Hefboom
shares – financing – advice
Hefboom's Offering
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 best known and most widely used formula. But Hefboom also has other products such as gifts by bequest and subordinate accounts.
Shares in 2008 |
| Total capital and reserves: | 14,030,083.25 |
| Share capital in 2008: | EUR 10,538,000 |
| Number of shares: | 210,760 |
Hefboom aims to distribute 2% dividends to its shareholders. We've met this goal for many years in a row, including in 2008, and will continue to work towards this objective in the future.
Financing
For lasting socially-conscious companies
Hefboom 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 efficiently complete their mission.
Most organisations turn to Hefboom for investment loans, working capital loans and bridging loans. We also offer securities, bond loans and specific tailored loans.
Loans in 2008 |
| Short-term loans | EUR 6,782,622 |
| Long-term loans | EUR 5,951,730 |
| Total | EUR 12,734,352 |
Hefboom searches for ways to expand its offering of advantageous loans and creates strategic partnerships in order to achieve that goal. We recently created a new investment fund in collaboration with employer and employee organisations in the social sector. In particular, we lent our expertise to the Flemish government which created a new fund in late 2008.
For beginning entrepreneurs from risk groups
Individuals with replacement income are often unable to turn to classic banks for a loan to finance a realistic and feasible business project. Hefboom devised a solution to this problem some time ago and offers the Solidarity loan: a microcredit for a maximum amount of EUR 12,500 for a duration of up to 4 years. A unique feature of the Solidarity loan is that during the first 2 years the borrower can benefit from the guidance of an expert.
With its Solidarity loan, Hefboom stimulates independent entrepreneurship and thus the social integration of individuals in risk groups.
Solidarity loan in 2008 |
| Credit amount granted | EUR 268,048.00 |
| Average loan amount | EUR 10,309.54 |
Activities in 2008 |
| trades | 4% |
| street trade | 8% |
| retail trade | 12% |
| care | 15% |
| services | 19% |
| engineering and construction | 19% |
| hotel and catering industry | 23% |
Consulting
Management and directors in the social economy often need policy advice in order to achieve their social and economic goals. Hefboom has thus developed a varied range of consulting services.
Audit
Organisations can turn to Hefboom for general audits which 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).
Advice
Hefboom 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 coaching
Executives looking for a sounding board can turn to us for coaching. We provide both general support and targeted guidance based on concrete questions.
Research & development
Hefboom is constantly looking for new ways to efficiently support lasting socially-conscious companies.
To this end, we are currently conducting research on a new type of microcredit, the social consumer loan. The social consumer loan is a small, short-term loan for consumer goods which allows individuals in fragile financial situations to structurally improve their living conditions.
Training services
Hefboom combines its know-how into workshops by topic. A specific topic is discussed each time. We also offer a book of practice and study days on the topic of good management.
Hefboom's Mission
Hefboom provides financing and advice to
- organisations and initiatives in Flanders and Brussels
- who strive to create a society with equal opportunities
- who are environmentally-conscious and strive towards sustainability
Our target group is highly diverse: from small-scale initiatives to companies with 1000 employees or more, from highly professional companies to projects which mainly work with volunteers, ...
Hefboom was founded in 1985 as a promoter of various initiatives in the social economy which arose in the 1970s and needed cash to survive.
Still today, Hefboom focuses in particular on the social economy and initiatives aimed at creating jobs for risk groups.
We also share our expertise with all organisations involved in lasting socially-conscious activities.
The Hefboom Organisation
Hefboom 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 Network
In order to achieve our goals, we are always looking for partners in various fields. This network which we have built 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 which contribute to a lasting socially-conscious 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 of/behind Hefboom
Hefboom employees around two dozen people with high diverse expertise 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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