Hefboom
shares – financing – advice
Hefboom's missionHefboom strives for a better and more sustainable society
through ethical investments for individuals, companies, public institutions and associations
through management consulting, financing and other services for companies, organisations and projects with a social purpose.
Hefboom’s scope of activitiesHefboom provides financing and advice to
- organisations and initiatives in Flanders and Brussels
- that strive to create a society with equal opportunities
- that are environmentally-conscious and strive for sustainability.
Our target group is highly diverse, ranging from small-scale initiatives to companies with 1000 employees or more, from highly professional companies to projects that mainly work with volunteers….
Hefboom was founded in 1985 to help promote initiatives that arose out of the new social economy of the 1970s.
Today, Hefboom continues to focus primarily on the social economy and initiatives aimed at creating jobs for risk groups.
We also share our expertise with all types of organisation involved in enduring, socially responsible activities.
Our mission incorporates initiatives to promote green ideas. Among others, we initiated a cooperative project that supports renewable energy production.
Hefboom's services Ethical savings and investments
Hefboom provides private parties, families, companies and organisations with the opportunity to save and invest in an ethical manner. Shareholdership is the most familiar and widely used formula. But Hefboom also has other products, such as gifts by bequest and subordinate accounts.
Shares in 2010 Total capital and reserves
| EUR 15,158,826.64
|
| Share capital in 2010 | EUR 11,839,600 |
| Number of shares | 236,792 |
Hefboom aims to distribute 2% dividends to its shareholders. We've met this goal for many consecutive years, including in 2010, and will continue to work towards this objective in the future.
FinancingFor sustainable, socially responsible companiesHefboom offers its financing products to companies in the social economy and, in particular, to social profits in general. All of our loan formulas are designed to allow organisations to achieve their purpose effectively.
The majority of organisations come to Hefboom for investment loans, working capital loans, bridge loans and bank guarantees. Working with partners allows us to provide subordinated loans and equity participations.
Loans in 2010 Short-term loans
| EUR 3,816,125 |
| Long-term loans | EUR 7,671,124 |
| Total | EUR 11,487,249 |
Hefboom continually searches for ways to expand its range of advantageous loans and creates strategic partnerships in order to achieve that goal. In recent years, we have acted as authorised financier of the social investment fund, a Flemish government initiative.
For start-up entrepreneurs from risk groupsIndividuals dependent on replacement incomes are often unable to secure loans from classic banks to finance business projects that are, in fact, perfectly realistic and feasible. Hefboom devised a solution to this problem some time ago: the Solidarity loan. This loan is a microcredit for a maximum amount of EUR 12,500 and for a duration of up to 4 years. The Solidarity loan also offers the advisory services of an expert for the first 2 years, making it unique.
With its Solidarity loan, Hefboom stimulates independent entrepreneurship and thus the social integration of individuals in risk groups.
Solidarity loan in 2010 | Credit amount granted | EUR 287,409 |
| Average loan amount | EUR 11,054 |
ConsultingManagement and directors in the social economy often need policy advice in order to achieve their social and economic goals. Hefboom has thus developed a variety of consulting services.
AuditOrganisations can turn to Hefboom for general audits that investigate all areas of policy. In addition, we also perform more specific audits: in the areas of financial policy (financial audit), processes and procedures (process audit) and the company's social impact (social audit).
AdviceHefboom provides an appropriate consulting formula for each separate aspect of business policy:
- definition of strategy
- global business policy
- financial policy
- skills management
- marketing policy
- quality policy
- stakeholder management
Executive coachingExecutives looking for a sounding board can turn to us for coaching. We provide both general support and targeted guidance based on explicit issues.
Research & developmentHefboom is constantly looking for new ways to efficiently support sustainable, socially responsible companies.
This is why we were there at the birth of, among others, the local service economy.We recently examined the feasibility of the social consumer loan. This is a short-term loan for consumer goods that will structurally improve the living standards of the borrower.
Training servicesHefboom collects its know-how into topic-led workshops. A specific topic is discussed each time. We also offer a book of practice and study days on the topic of good management.
The Hefboom organisationHefboom is composed of three legal entities: one cooperative partnership and two non-profit organisations:
- Hefboom CVBA (limited liability cooperative partnership) is responsible for providing the financial services.
- Hefboom VZW (non-profit organisation) performs consulting activities.
- Hefboomfonds voor the Solidaire Economie VZW (non-profit fund for the solidarity economy) uses resources from patronage and sponsoring to support specific initiatives in the social economy.
The Hefboom networkIn order to achieve our goals, we are always looking for partners in various fields. This network, which we have built up over the course of years, aims to:
- create partnerships with other organisations to support and cover the social economy
- work together to support initiatives and products that contribute to a sustainable, socially responsible society
- have an influence on regional, Flemish and European policy
- build constructive relationships with financial groups
- work together with colleague organisations in Flanders, Wallonia and the rest of Europe.
The people that make HefboomHefboom employs around two dozen people with highly diverse competencies and backgrounds. We strive to ensure efficiency through structural collaboration between all team leaders and by working in a multidisciplinary manner. We also turn to external experts whose know-how we use for specific missions.
Aside from the employees, the board of directors and the credit committee are essential to the success of Hefboom's activities. The board of directors is the central policy- and decision-making body and represents the various stakeholder groups.
The credit committee is responsible for evaluating and awarding long-term financing. The committee's members include external experts, members of management and the board and Hefboom's loan analysts.
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