--awb-line-height:34px;--awb-icon-width:34px;--awb-icon-height:34px;--awb-icon-margin:14px;--awb-content-margin:48px;--awb-circlecolor:var(--awb-custom12);--awb-circle-yes-font-size:17.6px;\" class=\"fusion-checklist fusion-checklist-2 fusion-checklist-default type-icons\"><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-yes\"><i class=\"fusion-li-icon fa-check fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">Maatwerk en persoonlijke begeleiding<\/div><\/li><\/ul><ul style=\"--awb-size:20px;--awb-iconcolor:var(--awb-custom_color_3);--awb-textcolor:var(--awb-custom_color_3);--awb-line-height:34px;--awb-icon-width:34px;--awb-icon-height:34px;--awb-icon-margin:14px;--awb-content-margin:48px;--awb-circlecolor:var(--awb-custom12);--awb-circle-yes-font-size:17.6px;\" class=\"fusion-checklist fusion-checklist-3 fusion-checklist-default type-icons\"><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-yes\"><i class=\"fusion-li-icon fa-check fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">Gericht op rust en continu\u00efteit<\/div><\/li><\/ul><\/div><\/div><\/div><\/div>\n<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 fusion-flex-container has-pattern-background has-mask-background hundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:5%;--awb-padding-bottom:5%;--awb-padding-top-small:10%;--awb-padding-bottom-small:10%;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-stretch fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"width:105% !important;max-width:105% !important;margin-left: calc(-5% \/ 2 );margin-right: calc(-5% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_2_5 2_5 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:40%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.9375%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:5.9375%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:4.75%;--awb-spacing-left-medium:4.75%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:2.375%;--awb-margin-bottom-small:30px;--awb-spacing-left-small:2.375%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-center fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-3 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:15px;--awb-margin-left-small:0px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:25;line-height:var(--awb-typography2-line-height);\">Wanneer schulden het ondernemerschap onder druk zetten<\/h2><\/div><div class=\"fusion-text fusion-text-1 fusion-text-no-margin\" style=\"--awb-margin-bottom:0px;\"><p>Financi\u00eble problemen binnen een onderneming worden snel complex. Verplichtingen lopen door, schuldeisers melden zich en de druk op liquiditeit neemt toe. Wat beheersbaar leek, kan uitgroeien tot een situatie waarin overzicht ontbreekt.<\/p>\n<p>Juist dan is het belangrijk om rust en duidelijkheid te cre\u00ebren.<\/p>\n<p>IMK SHVO begeleidt ondernemers via een zorgvuldig minnelijk schuldsaneringstraject. Wij werken volgens de richtlijnen van de NVVK en zoeken samen met alle betrokken partijen naar een realistische regeling die voor zowel de ondernemer als de schuldeisers werkbaar is.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_2_5 2_5 fusion-flex-column fusion-flex-align-self-stretch\" style=\"--awb-overflow:hidden;--awb-bg-position:center center;--awb-bg-size:cover;--awb-border-radius:5px 5px 5px 5px;--awb-width-large:40%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.9375%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:5.9375%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:4.75%;--awb-spacing-left-medium:4.75%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:2.375%;--awb-spacing-left-small:2.375%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper lazyload fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column fusion-empty-column-bg-image fusion-column-has-bg-image\" data-bg-url=\"https:\/\/imk.nl\/shvo\/wp-content\/uploads\/sites\/4\/2026\/01\/SHVO-probleem-scaled.jpg\" data-bg=\"https:\/\/imk.nl\/shvo\/wp-content\/uploads\/sites\/4\/2026\/01\/SHVO-probleem-scaled.jpg\"><img decoding=\"async\" class=\"fusion-empty-dims-img-placeholder fusion-no-large-visibility fusion-no-medium-visibility\" aria-label=\"SHVO-probleem\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%272500%27%20height%3D%271680%27%20viewBox%3D%270%200%202500%201680%27%3E%3Crect%20width%3D%272500%27%20height%3D%271680%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\"><\/div><\/div><\/div><\/div>\n<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-4 fusion-flex-container has-pattern-background has-mask-background hundred-percent-fullwidth non-hundred-percent-height-scrolling opleiding-toggle\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:5%;--awb-padding-bottom:10%;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-stretch fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"width:calc( 100% + 45px ) !important;max-width:calc( 100% + 45px ) !important;margin-left: calc(-45px \/ 2 );margin-right: calc(-45px \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-6 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:90%;--awb-margin-top-large:0px;--awb-spacing-right-large:22.5px;--awb-margin-bottom-large:30px;--awb-spacing-left-large:22.5px;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:22.5px;--awb-spacing-left-medium:22.5px;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:22.5px;--awb-spacing-left-small:22.5px;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-4 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:15px;--awb-margin-left-small:0px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:25;line-height:var(--awb-typography2-line-height);\">Onze diensten<\/h2><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-7 fusion-flex-column\" style=\"--awb-padding-top:45px;--awb-padding-right:45px;--awb-padding-bottom:45px;--awb-padding-left:45px;--awb-padding-right-small:7.5%;--awb-padding-left-small:7.5%;--awb-overflow:hidden;--awb-bg-size:cover;--awb-box-shadow:0px 15px 30px 0px var(--awb-custom_color_16);;--awb-border-color:var(--awb-custom_color_14);--awb-border-top:1px;--awb-border-right:1px;--awb-border-bottom:1px;--awb-border-left:1px;--awb-border-style:solid;--awb-border-radius:15px 15px 15px 15px;--awb-width-large:30%;--awb-margin-top-large:0px;--awb-spacing-right-large:22.5px;--awb-margin-bottom-large:0px;--awb-spacing-left-large:22.5px;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:22.5px;--awb-margin-bottom-medium:60px;--awb-spacing-left-medium:22.5px;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:22.5px;--awb-margin-bottom-small:30px;--awb-spacing-left-small:22.5px;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-content-boxes content-boxes columns row fusion-columns-1 fusion-columns-total-1 fusion-content-boxes-1 content-boxes-icon-with-title content-left\" style=\"--awb-title-color:var(--awb-color4);--awb-iconcolor:var(--awb-custom_color_3);--awb-iconcolor-hover:var(--awb-custom_color_3);--awb-circlecolor-hover:var(--awb-custom_color_13);--awb-item-margin-bottom:0px;--awb-margin-top:5px;--awb-margin-bottom:15px;--awb-hover-accent-color:var(--awb-color4);--awb-circle-hover-accent-color:var(--awb-color4);\" data-animationOffset=\"top-into-view\"><div style=\"--awb-backgroundcolor:var(--awb-custom_color_7);--awb-iconcolor:var(--awb-custom_color_3);--awb-iconcolor-hover:var(--awb-custom_color_3);--awb-circlecolor-hover:var(--awb-custom_color_13);\" class=\"fusion-column content-box-column content-box-column content-box-column-1 col-lg-12 col-md-12 col-sm-12 fusion-content-box-hover content-box-column-last content-box-column-last-in-row\"><div class=\"col content-box-wrapper content-wrapper link-area-link-icon icon-hover-animation-fade\" data-animationOffset=\"top-into-view\"><div class=\"heading heading-with-icon icon-left\"><div class=\"icon\"><i style=\"border-color:var(--awb-custom_color_7);border-width:0px;background-color:var(--awb-custom_color_13);box-sizing:content-box;height:60px;width:60px;line-height:60px;border-radius:50%;font-size:30px;\" aria-hidden=\"true\" class=\"fontawesome-icon fa-graduation-cap fas circle-yes\"><\/i><\/div><h3 class=\"content-box-heading fusion-responsive-typography-calculated\" style=\"--h3_typography-font-size:20px;--fontSize:20;line-height:var(--awb-typography3-line-height);\">Opleiding<\/h3><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><div class=\"fusion-title title fusion-title-5 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:15px;--awb-margin-left-small:0px;\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:20;--minFontSize:20;line-height:var(--awb-typography3-line-height);\">Schuldhulpverlening voor ondernemers<\/h3><\/div><div class=\"fusion-text fusion-text-2 fusion-text-no-margin\" style=\"--awb-margin-bottom:-10px;\"><p>Wij verzorgen een praktijkgerichte opleiding voor professionals die werken met ondernemers met financi\u00eble problemen. In deze opleiding behandelen we:<\/p>\n<\/div><div class=\"accordian fusion-accordian\" style=\"--awb-padding-bottom:30px;--awb-border-size:1px;--awb-icon-size:20px;--awb-content-font-size:var(--awb-typography4-font-size);--awb-content-letter-spacing:var(--awb-typography4-letter-spacing);--awb-content-text-transform:var(--awb-typography4-text-transform);--awb-content-line-height:var(--awb-typography4-line-height);--awb-icon-alignment:right;--awb-hover-color:var(--awb-custom_color_3);--awb-border-color:var(--awb-color7);--awb-background-color:var(--awb-custom_color_3);--awb-divider-color:var(--awb-color3);--awb-divider-hover-color:var(--awb-color3);--awb-icon-color:var(--awb-color2);--awb-title-color:var(--awb-color2);--awb-content-color:var(--awb-color2);--awb-icon-box-color:var(--awb-color2);--awb-toggle-hover-accent-color:var(--awb-color2);--awb-toggle-active-accent-color:var(--awb-color2);--awb-title-font-family:var(--awb-typography4-font-family);--awb-title-font-weight:var(--awb-typography4-font-weight);--awb-title-font-style:var(--awb-typography4-font-style);--awb-title-font-size:var(--awb-typography4-font-size);--awb-title-letter-spacing:var(--awb-typography4-letter-spacing);--awb-title-line-height:var(--awb-typography4-line-height);--awb-title-text-transform:var(--awb-typography4-text-transform);--awb-content-font-family:var(--awb-typography4-font-family);--awb-content-font-weight:var(--awb-typography4-font-weight);--awb-content-font-style:var(--awb-typography4-font-style);\"><div class=\"panel-group fusion-toggle-icon-right fusion-toggle-icon-unboxed\" id=\"accordion-27-1\"><div class=\"fusion-panel panel-default panel-29cb3fdefb9984007 fusion-toggle-no-divider\"><div class=\"panel-heading\"><div class=\"panel-title toggle\" id=\"toggle_29cb3fdefb9984007\"><a aria-expanded=\"false\" aria-controls=\"29cb3fdefb9984007\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-27-1\" data-target=\"#29cb3fdefb9984007\" href=\"#29cb3fdefb9984007\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon fa-angle-up fas\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon fa-angle-down fas\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Lees verder...<\/span><\/a><\/div><\/div><div id=\"29cb3fdefb9984007\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_29cb3fdefb9984007\"><div class=\"panel-body toggle-content fusion-clearfix\">het minnelijk traject voor ondernemers, juridische en financi\u00eble aspecten van ondernemerschap en effectieve begeleiding van ondernemers onder financi\u00eble druk.<\/p>\n<p>Onze opleiding is geschikt voor onder andere schuldhulpverleners, gemeentelijke consulenten, accountants, coaches en adviseurs.<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;flex-grow:1;width:100%;\"><\/div><div ><a class=\"fusion-button button-flat fusion-button-default-size button-custom fusion-button-default button-3 fusion-button-default-span fusion-button-default-type\" style=\"--awb-padding-top:0px;--awb-padding-right:0px;--awb-padding-bottom:0px;--awb-padding-left:0px;--button_accent_color:var(--awb-color2);--button_border_color:var(--awb-custom_color_7);--button_accent_hover_color:var(--awb-custom12);--button_border_hover_color:var(--awb-custom_color_7);--button_border_width-top:0px;--button_border_width-right:0px;--button_border_width-bottom:0px;--button_border_width-left:0px;--button_gradient_top_color:var(--awb-custom_color_7);--button_gradient_bottom_color:var(--awb-custom_color_7);--button_gradient_top_color_hover:var(--awb-custom_color_7);--button_gradient_bottom_color_hover:var(--awb-custom_color_7);--button_text_transform:var(--awb-typography3-text-transform);--button_font_size:16px;--button_line_height:var(--awb-typography3-line-height);--button_typography-letter-spacing:var(--awb-typography3-letter-spacing);--button_typography-font-family:&quot;Plus Jakarta Sans&quot;;--button_typography-font-style:normal;--button_typography-font-weight:400;\" target=\"_self\" href=\"https:\/\/imk.nl\/shvo\/diensten\/coaching-en-training\/\"><i class=\"fa-arrow-right fas awb-button__icon awb-button__icon--default button-icon-left\" aria-hidden=\"true\"><\/i><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Bekijk dienst<\/span><\/a><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-8 fusion-flex-column\" style=\"--awb-padding-top:45px;--awb-padding-right:45px;--awb-padding-bottom:45px;--awb-padding-left:45px;--awb-padding-right-small:7.5%;--awb-padding-left-small:7.5%;--awb-overflow:hidden;--awb-bg-size:cover;--awb-box-shadow:0px 15px 30px 0px var(--awb-custom_color_16);;--awb-border-radius:15px 15px 15px 15px;--awb-width-large:30%;--awb-margin-top-large:0px;--awb-spacing-right-large:22.5px;--awb-margin-bottom-large:0px;--awb-spacing-left-large:22.5px;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:22.5px;--awb-spacing-left-medium:22.5px;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:22.5px;--awb-margin-bottom-small:30px;--awb-spacing-left-small:22.5px;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><i class=\"fb-icon-element-1 fb-icon-element fontawesome-icon fa-chart-bar fas circle-yes fusion-text-flow\" style=\"--awb-circlecolor:var(--awb-custom_color_13);--awb-circlecolor-hover:var(--awb-custom_color_13);--awb-circlebordercolor-hover:var(--awb-color8);--awb-circlebordersize:0px;--awb-font-size:30.8px;--awb-width:61.6px;--awb-height:61.6px;--awb-line-height:61.6px;--awb-margin-bottom:30px;\"><\/i><div class=\"fusion-title title fusion-title-6 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:15px;--awb-margin-left-small:0px;\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:20;--minFontSize:20;line-height:var(--awb-typography3-line-height);\">Schuldhulpverlening voor ondernemers<\/h3><\/div><div class=\"fusion-text fusion-text-3 fusion-text-no-margin\" style=\"--awb-margin-bottom:30px;\"><p>Wij begeleiden ondernemers via het minnelijk schuldsaneringstraject (MSNP). Samen brengen we de financi\u00eble situatie in kaart, onderhandelen met schuldeisers en werken toe naar een realistische regeling.<\/p>\n<\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;flex-grow:1;width:100%;\"><\/div><div ><a class=\"fusion-button button-flat fusion-button-default-size button-custom fusion-button-default button-4 fusion-button-default-span fusion-button-default-type\" style=\"--awb-padding-top:0px;--awb-padding-right:0px;--awb-padding-bottom:0px;--awb-padding-left:0px;--button_accent_color:var(--awb-color2);--button_border_color:var(--awb-custom_color_7);--button_accent_hover_color:var(--awb-custom12);--button_border_hover_color:var(--awb-custom_color_7);--button_border_width-top:0px;--button_border_width-right:0px;--button_border_width-bottom:0px;--button_border_width-left:0px;--button_gradient_top_color:var(--awb-custom_color_7);--button_gradient_bottom_color:var(--awb-custom_color_7);--button_gradient_top_color_hover:var(--awb-custom_color_7);--button_gradient_bottom_color_hover:var(--awb-custom_color_7);--button_text_transform:var(--awb-typography3-text-transform);--button_font_size:16px;--button_line_height:var(--awb-typography3-line-height);--button_typography-letter-spacing:var(--awb-typography3-letter-spacing);--button_typography-font-family:&quot;Plus Jakarta Sans&quot;;--button_typography-font-style:normal;--button_typography-font-weight:400;\" target=\"_self\" href=\"https:\/\/imk.nl\/shvo\/diensten\/schuldhulpverlening\/\"><i class=\"fa-arrow-right fas awb-button__icon awb-button__icon--default button-icon-left\" aria-hidden=\"true\"><\/i><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Bekijk dienst<\/span><\/a><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-9 fusion-flex-column\" style=\"--awb-padding-top:45px;--awb-padding-right:45px;--awb-padding-bottom:45px;--awb-padding-left:45px;--awb-padding-right-small:7.5%;--awb-padding-left-small:7.5%;--awb-overflow:hidden;--awb-bg-size:cover;--awb-box-shadow:0px 15px 30px 0px var(--awb-custom_color_16);;--awb-border-radius:15px 15px 15px 15px;--awb-width-large:30%;--awb-margin-top-large:0px;--awb-spacing-right-large:22.5px;--awb-margin-bottom-large:0px;--awb-spacing-left-large:22.5px;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:22.5px;--awb-spacing-left-medium:22.5px;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:22.5px;--awb-margin-bottom-small:30px;--awb-spacing-left-small:22.5px;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><i class=\"fb-icon-element-2 fb-icon-element fontawesome-icon fa-user-check fas circle-yes fusion-text-flow\" style=\"--awb-circlecolor:var(--awb-custom_color_13);--awb-circlecolor-hover:var(--awb-custom_color_13);--awb-circlebordercolor-hover:var(--awb-color8);--awb-circlebordersize:0px;--awb-font-size:30.8px;--awb-width:61.6px;--awb-height:61.6px;--awb-line-height:61.6px;--awb-margin-bottom:30px;\"><\/i><div class=\"fusion-title title fusion-title-7 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:15px;--awb-margin-left-small:0px;\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:20;--minFontSize:20;line-height:var(--awb-typography3-line-height);\">Detachering van specialisten<\/h3><\/div><div class=\"fusion-text fusion-text-4 fusion-text-no-margin\" style=\"--awb-margin-bottom:30px;\"><p>Gemeenten en organisaties kunnen gebruikmaken van onze gespecialiseerde SHVO-professionals. Onze specialisten combineren kennis van schuldhulpverlening met inzicht in ondernemerschap.<\/p>\n<\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;flex-grow:1;width:100%;\"><\/div><div ><a class=\"fusion-button button-flat fusion-button-default-size button-custom fusion-button-default button-5 fusion-button-default-span fusion-button-default-type\" style=\"--awb-padding-top:0px;--awb-padding-right:0px;--awb-padding-bottom:0px;--awb-padding-left:0px;--button_accent_color:var(--awb-color2);--button_border_color:var(--awb-custom_color_7);--button_accent_hover_color:var(--awb-custom12);--button_border_hover_color:var(--awb-custom_color_7);--button_border_width-top:0px;--button_border_width-right:0px;--button_border_width-bottom:0px;--button_border_width-left:0px;--button_gradient_top_color:var(--awb-custom_color_7);--button_gradient_bottom_color:var(--awb-custom_color_7);--button_gradient_top_color_hover:var(--awb-custom_color_7);--button_gradient_bottom_color_hover:var(--awb-custom_color_7);--button_text_transform:var(--awb-typography3-text-transform);--button_font_size:16px;--button_line_height:var(--awb-typography3-line-height);--button_typography-letter-spacing:var(--awb-typography3-letter-spacing);--button_typography-font-family:&quot;Plus Jakarta Sans&quot;;--button_typography-font-style:normal;--button_typography-font-weight:400;\" target=\"_self\" href=\"https:\/\/imk.nl\/shvo\/diensten\/detachering\/\"><i class=\"fa-arrow-right fas awb-button__icon awb-button__icon--default button-icon-left\" aria-hidden=\"true\"><\/i><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Bekijk dienst<\/span><\/a><\/div><\/div><\/div><\/div><\/div>\n<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-5 fusion-flex-container has-pattern-background has-mask-background hundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:0px;--awb-padding-right:0px;--awb-padding-bottom:0px;--awb-padding-left:0px;--awb-background-color:var(--awb-custom_color_14);--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-stretch fusion-flex-justify-content-space-between fusion-flex-content-wrap\" style=\"width:calc( 100% + 0px ) !important;max-width:calc( 100% + 0px ) !important;margin-left: calc(-0px \/ 2 );margin-right: calc(-0px \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-10 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-padding-top-small:50%;--awb-bg-position:center center;--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:0px;--awb-margin-bottom-large:0px;--awb-spacing-left-large:0px;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:0px;--awb-spacing-left-medium:0px;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:0px;--awb-spacing-left-small:0px;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper lazyload fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column fusion-empty-column-bg-image fusion-column-has-bg-image\" data-bg-url=\"https:\/\/imk.nl\/shvo\/wp-content\/uploads\/sites\/4\/2026\/01\/SHVO-gids.png\" data-bg=\"https:\/\/imk.nl\/shvo\/wp-content\/uploads\/sites\/4\/2026\/01\/SHVO-gids.png\"><img decoding=\"async\" class=\"fusion-empty-dims-img-placeholder fusion-no-large-visibility fusion-no-medium-visibility\" aria-label=\"SHVO-gids\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%271080%27%20height%3D%271160%27%20viewBox%3D%270%200%201080%201160%27%3E%3Crect%20width%3D%271080%27%20height%3D%271160%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\"><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-11 fusion_builder_column_2_5 2_5 fusion-flex-column\" style=\"--awb-padding-top:15%;--awb-padding-right:75px;--awb-padding-bottom:15%;--awb-padding-left:75px;--awb-padding-right-small:5%;--awb-padding-left-small:5%;--awb-bg-size:cover;--awb-width-large:40%;--awb-margin-top-large:0px;--awb-spacing-right-large:0px;--awb-margin-bottom-large:0px;--awb-spacing-left-large:0px;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:0px;--awb-spacing-left-medium:0px;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:0px;--awb-spacing-left-small:0px;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-center fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-8 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-text-color:var(--awb-custom_color_3);--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:15px;--awb-margin-left-small:0px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:25;line-height:var(--awb-typography2-line-height);\">Hoe wij ondernemers begeleiden<\/h2><\/div><div class=\"accordian fusion-accordian\" style=\"margin-bottom:30px;--awb-margin-bottom:30px;--awb-border-size:1px;--awb-icon-size:20px;--awb-content-font-size:var(--awb-typography4-font-size);--awb-icon-alignment:right;--awb-hover-color:var(--awb-custom_color_3);--awb-border-color:var(--awb-color7);--awb-background-color:var(--awb-custom_color_3);--awb-divider-color:var(--awb-color3);--awb-divider-hover-color:var(--awb-color3);--awb-icon-color:var(--awb-color2);--awb-title-color:var(--awb-custom_color_3);--awb-content-color:var(--awb-custom_color_3);--awb-icon-box-color:var(--awb-color2);--awb-toggle-hover-accent-color:var(--awb-color2);--awb-toggle-active-accent-color:var(--awb-color2);--awb-title-font-family:var(--awb-typography3-font-family);--awb-title-font-weight:var(--awb-typography3-font-weight);--awb-title-font-style:var(--awb-typography3-font-style);--awb-title-font-size:var(--awb-typography4-font-size);--awb-title-letter-spacing:var(--awb-typography3-letter-spacing);--awb-title-line-height:var(--awb-typography3-line-height);--awb-content-font-family:var(--awb-typography4-font-family);--awb-content-font-weight:var(--awb-typography4-font-weight);--awb-content-font-style:var(--awb-typography4-font-style);\"><div class=\"panel-group fusion-toggle-icon-right fusion-toggle-icon-unboxed\" id=\"accordion-27-2\"><div class=\"fusion-panel panel-default panel-04b5109c9f818b030 fusion-toggle-no-divider fusion-toggle-boxed-mode\" style=\"--awb-title-color:var(--awb-color2);--awb-content-color:var(--awb-color2);\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_04b5109c9f818b030\"><a class=\"active\" aria-expanded=\"true\" aria-controls=\"04b5109c9f818b030\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-27-2\" data-target=\"#04b5109c9f818b030\" href=\"#04b5109c9f818b030\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Schuldhulpverlening voor ondernemers (MSNP)<\/span><\/a><\/h4><\/div><div id=\"04b5109c9f818b030\" class=\"panel-collapse collapse in\" aria-labelledby=\"toggle_04b5109c9f818b030\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>In opdracht van gemeenten begeleiden wij ondernemers stap voor stap door het minnelijk schuldsaneringstraject. We brengen de financi\u00eble situatie volledig in kaart, onderhandelen met schuldeisers en maken duidelijke afspraken.<\/p>\n<p>De ondernemer zet de volledige afloscapaciteit in. Dat vraagt inzet en discipline. Wij zorgen voor structuur, begeleiding en realistische doelen.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-34a376b6ef0198ed0 fusion-toggle-no-divider fusion-toggle-boxed-mode\" style=\"--awb-title-color:var(--awb-color2);--awb-content-color:var(--awb-color2);\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_34a376b6ef0198ed0\"><a aria-expanded=\"false\" aria-controls=\"34a376b6ef0198ed0\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-27-2\" data-target=\"#34a376b6ef0198ed0\" href=\"#34a376b6ef0198ed0\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Toekomst van de onderneming<\/span><\/a><\/h4><\/div><div id=\"34a376b6ef0198ed0\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_34a376b6ef0198ed0\"><div class=\"panel-body toggle-content fusion-clearfix\">Samen met externe Bbz-deskundigen beoordelen we de levensvatbaarheid van de onderneming. Wanneer voortzetting mogelijk is, begeleiden we richting herstel. Wanneer be\u00ebindiging noodzakelijk is, zorgen we voor een zorgvuldige afronding.<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-0e171446bad369aac fusion-toggle-no-divider fusion-toggle-boxed-mode\" style=\"--awb-title-color:var(--awb-color2);--awb-content-color:var(--awb-color2);\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_0e171446bad369aac\"><a aria-expanded=\"false\" aria-controls=\"0e171446bad369aac\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-27-2\" data-target=\"#0e171446bad369aac\" href=\"#0e171446bad369aac\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Meer dan schuldhulp<\/span><\/a><\/h4><\/div><div id=\"0e171446bad369aac\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_0e171446bad369aac\"><div class=\"panel-body toggle-content fusion-clearfix\">Naast begeleiding van ondernemers zetten wij ons in voor verdere professionalisering van schuldhulpverlening voor ondernemers.<br \/>\nDoor opleiding, praktijkervaring en samenwerking met gemeenten delen wij kennis en helpen wij professionals om ondernemers beter te begeleiden bij financi\u00eble problematiek.<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-stretch fusion-flex-justify-content-space-between fusion-flex-content-wrap\" style=\"--awb-flex-grow:0;--awb-flex-grow-medium:0;--awb-flex-grow-small:0;--awb-flex-shrink:0;--awb-flex-shrink-medium:0;--awb-flex-shrink-small:0;width:calc( 100% + 0px ) !important;max-width:calc( 100% + 0px ) !important;margin-left: calc(-0px \/ 2 );margin-right: calc(-0px \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-0 fusion_builder_column_inner_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:0px;--awb-margin-bottom-large:30px;--awb-spacing-left-large:0px;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:0px;--awb-spacing-left-medium:0px;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:0px;--awb-spacing-left-small:0px;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-row fusion-flex-align-items-center\"><div ><a class=\"fusion-button button-flat fusion-button-default-size button-custom fusion-button-default button-6 fusion-button-default-span fusion-button-default-type\" style=\"--awb-margin-bottom:10px;--button_accent_color:var(--awb-custom_color_3);--button_accent_hover_color:var(--awb-custom_color_3);--button_border_hover_color:var(--awb-custom13);--button_gradient_top_color:var(--awb-custom12);--button_gradient_bottom_color:var(--awb-custom12);--button_gradient_top_color_hover:var(--awb-custom13);--button_gradient_bottom_color_hover:var(--awb-custom13);\" target=\"_self\" href=\"https:\/\/imk.nl\/shvo\/maak-een-afspraak\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Maak een afspraak<\/span><\/a><\/div>\n<div style=\"display:block; width:20px; height:20px;\"><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-12 fusion-flex-column fusion-no-small-visibility fusion-no-medium-visibility\" style=\"--awb-bg-size:cover;--awb-width-large:5%;--awb-margin-top-large:0px;--awb-spacing-right-large:0px;--awb-margin-bottom-large:30px;--awb-spacing-left-large:0px;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:0px;--awb-spacing-left-medium:0px;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:0px;--awb-spacing-left-small:0px;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><\/div><\/div><\/div><\/div>\n<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-6 fusion-flex-container has-pattern-background has-mask-background hundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:2.5%;--awb-padding-bottom:2.5%;--awb-background-color:var(--awb-custom_color_10);--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"width:calc( 100% + 0px ) !important;max-width:calc( 100% + 0px ) !important;margin-left: calc(-0px \/ 2 );margin-right: calc(-0px \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-13 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:30%;--awb-margin-top-large:0px;--awb-spacing-right-large:0px;--awb-margin-bottom-large:30px;--awb-spacing-left-large:0px;--awb-width-medium:33.333333333333%;--awb-order-medium:0;--awb-spacing-right-medium:0px;--awb-spacing-left-medium:0px;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:0px;--awb-margin-bottom-small:0px;--awb-spacing-left-small:0px;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-5 fusion-text-no-margin\" style=\"--awb-font-size:45px;--awb-line-height:var(--awb-typography1-line-height);--awb-letter-spacing:var(--awb-typography1-letter-spacing);--awb-text-transform:var(--awb-typography1-text-transform);--awb-text-color:var(--awb-custom_color_13);--awb-margin-bottom:0px;--awb-text-font-family:var(--awb-typography1-font-family);--awb-text-font-weight:var(--awb-typography1-font-weight);--awb-text-font-style:var(--awb-typography1-font-style);\"><p>30+ <span style=\"font-size: 20px;\">jaar ervaring<\/span><\/p>\n<\/div><div class=\"fusion-text fusion-text-6\"><p>in schuldhulpverlening voor ondernemers<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-14 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:30%;--awb-margin-top-large:0px;--awb-spacing-right-large:0px;--awb-margin-bottom-large:30px;--awb-spacing-left-large:0px;--awb-width-medium:33.333333333333%;--awb-order-medium:0;--awb-spacing-right-medium:0px;--awb-spacing-left-medium:0px;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:0px;--awb-margin-bottom-small:0px;--awb-spacing-left-small:0px;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-7 fusion-text-no-margin\" style=\"--awb-font-size:45px;--awb-line-height:var(--awb-typography1-line-height);--awb-letter-spacing:var(--awb-typography1-letter-spacing);--awb-text-transform:var(--awb-typography1-text-transform);--awb-text-color:var(--awb-custom_color_13);--awb-margin-bottom:0px;--awb-text-font-family:var(--awb-typography1-font-family);--awb-text-font-weight:var(--awb-typography1-font-weight);--awb-text-font-style:var(--awb-typography1-font-style);\"><p>15+ <span style=\"font-size: 20px;\">jaar ervaring<\/span><\/p>\n<\/div><div class=\"fusion-text fusion-text-8\"><p>in coaching, gedragsverandering en opleiding<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-15 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:30%;--awb-margin-top-large:0px;--awb-spacing-right-large:0px;--awb-margin-bottom-large:30px;--awb-spacing-left-large:0px;--awb-width-medium:33.333333333333%;--awb-order-medium:0;--awb-spacing-right-medium:0px;--awb-spacing-left-medium:0px;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:0px;--awb-spacing-left-small:0px;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-9 fusion-text-no-margin\" style=\"--awb-font-size:45px;--awb-line-height:var(--awb-typography1-line-height);--awb-letter-spacing:var(--awb-typography1-letter-spacing);--awb-text-transform:var(--awb-typography1-text-transform);--awb-text-color:var(--awb-custom_color_13);--awb-margin-bottom:0px;--awb-text-font-family:var(--awb-typography1-font-family);--awb-text-font-weight:var(--awb-typography1-font-weight);--awb-text-font-style:var(--awb-typography1-font-style);\"><p>10+ <span style=\"font-size: 20px;\">jaar ervaring<\/span><\/p>\n<\/div><div class=\"fusion-text fusion-text-10\"><p>als kwartiermaker en adviseur in het sociaal domein<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-7 fusion-flex-container has-pattern-background has-mask-background hundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:5%;--awb-padding-bottom:10%;--awb-padding-top-small:10%;--awb-background-color:var(--awb-custom_color_11);--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center fusion-flex-align-content-center fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"width:105% !important;max-width:105% !important;margin-left: calc(-5% \/ 2 );margin-right: calc(-5% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-16 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:90%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.6388888888889%;--awb-margin-bottom-large:30px;--awb-spacing-left-large:2.6388888888889%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:2.375%;--awb-spacing-left-medium:2.375%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:2.375%;--awb-spacing-left-small:2.375%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-9 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:15px;--awb-margin-left-small:0px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:25;line-height:var(--awb-typography2-line-height);\">Hoe anderen onze begeleiding ervaren<\/h2><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-17 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:90%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.6388888888889%;--awb-margin-bottom-large:30px;--awb-spacing-left-large:2.6388888888889%;--awb-width-medium:33.333333333333%;--awb-order-medium:0;--awb-spacing-right-medium:7.125%;--awb-spacing-left-medium:7.125%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:2.375%;--awb-margin-bottom-small:30px;--awb-spacing-left-small:2.375%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-testimonials classic awb-speech-bubble-show fusion-testimonials-1\" style=\"--awb-textcolor:var(--awb-color2);--awb-testimonial-text-font-size:20px;--awb-testimonial-text-line-height:var(--awb-typography4-line-height);--awb-testimonial-text-letter-spacing:var(--awb-typography4-letter-spacing);--awb-testimonial-text-text-transform:var(--awb-typography4-text-transform);--awb-backgroundcolor:var(--awb-custom_color_3);--awb-testimonial-border-style:solid;--awb-testimonial-border-color:var(--awb-color7);--awb-navigation-size:12px;--awb-border-top-left-radius:0px;--awb-border-top-right-radius:0px;--awb-border-bottom-left-radius:0px;--awb-border-bottom-right-radius:0px;--testimonial-border-width-top:0px;--testimonial-border-width-right:0px;--testimonial-border-width-bottom:0px;--testimonial-border-width-left:0px;--awb-testimonial-text-font-family:&quot;Plus Jakarta Sans&quot;;--awb-testimonial-text-font-style:italic;--awb-testimonial-text-font-weight:300;\" data-random=\"1\" data-speed=\"4000\"><div class=\"reviews\"><div class=\"review active-testimonial alignment-left avatar-image\"><blockquote><div class=\"awb-quote\"><div class=\"awb-quote-content\">Ik heb de training als zeer prettig ervaren. De docent gaf rustig en helder uitleg, was duidelijk bekwaam en bracht veel praktijkervaringen in, wat de stof goed begrijpelijk en herkenbaar maakte. Vooral het onderdeel over de VOF vond ik erg waardevol. Dit gaf mij concrete inzichten en handvatten die goed aansluiten bij mijn werk met ondernemers. De training bood voldoende ruimte voor verdieping en praktijkvoorbeelden, waardoor ik het geleerde ook daadwerkelijk kan toepassen. Nu is het aan mij om dit verder in de praktijk te brengen.<\/div><\/div><span class=\"awb-triangle\"><\/span><\/blockquote><div class=\"author\"><span class=\"testimonial-thumbnail\"><img decoding=\"async\" class=\"testimonial-image lazyload\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%272050%27%20height%3D%271864%27%20viewBox%3D%270%200%202050%201864%27%3E%3Crect%20width%3D%272050%27%20height%3D%271864%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" width=\"1024\" height=\"931\" style=\"--awb-border-radius:50%;\" data-orig-src=\"https:\/\/imk.nl\/shvo\/wp-content\/uploads\/sites\/4\/2026\/05\/Nancy-Feenstra-1024x931.jpg\" \/><\/span><span class=\"company-name\"><strong>Nancy Feenstra<\/strong><span>, <\/span><span>Consulent Bbz \/ IOAZ Zelfstandigenloket Purmerend <\/span><\/span><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-18 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:30%;--awb-margin-top-large:0px;--awb-spacing-right-large:7.9166666666667%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:7.9166666666667%;--awb-width-medium:33.333333333333%;--awb-order-medium:0;--awb-spacing-right-medium:7.125%;--awb-spacing-left-medium:7.125%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:2.375%;--awb-margin-bottom-small:30px;--awb-spacing-left-small:2.375%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-testimonials classic awb-speech-bubble-show fusion-testimonials-2\" style=\"--awb-textcolor:var(--awb-color2);--awb-testimonial-text-font-size:20px;--awb-testimonial-text-line-height:var(--awb-typography4-line-height);--awb-testimonial-text-letter-spacing:var(--awb-typography4-letter-spacing);--awb-testimonial-text-text-transform:var(--awb-typography4-text-transform);--awb-backgroundcolor:var(--awb-custom_color_3);--awb-testimonial-border-style:solid;--awb-testimonial-border-color:var(--awb-color7);--awb-navigation-size:12px;--awb-border-top-left-radius:0px;--awb-border-top-right-radius:0px;--awb-border-bottom-left-radius:0px;--awb-border-bottom-right-radius:0px;--testimonial-border-width-top:0px;--testimonial-border-width-right:0px;--testimonial-border-width-bottom:0px;--testimonial-border-width-left:0px;--awb-testimonial-text-font-family:&quot;Plus Jakarta Sans&quot;;--awb-testimonial-text-font-style:italic;--awb-testimonial-text-font-weight:300;\" data-random=\"1\" data-speed=\"4000\"><div class=\"reviews\"><div class=\"review active-testimonial alignment-left avatar-image\"><blockquote><div class=\"awb-quote\"><div class=\"awb-quote-content\">Ik dacht dat mijn bedrijf niet meer te redden was. De schulden stapelden zich op, en ik wist niet waar ik moest beginnen. Dankzij Bovenkrijger heb ik niet alleen mijn financi\u00ebn op orde gekregen, maar ook geleerd hoe ik mijn bedrijf effici\u00ebnter kan runnen.<\/div><\/div><span class=\"awb-triangle\"><\/span><\/blockquote><div class=\"author\"><span class=\"testimonial-thumbnail\"><img decoding=\"async\" class=\"testimonial-image lazyload\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27376%27%20height%3D%27366%27%20viewBox%3D%270%200%20376%20366%27%3E%3Crect%20width%3D%27376%27%20height%3D%27366%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" width=\"376\" height=\"366\" style=\"--awb-border-radius:50%;\" data-orig-src=\"https:\/\/imk.nl\/shvo\/wp-content\/uploads\/sites\/4\/2026\/01\/Sander-Janssens.png\" \/><\/span><span class=\"company-name\"><strong>Sander Janssens<\/strong><span>, <\/span><span>Eigenaar fysiopraktijk<\/span><\/span><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-19 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:30%;--awb-margin-top-large:0px;--awb-spacing-right-large:7.9166666666667%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:7.9166666666667%;--awb-width-medium:33.333333333333%;--awb-order-medium:0;--awb-spacing-right-medium:7.125%;--awb-spacing-left-medium:7.125%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:2.375%;--awb-margin-bottom-small:30px;--awb-spacing-left-small:2.375%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-testimonials classic awb-speech-bubble-show fusion-testimonials-3\" style=\"--awb-textcolor:var(--awb-color2);--awb-testimonial-text-font-size:20px;--awb-testimonial-text-line-height:var(--awb-typography4-line-height);--awb-testimonial-text-letter-spacing:var(--awb-typography4-letter-spacing);--awb-testimonial-text-text-transform:var(--awb-typography4-text-transform);--awb-backgroundcolor:var(--awb-custom_color_3);--awb-testimonial-border-style:solid;--awb-testimonial-border-color:var(--awb-color7);--awb-navigation-size:12px;--awb-border-top-left-radius:0px;--awb-border-top-right-radius:0px;--awb-border-bottom-left-radius:0px;--awb-border-bottom-right-radius:0px;--testimonial-border-width-top:0px;--testimonial-border-width-right:0px;--testimonial-border-width-bottom:0px;--testimonial-border-width-left:0px;--awb-testimonial-text-font-family:&quot;Plus Jakarta Sans&quot;;--awb-testimonial-text-font-style:italic;--awb-testimonial-text-font-weight:300;\" data-random=\"1\" data-speed=\"4000\"><div class=\"reviews\"><div class=\"review active-testimonial alignment-left avatar-image\"><blockquote><div class=\"awb-quote\"><div class=\"awb-quote-content\">\n<p>Met SHVO haal je een team in huis dat verder kijkt dan standaardoplossingen. Hun begeleiding gaf me focus \u00e9n versterkte mijn rol als ondernemer. Ik ben dankbaar voor de samenwerking!<\/p>\n<\/div><\/div><span class=\"awb-triangle\"><\/span><\/blockquote><div class=\"author\"><span class=\"testimonial-thumbnail\"><img decoding=\"async\" class=\"testimonial-image lazyload\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27352%27%20height%3D%27292%27%20viewBox%3D%270%200%20352%20292%27%3E%3Crect%20width%3D%27352%27%20height%3D%27292%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" width=\"352\" height=\"292\" style=\"--awb-border-radius:50%;\" data-orig-src=\"https:\/\/imk.nl\/shvo\/wp-content\/uploads\/sites\/4\/2026\/01\/Ricardo-Prins.png\" \/><\/span><span class=\"company-name\"><strong>Ricardo Prins<\/strong><span>, <\/span><span>Horti Online\/Analytics<\/span><\/span><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-20 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:30%;--awb-margin-top-large:0px;--awb-spacing-right-large:7.9166666666667%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:7.9166666666667%;--awb-width-medium:33.333333333333%;--awb-order-medium:0;--awb-spacing-right-medium:7.125%;--awb-spacing-left-medium:7.125%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:2.375%;--awb-margin-bottom-small:30px;--awb-spacing-left-small:2.375%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-testimonials classic awb-speech-bubble-show fusion-testimonials-4\" style=\"--awb-textcolor:var(--awb-color2);--awb-testimonial-text-font-size:20px;--awb-testimonial-text-line-height:var(--awb-typography4-line-height);--awb-testimonial-text-letter-spacing:var(--awb-typography4-letter-spacing);--awb-testimonial-text-text-transform:var(--awb-typography4-text-transform);--awb-backgroundcolor:var(--awb-custom_color_3);--awb-testimonial-border-style:solid;--awb-testimonial-border-color:var(--awb-color7);--awb-navigation-size:12px;--awb-border-top-left-radius:0px;--awb-border-top-right-radius:0px;--awb-border-bottom-left-radius:0px;--awb-border-bottom-right-radius:0px;--testimonial-border-width-top:0px;--testimonial-border-width-right:0px;--testimonial-border-width-bottom:0px;--testimonial-border-width-left:0px;--awb-testimonial-text-font-family:&quot;Plus Jakarta Sans&quot;;--awb-testimonial-text-font-style:italic;--awb-testimonial-text-font-weight:300;\" data-random=\"1\" data-speed=\"4000\"><div class=\"reviews\"><div class=\"review active-testimonial alignment-left avatar-image\"><blockquote><div class=\"awb-quote\"><div class=\"awb-quote-content\">Mijn bedrijf draaide wel, maar het rendement bleef achter. Rudy heeft me geholpen om de vinger op de zere plek te leggen. Zijn frisse blik en scherpe vragen zorgden voor nieuwe inzichten. Dankzij zijn coaching weet ik nu precies waar de kansen liggen.<\/div><\/div><span class=\"awb-triangle\"><\/span><\/blockquote><div class=\"author\"><span class=\"testimonial-thumbnail\"><img decoding=\"async\" class=\"testimonial-image lazyload\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27500%27%20height%3D%27500%27%20viewBox%3D%270%200%20500%20500%27%3E%3Crect%20width%3D%27500%27%20height%3D%27500%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" width=\"500\" height=\"500\" style=\"--awb-border-radius:50%;\" data-orig-src=\"https:\/\/imk.nl\/shvo\/wp-content\/uploads\/sites\/4\/2026\/01\/Edwin-Moen.png\" \/><\/span><span class=\"company-name\"><strong>Edwin Moen<\/strong><span>, <\/span><span>Effe Finance<\/span><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-8 fusion-flex-container has-pattern-background has-mask-background hundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:5%;--awb-padding-bottom:5%;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-stretch fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"width:105% !important;max-width:105% !important;margin-left: calc(-5% \/ 2 );margin-right: calc(-5% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-21 fusion_builder_column_1_5 1_5 fusion-flex-column fusion-no-small-visibility fusion-no-medium-visibility\" style=\"--awb-bg-size:cover;--awb-width-large:20%;--awb-margin-top-large:0px;--awb-spacing-right-large:11.875%;--awb-margin-bottom-large:30px;--awb-spacing-left-large:11.875%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:2.375%;--awb-spacing-left-medium:2.375%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:2.375%;--awb-spacing-left-small:2.375%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-22 fusion_builder_column_3_5 3_5 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:60%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.9583333333333%;--awb-margin-bottom-large:45px;--awb-spacing-left-large:3.9583333333333%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:2.375%;--awb-spacing-left-medium:2.375%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:2.375%;--awb-margin-bottom-small:15px;--awb-spacing-left-small:2.375%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-10 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:15px;--awb-margin-left-small:0px;\"><h2 class=\"fusion-title-heading title-heading-center sm-text-align-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:25;line-height:var(--awb-typography2-line-height);\">Onze werkwijze<\/h2><\/div><div class=\"fusion-text fusion-text-11 sm-text-align-left\" style=\"--awb-content-alignment:center;\"><p>IMK SHVO ondersteunt zowel ondernemers met financi\u00eble problemen als professionals die hun kennis willen verdiepen. Onderstaand stappenplan geeft een algemeen beeld van onze werkwijze.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-23 fusion_builder_column_1_5 1_5 fusion-flex-column fusion-no-small-visibility fusion-no-medium-visibility\" style=\"--awb-bg-size:cover;--awb-width-large:20%;--awb-margin-top-large:0px;--awb-spacing-right-large:11.875%;--awb-margin-bottom-large:30px;--awb-spacing-left-large:11.875%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:2.375%;--awb-spacing-left-medium:2.375%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:2.375%;--awb-spacing-left-small:2.375%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-24 fusion_builder_column_1_4 1_4 fusion-flex-column\" style=\"--awb-padding-top:15px;--awb-bg-size:cover;--awb-width-large:25%;--awb-margin-top-large:0px;--awb-spacing-right-large:9.5%;--awb-margin-bottom-large:30px;--awb-spacing-left-large:9.5%;--awb-width-medium:33.333333333333%;--awb-order-medium:0;--awb-spacing-right-medium:7.125%;--awb-spacing-left-medium:7.125%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:2.375%;--awb-spacing-left-small:2.375%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-center fusion-content-layout-column\"><i class=\"fb-icon-element-3 fb-icon-element fontawesome-icon fa-comments fas circle-yes\" style=\"--awb-circlecolor:var(--awb-custom_color_13);--awb-circlecolor-hover:var(--awb-custom_color_13);--awb-circlebordercolor-hover:var(--awb-color8);--awb-circlebordersize:0px;--awb-font-size:30.8px;--awb-width:61.6px;--awb-height:61.6px;--awb-line-height:61.6px;--awb-align-self:flex-start;--awb-margin-top:0px;--awb-margin-right:0px;--awb-margin-bottom:30px;--awb-margin-left:0px;\"><\/i><div class=\"fusion-text fusion-text-12 fusion-text-no-margin\" style=\"--awb-content-alignment:left;--awb-font-size:var(--awb-typography2-font-size);--awb-line-height:var(--awb-typography2-line-height);--awb-letter-spacing:var(--awb-typography2-letter-spacing);--awb-text-transform:var(--awb-typography2-text-transform);--awb-text-color:var(--awb-custom_color_8);--awb-margin-bottom:10px;--awb-text-font-family:var(--awb-typography2-font-family);--awb-text-font-weight:var(--awb-typography2-font-weight);--awb-text-font-style:var(--awb-typography2-font-style);\"><p>Stap 1.<\/p>\n<\/div><div class=\"fusion-title title fusion-title-11 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:15px;--awb-margin-left-small:0px;--awb-font-size:22px;\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"font-family:&quot;komet&quot;;font-style:normal;font-weight:500;margin:0;letter-spacing:var(--awb-typography4-letter-spacing);text-transform:var(--awb-typography4-text-transform);font-size:1em;--fontSize:22;line-height:var(--awb-typography4-line-height);\">Kennismaking en inventarisatie<\/h3><\/div><div class=\"fusion-text fusion-text-13 fusion-text-no-margin\" style=\"--awb-content-alignment:left;--awb-margin-bottom:30px;\"><p>We starten met een kennismaking waarin we de vraag en situatie in kaart brengen. Voor ondernemers betekent dit een eerste beoordeling van de financi\u00eble situatie. Voor professionals betekent dit het bepalen van leerdoelen en kennisbehoefte.<\/p>\n<\/div><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-stretch fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"--awb-min-height:no;--awb-min-height-medium:no;--awb-min-height-small:no;--awb-flex-grow:0;--awb-flex-grow-medium:0;--awb-flex-grow-small:0;--awb-flex-shrink:0;--awb-flex-shrink-medium:0;--awb-flex-shrink-small:0;width:105% !important;max-width:105% !important;margin-left: calc(-5% \/ 2 );margin-right: calc(-5% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-1 fusion_builder_column_inner_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.375%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:2.375%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:2.375%;--awb-spacing-left-medium:2.375%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:2.375%;--awb-spacing-left-small:2.375%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-row\"><div ><a class=\"fusion-button button-flat fusion-button-default-size button-custom fusion-button-default button-7 fusion-button-default-span fusion-button-default-type\" style=\"--awb-margin-bottom:10px;--button_accent_color:var(--awb-custom_color_3);--button_accent_hover_color:var(--awb-custom_color_3);--button_border_hover_color:var(--awb-custom13);--button_gradient_top_color:var(--awb-custom12);--button_gradient_bottom_color:var(--awb-custom12);--button_gradient_top_color_hover:var(--awb-custom13);--button_gradient_bottom_color_hover:var(--awb-custom13);\" target=\"_self\" href=\"https:\/\/imk.nl\/shvo\/maak-een-afspraak\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Maak een afspraak<\/span><\/a><\/div>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-25 fusion-flex-column fusion-no-small-visibility fusion-no-medium-visibility\" style=\"--awb-bg-size:cover;--awb-border-color:var(--awb-custom_color_8);--awb-border-right:1px;--awb-border-style:solid;--awb-width-large:3%;--awb-margin-top-large:0px;--awb-spacing-right-large:79.166666666667%;--awb-margin-bottom-large:30px;--awb-spacing-left-large:79.166666666667%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:2.375%;--awb-spacing-left-medium:2.375%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:2.375%;--awb-spacing-left-small:2.375%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-26 fusion_builder_column_1_4 1_4 fusion-flex-column\" style=\"--awb-padding-top:15px;--awb-bg-size:cover;--awb-width-large:25%;--awb-margin-top-large:0px;--awb-spacing-right-large:9.5%;--awb-margin-bottom-large:30px;--awb-spacing-left-large:9.5%;--awb-width-medium:33.333333333333%;--awb-order-medium:0;--awb-spacing-right-medium:7.125%;--awb-spacing-left-medium:7.125%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:2.375%;--awb-spacing-left-small:2.375%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><i class=\"fb-icon-element-4 fb-icon-element fontawesome-icon fa-file-alt fas circle-yes\" style=\"--awb-circlecolor:var(--awb-custom_color_13);--awb-circlecolor-hover:var(--awb-custom_color_13);--awb-circlebordercolor-hover:var(--awb-color8);--awb-circlebordersize:0px;--awb-font-size:30.8px;--awb-width:61.6px;--awb-height:61.6px;--awb-line-height:61.6px;--awb-align-self:flex-start;--awb-margin-top:0px;--awb-margin-right:0px;--awb-margin-bottom:30px;--awb-margin-left:0px;\"><\/i><div class=\"fusion-text fusion-text-14 fusion-text-no-margin\" style=\"--awb-content-alignment:left;--awb-font-size:var(--awb-typography2-font-size);--awb-line-height:var(--awb-typography2-line-height);--awb-letter-spacing:var(--awb-typography2-letter-spacing);--awb-text-transform:var(--awb-typography2-text-transform);--awb-text-color:var(--awb-custom_color_8);--awb-margin-bottom:10px;--awb-text-font-family:var(--awb-typography2-font-family);--awb-text-font-weight:var(--awb-typography2-font-weight);--awb-text-font-style:var(--awb-typography2-font-style);\"><p>Stap 2.<\/p>\n<\/div><div class=\"fusion-title title fusion-title-12 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:15px;--awb-margin-left-small:0px;--awb-font-size:22px;\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"font-family:&quot;komet&quot;;font-style:normal;font-weight:500;margin:0;letter-spacing:var(--awb-typography4-letter-spacing);text-transform:var(--awb-typography4-text-transform);font-size:1em;--fontSize:22;line-height:var(--awb-typography4-line-height);\">Inzicht en richting<\/h3><\/div><div class=\"fusion-text fusion-text-15 fusion-text-no-margin\" style=\"--awb-content-alignment:left;--awb-margin-bottom:30px;\"><p>We brengen structuur aan en bepalen de juiste aanpak. Voor ondernemers betekent dit analyse van de financi\u00eble situatie en mogelijke oplossingsrichtingen. Voor professionals betekent dit inhoudelijke verdieping in schuldhulpverlening voor ondernemers.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-27 fusion-flex-column fusion-no-small-visibility fusion-no-medium-visibility\" style=\"--awb-bg-size:cover;--awb-border-color:var(--awb-custom_color_8);--awb-border-right:1px;--awb-border-style:solid;--awb-width-large:3%;--awb-margin-top-large:0px;--awb-spacing-right-large:79.166666666667%;--awb-margin-bottom-large:30px;--awb-spacing-left-large:79.166666666667%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:2.375%;--awb-spacing-left-medium:2.375%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:2.375%;--awb-spacing-left-small:2.375%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-28 fusion_builder_column_1_4 1_4 fusion-flex-column\" style=\"--awb-padding-top:15px;--awb-bg-size:cover;--awb-width-large:25%;--awb-margin-top-large:0px;--awb-spacing-right-large:9.5%;--awb-margin-bottom-large:30px;--awb-spacing-left-large:9.5%;--awb-width-medium:33.333333333333%;--awb-order-medium:0;--awb-spacing-right-medium:7.125%;--awb-spacing-left-medium:7.125%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:2.375%;--awb-spacing-left-small:2.375%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><i class=\"fb-icon-element-5 fb-icon-element fontawesome-icon fa-chart-line fas circle-yes\" style=\"--awb-circlecolor:var(--awb-custom_color_13);--awb-circlecolor-hover:var(--awb-custom_color_13);--awb-circlebordercolor-hover:var(--awb-color8);--awb-circlebordersize:0px;--awb-font-size:30.8px;--awb-width:61.6px;--awb-height:61.6px;--awb-line-height:61.6px;--awb-align-self:flex-start;--awb-margin-top:0px;--awb-margin-right:0px;--awb-margin-bottom:30px;--awb-margin-left:0px;\"><\/i><div class=\"fusion-text fusion-text-16 fusion-text-no-margin\" style=\"--awb-content-alignment:left;--awb-font-size:var(--awb-typography2-font-size);--awb-line-height:var(--awb-typography2-line-height);--awb-letter-spacing:var(--awb-typography2-letter-spacing);--awb-text-transform:var(--awb-typography2-text-transform);--awb-text-color:var(--awb-custom_color_8);--awb-margin-bottom:10px;--awb-text-font-family:var(--awb-typography2-font-family);--awb-text-font-weight:var(--awb-typography2-font-weight);--awb-text-font-style:var(--awb-typography2-font-style);\"><p>Stap 3.<\/p>\n<\/div><div class=\"fusion-title title fusion-title-13 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:15px;--awb-margin-left-small:0px;--awb-font-size:22px;\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"font-family:&quot;komet&quot;;font-style:normal;font-weight:500;margin:0;letter-spacing:var(--awb-typography4-letter-spacing);text-transform:var(--awb-typography4-text-transform);font-size:1em;--fontSize:22;line-height:var(--awb-typography4-line-height);\">Begeleiding en resultaat<\/h3><\/div><div class=\"fusion-text fusion-text-17 fusion-text-no-margin\" style=\"--awb-content-alignment:left;--awb-margin-bottom:30px;\"><p>We begeleiden richting een duurzaam resultaat. Voor ondernemers werken we toe naar stabiliteit en een passende regeling. Voor professionals richten we ons op toepasbare kennis en praktische handvatten voor de dagelijkse praktijk.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-9 fusion-flex-container has-pattern-background has-mask-background hundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:5%;--awb-padding-bottom:5%;--awb-padding-top-small:10%;--awb-background-color:var(--awb-custom_color_9);--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center fusion-flex-align-content-center fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"width:105% !important;max-width:105% !important;margin-left: calc(-5% \/ 2 );margin-right: calc(-5% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-29 fusion_builder_column_3_5 3_5 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:60%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.9583333333333%;--awb-margin-bottom-large:30px;--awb-spacing-left-large:3.9583333333333%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:2.375%;--awb-spacing-left-medium:2.375%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:2.375%;--awb-spacing-left-small:2.375%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><ul style=\"--awb-size:30px;--awb-item-padding-bottom:0px;--awb-iconcolor:var(--awb-custom_color_14);--awb-textcolor:var(--awb-custom_color_14);--awb-line-height:51px;--awb-icon-width:51px;--awb-icon-height:51px;--awb-icon-margin:21px;--awb-content-margin:72px;\" class=\"fusion-checklist fusion-checklist-4 fusion-checklist-default type-icons\"><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon fa-question-circle fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<h1>Veelgestelde vragen (FAQ)<\/h1>\n<\/div><\/li><\/ul><div class=\"fusion-title title fusion-title-14 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-margin-bottom:15px;--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:15px;--awb-margin-left-small:0px;\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:20;--minFontSize:20;line-height:var(--awb-typography3-line-height);\"><strong>Schuldhulpverlening voor ondernemers:<\/strong><\/h3><\/div><div class=\"accordian fusion-accordian\" style=\"margin-bottom:30px;--awb-margin-bottom:30px;--awb-border-size:1px;--awb-icon-size:20px;--awb-content-font-size:var(--awb-typography4-font-size);--awb-icon-alignment:right;--awb-hover-color:var(--awb-custom_color_3);--awb-border-color:var(--awb-color7);--awb-background-color:var(--awb-custom_color_3);--awb-divider-color:var(--awb-color3);--awb-divider-hover-color:var(--awb-color3);--awb-icon-color:var(--awb-color2);--awb-title-color:var(--awb-color2);--awb-content-color:var(--awb-color2);--awb-icon-box-color:var(--awb-color2);--awb-toggle-hover-accent-color:var(--awb-custom_color_14);--awb-toggle-active-accent-color:var(--awb-custom_color_14);--awb-title-font-family:var(--awb-typography3-font-family);--awb-title-font-weight:var(--awb-typography3-font-weight);--awb-title-font-style:var(--awb-typography3-font-style);--awb-title-font-size:var(--awb-typography4-font-size);--awb-title-letter-spacing:var(--awb-typography3-letter-spacing);--awb-title-line-height:var(--awb-typography3-line-height);--awb-content-font-family:var(--awb-typography4-font-family);--awb-content-font-weight:var(--awb-typography4-font-weight);--awb-content-font-style:var(--awb-typography4-font-style);\"><div class=\"panel-group fusion-toggle-icon-right fusion-toggle-icon-unboxed\" id=\"accordion-27-3\"><div class=\"fusion-panel panel-default panel-a41147e76548384e4 fusion-toggle-no-divider fusion-toggle-boxed-mode\" style=\"--awb-title-color:var(--awb-color2);--awb-content-color:var(--awb-color2);\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_a41147e76548384e4\"><a aria-expanded=\"false\" aria-controls=\"a41147e76548384e4\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-27-3\" data-target=\"#a41147e76548384e4\" href=\"#a41147e76548384e4\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Wanneer is schuldhulpverlening voor ondernemers zinvol?<\/span><\/a><\/h4><\/div><div id=\"a41147e76548384e4\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_a41147e76548384e4\"><div class=\"panel-body toggle-content fusion-clearfix\">Schuldhulpverlening is zinvol wanneer schulden structureel zijn geworden en u het overzicht bent kwijtgeraakt. Bijvoorbeeld wanneer betalingsachterstanden zich opstapelen, meerdere schuldeisers betrokken zijn of wanneer de druk op uw onderneming te groot wordt. Hoe eerder u hulp inschakelt, hoe groter de kans op een stabiele en werkbare oplossing.<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-d1acd83eb87d6e01a fusion-toggle-no-divider fusion-toggle-boxed-mode\" style=\"--awb-title-color:var(--awb-color2);--awb-content-color:var(--awb-color2);\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_d1acd83eb87d6e01a\"><a aria-expanded=\"false\" aria-controls=\"d1acd83eb87d6e01a\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-27-3\" data-target=\"#d1acd83eb87d6e01a\" href=\"#d1acd83eb87d6e01a\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Hoe verschilt schuldhulpverlening voor ondernemers van particuliere schuldhulpverlening?<\/span><\/a><\/h4><\/div><div id=\"d1acd83eb87d6e01a\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_d1acd83eb87d6e01a\"><div class=\"panel-body toggle-content fusion-clearfix\">Schuldhulpverlening voor ondernemers is complexer dan particuliere schuldhulpverlening. Naast priv\u00e9verplichtingen spelen ook zakelijke schulden, fiscale verplichtingen en de toekomst van de onderneming een rol. Dit vraagt om specialistische kennis van zowel schuldhulpverlening als ondernemerschap.<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-261280082617c29f9 fusion-toggle-no-divider fusion-toggle-boxed-mode\" style=\"--awb-title-color:var(--awb-color2);--awb-content-color:var(--awb-color2);\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_261280082617c29f9\"><a aria-expanded=\"false\" aria-controls=\"261280082617c29f9\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-27-3\" data-target=\"#261280082617c29f9\" href=\"#261280082617c29f9\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Wat gebeurt er tijdens een begeleidingstraject?<\/span><\/a><\/h4><\/div><div id=\"261280082617c29f9\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_261280082617c29f9\"><div class=\"panel-body toggle-content fusion-clearfix\">Een traject begint met een uitgebreide intake waarin de financi\u00eble situatie in kaart wordt gebracht. Daarna werken we toe naar stabilisatie en overzicht. Vervolgens wordt de afloscapaciteit berekend en treden we in overleg met schuldeisers om tot een haalbare regeling te komen.<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-df3de838478c71510 fusion-toggle-no-divider fusion-toggle-boxed-mode\" style=\"--awb-title-color:var(--awb-color2);--awb-content-color:var(--awb-color2);\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_df3de838478c71510\"><a aria-expanded=\"false\" aria-controls=\"df3de838478c71510\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-27-3\" data-target=\"#df3de838478c71510\" href=\"#df3de838478c71510\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Moet ik mijn schulden eerst zelf oplossen voordat ik hulp kan krijgen?<\/span><\/a><\/h4><\/div><div id=\"df3de838478c71510\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_df3de838478c71510\"><div class=\"panel-body toggle-content fusion-clearfix\">Nee. Het is juist verstandig om hulp in te schakelen wanneer u merkt dat u er zelf niet meer uitkomt. Tijdens het eerste gesprek beoordelen we samen of een minnelijk traject passend is.<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-663033865ddf5e4c7 fusion-toggle-no-divider fusion-toggle-boxed-mode\" style=\"--awb-title-color:var(--awb-color2);--awb-content-color:var(--awb-color2);\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_663033865ddf5e4c7\"><a aria-expanded=\"false\" aria-controls=\"663033865ddf5e4c7\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-27-3\" data-target=\"#663033865ddf5e4c7\" href=\"#663033865ddf5e4c7\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Hoe snel kan ik hulp starten en wat kan ik verwachten van het eerste gesprek?<\/span><\/a><\/h4><\/div><div id=\"663033865ddf5e4c7\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_663033865ddf5e4c7\"><div class=\"panel-body toggle-content fusion-clearfix\">\n<p>Na het invullen van het <a href=\"https:\/\/imk.nl\/shvo\/maak-een-afspraak\/\">formulier<\/a> nemen wij contact met u op om een kennismakingsgesprek te plannen. Tijdens dit gesprek bespreken we de situatie en geven we duidelijkheid over de vervolgstappen.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-title title fusion-title-15 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-margin-top:15px;--awb-margin-bottom:15px;--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:15px;--awb-margin-left-small:0px;\"><h3 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:20;--minFontSize:20;line-height:var(--awb-typography3-line-height);\"><strong>Opleiding &#8211; Schuldhulpverlening voor ondernemers:<\/strong><\/h3><\/div><div class=\"accordian fusion-accordian\" style=\"margin-bottom:30px;--awb-margin-bottom:30px;--awb-border-size:1px;--awb-icon-size:20px;--awb-content-font-size:var(--awb-typography4-font-size);--awb-icon-alignment:right;--awb-hover-color:var(--awb-custom_color_3);--awb-border-color:var(--awb-color7);--awb-background-color:var(--awb-custom_color_3);--awb-divider-color:var(--awb-color3);--awb-divider-hover-color:var(--awb-color3);--awb-icon-color:var(--awb-color2);--awb-title-color:var(--awb-color2);--awb-content-color:var(--awb-color2);--awb-icon-box-color:var(--awb-color2);--awb-toggle-hover-accent-color:var(--awb-custom_color_14);--awb-toggle-active-accent-color:var(--awb-custom_color_14);--awb-title-font-family:var(--awb-typography3-font-family);--awb-title-font-weight:var(--awb-typography3-font-weight);--awb-title-font-style:var(--awb-typography3-font-style);--awb-title-font-size:var(--awb-typography4-font-size);--awb-title-letter-spacing:var(--awb-typography3-letter-spacing);--awb-title-line-height:var(--awb-typography3-line-height);--awb-content-font-family:var(--awb-typography4-font-family);--awb-content-font-weight:var(--awb-typography4-font-weight);--awb-content-font-style:var(--awb-typography4-font-style);\"><div class=\"panel-group fusion-toggle-icon-right fusion-toggle-icon-unboxed\" id=\"accordion-27-4\"><div class=\"fusion-panel panel-default panel-c38667b15b0d5c1bb fusion-toggle-no-divider fusion-toggle-boxed-mode\" style=\"--awb-title-color:var(--awb-color2);--awb-content-color:var(--awb-color2);\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_c38667b15b0d5c1bb\"><a aria-expanded=\"false\" aria-controls=\"c38667b15b0d5c1bb\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-27-4\" data-target=\"#c38667b15b0d5c1bb\" href=\"#c38667b15b0d5c1bb\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Voor wie is de opleiding geschikt?<\/span><\/a><\/h4><\/div><div id=\"c38667b15b0d5c1bb\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_c38667b15b0d5c1bb\"><div class=\"panel-body toggle-content fusion-clearfix\">De opleiding is geschikt voor professionals die werken met ondernemers, zoals schuldhulpverleners, gemeentelijke medewerkers, accountants, coaches en adviseurs.<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-76688586da433b234 fusion-toggle-no-divider fusion-toggle-boxed-mode\" style=\"--awb-title-color:var(--awb-color2);--awb-content-color:var(--awb-color2);\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_76688586da433b234\"><a aria-expanded=\"false\" aria-controls=\"76688586da433b234\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-27-4\" data-target=\"#76688586da433b234\" href=\"#76688586da433b234\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Hoe wordt de opleiding gegeven?<\/span><\/a><\/h4><\/div><div id=\"76688586da433b234\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_76688586da433b234\"><div class=\"panel-body toggle-content fusion-clearfix\">De opleiding wordt klassikaal verzorgd en combineert theorie met praktijkvoorbeelden en casu\u00efstiek. Hierdoor is de kennis direct toepasbaar in de praktijk.<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-697878dce4247e8da fusion-toggle-no-divider fusion-toggle-boxed-mode\" style=\"--awb-title-color:var(--awb-color2);--awb-content-color:var(--awb-color2);\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_697878dce4247e8da\"><a aria-expanded=\"false\" aria-controls=\"697878dce4247e8da\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-27-4\" data-target=\"#697878dce4247e8da\" href=\"#697878dce4247e8da\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Hoe lang duurt de opleiding?<\/span><\/a><\/h4><\/div><div id=\"697878dce4247e8da\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_697878dce4247e8da\"><div class=\"panel-body toggle-content fusion-clearfix\">De opleiding bestaat uit meerdere trainingsdagen en is praktijkgericht opgebouwd, zodat deelnemers stap voor stap kennis en vaardigheden ontwikkelen.<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-cbd1d2f3d596459c1 fusion-toggle-no-divider fusion-toggle-boxed-mode\" style=\"--awb-title-color:var(--awb-color2);--awb-content-color:var(--awb-color2);\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_cbd1d2f3d596459c1\"><a aria-expanded=\"false\" aria-controls=\"cbd1d2f3d596459c1\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-27-4\" data-target=\"#cbd1d2f3d596459c1\" href=\"#cbd1d2f3d596459c1\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Kan de opleiding ook incompany worden verzorgd?<\/span><\/a><\/h4><\/div><div id=\"cbd1d2f3d596459c1\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_cbd1d2f3d596459c1\"><div class=\"panel-body toggle-content fusion-clearfix\">Ja, wij verzorgen de opleiding ook incompany, afgestemd op de praktijk en behoefte van uw organisatie.<\/div><\/div><\/div><div class=\"fusion-panel panel-default panel-8d96a69ebc95fc393 fusion-toggle-no-divider fusion-toggle-boxed-mode\" style=\"--awb-title-color:var(--awb-color2);--awb-content-color:var(--awb-color2);\"><div class=\"panel-heading\"><h4 class=\"panel-title toggle\" id=\"toggle_8d96a69ebc95fc393\"><a aria-expanded=\"false\" aria-controls=\"8d96a69ebc95fc393\" role=\"button\" data-toggle=\"collapse\" data-parent=\"#accordion-27-4\" data-target=\"#8d96a69ebc95fc393\" href=\"#8d96a69ebc95fc393\"><span class=\"fusion-toggle-icon-wrapper\" aria-hidden=\"true\"><i class=\"fa-fusion-box active-icon awb-icon-minus\" aria-hidden=\"true\"><\/i><i class=\"fa-fusion-box inactive-icon awb-icon-plus\" aria-hidden=\"true\"><\/i><\/span><span class=\"fusion-toggle-heading\">Ontvang ik een certificaat?<\/span><\/a><\/h4><\/div><div id=\"8d96a69ebc95fc393\" class=\"panel-collapse collapse \" aria-labelledby=\"toggle_8d96a69ebc95fc393\"><div class=\"panel-body toggle-content fusion-clearfix\">Na afronding ontvangen deelnemers een certificaat van deelname. Wij werken daarnaast aan een opleidingsstructuur waarbij kennis periodiek kan worden geactualiseerd.<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-10 fusion-flex-container has-pattern-background has-mask-background hundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:5%;--awb-padding-bottom:5%;--awb-padding-top-small:10%;--awb-padding-bottom-small:10%;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-stretch fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"width:105% !important;max-width:105% !important;margin-left: calc(-5% \/ 2 );margin-right: calc(-5% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-30 fusion_builder_column_2_5 2_5 fusion-flex-column\" style=\"--awb-bg-position:center center;--awb-bg-size:cover;--awb-width-large:40%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.9375%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:5.9375%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:4.75%;--awb-spacing-left-medium:4.75%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:2.375%;--awb-margin-bottom-small:30px;--awb-spacing-left-small:2.375%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper lazyload fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column fusion-empty-column-bg-image fusion-column-has-bg-image\" data-bg-url=\"https:\/\/imk.nl\/shvo\/wp-content\/uploads\/sites\/4\/2026\/01\/SHVO-oplossing-scaled.jpeg\" data-bg=\"https:\/\/imk.nl\/shvo\/wp-content\/uploads\/sites\/4\/2026\/01\/SHVO-oplossing-scaled.jpeg\"><img decoding=\"async\" class=\"fusion-empty-dims-img-placeholder fusion-no-large-visibility fusion-no-medium-visibility\" aria-label=\"SHVO-oplossing\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%272500%27%20height%3D%271667%27%20viewBox%3D%270%200%202500%201667%27%3E%3Crect%20width%3D%272500%27%20height%3D%271667%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\"><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-31 fusion_builder_column_2_5 2_5 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:40%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.9375%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:5.9375%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:4.75%;--awb-spacing-left-medium:4.75%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:2.375%;--awb-spacing-left-small:2.375%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-center fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-16 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:15px;--awb-margin-left-small:0px;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:25;line-height:var(--awb-typography2-line-height);\">Waarom IMK SHVO?<\/h2><\/div><div class=\"fusion-text fusion-text-18 fusion-text-no-margin\" style=\"--awb-margin-bottom:15px;\"><p>Wij geloven dat achter elke onderneming een mens staat. Met dromen, verantwoordelijkheden en veerkracht.<\/p>\n<p>Met jarenlange ervaring in ondernemersproblematiek helpen wij orde te scheppen in financi\u00eble chaos. Onze aanpak is mensgericht, zorgvuldig en resultaatgericht.<\/p>\n<p>Wij bespreken graag uw situatie in een eerste kennismaking.<\/p>\n<\/div><div class=\"fusion-text fusion-text-19 fusion-text-no-margin\" style=\"--awb-font-size:var(--awb-typography3-font-size);--awb-line-height:var(--awb-typography3-line-height);--awb-letter-spacing:var(--awb-typography3-letter-spacing);--awb-text-transform:var(--awb-typography3-text-transform);--awb-text-color:var(--awb-custom_color_15);--awb-margin-bottom:30px;--awb-text-font-family:var(--awb-typography3-font-family);--awb-text-font-weight:var(--awb-typography3-font-weight);--awb-text-font-style:var(--awb-typography3-font-style);\"><p>Ontlasten. Ondersteunen. Oplossen.<br \/>\nMet hart \u00e9n hoofd.<\/p>\n<\/div><div ><a class=\"fusion-button button-flat fusion-button-default-size button-custom fusion-button-default button-8 fusion-button-default-span fusion-button-default-type\" style=\"--awb-margin-bottom:10px;--button_accent_color:var(--awb-custom_color_3);--button_accent_hover_color:var(--awb-custom_color_3);--button_border_hover_color:var(--awb-custom13);--button_gradient_top_color:var(--awb-custom12);--button_gradient_bottom_color:var(--awb-custom12);--button_gradient_top_color_hover:var(--awb-custom13);--button_gradient_bottom_color_hover:var(--awb-custom13);\" target=\"_self\" href=\"https:\/\/imk.nl\/shvo\/maak-een-afspraak\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Maak een afspraak<\/span><\/a><\/div>\n<\/div><\/div><\/div><\/div>\n<\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":20,"featured_media":4400,"parent":0,"menu_order":1,"comment_status":"closed","ping_status":"closed","template":"100-width.php","meta":{"footnotes":""},"class_list":["post-27","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/imk.nl\/shvo\/wp-json\/wp\/v2\/pages\/27","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/imk.nl\/shvo\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/imk.nl\/shvo\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/imk.nl\/shvo\/wp-json\/wp\/v2\/users\/20"}],"replies":[{"embeddable":true,"href":"https:\/\/imk.nl\/shvo\/wp-json\/wp\/v2\/comments?post=27"}],"version-history":[{"count":8,"href":"https:\/\/imk.nl\/shvo\/wp-json\/wp\/v2\/pages\/27\/revisions"}],"predecessor-version":[{"id":4990,"href":"https:\/\/imk.nl\/shvo\/wp-json\/wp\/v2\/pages\/27\/revisions\/4990"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/imk.nl\/shvo\/wp-json\/wp\/v2\/media\/4400"}],"wp:attachment":[{"href":"https:\/\/imk.nl\/shvo\/wp-json\/wp\/v2\/media?parent=27"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}