{"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\/en\/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; WHAT DOES THE LAW SAY ABOUT WORKPLACE ACCIDENTS WHILE WORKING FROM HOME?<\/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\">Over the past 2 years, telework or working from home has gained tremendous importance. Society has adapted to this and the need for teleworking will only increase in the coming years. Hybrid working is therefore becoming the future.<\/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\/en\/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\/en\/contact\/\" class=\"nicdark_display_inline_block nd_options_float_left nd_options_font_weight_normal nd_options_first_font\">&gt; Contact us<\/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>Share this article:<\/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\/en\/wp-json\/wp\/v2\/posts\/8662","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.dhondt-insurance.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.dhondt-insurance.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.dhondt-insurance.com\/en\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.dhondt-insurance.com\/en\/wp-json\/wp\/v2\/comments?post=8662"}],"version-history":[{"count":22,"href":"https:\/\/www.dhondt-insurance.com\/en\/wp-json\/wp\/v2\/posts\/8662\/revisions"}],"predecessor-version":[{"id":8777,"href":"https:\/\/www.dhondt-insurance.com\/en\/wp-json\/wp\/v2\/posts\/8662\/revisions\/8777"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.dhondt-insurance.com\/en\/wp-json\/wp\/v2\/media\/8665"}],"wp:attachment":[{"href":"https:\/\/www.dhondt-insurance.com\/en\/wp-json\/wp\/v2\/media?parent=8662"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.dhondt-insurance.com\/en\/wp-json\/wp\/v2\/categories?post=8662"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.dhondt-insurance.com\/en\/wp-json\/wp\/v2\/tags?post=8662"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}