{"id":4589,"date":"2026-01-15T11:14:04","date_gmt":"2026-01-15T11:14:04","guid":{"rendered":"https:\/\/imk.nl\/shvo\/?page_id=4589"},"modified":"2026-03-19T18:54:55","modified_gmt":"2026-03-19T18:54:55","slug":"advies-op-maat","status":"publish","type":"page","link":"https:\/\/imk.nl\/shvo\/diensten\/schuldhulpverlening\/","title":{"rendered":"Schuldhulpverlening voor ondernemers"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 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:7.5%;--awb-padding-top-small:0px;--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: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_2_5 2_5 fusion-flex-column\" style=\"--awb-padding-top:45px;--awb-padding-top-small:0px;--awb-bg-size:cover;--awb-width-large:40%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.9375%;--awb-margin-bottom-large:30px;--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-1 fusion-sep-none fusion-title-text fusion-title-size-one\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:15px;--awb-margin-left-small:0px;\"><h1 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:35;line-height:var(--awb-typography1-line-height);\">Schuldhulpverlening voor ondernemers<\/h1><\/div><div class=\"fusion-text fusion-text-1 fusion-text-no-margin\" style=\"--awb-margin-bottom:30px;\"><p>IMK SHVO begeleidt ondernemers met problematische schulden via het minnelijk schuldsaneringstraject (MSNP), in opdracht van gemeenten.<\/p>\n<p>Wanneer schulden zich opstapelen, is het belangrijk om overzicht te krijgen en te bepalen welke oplossing realistisch en haalbaar is. Wij ondersteunen ondernemers bij het herstellen van financi\u00eble stabiliteit, met aandacht voor de toekomst van de onderneming.<\/p>\n<\/div><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><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 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\/03\/SHVO-schuldhulpverlening-voor-ondernemers.jpeg\" data-bg=\"https:\/\/imk.nl\/shvo\/wp-content\/uploads\/sites\/4\/2026\/03\/SHVO-schuldhulpverlening-voor-ondernemers.jpeg\"><img decoding=\"async\" class=\"fusion-empty-dims-img-placeholder\" aria-label=\"Financial advisor talking to a couple while offering them to sign a contract in the office.\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%271280%27%20height%3D%27853%27%20viewBox%3D%270%200%201280%20853%27%3E%3Crect%20width%3D%271280%27%20height%3D%27853%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\"><\/div><\/div><\/div><\/div><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: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-2 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:2;--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\/03\/SHVO-schuldhulpverlening-passend.jpeg\" data-bg=\"https:\/\/imk.nl\/shvo\/wp-content\/uploads\/sites\/4\/2026\/03\/SHVO-schuldhulpverlening-passend.jpeg\"><img decoding=\"async\" class=\"fusion-empty-dims-img-placeholder fusion-no-large-visibility fusion-no-medium-visibility\" aria-label=\"Close up of Business team analyzing income charts and graphs with modern laptop computer. Business analysis and strategy concept.\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%271280%27%20height%3D%27853%27%20viewBox%3D%270%200%201280%20853%27%3E%3Crect%20width%3D%271280%27%20height%3D%27853%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\"><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 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-2 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);\">Wanneer is schuldhulpverlening passend?<\/h2><\/div><div class=\"fusion-text fusion-text-2 fusion-text-no-margin\" style=\"--awb-text-color:var(--awb-custom_color_3);--awb-margin-bottom:5px;\"><p>Schuldhulpverlening kan passend zijn wanneer:<\/p>\n<\/div><ul style=\"--awb-size:18px;--awb-margin-bottom:15px;--awb-iconcolor:var(--awb-custom_color_11);--awb-textcolor:var(--awb-custom_color_3);--awb-line-height:30.6px;--awb-icon-width:30.6px;--awb-icon-height:30.6px;--awb-icon-margin:12.6px;--awb-content-margin:43.2px;\" class=\"fusion-checklist fusion-checklist-1 fusion-checklist-default type-icons\"><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon fa-info fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p>betalingsachterstanden structureel zijn geworden;<\/p>\n<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon fa-info fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p>meerdere schuldeisers betrokken zijn;<\/p>\n<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon fa-info fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p>er geen realistisch uitzicht is op zelfstandig herstel;<\/p>\n<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon fa-info fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p>schulden druk leggen op het voortbestaan van de onderneming.<\/p>\n<\/div><\/li><\/ul><div class=\"fusion-text fusion-text-3 fusion-text-no-margin\" style=\"--awb-text-color:var(--awb-custom_color_3);--awb-margin-bottom:30px;\"><p>In een eerste gesprek beoordelen we of een SHVO-traject in uw situatie passend is.<\/p>\n<\/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-2 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-4 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><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:2.5%;--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-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-5 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-3 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 fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:25;line-height:var(--awb-typography2-line-height);\">Wat houdt het traject in?<\/h2><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-6 fusion_builder_column_1_5 1_5 fusion-flex-column\" style=\"--awb-padding-top:15px;--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: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-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-4 fusion-text-no-margin\" style=\"--awb-content-alignment:center;--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>1.<\/p>\n<\/div><div class=\"fusion-title title fusion-title-4 fusion-sep-none fusion-title-center 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-center 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);\">Analyse van de financi\u00eble situatie<\/h3><\/div><div class=\"fusion-text fusion-text-5 fusion-text-no-margin\" style=\"--awb-content-alignment:center;--awb-margin-bottom:30px;\"><p>We brengen alle schulden, inkomsten en verplichtingen volledig in kaart.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-7 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-8 fusion_builder_column_1_5 1_5 fusion-flex-column\" style=\"--awb-padding-top:15px;--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: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-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-6 fusion-text-no-margin\" style=\"--awb-content-alignment:center;--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>2.<\/p>\n<\/div><div class=\"fusion-title title fusion-title-5 fusion-sep-none fusion-title-center 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-center 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);\">Berekening van afloscapaciteit<\/h3><\/div><div class=\"fusion-text fusion-text-7 fusion-text-no-margin\" style=\"--awb-content-alignment:center;--awb-margin-bottom:30px;\"><p>Samen met externe Bbz-deskundigen wordt beoordeeld wat realistisch aflosbaar is.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-9 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-10 fusion_builder_column_1_5 1_5 fusion-flex-column\" style=\"--awb-padding-top:15px;--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: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-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-8 fusion-text-no-margin\" style=\"--awb-content-alignment:center;--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>3.<\/p>\n<\/div><div class=\"fusion-title title fusion-title-6 fusion-sep-none fusion-title-center 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-center 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);\">Onderhandeling met schuldeisers<\/h3><\/div><div class=\"fusion-text fusion-text-9 fusion-text-no-margin\" style=\"--awb-content-alignment:center;--awb-margin-bottom:30px;\"><p>Wij treden namens u in overleg met schuldeisers om tot een minnelijk akkoord te komen.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-11 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-12 fusion_builder_column_1_5 1_5 fusion-flex-column\" style=\"--awb-padding-top:15px;--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: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-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-10 fusion-text-no-margin\" style=\"--awb-content-alignment:center;--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>4.<\/p>\n<\/div><div class=\"fusion-title title fusion-title-7 fusion-sep-none fusion-title-center 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-center 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);\">Regeling binnen afgesproken periode<\/h3><\/div><div class=\"fusion-text fusion-text-11 fusion-text-no-margin\" style=\"--awb-content-alignment:center;--awb-margin-bottom:30px;\"><p>In de meeste gevallen wordt toegewerkt naar een regeling met een looptijd van maximaal 18 maanden, waarbij de volledige afloscapaciteit wordt ingezet.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-4 fusion-flex-container has-pattern-background has-mask-background nonhundred-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:7.5%;--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=\"max-width:calc( 1350px + 45px );margin-left: calc(-45px \/ 2 );margin-right: calc(-45px \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-13 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--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:33.333333333333%;--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-margin-bottom-medium:30px;--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-image-element\" style=\"--awb-aspect-ratio:3 \/ 2;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-none has-aspect-ratio\" style=\"border-radius:3px;\"><img decoding=\"async\" width=\"1280\" height=\"853\" src=\"https:\/\/imk.nl\/shvo\/wp-content\/uploads\/sites\/4\/2026\/03\/SHVO-Schuldhulpverlening-1.jpeg\" data-orig-src=\"https:\/\/imk.nl\/shvo\/wp-content\/uploads\/sites\/4\/2026\/03\/SHVO-Schuldhulpverlening-1.jpeg\" class=\"lazyload img-responsive wp-image-4801 img-with-aspect-ratio\" data-parent-fit=\"cover\" data-parent-container=\".fusion-image-element\" alt srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%271280%27%20height%3D%27853%27%20viewBox%3D%270%200%201280%20853%27%3E%3Crect%20width%3D%271280%27%20height%3D%27853%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/imk.nl\/shvo\/wp-content\/uploads\/sites\/4\/2026\/03\/SHVO-Schuldhulpverlening-1-600x400.jpeg 600w, https:\/\/imk.nl\/shvo\/wp-content\/uploads\/sites\/4\/2026\/03\/SHVO-Schuldhulpverlening-1-800x533.jpeg 800w, https:\/\/imk.nl\/shvo\/wp-content\/uploads\/sites\/4\/2026\/03\/SHVO-Schuldhulpverlening-1-1200x800.jpeg 1200w, https:\/\/imk.nl\/shvo\/wp-content\/uploads\/sites\/4\/2026\/03\/SHVO-Schuldhulpverlening-1.jpeg 1280w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 600px\" \/><\/span><\/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: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_inner fusion-builder-nested-column-1 fusion_builder_column_inner_1_1 1_1 fusion-flex-column\" style=\"--awb-padding-top:30px;--awb-padding-right:30px;--awb-padding-bottom:30px;--awb-padding-left:30px;--awb-bg-size:cover;--awb-width-large:100%;--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-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;\"><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-8 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;--awb-font-size:var(--awb-typography3-font-size);\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"font-family:var(--awb-typography3-font-family);font-weight:var(--awb-typography3-font-weight);font-style:var(--awb-typography3-font-style);margin:0;letter-spacing:var(--awb-typography3-letter-spacing);text-transform:var(--awb-typography3-text-transform);font-size:1em;--fontSize:20;--minFontSize:20;line-height:var(--awb-typography3-line-height);\">Toekomst van de onderneming<\/h2><\/div><div class=\"fusion-text fusion-text-12 fusion-text-no-margin\" style=\"--awb-margin-bottom:30px;\"><p>Onderdeel van het traject is de beoordeling van de levensvatbaarheid van de onderneming.<\/p>\n<ul>\n<li>Is voortzetting mogelijk? Dan begeleiden we richting herstel.<\/li>\n<li>Is be\u00ebindiging noodzakelijk? Dan zorgen we voor een zorgvuldige afronding en perspectief op een schuldenvrije toekomst.<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-14 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--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:33.333333333333%;--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-margin-bottom-medium:30px;--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-image-element\" style=\"--awb-aspect-ratio:3 \/ 2;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-2 hover-type-none has-aspect-ratio\" style=\"border-radius:3px;\"><img decoding=\"async\" width=\"1280\" height=\"852\" src=\"https:\/\/imk.nl\/shvo\/wp-content\/uploads\/sites\/4\/2026\/03\/SHVO-Schuldhulpverlening-2.jpeg\" data-orig-src=\"https:\/\/imk.nl\/shvo\/wp-content\/uploads\/sites\/4\/2026\/03\/SHVO-Schuldhulpverlening-2.jpeg\" class=\"lazyload img-responsive wp-image-4803 img-with-aspect-ratio\" data-parent-fit=\"cover\" data-parent-container=\".fusion-image-element\" alt srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%271280%27%20height%3D%27852%27%20viewBox%3D%270%200%201280%20852%27%3E%3Crect%20width%3D%271280%27%20height%3D%27852%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/imk.nl\/shvo\/wp-content\/uploads\/sites\/4\/2026\/03\/SHVO-Schuldhulpverlening-2-600x399.jpeg 600w, https:\/\/imk.nl\/shvo\/wp-content\/uploads\/sites\/4\/2026\/03\/SHVO-Schuldhulpverlening-2-800x533.jpeg 800w, https:\/\/imk.nl\/shvo\/wp-content\/uploads\/sites\/4\/2026\/03\/SHVO-Schuldhulpverlening-2-1200x799.jpeg 1200w, https:\/\/imk.nl\/shvo\/wp-content\/uploads\/sites\/4\/2026\/03\/SHVO-Schuldhulpverlening-2.jpeg 1280w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 600px\" \/><\/span><\/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: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_inner fusion-builder-nested-column-2 fusion_builder_column_inner_1_1 1_1 fusion-flex-column\" style=\"--awb-padding-top:30px;--awb-padding-right:30px;--awb-padding-bottom:30px;--awb-padding-left:30px;--awb-bg-size:cover;--awb-width-large:100%;--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-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;\"><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;--awb-font-size:var(--awb-typography3-font-size);\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"font-family:var(--awb-typography3-font-family);font-weight:var(--awb-typography3-font-weight);font-style:var(--awb-typography3-font-style);margin:0;letter-spacing:var(--awb-typography3-letter-spacing);text-transform:var(--awb-typography3-text-transform);font-size:1em;--fontSize:20;--minFontSize:20;line-height:var(--awb-typography3-line-height);\">Wat vraagt het traject van u?<\/h2><\/div><div class=\"fusion-text fusion-text-13 fusion-text-no-margin\" style=\"--awb-margin-bottom:30px;\"><p>Een minnelijk traject vraagt inzet en transparantie. De ondernemer zet de volledige afloscapaciteit in en werkt actief mee aan het herstelproces.<\/p>\n<p>U staat er echter niet alleen voor. Wij begeleiden u gedurende het gehele traject.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-15 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--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:33.333333333333%;--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\"><div class=\"fusion-image-element\" style=\"--awb-aspect-ratio:3 \/ 2;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-3 hover-type-none has-aspect-ratio\" style=\"border-radius:3px;\"><img decoding=\"async\" width=\"1280\" height=\"720\" src=\"https:\/\/imk.nl\/shvo\/wp-content\/uploads\/sites\/4\/2026\/03\/SHVO-Schuldhulpverlening-3.jpeg\" data-orig-src=\"https:\/\/imk.nl\/shvo\/wp-content\/uploads\/sites\/4\/2026\/03\/SHVO-Schuldhulpverlening-3.jpeg\" class=\"lazyload img-responsive wp-image-4802 img-with-aspect-ratio\" data-parent-fit=\"cover\" data-parent-container=\".fusion-image-element\" alt srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%271280%27%20height%3D%27720%27%20viewBox%3D%270%200%201280%20720%27%3E%3Crect%20width%3D%271280%27%20height%3D%27720%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/imk.nl\/shvo\/wp-content\/uploads\/sites\/4\/2026\/03\/SHVO-Schuldhulpverlening-3-600x338.jpeg 600w, https:\/\/imk.nl\/shvo\/wp-content\/uploads\/sites\/4\/2026\/03\/SHVO-Schuldhulpverlening-3-800x450.jpeg 800w, https:\/\/imk.nl\/shvo\/wp-content\/uploads\/sites\/4\/2026\/03\/SHVO-Schuldhulpverlening-3-1200x675.jpeg 1200w, https:\/\/imk.nl\/shvo\/wp-content\/uploads\/sites\/4\/2026\/03\/SHVO-Schuldhulpverlening-3.jpeg 1280w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 1024px) 100vw, (max-width: 640px) 100vw, 600px\" \/><\/span><\/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: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_inner fusion-builder-nested-column-3 fusion_builder_column_inner_1_1 1_1 fusion-flex-column\" style=\"--awb-padding-top:30px;--awb-padding-right:30px;--awb-padding-bottom:30px;--awb-padding-left:30px;--awb-bg-size:cover;--awb-width-large:100%;--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-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;\"><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-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;--awb-font-size:var(--awb-typography3-font-size);\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"font-family:var(--awb-typography3-font-family);font-weight:var(--awb-typography3-font-weight);font-style:var(--awb-typography3-font-style);margin:0;letter-spacing:var(--awb-typography3-letter-spacing);text-transform:var(--awb-typography3-text-transform);font-size:1em;--fontSize:20;--minFontSize:20;line-height:var(--awb-typography3-line-height);\">Wat levert het op?<\/h2><\/div><div class=\"fusion-text fusion-text-14 fusion-text-no-margin\" style=\"--awb-margin-bottom:15px;\"><p>Het traject zorgt voor:<\/p>\n<ul>\n<li>Rust en overzicht<\/li>\n<li>Duidelijke afspraken met schuldeisers<\/li>\n<li>Stabiliteit<\/li>\n<li>Toekomstperspectief<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-16 fusion_builder_column_1_2 1_2 fusion-flex-column fusion-no-small-visibility fusion-no-large-visibility\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--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: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-spacing-left-small:22.5px;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><\/div><\/div><\/div><\/div><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: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-17 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-18 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-11 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);\">Wilt u weten of schuldhulpverlening voor u passend is?<\/h2><\/div><div class=\"fusion-text fusion-text-15 fusion-text-no-margin\" style=\"--awb-margin-bottom:30px;\"><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>Neem contact met ons op voor een eerste kennismaking.<\/p>\n<\/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-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><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":16,"featured_media":0,"parent":4686,"menu_order":3,"comment_status":"closed","ping_status":"closed","template":"100-width.php","meta":{"footnotes":""},"class_list":["post-4589","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/imk.nl\/shvo\/wp-json\/wp\/v2\/pages\/4589","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\/16"}],"replies":[{"embeddable":true,"href":"https:\/\/imk.nl\/shvo\/wp-json\/wp\/v2\/comments?post=4589"}],"version-history":[{"count":21,"href":"https:\/\/imk.nl\/shvo\/wp-json\/wp\/v2\/pages\/4589\/revisions"}],"predecessor-version":[{"id":4966,"href":"https:\/\/imk.nl\/shvo\/wp-json\/wp\/v2\/pages\/4589\/revisions\/4966"}],"up":[{"embeddable":true,"href":"https:\/\/imk.nl\/shvo\/wp-json\/wp\/v2\/pages\/4686"}],"wp:attachment":[{"href":"https:\/\/imk.nl\/shvo\/wp-json\/wp\/v2\/media?parent=4589"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}