{"id":8662,"date":"2025-10-14T08:37:22","date_gmt":"2025-10-14T08:37:22","guid":{"rendered":"https:\/\/www.dhondt-insurance.com\/?p=8662"},"modified":"2025-10-15T07:29:23","modified_gmt":"2025-10-15T07:29:23","slug":"waarom-jouw-bedrijf-moet-investeren-in-employee-benefits-2","status":"publish","type":"post","link":"https:\/\/www.dhondt-insurance.com\/de\/blog\/8662\/","title":{"rendered":"Bijdrage VAPZ wijzigt vanaf 2026: wat betekent dat voor u?"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><div class=\"vc_row wpb_row vc_row-fluid wpb_animate_when_almost_visible wpb_fadeIn fadeIn vc_custom_1604335088253 vc_row-o-content-middle vc_row-flex\"><div class=\"wpb_column vc_column_container vc_col-sm-6 vc_hidden-xs\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"> <h3 style=\"color:#37719e;padding:px;text-align:;font-size:px;line-height:px;letter-spacing: 4px;font-weight:bold\" class=\"nd_options_second_font\">&gt; BIJDRAGE VAPZ WIJZIGT VANAF 2026: WAT BETEKENT DAT VOOR U?<\/h3> <\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-6 vc_hidden-xs\"><div class=\"vc_column-inner vc_custom_1604605533394\"><div class=\"wpb_wrapper\"><div style=\"background-color:;height: 15px\" class=\"nicdark_section\"><\/div><div style=\"background-color:;height: 15px\" class=\"nicdark_section\"><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid wpb_animate_when_almost_visible wpb_fadeIn fadeIn vc_custom_1604335088253 vc_row-o-content-middle vc_row-flex\"><div class=\"wpb_column vc_column_container vc_col-sm-6 vc_hidden-lg vc_hidden-md vc_hidden-sm\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"> <h3 style=\"color:#37719e;padding:px;text-align:;font-size:13px;line-height:px;letter-spacing: 4px;font-weight:bold\" class=\"nd_options_second_font\">&gt; WAS SAGT DAS GESETZ ZU ARBEITSUNF\u00c4LLEN W\u00c4HREND DER HEIMARBEIT?<\/h3> <\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-6 vc_hidden-lg vc_hidden-md vc_hidden-sm\"><div class=\"vc_column-inner vc_custom_1604605544450\"><div class=\"wpb_wrapper\"><div style=\"background-color:;height: 15px\" class=\"nicdark_section\"><\/div><div style=\"background-color:;height: 15px\" class=\"nicdark_section\"><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid wpb_animate_when_almost_visible wpb_fadeIn fadeIn\"><div class=\"wpb_column vc_column_container vc_col-sm-12 vc_hidden-sm vc_hidden-xs\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div style=\"background-color:;height: 70px\" class=\"nicdark_section\"><\/div><div class=\"vc_row wpb_row vc_inner vc_row-fluid vc_custom_1569482474546\"><div class=\"wpb_column vc_column_container vc_col-sm-6\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_left wpb_content_element\">\n\t\t\n\t\t<figure class=\"wpb_wrapper vc_figure\">\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey\"><img loading=\"lazy\" decoding=\"async\" width=\"2048\" height=\"1360\" src=\"https:\/\/www.dhondt-insurance.com\/wp-content\/uploads\/2025\/10\/successful-businessman-with-headphones-using-tablet-cafe-bar-2-scaled.jpg\" class=\"vc_single_image-img attachment-full\" alt=\"\" title=\"successful-businessman-with-headphones-using-tablet-cafe-bar-2\" srcset=\"https:\/\/www.dhondt-insurance.com\/wp-content\/uploads\/2025\/10\/successful-businessman-with-headphones-using-tablet-cafe-bar-2-scaled.jpg 2048w, https:\/\/www.dhondt-insurance.com\/wp-content\/uploads\/2025\/10\/successful-businessman-with-headphones-using-tablet-cafe-bar-2-300x199.jpg 300w, https:\/\/www.dhondt-insurance.com\/wp-content\/uploads\/2025\/10\/successful-businessman-with-headphones-using-tablet-cafe-bar-2-1024x680.jpg 1024w, https:\/\/www.dhondt-insurance.com\/wp-content\/uploads\/2025\/10\/successful-businessman-with-headphones-using-tablet-cafe-bar-2-768x510.jpg 768w, https:\/\/www.dhondt-insurance.com\/wp-content\/uploads\/2025\/10\/successful-businessman-with-headphones-using-tablet-cafe-bar-2-1536x1020.jpg 1536w, https:\/\/www.dhondt-insurance.com\/wp-content\/uploads\/2025\/10\/successful-businessman-with-headphones-using-tablet-cafe-bar-2-18x12.jpg 18w\" sizes=\"auto, (max-width: 2048px) 100vw, 2048px\" \/><\/div>\n\t\t<\/figure>\n\t<\/div>\n<div style=\"background-color:;height: 50px\" class=\"nicdark_section\"><\/div><\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-6\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"> <h2 style=\"color:;padding:px;text-align:;font-size:40px;line-height:50px;letter-spacing: px;font-weight:normal\" class=\"nd_options_text_align_center_responsive_important nd_options_first_font\">Bijdrage VAPZ wijzigt vanaf 2026: wat betekent dat voor u?<\/h2> <div style=\"background-color:;height: 50px\" class=\"nicdark_section\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid wpb_animate_when_almost_visible wpb_fadeIn fadeIn\"><div class=\"wpb_column vc_column_container vc_col-sm-12 vc_hidden-lg vc_hidden-md\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"vc_row wpb_row vc_inner vc_row-fluid vc_custom_1569482474546\"><div class=\"wpb_column vc_column_container vc_col-sm-6\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_left wpb_content_element\">\n\t\t\n\t\t<figure class=\"wpb_wrapper vc_figure\">\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey\"><img loading=\"lazy\" decoding=\"async\" width=\"2566\" height=\"1758\" src=\"https:\/\/www.dhondt-insurance.com\/wp-content\/uploads\/2022\/05\/arbeidsongevallen_blog_artikel.png\" class=\"vc_single_image-img attachment-full\" alt=\"\" title=\"arbeidsongevallen_blog_artikel\" srcset=\"https:\/\/www.dhondt-insurance.com\/wp-content\/uploads\/2022\/05\/arbeidsongevallen_blog_artikel.png 300w, https:\/\/www.dhondt-insurance.com\/wp-content\/uploads\/2022\/05\/arbeidsongevallen_blog_artikel.png 1024w, https:\/\/www.dhondt-insurance.com\/wp-content\/uploads\/2022\/05\/arbeidsongevallen_blog_artikel.png 768w, https:\/\/www.dhondt-insurance.com\/wp-content\/uploads\/2022\/05\/arbeidsongevallen_blog_artikel.png 1536w, https:\/\/www.dhondt-insurance.com\/wp-content\/uploads\/2022\/05\/arbeidsongevallen_blog_artikel.png 2048w, https:\/\/www.dhondt-insurance.com\/wp-content\/uploads\/2022\/05\/arbeidsongevallen_blog_artikel.png 18w, https:\/\/www.dhondt-insurance.com\/wp-content\/uploads\/2022\/05\/arbeidsongevallen_blog_artikel.png 600w\" sizes=\"auto, (max-width: 2566px) 100vw, 2566px\" \/><\/div>\n\t\t<\/figure>\n\t<\/div>\n<div style=\"background-color:;height: 50px\" class=\"nicdark_section\"><\/div><\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-6\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"> <h2 style=\"color:;padding:px;text-align:;font-size:25px;line-height:50px;letter-spacing: px;font-weight:normal\" class=\"nd_options_text_align_left_responsive_important nd_options_first_font\">Telearbeit oder Homeoffice hat in den letzten 2 Jahren enorm an Bedeutung gewonnen. Die Gesellschaft hat sich darauf eingestellt und der Bedarf an Telearbeit wird in den kommenden Jahren weiter zunehmen. Hybrides Arbeiten wird also die Zukunft sein.<\/h2> <div style=\"background-color:;height: 50px\" class=\"nicdark_section\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid wpb_animate_when_almost_visible wpb_fadeIn fadeIn\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div style=\"background-color:;height: 50px\" class=\"nicdark_section\"><\/div><div class=\"vc_row wpb_row vc_inner vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-6\"><div class=\"vc_column-inner vc_custom_1645177486788\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><span style=\"font-weight: 400;\">Vanaf 2026 treden er belangrijke veranderingen in voege voor het\u00a0<\/span><b>Vrij Aanvullend Pensioen voor Zelfstandigen (VAPZ)<\/b><span style=\"font-weight: 400;\">. Deze aanpassingen zijn goed nieuws voor veel ondernemers: ze zorgen voor m\u00e9\u00e9r mogelijkheden om fiscaal voordelig aan pensioenopbouw te doen.<\/span><\/p>\n<p><b>\u00a0<\/b><\/p>\n<p><b>Wat verandert er precies?<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Hogere bijdragen mogelijk<br \/>\n<\/b><span style=\"font-weight: 400;\">De maximale premie die u in een klassiek VAPZ kan storten, stijgt van <\/span><b>8,17% naar 8,50%<\/b><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"> van uw referentie-inkomen. Ook het sociaal VAPZ krijgt een verhoging. Dat betekent: m\u00e9\u00e9r fiscaal voordeel \u00e9n een hoger aanvullend pensioen.<\/span><\/span><\/li>\n<\/ul>\n<h6><\/h6>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Ook voor bijberoep<\/b><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Waar het VAPZ vandaag vooral voor zelfstandigen in hoofdberoep toegankelijk is, wordt dit vanaf 2026 uitgebreid naar\u00a0<\/span><b>zelfstandigen in bijberoep<\/b><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">. Een belangrijke stap naar gelijke behandeling.<\/span><\/span><\/span><\/li>\n<\/ul>\n<h6><\/h6>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Betere bescherming voor vrouwelijke zelfstandigen<\/b><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">Na een bevalling zullen vrouwelijke ondernemers niet \u00e9\u00e9n, maar\u00a0<\/span><b>twee kwartalen vrijgesteld<\/b><span style=\"font-weight: 400;\">\u00a0zijn van sociale bijdragen.<\/span><\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-6\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><b>Eenvoudiger en duidelijker systeem<span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">De regering plant een harmonisering van de verschillende pensioenregelingen, zoals VAPZ, POZ en IPT. Minder complexiteit, meer transparantie.<\/span><\/b><\/p>\n<p>&nbsp;<\/p>\n<p><b>Waarom dit belangrijk is voor u<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Deze wijzigingen kunnen een\u00a0<\/span><b>rechtstreeks voordeel<\/b><span style=\"font-weight: 400;\">\u00a0betekenen: hogere fiscale aftrek, betere sociale bescherming en meer pensioenopbouw. Maar wat dit exact betekent, hangt sterk af van uw persoonlijke situatie.<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><br \/>\nDaarom is het belangrijk om nu al na te gaan hoe u zich best voorbereidt en welke keuzes het meest voordeel opleveren.<\/span><\/p>\n<p><b>\u00a0<\/b><\/p>\n<p><b>Uw volgende stap<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Wilt u weten hoeveel u vanaf 2026 extra kan bijdragen? Of bent u zelfstandige in bijberoep en wilt u eindelijk ook gebruikmaken van VAPZ?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/www.dhondt-insurance.com\/de\/contact\/\"><b>Neem contact op met uw makelaar D\u2019hondt Insurance.<br \/>\n<\/b><span style=\"font-weight: 400;\">Wij bekijken samen met u wat deze hervormingen concreet betekenen en hoe u er maximaal voordeel uit haalt.<\/span><\/a><\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_inner vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-6\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-6\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t\n\t<a style=\"border: px solid;border-radius:px;letter-spacing:px;line-height:16px;font-size:16px;background-color:#37719E;padding:10px 20px;margin:;color:#FFFFFF\" rel=\"\" href=\"https:\/\/www.dhondt-insurance.com\/de\/contact\/\" class=\"nicdark_display_inline_block nd_options_float_left nd_options_font_weight_normal nd_options_first_font\">&gt; Contacteer ons<\/a>\n\t\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid wpb_animate_when_almost_visible wpb_fadeIn fadeIn\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div style=\"background-color:;height: 50px\" class=\"nicdark_section\"><\/div><div style=\"background-color:#000000;height: 1pxpx\" class=\"nicdark_section\"><\/div><div class=\"vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey wpb_content_element  wpb_content_element\" ><span class=\"vc_sep_holder vc_sep_holder_l\"><span class=\"vc_sep_line\"><\/span><\/span><span class=\"vc_sep_holder vc_sep_holder_r\"><span class=\"vc_sep_line\"><\/span><\/span>\n<\/div><\/div><\/div><\/div><\/div><div data-vc-full-width=\"true\" data-vc-full-width-init=\"false\" class=\"vc_row wpb_row vc_row-fluid wpb_animate_when_almost_visible wpb_fadeIn fadeIn vc_custom_1645176720688\"><div class=\"wpb_column vc_column_container vc_col-sm-6\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element vc_custom_1645176635881\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Teile diesen Artikel:<\/p>\n\n\t\t<\/div>\n\t<\/div>\n\n            <div \n                class=\"elfsight-widget-social-share-buttons elfsight-widget\" \n                data-elfsight-social-share-buttons-options=\"%7B%22items%22%3A%5B%7B%22network%22%3A%22facebook%22%2C%22buttonText%22%3A%22Facebook%22%7D%2C%7B%22network%22%3A%22linkedin%22%2C%22buttonText%22%3A%22LinkedIn%22%7D%2C%7B%22network%22%3A%22email%22%2C%22buttonText%22%3A%22Email%22%7D%5D%2C%22moreToggle%22%3Afalse%2C%22msgMore%22%3A%22More%22%2C%22msgClose%22%3A%22Close%22%2C%22customUrl%22%3A%22%22%2C%22location%22%3A%22inline%22%2C%22position%22%3A%22left%22%2C%22columns%22%3A%22auto%22%2C%22gutter%22%3A12%2C%22hideOnMobile%22%3Afalse%2C%22elements%22%3A%5B%22icon%22%5D%2C%22shape%22%3A%22circle%22%2C%22width%22%3A%22auto%22%2C%22style%22%3A%22material%22%2C%22iconColor%22%3A%22white%22%2C%22bgColor%22%3A%22native%22%2C%22iconColorOnHover%22%3A%22white%22%2C%22bgColorOnHover%22%3A%22native%22%2C%22animation%22%3A%22fly%22%2C%22transparency%22%3A100%2C%22transparencyOnHover%22%3A100%2C%22widgetId%22%3A%221%22%7D\" \n                data-elfsight-social-share-buttons-version=\"1.5.0\"\n                data-elfsight-widget-id=\"elfsight-social-share-buttons-1\">\n            <\/div>\n            <\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-6\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><\/div><\/div><\/div><\/div><div class=\"vc_row-full-width vc_clearfix\"><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><\/div><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Lorem ipsum dolor sit amet, consectetur adipiscing elit. Sed ut elit dui.<\/p>","protected":false},"author":6,"featured_media":8665,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"image","meta":{"footnotes":""},"categories":[90],"tags":[156],"class_list":["post-8662","post","type-post","status-publish","format-image","has-post-thumbnail","hentry","category-blog","tag-employee-benefits","post_format-post-format-image","nd_cc_cpt_1_tax_1-verzekeringen"],"_links":{"self":[{"href":"https:\/\/www.dhondt-insurance.com\/de\/wp-json\/wp\/v2\/posts\/8662","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.dhondt-insurance.com\/de\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.dhondt-insurance.com\/de\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.dhondt-insurance.com\/de\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.dhondt-insurance.com\/de\/wp-json\/wp\/v2\/comments?post=8662"}],"version-history":[{"count":22,"href":"https:\/\/www.dhondt-insurance.com\/de\/wp-json\/wp\/v2\/posts\/8662\/revisions"}],"predecessor-version":[{"id":8777,"href":"https:\/\/www.dhondt-insurance.com\/de\/wp-json\/wp\/v2\/posts\/8662\/revisions\/8777"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.dhondt-insurance.com\/de\/wp-json\/wp\/v2\/media\/8665"}],"wp:attachment":[{"href":"https:\/\/www.dhondt-insurance.com\/de\/wp-json\/wp\/v2\/media?parent=8662"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.dhondt-insurance.com\/de\/wp-json\/wp\/v2\/categories?post=8662"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.dhondt-insurance.com\/de\/wp-json\/wp\/v2\/tags?post=8662"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}