{"id":11223,"date":"2026-05-27T15:27:08","date_gmt":"2026-05-27T15:27:08","guid":{"rendered":"https:\/\/www.keesdeboekhouder.nl\/?p=11223"},"modified":"2026-05-27T15:31:58","modified_gmt":"2026-05-27T15:31:58","slug":"aov-zzp","status":"publish","type":"post","link":"https:\/\/www.keesdeboekhouder.nl\/nl\/aov-zzp\/","title":{"rendered":"AOV voor zzp&#8217;ers: wat je moet weten over kosten, aftrek en de verplichte AOV"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"11223\" class=\"elementor elementor-11223\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-52e74ec5 e-con-full e-flex e-con e-parent\" data-id=\"52e74ec5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-863f563 e-con-full e-flex e-con e-child\" data-id=\"863f563\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-3d66584 e-con-full e-flex e-con e-child\" data-id=\"3d66584\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-701351c8 e-con-full e-flex e-con e-child\" data-id=\"701351c8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4c5c7807 elementor-hidden-mobile elementor-widget elementor-widget-post-info\" data-id=\"4c5c7807\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"categorie-buttons\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-a89eb26 elementor-inline-item\" itemprop=\"about\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-terms\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-post-info__terms-list\">\n\t\t\t\t<a href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/category\/blogs\/\" class=\"elementor-post-info__terms-list-item\">Blogs<\/a>\t\t\t\t<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-622ad0b6 elementor-hidden-tablet elementor-hidden-desktop elementor-widget elementor-widget-post-info\" data-id=\"622ad0b6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-a89eb26 elementor-inline-item\" itemprop=\"about\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-terms\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-post-info__terms-list\">\n\t\t\t\t<a href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/category\/blogs\/\" class=\"elementor-post-info__terms-list-item\">Blogs<\/a>\t\t\t\t<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27025576 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-breadcrumbs\" data-id=\"27025576\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p id=\"breadcrumbs\"><span><span><a href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/\">Home<\/a><\/span><\/span><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5bbaf25 elementor-widget__width-initial elementor-absolute elementor-widget elementor-widget-heading\" data-id=\"5bbaf25\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">AOV voor zzp&#8217;ers: wat je moet weten over kosten, aftrek en de verplichte AOV<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a517f9d elementor-author-box--image-valign-middle elementor-hidden-tablet elementor-widget elementor-widget-author-box\" data-id=\"4a517f9d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"author-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-author-box\">\n\t\t\t\t\t\t\t<div  class=\"elementor-author-box__avatar\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.keesdeboekhouder.nl\/wp-content\/uploads\/2026\/05\/4cb3cf02-bc3f-48e9-96b8-e12f3b14b378-300x300.png\" alt=\"Foto van Nicole Kappelhof\" loading=\"lazy\">\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"elementor-author-box__text\">\n\t\t\t\t\t\t\t\t\t<div >\n\t\t\t\t\t\t<h4 class=\"elementor-author-box__name\">\n\t\t\t\t\t\t\tNicole Kappelhof\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-author-box__bio\">\n\t\t\t\t\t\t<p>Product Manager AOV bij Insify<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f78ba3 elementor-hidden-tablet elementor-widget elementor-widget-post-info\" data-id=\"9f78ba3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-7ac6fa5 elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-clock\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm0 448c-110.5 0-200-89.5-200-200S145.5 56 256 56s200 89.5 200 200-89.5 200-200 200zm61.8-104.4l-84.9-61.7c-3.1-2.3-4.9-5.9-4.9-9.7V116c0-6.6 5.4-12 12-12h32c6.6 0 12 5.4 12 12v141.7l66.8 48.6c5.4 3.9 6.5 11.4 2.6 16.8L334.6 349c-3.9 5.3-11.4 6.5-16.8 2.6z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-custom\">\n\t\t\t\t\t\t\t\t\t\tleestijd: 10 minuten\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-03c6a94 elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-calendar\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M12 192h424c6.6 0 12 5.4 12 12v260c0 26.5-21.5 48-48 48H48c-26.5 0-48-21.5-48-48V204c0-6.6 5.4-12 12-12zm436-44v-36c0-26.5-21.5-48-48-48h-48V12c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12v52H160V12c0-6.6-5.4-12-12-12h-40c-6.6 0-12 5.4-12 12v52H48C21.5 64 0 85.5 0 112v36c0 6.6 5.4 12 12 12h424c6.6 0 12-5.4 12-12z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>27\/05\/2026<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-43ff69d0 e-flex e-con-boxed e-con e-parent\" data-id=\"43ff69d0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-58994de7 elementor-widget elementor-widget-theme-post-excerpt\" data-id=\"58994de7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-excerpt.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\tBijna 80% van de zzp\u2019ers in Nederland heeft geen arbeidsongeschiktheidsverzekering (AOV). Dat is best een risico. Val je uit? Dan is er geen werkgever die doorbetaalt en geen WIA-vangnet. Je hebt dan dus geen inkomen. Om dit financi\u00eble risico voor zzp\u2019ers te verkleinen, ligt er inmiddels een wetsvoorstel voor een verplichte AOV.\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5ff63af3 e-flex e-con-boxed e-con e-parent\" data-id=\"5ff63af3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1357f9c3 e-con-full e-flex e-con e-child\" data-id=\"1357f9c3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-cc55b07 e-con-full e-flex e-con e-child\" data-id=\"cc55b07\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4ba0d7f7 elementor-widget elementor-widget-text-editor\" data-id=\"4ba0d7f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>De verwachting is dat de Basisverzekering Arbeidsongeschiktheid voor Zelfstandigen (BAZ) in 2030 ingaat. Het is logisch dat je hier als ondernemer vragen over hebt. Om die vragen te beantwoorden, lees je hier hoe de AOV werkt, wat de kosten zijn voor een AOV als zzp\u2019er, hoe de aftrek werkt \u00e9n wat je nu al moet regelen.\u00a0<em>Deze blog wordt je aangeboden door <a href=\"https:\/\/www.insify.nl\/?utm_source=daisycon&amp;utm_medium=affiliate&amp;utm_campaign=420026_Kees+de+Boekhouder\" target=\"_blank\" rel=\"noopener\">Insify<\/a>.<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7d56cddf e-con-full e-flex e-con e-child\" data-id=\"7d56cddf\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-5381fb23 e-con-full e-flex e-con e-child\" data-id=\"5381fb23\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-216947c8 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"216947c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-book-open\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M542.22 32.05c-54.8 3.11-163.72 14.43-230.96 55.59-4.64 2.84-7.27 7.89-7.27 13.17v363.87c0 11.55 12.63 18.85 23.28 13.49 69.18-34.82 169.23-44.32 218.7-46.92 16.89-.89 30.02-14.43 30.02-30.66V62.75c.01-17.71-15.35-31.74-33.77-30.7zM264.73 87.64C197.5 46.48 88.58 35.17 33.78 32.05 15.36 31.01 0 45.04 0 62.75V400.6c0 16.24 13.13 29.78 30.02 30.66 49.49 2.6 149.59 12.11 218.77 46.95 10.62 5.35 23.21-1.94 23.21-13.46V100.63c0-5.29-2.62-10.14-7.27-12.99z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-563edce9 elementor-widget elementor-widget-heading\" data-id=\"563edce9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Inhoudsopgave<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15606e8c elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"15606e8c\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"mijn-icoonlijst\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#wat-is-een-aov\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">1. Wat is een AOV?<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#is-een-broodfonds-of-zelf-sparen-niet-voldoende\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">2. Is een broodfonds of zelf sparen niet voldoende?<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#de-verplichte-aov-baz-wat-is-de-stand-van-zaken\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">3. De verplichte AOV (BAZ): wat is de stand van zaken?<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#verplichte-aov-baz-of-particuliere-aov-wat-zijn-de-verschillen\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">4. Verplichte AOV (BAZ) of particuliere AOV: wat zijn de verschillen?<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#aov-en-je-belastingaangifte\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">5. AOV en je belastingaangifte<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#wat-moet-je-nu-al-regelen-als-ondernemer\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">6. Wat moet je nu al regelen als ondernemer?<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#de-aov-voor-ondernemers-samengevat\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">7. De AOV voor ondernemers samengevat<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7cfff860 e-con-full e-flex e-con e-child\" data-id=\"7cfff860\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-fd88e9f e-con-full e-flex e-con e-child\" data-id=\"fd88e9f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-36c99eb4 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"36c99eb4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>1<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1639f753 elementor-widget elementor-widget-heading\" data-id=\"1639f753\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"wat-is-een-aov\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Wat is een AOV?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c9eb8e elementor-widget elementor-widget-text-editor\" data-id=\"3c9eb8e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Een AOV is een arbeidsongeschiktheidsverzekering. Je betaalt maandelijks premie aan een verzekeraar. Word je ziek of raak je op een andere manier arbeidsongeschikt? Dan keert de verzekeraar een bedrag aan je uit. Zo heb je toch nog inkomen. Er zijn twee manieren waarop een AOV uitkeert:\u00a0<\/span><\/p><ul><li><b>Periodieke uitkering (bijvoorbeeld maandelijks): <\/b><span style=\"font-weight: 400;\">Dit is de meest voorkomende vorm. Je ontvangt een maandelijks bedrag zolang je arbeidsongeschikt bent.\u00a0<\/span><\/li><li><b>Uitkering ineens: <\/b><span style=\"font-weight: 400;\">De verzekeraar betaalt alles in \u00e9\u00e9n keer uit. Die keuze maakt fiscaal verschil. Daar komen we later op terug.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Mensen in loondienst hebben automatisch recht op een uitkering via hun werkgever en de WIA (Wet werk en inkomen naar arbeidsvermogen). Als zzp\u2019er regel je dit zelf via een AOV. Doe je dat niet? Dan moet je bij uitval terugvallen op je spaargeld, een broodfonds of zit je zonder inkomen.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-47cfa2a e-con-full e-flex e-con e-child\" data-id=\"47cfa2a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-37a90a90 e-con-full e-flex e-con e-child\" data-id=\"37a90a90\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2e6ab766 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"2e6ab766\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>2<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1b067ad elementor-widget elementor-widget-heading\" data-id=\"1b067ad\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"is-een-broodfonds-of-zelf-sparen-niet-voldoende\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Is een broodfonds of zelf sparen niet voldoende?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-742f04b0 elementor-widget elementor-widget-text-editor\" data-id=\"742f04b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Een AOV zal hoe dan ook verplicht worden als je ondernemer bent voor de inkomstenbelasting (afgezien van een paar uitzonderingen). Het is dus slim om je er in te verdiepen. Zo heb je als zzp\u2019er zekerheid voor de lange termijn, ook als je langdurig uitvalt. Wel kunnen een broodfonds of spaargeld helpen in de overbrugging van de wachttijd.<\/span><\/p><p><b>Wat is wachttijd?<\/b><b><br \/><\/b><span style=\"font-weight: 400;\">De wachttijd is hoelang je ziek moet zijn voordat je uitkering begint. Bij de BAZ is dat altijd twee jaar. Stel: je valt morgen uit. Dan ontvang je de eerste twee jaar niets. Maar je vaste lasten lopen gewoon door. De wachttijd zul je zelf moeten overbruggen. Bij een particuliere AOV, van bijvoorbeeld Insify, bepaal je zelf wanneer de uitkering ingaat en kun je de wachttijd veel korter maken. <\/span><i><span style=\"font-weight: 400;\">Over de verschillen tussen de verplichte AOV en de particuliere AOV lees je later meer!<\/span><\/i><\/p><p><b>Wat is een broodfonds?<\/b><b><br \/><\/b><span style=\"font-weight: 400;\">Als je lid wordt van een broodfonds, sluit je je aan bij een groep andere zzp\u2019ers. Jullie schenken elkaar geld als iemand ziek wordt. Wel zijn er een paar beperkingen: de uitkering stopt na een paar jaar en de pot is niet oneindig. Bovendien telt een broodfonds in de plannen voor de verplichte AOV niet mee als bewijs dat je verzekerd bent. Je zal dus uiteindelijk alsnog een AOV moeten afsluiten. Omdat een broodfonds na \u00e9\u00e9n maand al uitkeert, kan het wel helpen om de wachttijd van de AOV financieel te overbruggen.<\/span><\/p><p><b>Spaargeld gebruiken<br \/><\/b><span style=\"font-weight: 400;\">Zelf sparen is natuurlijk ook een optie om de wachttijd te overbruggen, maar telt niet als vervanging voor de AOV.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-107496df e-con-full e-flex e-con e-child\" data-id=\"107496df\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-bc0c9a3 e-con-full e-flex e-con e-child\" data-id=\"bc0c9a3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3640bfbe elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"3640bfbe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>3<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e3337fd elementor-widget elementor-widget-heading\" data-id=\"2e3337fd\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"de-verplichte-aov-baz-wat-is-de-stand-van-zaken\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">De verplichte AOV (BAZ): wat is de stand van zaken?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-69871de1 elementor-widget elementor-widget-text-editor\" data-id=\"69871de1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">In maart 2026 is het wetsvoorstel voor de <\/span><b>Basisverzekering Arbeidsongeschiktheid voor Zelfstandigen (BAZ)<\/b><span style=\"font-weight: 400;\"> ingediend bij de Tweede Kamer. Het wetsvoorstel moet nog door zowel de Tweede als de Eerste Kamer worden goedgekeurd, maar door afspraken met de EU moet dit voor 31 augustus 2026 gebeuren.<\/span><\/p><p><span style=\"font-weight: 400;\">De verplichte AOV geldt voor alle ondernemers die inkomstenbelasting afdragen (en geen extra baan in loondienst hebben) en gaat waarschijnlijk in 2030 in. Dat lijkt nog ver weg, maar als ondernemer wacht je liever niet tot het zover is. Dat komt door de peildatum. Dit is de datum waarop de overheid bekijkt of je al een particuliere AOV hebt, waardoor je niet hoeft over te stappen naar de publieke regeling.<\/span><\/p><p><span style=\"font-weight: 400;\">Let op: de peildatum valt waarschijnlijk in 2026. Wil je zelf bepalen hoe jouw AOV eruitziet? Dan moet je dus v\u00f3\u00f3r deze datum een particuliere AOV geregeld hebben die gelijkwaardig is aan de verplichte overheidsvariant.<\/span><\/p><p><span style=\"font-weight: 400;\">Kun je geen particuliere AOV afsluiten, bijvoorbeeld door bestaande gezondheidsredenen? Dan is de BAZ juist een uitkomst. Omdat de overheid wil dat alle werkenden in Nederland een basisvangnet hebben, heeft de BAZ een acceptatieplicht: er geldt geen medische keuring en geen leeftijds- of beroepsuitsluiting.<\/span><\/p><p><b>Dit zijn de belangrijkste punten van het wetsvoorstel voor de BAZ:<\/b><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-dc227e7 e-con-full e-flex e-con e-child\" data-id=\"dc227e7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ce4bb9b elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"ce4bb9b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Wie valt eronder:<\/b> alle ondernemers die aangifte inkomstenbelasting doen als ondernemer en geen extra baan in loondienst hebben.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Wachttijd:<\/b> twee jaar. Je moet dus eerst twee jaar ziek zijn voordat je een uitkering krijgt. <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Belastingaangifte:<\/b> zorg ervoor dat je op tijd je belastingaangiftes doet om boetes te voorkomen. Een persoonlijke boekhouder van Kees de Boekhouder kan je hierbij ondersteunen.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Uitkering: <\/b>maximaal 70% van je belastbare winst uit onderneming van het afgelopen jaar, tot een maximum van het wettelijk minimumloon. Was je winst in de jaren daarvoor hoger? Dan geldt het gemiddelde van de afgelopen 3 jaar.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Duur: <\/b>je ontvangt de uitkering tot je de AOW-leeftijd bereikt.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Uitvoering: <\/b>het UWV voert de AOV voor zzp\u2019ers uit. De premie betaal je via de Belastingdienst.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Geen medische keuring: <\/b>iedereen kan meedoen, ongeacht leeftijd of gezondheid.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Premie: <\/b>voorlopig vastgesteld op 5,4% van je winst, met een maximum van \u20ac171 per maand.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><b>Fiscaal aftrekbaar: <\/b>de premie mag je aftrekken.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7f2a803a e-con-full e-flex e-con e-child\" data-id=\"7f2a803a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-58d4f210 e-con-full e-flex e-con e-child\" data-id=\"58d4f210\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7ce71357 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"7ce71357\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>4<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-845bc9c elementor-widget elementor-widget-heading\" data-id=\"845bc9c\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"verplichte-aov-baz-of-particuliere-aov-wat-zijn-de-verschillen\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Verplichte AOV (BAZ) of particuliere AOV: wat zijn de verschillen?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-386c54ac elementor-widget elementor-widget-text-editor\" data-id=\"386c54ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Als je de BAZ met een particuliere AOV voor zzp\u2019ers vergelijkt, zie je al snel waar het verschil zit. De BAZ is een basisvangnet en dekt het minimum. Meer krijg je niet. Voor veel zzp\u2019ers is dat niet genoeg om de vaste lasten te betalen. Tel daarbij op dat de BAZ pas na twee jaar uitkeert en alleen geldt als je geen vervangend werk kunt doen. Een particuliere AOV biedt meer mogelijkheden: een hogere dekking, kortere wachttijd en meer keuzevrijheid.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c9d8a3c e-con-full e-flex e-con e-child\" data-id=\"c9d8a3c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-56e12d4 e-con-full e-flex e-con e-child\" data-id=\"56e12d4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-26c2c52 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"26c2c52\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-lightbulb\" viewBox=\"0 0 352 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M176 80c-52.94 0-96 43.06-96 96 0 8.84 7.16 16 16 16s16-7.16 16-16c0-35.3 28.72-64 64-64 8.84 0 16-7.16 16-16s-7.16-16-16-16zM96.06 459.17c0 3.15.93 6.22 2.68 8.84l24.51 36.84c2.97 4.46 7.97 7.14 13.32 7.14h78.85c5.36 0 10.36-2.68 13.32-7.14l24.51-36.84c1.74-2.62 2.67-5.7 2.68-8.84l.05-43.18H96.02l.04 43.18zM176 0C73.72 0 0 82.97 0 176c0 44.37 16.45 84.85 43.56 115.78 16.64 18.99 42.74 58.8 52.42 92.16v.06h48v-.12c-.01-4.77-.72-9.51-2.15-14.07-5.59-17.81-22.82-64.77-62.17-109.67-20.54-23.43-31.52-53.15-31.61-84.14-.2-73.64 59.67-128 127.95-128 70.58 0 128 57.42 128 128 0 30.97-11.24 60.85-31.65 84.14-39.11 44.61-56.42 91.47-62.1 109.46a47.507 47.507 0 0 0-2.22 14.3v.1h48v-.05c9.68-33.37 35.78-73.18 52.42-92.16C335.55 260.85 352 220.37 352 176 352 78.8 273.2 0 176 0z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-514e5ef elementor-widget elementor-widget-heading\" data-id=\"514e5ef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Opt-out: al een particuliere AOV? Dan hoef je niet mee met de BAZ<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e8b186 elementor-widget elementor-widget-text-editor\" data-id=\"4e8b186\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Je kunt vrijstelling van de verplichte AOV aanvragen als je v\u00f3\u00f3r de peildatum al een particuliere AOV hebt die minimaal gelijkwaardig is aan de BAZ. Maar ja, wanneer is die peildatum nou precies? Daarom kun je het beste nu al je opties bekijken en voor zekerheid kiezen.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eba7b58 elementor-widget elementor-widget-text-editor\" data-id=\"eba7b58\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Dit zijn alle verschillen tussen de verplichte AOV (BAZ) en de particuliere AOV:<\/span><\/p><table><tbody><tr><td>\u00a0<\/td><td><p><b>BAZ (verplicht)<\/b><\/p><\/td><td><p><b>Particuliere AOV<\/b><\/p><\/td><\/tr><tr><td><p><b>Dekking<\/b><\/p><\/td><td><p><span style=\"font-weight: 400;\">Maximaal 70% van je winst met het minimumloon als plafond\u00a0<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Tot 80% van je inkomen\u00a0<\/span><\/p><\/td><\/tr><tr><td><p><b>Premie<\/b><\/p><\/td><td><p><span style=\"font-weight: 400;\">5,4% van je winst, maximaal\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">\u20ac171\/mnd<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Afhankelijk van leeftijd,\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">beroep en dekking<\/span><\/p><\/td><\/tr><tr><td><p><b>Wachttijd\u00a0<\/b><\/p><\/td><td><p><span style=\"font-weight: 400;\">2 jaar\u00a0<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Vanaf 1 maand mogelijk<\/span><\/p><\/td><\/tr><tr><td><p><b>Medische keuring<\/b><\/p><\/td><td><p><span style=\"font-weight: 400;\">Nee<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Ja, afhankelijk van<\/span><\/p><p><span style=\"font-weight: 400;\">verzekeraar<\/span><\/p><\/td><\/tr><tr><td><p><b>Uitkering tot<\/b><\/p><\/td><td><p><span style=\"font-weight: 400;\">AOW-leeftijd<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">AOW-leeftijd (afhankelijk van polis)<\/span><\/p><\/td><\/tr><tr><td><p><b>Opt-out<\/b><\/p><\/td><td><p><span style=\"font-weight: 400;\">Nee (tenzij gelijkwaardige particuliere AOV)<\/span><\/p><\/td><td><p><span style=\"font-weight: 400;\">Ja, mits minimaal\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">gelijkwaardig aan de BAZ<\/span><\/p><\/td><\/tr><\/tbody><\/table><p><b><br \/>Rekenvoorbeeld: de premie van de BAZ berekenen<\/b><\/p><p><span style=\"font-weight: 400;\">Stel: je hebt een winst van \u20ac50.000 per jaar. Om de AOV-premie als zzp\u2019er te berekenen neem je 5,4% van \u20ac50.000 = \u20ac2.700 per jaar, oftewel \u20ac225 per maand. Maar de premie is afgetopt op \u20ac171 per maand, dus je betaalt nooit meer dan dat. Je uitkering wordt maximaal het wettelijk minimumloon (bruto rond \u20ac2.070 per maand in 2026), maar pas na twee jaar uitval.<\/span><\/p><p><span style=\"font-weight: 400;\">Met een particuliere AOV kun je een hogere uitkering verzekeren, een kortere wachttijd kiezen en meer maatwerk regelen. De premie wordt dan wel hoger, maar de dekking sluit beter aan op je werkelijke inkomen.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d3065dc e-con-full e-flex e-con e-child\" data-id=\"d3065dc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-99b3b8f elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"99b3b8f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-question-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.997-111.043 248-248 248S8 392.997 8 256C8 119.083 119.043 8 256 8s248 111.083 248 248zM262.655 90c-54.497 0-89.255 22.957-116.549 63.758-3.536 5.286-2.353 12.415 2.715 16.258l34.699 26.31c5.205 3.947 12.621 3.008 16.665-2.122 17.864-22.658 30.113-35.797 57.303-35.797 20.429 0 45.698 13.148 45.698 32.958 0 14.976-12.363 22.667-32.534 33.976C247.128 238.528 216 254.941 216 296v4c0 6.627 5.373 12 12 12h56c6.627 0 12-5.373 12-12v-1.333c0-28.462 83.186-29.647 83.186-106.667 0-58.002-60.165-102-116.531-102zM256 338c-25.365 0-46 20.635-46 46 0 25.364 20.635 46 46 46s46-20.636 46-46c0-25.365-20.635-46-46-46z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-693dc6b e-con-full e-flex e-con e-child\" data-id=\"693dc6b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ab978f6 elementor-widget elementor-widget-text-editor\" data-id=\"ab978f6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Wat de beste AOV voor jou is, hangt af van je inkomen, je beroep en hoeveel risico je wil dragen. Insify kan je helpen om de afweging te maken.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6349d03 elementor-widget elementor-widget-button\" data-id=\"6349d03\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.insify.nl\/?utm_source=daisycon&#038;utm_medium=affiliate&#038;utm_campaign=420026_Kees+de+Boekhouder\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Bezoek Insify.nl<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-57f74f2c e-con-full e-flex e-con e-child\" data-id=\"57f74f2c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1975d96e e-con-full e-flex e-con e-child\" data-id=\"1975d96e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5c118f43 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"5c118f43\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>5<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4bf03a0c elementor-widget elementor-widget-heading\" data-id=\"4bf03a0c\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"aov-en-je-belastingaangifte\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">AOV en je belastingaangifte<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f10471a elementor-widget elementor-widget-text-editor\" data-id=\"2f10471a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">De fiscale behandeling van een AOV hangt af van welke variant je hebt.\u00a0<\/span><\/p><p><b>Periodieke AOV (maandelijkse uitkering)<\/b><\/p><p><span style=\"font-weight: 400;\">De premie die je betaalt is aftrekbaar. Niet als zakelijke kosten, maar als \u2018uitgave voor inkomensvoorzieningen\u2019 in je aangifte inkomstenbelasting. Dat scheelt direct in je belastingbedrag.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Als je later een uitkering ontvangt, geef je die op als \u2018inkomsten uit vroegere dienstbetrekking\u2019. De verzekeraar houdt loonbelasting in, net zoals bij een salaris. Die ingehouden loonbelasting wordt verrekend met je aangifte inkomstenbelasting.\u00a0<\/span><\/p><p><b>AOV met uitkering ineens<\/b><\/p><p><span style=\"font-weight: 400;\">Hier geldt de omgekeerde regel: de premie is niet aftrekbaar. Maar de uitkering die je ontvangt, hoef je ook niet op te geven als inkomen. Het bedrag telt wel mee voor je vermogen in Box 3.<\/span><\/p><p><span style=\"font-weight: 400;\">Twijfel je welke variant voor jou het beste uitpakt? Vraag dan een verzekeraar, zoals <a href=\"https:\/\/www.insify.nl\/?utm_source=daisycon&amp;utm_medium=affiliate&amp;utm_campaign=420026_Kees+de+Boekhouder\" target=\"_blank\" rel=\"noopener\">Insify<\/a>, om advies.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ece477d e-con-full e-flex e-con e-child\" data-id=\"ece477d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-83c131b e-con-full e-flex e-con e-child\" data-id=\"83c131b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-75a6463 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"75a6463\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>6<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a1471e5 elementor-widget elementor-widget-heading\" data-id=\"a1471e5\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"wat-moet-je-nu-al-regelen-als-ondernemer\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Wat moet je nu al regelen als ondernemer?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e524a50 elementor-widget elementor-widget-text-editor\" data-id=\"e524a50\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>Praktische tips:<\/b><\/p><ul><li><span style=\"font-weight: 400;\">Sluit je AOV als zzp\u2019er niet op het laatste moment af. Een aanvraag bij een verzekeraar duurt 2 tot 6 weken. Ook is er een medische keuring, en niet iedereen wordt direct geaccepteerd.\u00a0<\/span><\/li><li><span style=\"font-weight: 400;\">Heb je een broodfonds? Goed voor de eerste twee jaar wachttijd, maar een broodfonds telt niet mee als vervanging voor de BAZ.\u00a0<\/span><\/li><li><span style=\"font-weight: 400;\">Overweeg nu al een particuliere AOV die voldoet aan de BAZ-eisen. Dan ben je straks vrijgesteld \u00e9n verzekerd op jouw voorwaarden.<\/span><\/li><li>Controleer je huidige situatie. Heb je al een AOV? Check of die doorloopt tot minimaal je 55e. Dat is een van de voorwaarden voor vrijstelling van de verplichte AOV.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-12e0fb2 e-con-full e-flex e-con e-child\" data-id=\"12e0fb2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4436583 e-con-full e-flex e-con e-child\" data-id=\"4436583\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ed280a7 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"ed280a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>7<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d8dbd0 elementor-widget elementor-widget-heading\" data-id=\"1d8dbd0\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"de-aov-voor-ondernemers-samengevat\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">De AOV voor ondernemers samengevat<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abeabaf elementor-widget elementor-widget-text-editor\" data-id=\"abeabaf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">De verplichte AOV komt eraan. Wanneer precies weten we nog niet, maar de peildatum nadert. Als je nu al een particuliere AOV afsluit die voldoet aan de BAZ-eisen, kun je straks vrijgesteld worden van de collectieve regeling en heb je zelf de regie over je dekking.<\/span><\/p><p><span style=\"font-weight: 400;\">Kees de Boekhouder helpt je met je aangifte en aftrekposten. Insify regelt je AOV. Door deze samenwerking ben je compleet beschermd.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Wil je weten wat de beste keuze is voor jouw situatie? <\/span>Lees meer op de website van <a href=\"https:\/\/www.insify.nl\/?utm_source=daisycon&amp;utm_medium=affiliate&amp;utm_campaign=420026_Kees+de+Boekhouder\">Insify<\/a> en bereken gelijk je premie.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7607f667 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"7607f667\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-56937c06 e-con-full e-flex e-con e-child\" data-id=\"56937c06\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-21da10b2 e-con-full e-flex e-con e-child\" data-id=\"21da10b2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7aafeb4 elementor-widget elementor-widget-image\" data-id=\"7aafeb4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"642\" height=\"642\" src=\"https:\/\/www.keesdeboekhouder.nl\/wp-content\/uploads\/2026\/05\/4cb3cf02-bc3f-48e9-96b8-e12f3b14b378.png\" class=\"attachment-large size-large wp-image-11225\" alt=\"\" srcset=\"https:\/\/www.keesdeboekhouder.nl\/wp-content\/uploads\/2026\/05\/4cb3cf02-bc3f-48e9-96b8-e12f3b14b378.png 642w, https:\/\/www.keesdeboekhouder.nl\/wp-content\/uploads\/2026\/05\/4cb3cf02-bc3f-48e9-96b8-e12f3b14b378-300x300.png 300w, https:\/\/www.keesdeboekhouder.nl\/wp-content\/uploads\/2026\/05\/4cb3cf02-bc3f-48e9-96b8-e12f3b14b378-150x150.png 150w\" sizes=\"(max-width: 642px) 100vw, 642px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-651e361c e-con-full e-flex e-con e-child\" data-id=\"651e361c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-354d5a3b elementor-widget elementor-widget-heading\" data-id=\"354d5a3b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Over de auteur: Nicole Kappelhof<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b744af9 elementor-widget elementor-widget-text-editor\" data-id=\"2b744af9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Product Manager AOV bij <a href=\"https:\/\/www.insify.nl\/?utm_source=daisycon&amp;utm_medium=affiliate&amp;utm_campaign=420026_Kees+de+Boekhouder\" target=\"_blank\" rel=\"noopener\">Insify<\/a><\/p><p><em>Nicole is actuarieel expert met jarenlange ervaring in pricing, risico en strategie binnen de verzekeringssector. Bij Insify zet ze die kennis in voor zzp&#8217;ers en ondernemers: zonder gedoe een goed vangnet regelen, zodat zij zich kunnen richten op waar ze het beste in zijn \u2014 ondernemen.<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-230ad1d e-con-full e-flex e-con e-child\" data-id=\"230ad1d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-75b593fd elementor-widget elementor-widget-heading\" data-id=\"75b593fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Klaar om kennis te maken?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1b34ecdd elementor-widget elementor-widget-text-editor\" data-id=\"1b34ecdd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Ben je na het lezen van deze blog benieuwd naar hoe Kees de Boekhouder dagelijks ondernemers helpt met hun boekhouding? Plan dan een vrijblijvend gesprek met ons in!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b055db elementor-widget elementor-widget-button\" data-id=\"7b055db\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/plan-gesprek\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Plan gesprek<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-25f7daf2 e-con-full elementor-hidden-tablet e-flex e-con e-child\" data-id=\"25f7daf2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-7cea3344 e-con-full e-flex e-con e-child\" data-id=\"7cea3344\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-190b89e9 elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"190b89e9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-users\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M96 224c35.3 0 64-28.7 64-64s-28.7-64-64-64-64 28.7-64 64 28.7 64 64 64zm448 0c35.3 0 64-28.7 64-64s-28.7-64-64-64-64 28.7-64 64 28.7 64 64 64zm32 32h-64c-17.6 0-33.5 7.1-45.1 18.6 40.3 22.1 68.9 62 75.1 109.4h66c17.7 0 32-14.3 32-32v-32c0-35.3-28.7-64-64-64zm-256 0c61.9 0 112-50.1 112-112S381.9 32 320 32 208 82.1 208 144s50.1 112 112 112zm76.8 32h-8.3c-20.8 10-43.9 16-68.5 16s-47.6-6-68.5-16h-8.3C179.6 288 128 339.6 128 403.2V432c0 26.5 21.5 48 48 48h288c26.5 0 48-21.5 48-48v-28.8c0-63.6-51.6-115.2-115.2-115.2zm-223.7-13.4C161.5 263.1 145.6 256 128 256H64c-35.3 0-64 28.7-64 64v32c0 17.7 14.3 32 32 32h65.9c6.3-47.4 34.9-87.3 75.2-109.4z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tErvaringen\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tKees de Boekhouder\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-12245989 elementor-widget elementor-widget-text-editor\" data-id=\"12245989\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>&#8220;Makkelijk en overzichtelijk boekhoudprogramma met vriendelijke en behulpzame medewerkers&#8221;<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-106d197f e-con-full e-flex e-con e-child\" data-id=\"106d197f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ba850ce elementor-widget elementor-widget-rating\" data-id=\"3ba850ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"rating.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-rating\" itemtype=\"https:\/\/schema.org\/Rating\" itemscope=\"\" itemprop=\"reviewRating\">\n\t\t\t<meta itemprop=\"worstRating\" content=\"0\">\n\t\t\t<meta itemprop=\"bestRating\" content=\"5\">\n\t\t\t<div class=\"e-rating-wrapper\" itemprop=\"ratingValue\" content=\"5\" role=\"img\" aria-label=\"Waardering 5 van 5\">\n\t\t\t\t\t\t\t<div class=\"e-icon\">\n\t\t\t\t<div class=\"e-icon-wrapper e-icon-marked\">\n\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-star\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M450 75L338 312 88 350C46 354 25 417 58 450L238 633 196 896C188 942 238 975 275 954L500 837 725 954C767 975 813 942 804 896L763 633 942 450C975 417 954 358 913 350L663 312 550 75C529 33 471 33 450 75Z\"><\/path><\/svg>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"e-icon-wrapper e-icon-unmarked\">\n\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-star\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M450 75L338 312 88 350C46 354 25 417 58 450L238 633 196 896C188 942 238 975 275 954L500 837 725 954C767 975 813 942 804 896L763 633 942 450C975 417 954 358 913 350L663 312 550 75C529 33 471 33 450 75Z\"><\/path><\/svg>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"e-icon\">\n\t\t\t\t<div class=\"e-icon-wrapper e-icon-marked\">\n\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-star\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M450 75L338 312 88 350C46 354 25 417 58 450L238 633 196 896C188 942 238 975 275 954L500 837 725 954C767 975 813 942 804 896L763 633 942 450C975 417 954 358 913 350L663 312 550 75C529 33 471 33 450 75Z\"><\/path><\/svg>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"e-icon-wrapper e-icon-unmarked\">\n\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-star\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M450 75L338 312 88 350C46 354 25 417 58 450L238 633 196 896C188 942 238 975 275 954L500 837 725 954C767 975 813 942 804 896L763 633 942 450C975 417 954 358 913 350L663 312 550 75C529 33 471 33 450 75Z\"><\/path><\/svg>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"e-icon\">\n\t\t\t\t<div class=\"e-icon-wrapper e-icon-marked\">\n\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-star\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M450 75L338 312 88 350C46 354 25 417 58 450L238 633 196 896C188 942 238 975 275 954L500 837 725 954C767 975 813 942 804 896L763 633 942 450C975 417 954 358 913 350L663 312 550 75C529 33 471 33 450 75Z\"><\/path><\/svg>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"e-icon-wrapper e-icon-unmarked\">\n\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-star\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M450 75L338 312 88 350C46 354 25 417 58 450L238 633 196 896C188 942 238 975 275 954L500 837 725 954C767 975 813 942 804 896L763 633 942 450C975 417 954 358 913 350L663 312 550 75C529 33 471 33 450 75Z\"><\/path><\/svg>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"e-icon\">\n\t\t\t\t<div class=\"e-icon-wrapper e-icon-marked\">\n\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-star\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M450 75L338 312 88 350C46 354 25 417 58 450L238 633 196 896C188 942 238 975 275 954L500 837 725 954C767 975 813 942 804 896L763 633 942 450C975 417 954 358 913 350L663 312 550 75C529 33 471 33 450 75Z\"><\/path><\/svg>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"e-icon-wrapper e-icon-unmarked\">\n\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-star\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M450 75L338 312 88 350C46 354 25 417 58 450L238 633 196 896C188 942 238 975 275 954L500 837 725 954C767 975 813 942 804 896L763 633 942 450C975 417 954 358 913 350L663 312 550 75C529 33 471 33 450 75Z\"><\/path><\/svg>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"e-icon\">\n\t\t\t\t<div class=\"e-icon-wrapper e-icon-marked\">\n\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-star\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M450 75L338 312 88 350C46 354 25 417 58 450L238 633 196 896C188 942 238 975 275 954L500 837 725 954C767 975 813 942 804 896L763 633 942 450C975 417 954 358 913 350L663 312 550 75C529 33 471 33 450 75Z\"><\/path><\/svg>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"e-icon-wrapper e-icon-unmarked\">\n\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-star\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M450 75L338 312 88 350C46 354 25 417 58 450L238 633 196 896C188 942 238 975 275 954L500 837 725 954C767 975 813 942 804 896L763 633 942 450C975 417 954 358 913 350L663 312 550 75C529 33 471 33 450 75Z\"><\/path><\/svg>\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-16f3f461 elementor-widget elementor-widget-text-editor\" data-id=\"16f3f461\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>(127 reviews)<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f3031b3 elementor-widget elementor-widget-button\" data-id=\"3f3031b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/plan-gesprek\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Plan gesprek<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-34f99044 e-con-full e-flex e-con e-child\" data-id=\"34f99044\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-70d1cd87 elementor-widget elementor-widget-heading\" data-id=\"70d1cd87\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Direct contact<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7dc699ae e-con-full e-flex e-con e-child\" data-id=\"7dc699ae\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-226dbecb elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"226dbecb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon\" href=\"tel:+310880899100\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-phone-alt\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M497.39 361.8l-112-48a24 24 0 0 0-28 6.9l-49.6 60.6A370.66 370.66 0 0 1 130.6 204.11l60.6-49.6a23.94 23.94 0 0 0 6.9-28l-48-112A24.16 24.16 0 0 0 122.6.61l-104 24A24 24 0 0 0 0 48c0 256.5 207.9 464 464 464a24 24 0 0 0 23.4-18.6l24-104a24.29 24.29 0 0 0-14.01-27.6z\"><\/path><\/svg>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4416edfa elementor-widget elementor-widget-html\" data-id=\"4416edfa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<a href=\"tel:+310880899100\" style=\"text-decoration: none; color: inherit;\">\n    <span style=\"font-size:14px;\">+31 (0)88-0899100<\/span>\n<\/a>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-13b0aadd e-con-full e-flex e-con e-child\" data-id=\"13b0aadd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6113aa59 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"6113aa59\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon\" href=\"mailto:info@keesdeboekhouder.nl\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-envelope\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M502.3 190.8c3.9-3.1 9.7-.2 9.7 4.7V400c0 26.5-21.5 48-48 48H48c-26.5 0-48-21.5-48-48V195.6c0-5 5.7-7.8 9.7-4.7 22.4 17.4 52.1 39.5 154.1 113.6 21.1 15.4 56.7 47.8 92.2 47.6 35.7.3 72-32.8 92.3-47.6 102-74.1 131.6-96.3 154-113.7zM256 320c23.2.4 56.6-29.2 73.4-41.4 132.7-96.3 142.8-104.7 173.4-128.7 5.8-4.5 9.2-11.5 9.2-18.9v-19c0-26.5-21.5-48-48-48H48C21.5 64 0 85.5 0 112v19c0 7.4 3.4 14.3 9.2 18.9 30.6 23.9 40.7 32.4 173.4 128.7 16.8 12.2 50.2 41.8 73.4 41.4z\"><\/path><\/svg>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-294d2f9f elementor-widget elementor-widget-html\" data-id=\"294d2f9f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<a href=\"mailto:info@keesdeboekhouder.nl\" style=\"font-size:14px; text-decoration: none; color: inherit;\">\n    info@keesdeboekhouder.nl\n<\/a>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4d8bc8cf e-con-full e-flex e-con e-child\" data-id=\"4d8bc8cf\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-525fac1c elementor-widget elementor-widget-heading\" data-id=\"525fac1c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Ontdek onze tool<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6a8ab533 e-con-full e-flex e-con e-child\" data-id=\"6a8ab533\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-32f9b3b9 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"32f9b3b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon\" href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/dashboard\/\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-desktop\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M528 0H48C21.5 0 0 21.5 0 48v320c0 26.5 21.5 48 48 48h192l-16 48h-72c-13.3 0-24 10.7-24 24s10.7 24 24 24h272c13.3 0 24-10.7 24-24s-10.7-24-24-24h-72l-16-48h192c26.5 0 48-21.5 48-48V48c0-26.5-21.5-48-48-48zm-16 352H64V64h448v288z\"><\/path><\/svg>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b0fd59 elementor-widget elementor-widget-html\" data-id=\"3b0fd59\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<a href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/dashboard\/\"><span style=\"font-size:14px;\">Dashboard<\/span><\/a>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-14bacf8f e-con-full e-flex e-con e-child\" data-id=\"14bacf8f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5fe35ee7 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"5fe35ee7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon\" href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/bonnetjes-scannen\/\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-search\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M505 442.7L405.3 343c-4.5-4.5-10.6-7-17-7H372c27.6-35.3 44-79.7 44-128C416 93.1 322.9 0 208 0S0 93.1 0 208s93.1 208 208 208c48.3 0 92.7-16.4 128-44v16.3c0 6.4 2.5 12.5 7 17l99.7 99.7c9.4 9.4 24.6 9.4 33.9 0l28.3-28.3c9.4-9.4 9.4-24.6.1-34zM208 336c-70.7 0-128-57.2-128-128 0-70.7 57.2-128 128-128 70.7 0 128 57.2 128 128 0 70.7-57.2 128-128 128z\"><\/path><\/svg>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6881e069 elementor-widget elementor-widget-html\" data-id=\"6881e069\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<a href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/bonnetjes-scannen\/\"><span style=\"font-size:14px;\">Scan & Herken<\/span><\/a>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-583ea2bb e-con-full e-flex e-con e-child\" data-id=\"583ea2bb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5662dec3 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"5662dec3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon\" href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/offertes-en-facturen\/\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-handshake\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M519.2 127.9l-47.6-47.6A56.252 56.252 0 0 0 432 64H205.2c-14.8 0-29.1 5.9-39.6 16.3L118 127.9H0v255.7h64c17.6 0 31.8-14.2 31.9-31.7h9.1l84.6 76.4c30.9 25.1 73.8 25.7 105.6 3.8 12.5 10.8 26 15.9 41.1 15.9 18.2 0 35.3-7.4 48.8-24 22.1 8.7 48.2 2.6 64-16.8l26.2-32.3c5.6-6.9 9.1-14.8 10.9-23h57.9c.1 17.5 14.4 31.7 31.9 31.7h64V127.9H519.2zM48 351.6c-8.8 0-16-7.2-16-16s7.2-16 16-16 16 7.2 16 16c0 8.9-7.2 16-16 16zm390-6.9l-26.1 32.2c-2.8 3.4-7.8 4-11.3 1.2l-23.9-19.4-30 36.5c-6 7.3-15 4.8-18 2.4l-36.8-31.5-15.6 19.2c-13.9 17.1-39.2 19.7-55.3 6.6l-97.3-88H96V175.8h41.9l61.7-61.6c2-.8 3.7-1.5 5.7-2.3H262l-38.7 35.5c-29.4 26.9-31.1 72.3-4.4 101.3 14.8 16.2 61.2 41.2 101.5 4.4l8.2-7.5 108.2 87.8c3.4 2.8 3.9 7.9 1.2 11.3zm106-40.8h-69.2c-2.3-2.8-4.9-5.4-7.7-7.7l-102.7-83.4 12.5-11.4c6.5-6 7-16.1 1-22.6L367 167.1c-6-6.5-16.1-6.9-22.6-1l-55.2 50.6c-9.5 8.7-25.7 9.4-34.6 0-9.3-9.9-8.5-25.1 1.2-33.9l65.6-60.1c7.4-6.8 17-10.5 27-10.5l83.7-.2c2.1 0 4.1.8 5.5 2.3l61.7 61.6H544v128zm48 47.7c-8.8 0-16-7.2-16-16s7.2-16 16-16 16 7.2 16 16c0 8.9-7.2 16-16 16z\"><\/path><\/svg>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fb1df69 elementor-widget elementor-widget-html\" data-id=\"fb1df69\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<a href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/offertes-en-facturen\/\"><span style=\"font-size:14px;\">Offertes & Facturen<\/span><\/a>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-60527ed9 e-con-full e-flex e-con e-child\" data-id=\"60527ed9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6ae176d8 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"6ae176d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<a class=\"elementor-icon\" href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/bankkoppeling\/\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-credit-card\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M527.9 32H48.1C21.5 32 0 53.5 0 80v352c0 26.5 21.5 48 48.1 48h479.8c26.6 0 48.1-21.5 48.1-48V80c0-26.5-21.5-48-48.1-48zM54.1 80h467.8c3.3 0 6 2.7 6 6v42H48.1V86c0-3.3 2.7-6 6-6zm467.8 352H54.1c-3.3 0-6-2.7-6-6V256h479.8v170c0 3.3-2.7 6-6 6zM192 332v40c0 6.6-5.4 12-12 12h-72c-6.6 0-12-5.4-12-12v-40c0-6.6 5.4-12 12-12h72c6.6 0 12 5.4 12 12zm192 0v40c0 6.6-5.4 12-12 12H236c-6.6 0-12-5.4-12-12v-40c0-6.6 5.4-12 12-12h136c6.6 0 12 5.4 12 12z\"><\/path><\/svg>\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-19560c43 elementor-widget elementor-widget-html\" data-id=\"19560c43\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<a href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/bankkoppeling\/\"><span style=\"font-size:14px;\">Bankkoppeling<\/span><\/a>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-30b2235d elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"30b2235d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6773c164 e-con-full e-flex e-con e-child\" data-id=\"6773c164\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-66df7240 e-con-full e-flex e-con e-child\" data-id=\"66df7240\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-741004d0 elementor-widget elementor-widget-heading\" data-id=\"741004d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Veelgestelde vragen<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-13a19791 faq-accordion elementor-widget elementor-widget-n-accordion\" data-id=\"13a19791\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-3290\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-3290\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Wat is de uiterste datum voor het indienen van de aangifte inkomstenbelasting? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3290\" class=\"elementor-element elementor-element-42aa05be e-con-full e-flex e-con e-child\" data-id=\"42aa05be\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3290\" class=\"elementor-element elementor-element-7d66d83f e-flex e-con-boxed e-con e-child\" data-id=\"7d66d83f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5d64f53a elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"5d64f53a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span data-path-to-node=\"3,0,1,0\"><span class=\"citation-19\">De aangifte moet in principe v\u00f3\u00f3r 1 mei binnen zijn bij de Belastingdienst, tenzij jij of je boekhouder uitstel heeft aangevraagd.<\/span><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-3291\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-3291\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Waaruit bestaat de jaarrekening voor ondernemers voor de inkomstenbelasting? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3291\" class=\"elementor-element elementor-element-1fd13c20 e-con-full e-flex e-con e-child\" data-id=\"1fd13c20\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3291\" class=\"elementor-element elementor-element-1212b7ae e-flex e-con-boxed e-con e-child\" data-id=\"1212b7ae\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3601f408 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"3601f408\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span data-path-to-node=\"5,0,1,0\"><span class=\"citation-17\">De jaarrekening bestaat uit een balans en winst &amp; verliesrekening<\/span><\/span><span data-path-to-node=\"5,0,1,2\">. Je kunt deze zelf opstellen of dit laten doen door een boekhouder.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-3292\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-3292\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Hoeveel moet ik als zzp'er op zij zetten voor de inkomstenbelasting? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3292\" class=\"elementor-element elementor-element-4575e81 e-con-full e-flex e-con e-child\" data-id=\"4575e81\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3292\" class=\"elementor-element elementor-element-634a3817 e-flex e-con-boxed e-con e-child\" data-id=\"634a3817\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2acf139 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"2acf139\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Als je zzp\u2019en combineert met loondienst, of pas bent begonnen als zzp&#8217;er en ook nog in loondienst hebt gewerkt gedurende het jaar, dan zou je het beste de helft apart kunnen houden van de gemaakte winst. Wanneer je alleen werkzaam bent als zzp\u2019er, hoef je een stuk minder opzij te zetten. Je boekhouder kan dit het beste voor je inschatten.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-3293\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-3293\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Is het mogelijk om uitstel aan te vragen voor de aangifte inkomstenbelasting? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3293\" class=\"elementor-element elementor-element-ed4feba e-con-full e-flex e-con e-child\" data-id=\"ed4feba\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-3293\" class=\"elementor-element elementor-element-82f2615 e-flex e-con-boxed e-con e-child\" data-id=\"82f2615\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e6bacd6 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"e6bacd6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span data-path-to-node=\"11,0,1,0\"><span class=\"citation-11\">Ja, als particulier kun je uitstel aanvragen tot 1 september van hetzelfde jaar; een boekhoudkantoor mag uitstel aanvragen tot 1 mei van het volgende jaar<\/span><\/span><span data-path-to-node=\"11,0,1,2\">.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Wat is de uiterste datum voor het indienen van de aangifte inkomstenbelasting?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"De aangifte moet in principe v\\u00f3\\u00f3r 1 mei binnen zijn bij de Belastingdienst, tenzij jij of je boekhouder uitstel heeft aangevraagd.\"}},{\"@type\":\"Question\",\"name\":\"Waaruit bestaat de jaarrekening voor ondernemers voor de inkomstenbelasting?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"De jaarrekening bestaat uit een balans en winst &amp; verliesrekening. Je kunt deze zelf opstellen of dit laten doen door een boekhouder.\"}},{\"@type\":\"Question\",\"name\":\"Hoeveel moet ik als zzp'er op zij zetten voor de inkomstenbelasting?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Als je zzp\\u2019en combineert met loondienst, of pas bent begonnen als zzp&#8217;er en ook nog in loondienst hebt gewerkt gedurende het jaar, dan zou je het beste de helft apart kunnen houden van de gemaakte winst. Wanneer je alleen werkzaam bent als zzp\\u2019er, hoef je een stuk minder opzij te zetten. Je boekhouder kan dit het beste voor je inschatten.\"}},{\"@type\":\"Question\",\"name\":\"Is het mogelijk om uitstel aan te vragen voor de aangifte inkomstenbelasting?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Ja, als particulier kun je uitstel aanvragen tot 1 september van hetzelfde jaar; een boekhoudkantoor mag uitstel aanvragen tot 1 mei van het volgende jaar.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7d8b07cf e-flex e-con-boxed e-con e-parent\" data-id=\"7d8b07cf\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-cdb427b e-con-full e-flex e-con e-child\" data-id=\"cdb427b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-747dd537 elementor-widget elementor-widget-heading\" data-id=\"747dd537\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Meer weten?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-637f2994 e-con-full e-flex e-con e-child\" data-id=\"637f2994\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-236778ca e-con-full e-flex e-con e-child\" data-id=\"236778ca\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3c48ccb9 elementor-widget elementor-widget-heading\" data-id=\"3c48ccb9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">We leggen het je graag uit!<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-78caf5f5 elementor-widget elementor-widget-text-editor\" data-id=\"78caf5f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Plan een vrijblijvend, digitaal kennismakingsgesprek met ons in.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-41aa8bcf e-con-full e-flex e-con e-child\" data-id=\"41aa8bcf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2776faa9 elementor-widget elementor-widget-button\" data-id=\"2776faa9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/plan-gesprek\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Plan gesprek<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7bccd0c4 e-flex e-con-boxed e-con e-parent\" data-id=\"7bccd0c4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2009b82 e-con-full e-flex e-con e-child\" data-id=\"2009b82\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2b6e9fe3 elementor-widget elementor-widget-heading\" data-id=\"2b6e9fe3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Nog meer nieuws<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-55a2b0a7 e-con-full e-flex e-con e-child\" data-id=\"55a2b0a7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-443f60cc elementor-widget elementor-widget-heading\" data-id=\"443f60cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/nieuws\/\">Bekijk al het nieuws -&gt;<\/a><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-603235f9 e-flex e-con-boxed e-con e-child\" data-id=\"603235f9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5cda2ff1 elementor-grid-tablet-2 elementor-grid-3 elementor-grid-mobile-1 elementor-widget elementor-widget-loop-grid\" data-id=\"5cda2ff1\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"news-feed-highlight\" data-settings=\"{&quot;template_id&quot;:310,&quot;columns_tablet&quot;:2,&quot;_skin&quot;:&quot;post&quot;,&quot;columns&quot;:&quot;3&quot;,&quot;columns_mobile&quot;:&quot;1&quot;,&quot;edit_handle_selector&quot;:&quot;[data-elementor-type=\\&quot;loop-item\\&quot;]&quot;,&quot;row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"loop-grid.post\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-loop-container elementor-grid\" role=\"list\">\n\t\t<style id=\"loop-310\">.elementor-310 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);word-spacing:var( --e-global-typography-e81e6e9-word-spacing );}.elementor-widget-theme-post-title .elementor-heading-title{font-family:var( --e-global-typography-primary-font-family ), Sans-serif;font-size:var( --e-global-typography-primary-font-size );font-weight:var( --e-global-typography-primary-font-weight );line-height:var( --e-global-typography-primary-line-height );color:var( --e-global-color-primary );}.elementor-310 .elementor-element.elementor-element-ec1659d .elementor-heading-title{font-family:var( --e-global-typography-70744ec-font-family ), Sans-serif;font-size:var( --e-global-typography-70744ec-font-size );font-weight:var( --e-global-typography-70744ec-font-weight );line-height:var( --e-global-typography-70744ec-line-height );letter-spacing:var( --e-global-typography-70744ec-letter-spacing );word-spacing:var( --e-global-typography-70744ec-word-spacing );}@media(max-width:1024px){.elementor-widget-theme-post-featured-image .widget-image-caption{font-size:var( --e-global-typography-text-font-size );line-height:var( --e-global-typography-text-line-height );}.elementor-310 .elementor-element.elementor-element-5efbe13 img{height:320px;}.elementor-widget-post-info .elementor-icon-list-item{font-size:var( --e-global-typography-text-font-size );line-height:var( --e-global-typography-text-line-height );}.elementor-310 .elementor-element.elementor-element-372884d .elementor-icon-list-item{font-size:var( --e-global-typography-e81e6e9-font-size );line-height:var( --e-global-typography-e81e6e9-line-height );letter-spacing:var( --e-global-typography-e81e6e9-letter-spacing );word-spacing:var( --e-global-typography-e81e6e9-word-spacing );}.elementor-310 .elementor-element.elementor-element-587eeab .elementor-icon-list-item{font-size:var( --e-global-typography-e81e6e9-font-size );line-height:var( --e-global-typography-e81e6e9-line-height );letter-spacing:var( --e-global-typography-e81e6e9-letter-spacing );word-spacing:var( --e-global-typography-e81e6e9-word-spacing );}.elementor-widget-theme-post-title .elementor-heading-title{font-size:var( --e-global-typography-primary-font-size );line-height:var( --e-global-typography-primary-line-height );}.elementor-310 .elementor-element.elementor-element-ec1659d .elementor-heading-title{font-size:var( --e-global-typography-70744ec-font-size );line-height:var( --e-global-typography-70744ec-line-height );letter-spacing:var( --e-global-typography-70744ec-letter-spacing );word-spacing:var( --e-global-typography-70744ec-word-spacing );}}@media(min-width:768px){.elementor-310 .elementor-element.elementor-element-2a91b77{--width:100%;}.elementor-310 .elementor-element.elementor-element-9df3a57{--width:10%;}.elementor-310 .elementor-element.elementor-element-57acb35{--width:90%;}}@media(max-width:767px){.elementor-310 .elementor-element.elementor-element-2a91b77{--margin-top:0px;--margin-bottom:16px;--margin-left:0px;--margin-right:0px;--padding-top:0px;--padding-bottom:0px;--padding-left:8px;--padding-right:0px;}.elementor-310 .elementor-element.elementor-element-9df3a57{--width:15%;}.elementor-310 .elementor-element.elementor-element-57acb35{--width:80%;--gap:16px 0px;--row-gap:16px;--column-gap:0px;}.elementor-310 .elementor-element.elementor-element-697670c{--gap:8px 8px;--row-gap:8px;--column-gap:8px;}.elementor-widget-theme-post-featured-image .widget-image-caption{font-size:var( --e-global-typography-text-font-size );line-height:var( --e-global-typography-text-line-height );}.elementor-310 .elementor-element.elementor-element-5efbe13 img{height:280px;}.elementor-310 .elementor-element.elementor-element-5efbe13{width:var( --container-widget-width, 90% );max-width:90%;--container-widget-width:90%;--container-widget-flex-grow:0;}.elementor-widget-post-info .elementor-icon-list-item{font-size:var( --e-global-typography-text-font-size );line-height:var( --e-global-typography-text-line-height );}.elementor-310 .elementor-element.elementor-element-372884d .elementor-icon-list-item{font-size:var( --e-global-typography-e81e6e9-font-size );line-height:var( --e-global-typography-e81e6e9-line-height );letter-spacing:var( --e-global-typography-e81e6e9-letter-spacing );word-spacing:var( --e-global-typography-e81e6e9-word-spacing );}.elementor-310 .elementor-element.elementor-element-587eeab .elementor-icon-list-item{font-size:var( --e-global-typography-e81e6e9-font-size );line-height:var( --e-global-typography-e81e6e9-line-height );letter-spacing:var( --e-global-typography-e81e6e9-letter-spacing );word-spacing:var( --e-global-typography-e81e6e9-word-spacing );}.elementor-widget-theme-post-title .elementor-heading-title{font-size:var( --e-global-typography-primary-font-size );line-height:var( --e-global-typography-primary-line-height );}.elementor-310 .elementor-element.elementor-element-ec1659d .elementor-heading-title{font-size:var( --e-global-typography-70744ec-font-size );line-height:var( --e-global-typography-70744ec-line-height );letter-spacing:var( --e-global-typography-70744ec-letter-spacing );word-spacing:var( --e-global-typography-70744ec-word-spacing );}}\/* Start custom CSS for theme-post-featured-image, class: .elementor-element-5efbe13 *\/.news-featured-image {\n    position: relative;\n    overflow: hidden;\n}\n\n.news-featured-image img {\n    transition: transform 0.5s ease-in-out;\n    transform: scale(1);\n    width: 100%;\n    height: auto;\n}\n\n.news-featured-image:hover img {\n    transform: scale(1.1);\n}\/* End custom CSS *\/\n\/* Start custom CSS for post-info, class: .elementor-element-372884d *\/.elementor-310 .elementor-element.elementor-element-372884d {\n    writing-mode: vertical-lr;\n    text-orientation: mixed;\n}\/* End custom CSS *\/\n\/* Start custom CSS for post-info, class: .elementor-element-587eeab *\/.elementor-310 .elementor-element.elementor-element-587eeab span {\n    font-weight: 400!important;\n    \n}\/* End custom CSS *\/\n\/* Start custom CSS for theme-post-title, class: .elementor-element-ec1659d *\/.elementor-310 .elementor-element.elementor-element-ec1659d a {\n    font-weight:500!important;\n    text-decoration: none;\n}\/* End custom CSS *\/\n\/* Start custom CSS for html, class: .elementor-element-c135636 *\/.elementor-310 .elementor-element.elementor-element-c135636 {\n    font-size: 16px!important;\n    line-height: 1.4em!important;\n    position: relative!important; \n    z-index: 1!important;\n}\n\n\/* Target the link in your custom shortcode *\/\n.elementor-310 .elementor-element.elementor-element-c135636 .custom-excerpt-link {\n    color: #000000!important; \/* Set the link color to black *\/\n    text-decoration: none; \/* Remove any underline *\/\n}\n\n.elementor-310 .elementor-element.elementor-element-c135636 .custom-excerpt-link:hover {\n    color: #000000!important; \/* Ensure the hover color remains black *\/\n    text-decoration: none; \/* No underline on hover *\/\n}\/* End custom CSS *\/<\/style>\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"310\" class=\"elementor elementor-310 e-loop-item e-loop-item-11223 post-11223 post type-post status-publish format-standard has-post-thumbnail hentry category-blogs\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<div class=\"elementor-element elementor-element-2a91b77 e-con-full e-flex e-con e-parent\" data-id=\"2a91b77\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-9df3a57 e-con-full e-flex e-con e-child\" data-id=\"9df3a57\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a77f69b elementor-widget elementor-widget-html\" data-id=\"a77f69b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"fraction\"><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-57acb35 e-con-full e-flex e-con e-child\" data-id=\"57acb35\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-697670c e-con-full e-flex e-con e-child\" data-id=\"697670c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5efbe13 elementor-widget-mobile__width-initial news-featured-image elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"5efbe13\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/aov-zzp\/\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"534\" src=\"https:\/\/www.keesdeboekhouder.nl\/wp-content\/uploads\/2026\/05\/Untitled-design-1024x684.jpg\" class=\"attachment-large size-large wp-image-11226\" alt=\"\" srcset=\"https:\/\/www.keesdeboekhouder.nl\/wp-content\/uploads\/2026\/05\/Untitled-design-1024x684.jpg 1024w, https:\/\/www.keesdeboekhouder.nl\/wp-content\/uploads\/2026\/05\/Untitled-design-300x200.jpg 300w, https:\/\/www.keesdeboekhouder.nl\/wp-content\/uploads\/2026\/05\/Untitled-design-768x513.jpg 768w, https:\/\/www.keesdeboekhouder.nl\/wp-content\/uploads\/2026\/05\/Untitled-design-1536x1026.jpg 1536w, https:\/\/www.keesdeboekhouder.nl\/wp-content\/uploads\/2026\/05\/Untitled-design-2048x1367.jpg 2048w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-372884d elementor-widget elementor-widget-post-info\" data-id=\"372884d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-87da20b elementor-inline-item\" itemprop=\"about\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-terms\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-post-info__terms-list\">\n\t\t\t\t<span class=\"elementor-post-info__terms-list-item\">Blogs<\/span>\t\t\t\t<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-587eeab elementor-widget elementor-widget-post-info\" data-id=\"587eeab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-3ab1a00 elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>mei 27, 2026<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ec1659d elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"ec1659d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/aov-zzp\/\">AOV voor zzp&#8217;ers: wat je moet weten over kosten, aftrek en de verplichte AOV<\/a><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c135636 elementor-widget elementor-widget-html\" data-id=\"c135636\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<a href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/aov-zzp\/\" class=\"custom-excerpt-link\" target=\"_self\">Bijna 80% van de zzp\u2019ers in Nederland heeft geen arbeidsongeschiktheidsverzekering (AOV). Dat is best een risico. Val je uit? Dan is er geen werkgever die doorbetaalt en geen WIA-vangnet. Je hebt dan dus geen inkomen. Om dit financi\u00eble risico voor zzp\u2019ers te verkleinen, ligt er inmiddels een wetsvoorstel voor een verplichte AOV.<\/a>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"310\" class=\"elementor elementor-310 e-loop-item e-loop-item-7684 post-7684 post type-post status-publish format-standard has-post-thumbnail hentry category-blogs\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<div class=\"elementor-element elementor-element-2a91b77 e-con-full e-flex e-con e-parent\" data-id=\"2a91b77\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-9df3a57 e-con-full e-flex e-con e-child\" data-id=\"9df3a57\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a77f69b elementor-widget elementor-widget-html\" data-id=\"a77f69b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"fraction\"><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-57acb35 e-con-full e-flex e-con e-child\" data-id=\"57acb35\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-697670c e-con-full e-flex e-con e-child\" data-id=\"697670c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5efbe13 elementor-widget-mobile__width-initial news-featured-image elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"5efbe13\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/beginnend-ondernemer-tips-voor-het-starten-van-je-eigen-onderneming\/\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"516\" src=\"https:\/\/www.keesdeboekhouder.nl\/wp-content\/uploads\/2025\/04\/susanne-schwarz-qUACwpVjwoM-unsplash-1024x661.jpg\" class=\"attachment-large size-large wp-image-7687\" alt=\"\" srcset=\"https:\/\/www.keesdeboekhouder.nl\/wp-content\/uploads\/2025\/04\/susanne-schwarz-qUACwpVjwoM-unsplash-1024x661.jpg 1024w, https:\/\/www.keesdeboekhouder.nl\/wp-content\/uploads\/2025\/04\/susanne-schwarz-qUACwpVjwoM-unsplash-300x194.jpg 300w, https:\/\/www.keesdeboekhouder.nl\/wp-content\/uploads\/2025\/04\/susanne-schwarz-qUACwpVjwoM-unsplash-768x496.jpg 768w, https:\/\/www.keesdeboekhouder.nl\/wp-content\/uploads\/2025\/04\/susanne-schwarz-qUACwpVjwoM-unsplash-1536x991.jpg 1536w, https:\/\/www.keesdeboekhouder.nl\/wp-content\/uploads\/2025\/04\/susanne-schwarz-qUACwpVjwoM-unsplash-2048x1322.jpg 2048w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-372884d elementor-widget elementor-widget-post-info\" data-id=\"372884d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-87da20b elementor-inline-item\" itemprop=\"about\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-terms\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-post-info__terms-list\">\n\t\t\t\t<span class=\"elementor-post-info__terms-list-item\">Blogs<\/span>\t\t\t\t<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-587eeab elementor-widget elementor-widget-post-info\" data-id=\"587eeab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-3ab1a00 elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>mei 12, 2026<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ec1659d elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"ec1659d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/beginnend-ondernemer-tips-voor-het-starten-van-je-eigen-onderneming\/\">Eigen bedrijf starten: het complete stappenplan<\/a><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c135636 elementor-widget elementor-widget-html\" data-id=\"c135636\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<a href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/beginnend-ondernemer-tips-voor-het-starten-van-je-eigen-onderneming\/\" class=\"custom-excerpt-link\" target=\"_self\">Je eigen bedrijf starten is een spannende stap. Hierbij is een essenti\u00eble rol weggelegd voor de Kamer van Koophandel (KVK), omdat je hier jouw bedrijf moet inschrijven. Dit proces kan misschien wat complex lijken, maar met de juiste voorbereiding kun je vlot van start gaan. In deze blog leggen we je uit hoe dit in zijn werk gaat en waar je allemaal aan moet denken bij het starten van je eigen onderneming!<\/a>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div data-elementor-type=\"loop-item\" data-elementor-id=\"310\" class=\"elementor elementor-310 e-loop-item e-loop-item-3033 post-3033 post type-post status-publish format-standard has-post-thumbnail hentry category-blogs\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<div class=\"elementor-element elementor-element-2a91b77 e-con-full e-flex e-con e-parent\" data-id=\"2a91b77\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-9df3a57 e-con-full e-flex e-con e-child\" data-id=\"9df3a57\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a77f69b elementor-widget elementor-widget-html\" data-id=\"a77f69b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"fraction\"><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-57acb35 e-con-full e-flex e-con e-child\" data-id=\"57acb35\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-697670c e-con-full e-flex e-con e-child\" data-id=\"697670c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5efbe13 elementor-widget-mobile__width-initial news-featured-image elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"5efbe13\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/wanneer-ben-je-ondernemer-voor-de-belastingdienst\/\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"534\" src=\"https:\/\/www.keesdeboekhouder.nl\/wp-content\/uploads\/2024\/10\/liane-metzler-v3bWNXeInQA-unsplash-3-2048x1365-1-1024x683.jpg\" class=\"attachment-large size-large wp-image-3055\" alt=\"\" srcset=\"https:\/\/www.keesdeboekhouder.nl\/wp-content\/uploads\/2024\/10\/liane-metzler-v3bWNXeInQA-unsplash-3-2048x1365-1-1024x683.jpg 1024w, https:\/\/www.keesdeboekhouder.nl\/wp-content\/uploads\/2024\/10\/liane-metzler-v3bWNXeInQA-unsplash-3-2048x1365-1-300x200.jpg 300w, https:\/\/www.keesdeboekhouder.nl\/wp-content\/uploads\/2024\/10\/liane-metzler-v3bWNXeInQA-unsplash-3-2048x1365-1-768x512.jpg 768w, https:\/\/www.keesdeboekhouder.nl\/wp-content\/uploads\/2024\/10\/liane-metzler-v3bWNXeInQA-unsplash-3-2048x1365-1-1536x1024.jpg 1536w, https:\/\/www.keesdeboekhouder.nl\/wp-content\/uploads\/2024\/10\/liane-metzler-v3bWNXeInQA-unsplash-3-2048x1365-1.jpg 2048w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-372884d elementor-widget elementor-widget-post-info\" data-id=\"372884d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-87da20b elementor-inline-item\" itemprop=\"about\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-terms\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-post-info__terms-list\">\n\t\t\t\t<span class=\"elementor-post-info__terms-list-item\">Blogs<\/span>\t\t\t\t<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-587eeab elementor-widget elementor-widget-post-info\" data-id=\"587eeab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-3ab1a00 elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>april 30, 2026<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ec1659d elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"ec1659d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/wanneer-ben-je-ondernemer-voor-de-belastingdienst\/\">Ondernemer voor de Belastingdienst? Zo check je het<\/a><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c135636 elementor-widget elementor-widget-html\" data-id=\"c135636\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<a href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/wanneer-ben-je-ondernemer-voor-de-belastingdienst\/\" class=\"custom-excerpt-link\" target=\"_self\">Het klinkt misschien gek, maar niet elke ondernemer hoeft bij de Belastingdienst een winstaangifte te doen. Het kan zijn dat je een KvK-nummer hebt, elk kwartaal btw afdraagt en t\u00f3ch aan het einde van het jaar een particuliere aangifte moet doen. Of juist andersom: misschien verdien je geld met je hobby en blijk je officieel ondernemer te zijn. Hoe weet je of je ondernemer bent voor de Belastingdienst? Het is belangrijk om dit te weten omdat het bepaalt wat voor aangifte je doet en op wat voor aftrekposten je recht hebt.<\/a>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Bijna 80% van de zzp\u2019ers in Nederland heeft geen arbeidsongeschiktheidsverzekering (AOV). Dat is best een risico. Val je uit? Dan is er geen werkgever die doorbetaalt en geen WIA-vangnet. Je hebt dan dus geen inkomen. Om dit financi\u00eble risico voor zzp\u2019ers te verkleinen, ligt er inmiddels een wetsvoorstel voor een verplichte AOV.<\/p>\n","protected":false},"author":9,"featured_media":11226,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[13],"tags":[],"class_list":["post-11223","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blogs"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>AOV zzp: alles over arbeidsongeschiktheidsverzekeringen- Kees de Boekhouder<\/title>\n<meta name=\"description\" content=\"Als zzp\u2019er heb je geen werkgever die doorbetaalt als je ziek wordt. Lees alles over de AOV voor zzp\u2019ers: kosten, aftrek en de verplichte AOV (BAZ).\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.keesdeboekhouder.nl\/nl\/aov-zzp\/\" \/>\n<meta property=\"og:locale\" content=\"nl_NL\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"AOV zzp: alles over arbeidsongeschiktheidsverzekeringen- Kees de Boekhouder\" \/>\n<meta property=\"og:description\" content=\"Als zzp\u2019er heb je geen werkgever die doorbetaalt als je ziek wordt. 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