{"id":4697,"date":"2026-02-24T11:18:16","date_gmt":"2026-02-24T11:18:16","guid":{"rendered":"https:\/\/imk.nl\/shvo\/?page_id=4697"},"modified":"2026-03-19T18:56:29","modified_gmt":"2026-03-19T18:56:29","slug":"werkwijze","status":"publish","type":"page","link":"https:\/\/imk.nl\/shvo\/werkwijze\/","title":{"rendered":"Werkwijze"},"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);\">Onze werkwijze bij schuldhulpverlening voor ondernemers<\/h1><\/div><div class=\"fusion-text fusion-text-1 fusion-text-no-margin\" style=\"--awb-margin-bottom:30px;\"><p>Schuldhulpverlening voor ondernemers vraagt om specialistische kennis \u00e9n een zorgvuldige werkwijze. Ondernemerssituaties zijn vaak complex: zakelijke schulden lopen door elkaar met priv\u00e9verplichtingen, meerdere schuldeisers hebben uiteenlopende belangen en de toekomst van de onderneming speelt mee in elke beslissing.<\/p>\n<p>IMK SHVO werkt met een duidelijke en gestructureerde aanpak, gericht op stabiliteit en duurzame oplossingen.<\/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:left 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-header-2-scaled.jpg\" data-bg=\"https:\/\/imk.nl\/shvo\/wp-content\/uploads\/sites\/4\/2026\/01\/SHVO-header-2-scaled.jpg\"><img decoding=\"async\" class=\"fusion-empty-dims-img-placeholder\" aria-label=\"SHVO-header\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%272500%27%20height%3D%271668%27%20viewBox%3D%270%200%202500%201668%27%3E%3Crect%20width%3D%272500%27%20height%3D%271668%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:5%;--awb-padding-bottom:5%;--awb-padding-top-small:15%;--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-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-2 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-color:var(--awb-custom_color_3);--awb-bg-color-hover:var(--awb-custom_color_3);--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:60px;--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-comments 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-text fusion-text-2 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-2 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:700;margin:0;letter-spacing:var(--awb-typography3-letter-spacing);text-transform:var(--awb-typography3-text-transform);font-size:1em;--fontSize:22;line-height:var(--awb-typography3-line-height);\">Brede intake en volledige analyse<\/h3><\/div><div class=\"fusion-text fusion-text-3 fusion-text-no-margin\" style=\"--awb-margin-bottom:30px;\"><p>We starten met een uitgebreide intake waarin we de volledige financi\u00eble situatie in kaart brengen:<\/p>\n<ul>\n<li>zakelijke schulden;<\/li>\n<li>priv\u00e9situatie;<\/li>\n<li>lopende verplichtingen;<\/li>\n<li>inkomsten en afloscapaciteit;<\/li>\n<li>toekomstperspectief van de onderneming.<\/li>\n<\/ul>\n<p>Zonder volledig overzicht is geen verantwoorde oplossing mogelijk.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 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-color:var(--awb-custom_color_3);--awb-bg-color-hover:var(--awb-custom_color_3);--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:60px;--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-file-alt 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-text fusion-text-4 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-3 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:700;margin:0;letter-spacing:var(--awb-typography3-letter-spacing);text-transform:var(--awb-typography3-text-transform);font-size:1em;--fontSize:22;line-height:var(--awb-typography3-line-height);\">Realistisch plan van aanpak<\/h3><\/div><div class=\"fusion-text fusion-text-5 fusion-text-no-margin\" style=\"--awb-margin-bottom:30px;\"><p>Samen met de ondernemer formuleren we duidelijke en haalbare doelen. We kijken niet alleen naar cijfers, maar ook naar gedrag, structuur en toekomstbestendigheid.<\/p>\n<p>De ondernemer weet waar hij of zij aan toe is en welke inzet nodig is.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 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-color:var(--awb-custom_color_3);--awb-bg-color-hover:var(--awb-custom_color_3);--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:60px;--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-3 fb-icon-element fontawesome-icon fa-chart-pie 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-text fusion-text-6 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-4 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:700;margin:0;letter-spacing:var(--awb-typography3-letter-spacing);text-transform:var(--awb-typography3-text-transform);font-size:1em;--fontSize:22;line-height:var(--awb-typography3-line-height);\">Stabilisatie en rust cre\u00ebren<\/h3><\/div><div class=\"fusion-text fusion-text-7 fusion-text-no-margin\" style=\"--awb-margin-bottom:30px;\"><p>Voordat onderhandelingen starten, zorgen we voor rust en overzicht.<\/p>\n<p>We ordenen de financi\u00eble situatie en brengen structuur aan. Dit voorkomt verdere escalatie en cre\u00ebert ruimte om zorgvuldig beslissingen te nemen.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 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-color:var(--awb-custom_color_3);--awb-bg-color-hover:var(--awb-custom_color_3);--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:60px;--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-4 fb-icon-element fontawesome-icon fa-chart-line 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-text fusion-text-8 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 4.<\/p>\n<\/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;--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:700;margin:0;letter-spacing:var(--awb-typography3-letter-spacing);text-transform:var(--awb-typography3-text-transform);font-size:1em;--fontSize:22;line-height:var(--awb-typography3-line-height);\">Toekomst van de onderneming<\/h3><\/div><div class=\"fusion-text fusion-text-9 fusion-text-no-margin\" style=\"--awb-margin-bottom:30px;\"><p>Een belangrijk onderdeel van ons traject is de beoordeling van de levensvatbaarheid van de onderneming. Externe Bbz-deskundigen beoordelen of voortzetting mogelijk en verantwoord is.<\/p>\n<ul>\n<li>Is er toekomstperspectief? Dan begeleiden we richting herstel en continu\u00efteit.<\/li>\n<li>Is be\u00ebindiging noodzakelijk? Dan zorgen we voor een zorgvuldige afronding met uitzicht op een schuldenvrije toekomst.<\/li>\n<\/ul>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-6 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-color:var(--awb-custom_color_3);--awb-bg-color-hover:var(--awb-custom_color_3);--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:60px;--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-5 fb-icon-element fontawesome-icon fa-handshake 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-text fusion-text-10 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 5.<\/p>\n<\/div><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;--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:700;margin:0;letter-spacing:var(--awb-typography3-letter-spacing);text-transform:var(--awb-typography3-text-transform);font-size:1em;--fontSize:22;line-height:var(--awb-typography3-line-height);\">Onderhandeling en schuldregeling<\/h3><\/div><div class=\"fusion-text fusion-text-11 fusion-text-no-margin\" style=\"--awb-margin-bottom:30px;\"><p>Wij treden namens de ondernemer in overleg met schuldeisers. Het doel is een minnelijk akkoord dat werkbaar is voor alle betrokken partijen.<\/p>\n<p>In de meeste gevallen wordt toegewerkt naar een regeling binnen een periode van maximaal 18 maanden, waarbij de volledige afloscapaciteit wordt ingezet.<\/p>\n<p>Transparantie en realisme staan hierbij centraal.<\/p>\n<\/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-color:var(--awb-custom_color_3);--awb-bg-color-hover:var(--awb-custom_color_3);--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:60px;--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-6 fb-icon-element fontawesome-icon fa-user-friends 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-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 6.<\/p>\n<\/div><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;--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:700;margin:0;letter-spacing:var(--awb-typography3-letter-spacing);text-transform:var(--awb-typography3-text-transform);font-size:1em;--fontSize:22;line-height:var(--awb-typography3-line-height);\">Nazorg en duurzame verandering<\/h3><\/div><div class=\"fusion-text fusion-text-13 fusion-text-no-margin\" style=\"--awb-margin-bottom:30px;\"><p>Een schuldregeling alleen is niet voldoende. Daarom besteden we aandacht aan financi\u00eble vaardigheden en gedragsverandering. We helpen ondernemers om patronen te herkennen en sterker verder te gaan.<\/p>\n<p>Ons doel is niet alleen het oplossen van schulden, maar het vergroten van zelfredzaamheid.<\/p>\n<\/div><\/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: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-8 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-9 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-8 fusion-sep-none fusion-title-text fusion-title-size-two\" 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;\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:25;line-height:var(--awb-typography2-line-height);\">Wat u van ons mag verwachten<\/h2><\/div><ul style=\"--awb-size:18px;--awb-margin-bottom:15px;--awb-iconcolor:var(--awb-custom12);--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-check-circle fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">Heldere communicatie<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon fa-check-circle fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">Realistische doelen<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon fa-check-circle fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">Zorgvuldige begeleiding<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon fa-check-circle fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">Betrokkenheid bij elke stap<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon fa-check-circle fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">Respect voor uw ondernemerschap<\/div><\/li><\/ul><div class=\"fusion-text fusion-text-14 fusion-text-no-margin\" style=\"--awb-margin-bottom:30px;\"><p>Heeft u vragen over onze aanpak? Neem gerust contact met ons op voor een eerste gesprek.<\/p>\n<\/div><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><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":16,"featured_media":0,"parent":0,"menu_order":3,"comment_status":"closed","ping_status":"closed","template":"100-width.php","meta":{"footnotes":""},"class_list":["post-4697","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/imk.nl\/shvo\/wp-json\/wp\/v2\/pages\/4697","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=4697"}],"version-history":[{"count":9,"href":"https:\/\/imk.nl\/shvo\/wp-json\/wp\/v2\/pages\/4697\/revisions"}],"predecessor-version":[{"id":4968,"href":"https:\/\/imk.nl\/shvo\/wp-json\/wp\/v2\/pages\/4697\/revisions\/4968"}],"wp:attachment":[{"href":"https:\/\/imk.nl\/shvo\/wp-json\/wp\/v2\/media?parent=4697"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}