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Het onderzoek bevestigde drie dingen: vrijwel alle organisaties hebben publieke toezeggingen over biodiversiteit; verankering in portefeuillemandaten en productontwikkeling blijft zeldzaam; en de huidige beweging komt meer voort uit signalen richting sectorgenoten dan uit bindende vereisten. 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Dat levert een dubbele klem op: instellingen zijn aanspreekbaar op hun exposure zonder betrouwbare data op klantniveau, wat de uitrol van producten vertraagt en engagementstrategieën verzwakt",{"type":400,"content":421},[422,426],{"type":345,"content":423},[424],{"text":425,"type":349},"Natuurafhankelijkheden zijn (nog) niet te beprijzen",{"type":345,"content":427},[428],{"text":429,"type":349}," Anders dan bij klimaat ontbreekt bij biodiversiteit één verbindende maatstaf (zoals CO₂) die in kredietmodellen of acceptatie kan doorwerken. Practitioners worstelen om ecologische verandering (afname van bestuivers, waterschaarste, verlies van bodemvruchtbaarheid) in financiële termen te vertalen. Bestaande benaderingen, zoals sectorexposure, biodiversiteitsmonitors of satellietbeelden, zijn te grofmazig voor prijsaanpassingen. Zonder manier om natuurafhankelijkheden in geld uit te drukken, houden risicocomités biodiversiteit in het hokje reputatie en MVO in plaats van kapitaalallocatie",{"type":400,"content":431},[432,436],{"type":345,"content":433},[434],{"text":435,"type":349},"Uiteenlopende regelgeving en onvolwassen scores van dataleveranciers",{"type":345,"content":437},[438,440,446],{"text":439,"type":349}," Teams bewegen zich door ongelijke verwachtingen per regio (EU, VK, VS, APAC). Sommige regels komen op stoom (bijvoorbeeld ESRS E4 onder de ",{"text":441,"type":349,"marks":442},"CSRD",[443],{"type":354,"attrs":444},{"href":445,"uuid":357,"anchor":357,"target":358,"linktype":12},"\u002Fsolutions\u002Fesg",{"text":447,"type":349}," in Europa); andere blijven onduidelijk. Veel instellingen wachten tot het stof is neergedaald voordat zij zich vastleggen op systemen en processen. Ondertussen zijn biodiversiteitsscores vaak sectorgebaseerd en inconsistent: te grof voor besluiten op klantniveau, maar te prominent om te negeren. Samen drukt die onzekerheid de budgetten en vertraagt zij de stap van pilot naar productie",{"type":378,"attrs":449,"content":450},{"level":380},[451],{"text":452,"type":349},"Wat u nu kunt doen: een praktisch pad",{"type":454,"content":455},"bullet_list",[456],{"type":400,"content":457},[458],{"type":345,"content":459},[460],{"text":461,"type":349},"Bouw eerst de dataruggengraat",{"type":345,"content":463},[464],{"text":465,"type":349},"Maak één biodiversiteitsdatamodel dat de vereisten uit ESRS E4, TNFD en PBAF koppelt aan uw eigen definities, pas semantische matching toe en houd de lineage naar bronsystemen bij. Het doel is minder handmatig verzoenen en helder zicht op de dekking binnen portefeuilles, zodat biodiversiteit van verhaal naar cijfers gaat.",{"type":454,"content":467},[468],{"type":400,"content":469},[470],{"type":345,"content":471},[472],{"text":473,"type":349},"Vraag minder van klanten zonder de kern te verliezen",{"type":345,"content":475},[476],{"text":477,"type":349},"Voer, voordat u weer een belastende vragenlijst verstuurt, een gap-analyse op klantdata uit: breng in kaart wat u intern al heeft en standaardiseer uw uitvraag tot alleen wat werkelijk nodig is. Bied templates die proportioneel en auditeerbaar zijn, zodat u de relatie behoudt en de dekking verbetert.",{"type":454,"content":479},[480],{"type":400,"content":481},[482],{"type":345,"content":483},[484],{"text":485,"type":349},"Leg de basis voor integratie in risico",{"type":345,"content":487},[488],{"text":489,"type":349},"U kunt bestuiving of verlies van bodemvruchtbaarheid vandaag misschien niet nauwkeurig beprijzen, maar u kunt wel indicatoren voor afhankelijkheden vastleggen, aannames documenteren in een methodologieregister en bewijspakketten opbouwen die klaar zijn voor de toezichthouder. Dat vormt het steigerwerk voor latere integratie in risico en waardering, wanneer de standaarden onvermijdelijk volwassener worden.",{"type":454,"content":491},[492],{"type":400,"content":493},[494],{"type":345,"content":495},[496],{"text":497,"type":349},"Ga om met uiteenlopende regelgeving via levende overzichten",{"type":345,"content":499},[500,502,508],{"text":501,"type":349},"Richt ",{"text":503,"type":349,"marks":504},"horizon scanning",[505],{"type":354,"attrs":506},{"href":507,"uuid":357,"anchor":357,"target":358,"linktype":12},"\u002Fhelia\u002Fhorizon-scanning",{"text":509,"type":349}," en een adherence assessment in over jurisdicties heen, en koppel vereisten aan interne datapunten. Houd een “levend overzicht” bij van wat verplicht is, wat ontbreekt en waar de inzet naartoe moet, zodat u koers kunt houden ondanks bewegende doelen.",{"type":378,"attrs":511,"content":512},{"level":380},[513],{"text":514,"type":349},"Waarom dit nu telt",{"type":345,"content":516},[517],{"text":518,"type":349},"De sector heeft laten zien dat vrijwillige toezeggingen het bewustzijn vergroten, maar bij klimaat kwam echte verandering pas toen de regels werden aangescherpt. Biodiversiteit staat op eenzelfde kruispunt. Instellingen die nu investeren in data-infrastructuur, een slankere uitvraag bij klanten en het in kaart brengen van regelgeving, kunnen reputatiesignalen straks omzetten in inzichten die meewegen in de prijs, zodra het regelboek en de methoden vastliggen.",{"type":378,"attrs":520,"content":521},{"level":380},[522],{"text":523,"type":349},"Wat wij doen",{"type":345,"content":525},[526],{"text":527,"type":349},"Wij helpen financiële instellingen om biodiversiteit uit de rapportages en in de productiesystemen te krijgen: het leidingwerk, de governance en de bewijsbasis om ambitie tot dagelijkse praktijk te maken. Geen wondermiddelen, maar de juiste volgorde van praktische stappen die de knelpunten wegnemen die u vandaag voelt.",{"type":345,"content":529},[530,535,543],{"text":531,"type":349,"marks":532},"Dit artikel vat het wetenschappelijk onderzoek samen van ",[533],{"type":534},"italic",{"text":536,"type":349,"marks":537},"Blanca Salvat Ruiz",[538,539],{"type":534},{"type":354,"attrs":540},{"href":541,"uuid":357,"anchor":357,"target":542,"linktype":110},"https:\u002F\u002Fwww.linkedin.com\u002Fin\u002Fblanca-salvat-453722232\u002F","_blank",{"text":544,"type":349,"marks":545},", uitgevoerd als afstudeeronderzoek in samenwerking met de Vrije Universiteit Amsterdam en ACE + Company, met gesprekken met senior professionals en een analyse van de rapportages over 2024 van tien Nederlandse financiële instellingen.",[546],{"type":534},"2025-10-22 08:14:13","News",{"id":550,"alt":333,"filename":551,"fieldtype":552},205752406627835,"https:\u002F\u002Fa.storyblok.com\u002Ff\u002F294177895581993\u002F1117159\u002Feed83e684d\u002Fwhy-biodiversity-still-lags.jpg","asset","Van beloftes naar portefeuilles: waarom biodiversiteit achterblijft",{"name":555,"created_at":556,"published_at":557,"updated_at":558,"id":559,"uuid":560,"content":561,"slug":579,"full_slug":580,"sort_by_date":357,"position":581,"tag_list":582,"is_startpage":29,"parent_id":583,"meta_data":357,"group_id":584,"first_published_at":585,"release_id":357,"lang":586,"path":357,"alternates":587,"default_full_slug":357,"translated_slugs":357,"_stopResolving":15},"Janco Jordaan","2026-07-31T10:04:21.292Z","2026-08-26T07:44:28.675Z","2026-08-26T07:44:28.692Z",203991700688516,"10e7ea9e-9dd0-4f22-8f29-982994c23161",{"bio":562,"_uid":568,"name":555,"role":569,"email":570,"facts":571,"phone":572,"photo":573,"quote":576,"linkedin":577,"component":578,"quote_source":9},{"type":342,"content":563},[564],{"type":345,"content":565},[566],{"text":567,"type":349},"Janco werkt sinds 2018 bij Ace + Company en heeft binnen de managementconsultancy een bewezen staat van dienst op het gebied van portfolio- en changemanagement, datakwaliteit en governance, (business) datamodellering en het opstellen van (data)requirements.","1aafb9df-3894-42cc-b371-29cdc91b8f28","Partner","janco.jordaan@acecompany.nl",[],"06 4666 7035",{"id":574,"alt":555,"name":9,"focus":9,"title":9,"filename":575,"copyright":9,"fieldtype":552},203988219230185,"https:\u002F\u002Fa.storyblok.com\u002Ff\u002F294177895581993\u002F768x960\u002Fa317a5929f\u002Fteam-janco-jordaan.webp","Ace geeft mij het platform om echt het verschil te maken in de manier waarop onze klanten regulatory change beheersen en inrichten. Structurele oplossingen verankeren is een uitdaging die ik graag aanga.","https:\u002F\u002Fwww.linkedin.com\u002Fin\u002Fjanco-jordaan-847225a6\u002F","team_member","janco-jordaan","nl\u002Fteam\u002Fjanco-jordaan",-100,[],203991674748537,"20ee2aaa-9433-4ba3-957c-9e11d8ad4e5b","2026-07-31T10:04:21.331Z","nl",[],"Nederlandse banken, verzekeraars en vermogensbeheerders hebben biodiversiteit hoger op de agenda gezet met pledges en initiatieven als TNFD, de Finance for Biodiversity Pledge en PBAF. Maar het omzetten van die toezeggingen…","article","https:\u002F\u002Facecompany.nl\u002Fblog\u002Fsustainable-finance\u002Fwhy-biodiversity-still-lags\u002F","why-biodiversity-still-lags","nl\u002Fnews\u002Fwhy-biodiversity-still-lags",-60,[],205752346605937,"687c686b-d253-4bc7-9d36-21d997f47b65","2026-08-05T09:28:43.229Z",[],1788359998,[601],{"name":555,"created_at":556,"published_at":557,"updated_at":558,"id":559,"uuid":560,"content":602,"slug":579,"full_slug":580,"sort_by_date":357,"position":581,"tag_list":610,"is_startpage":29,"parent_id":583,"meta_data":357,"group_id":584,"first_published_at":585,"release_id":357,"lang":586,"path":357,"alternates":611,"default_full_slug":357,"translated_slugs":357},{"bio":603,"_uid":568,"name":555,"role":569,"email":570,"facts":608,"phone":572,"photo":609,"quote":576,"linkedin":577,"component":578,"quote_source":9},{"type":342,"content":604},[605],{"type":345,"content":606},[607],{"text":567,"type":349},[],{"id":574,"alt":555,"name":9,"focus":9,"title":9,"filename":575,"copyright":9,"fieldtype":552},[],[],[],{"age":614,"cache-control":615,"connection":616,"content-encoding":617,"content-type":618,"date":619,"etag":620,"referrer-policy":621,"sb-be-version":622,"server":623,"transfer-encoding":624,"vary":625,"via":626,"x-amz-cf-id":627,"x-amz-cf-pop":628,"x-cache":629,"x-content-type-options":630,"x-frame-options":631,"x-permitted-cross-domain-policies":207,"x-request-id":632,"x-runtime":633,"x-xss-protection":634},"5003","max-age=0, public, s-maxage=604800, stale-if-error=3600","keep-alive","gzip","application\u002Fjson; charset=utf-8","Wed, 02 Sep 2026 14:40:34 GMT","W\u002F\"06d5203b7506204e9f5307ca1b0efc42\"","strict-origin-when-cross-origin","5.959.0","nginx\u002F1.29.1","chunked","Origin,Accept-Encoding","1.1 ef315c477bb47c8fcfecf9e0377b18b0.cloudfront.net (CloudFront)","wQo3OAHJd0rc8H7rGQzm0dWg9KqzV1rHjpqEs1Ma5jXuxw25uc0NcQ==","IAD55-P6","Hit from cloudfront","nosniff","SAMEORIGIN","68d88d7f-9475-4626-8ce3-41e64e172a8f","0.056835","0",1788365036726]