Curvo
Curvo is a Belgian-founded, Dutch-domiciled fintech operating a mobile app that automates monthly passive index investing for young European first-time investors, with portfolios managed by Dutch AFM-regulated partner NNEK using low-cost Vanguard, iShares and Amundi funds.
- Company typePrivate
- Founded2019
- HeadquartersIxelles, Belgium
- Headcount1–10
- GTM typeB2C
- OfferingSoftware
What Curvo does
Curvo monetises via investment management fees on assets under management channelled through its regulated partner NNEK, with no explicit fee schedule or pricing tiers publicly disclosed beyond the €50 minimum monthly contribution. Distribution is community- and content-led: monthly transparency reports, the Curvo Academy educational library, a free Backtest tool (~1,000 daily users) and comparison content against Belgian incumbents (Bolero, DEGIRO, Trade Republic, Keytrade, MeDirect, Belfius Re=Bel) drive organic acquisition, complemented by PR features in Le Soir and on RTBF. The company was founded in 2019 by serial entrepreneurs Thomas Ketchell and Yoran Brondsema (co-creators of Sutori, an edtech platform serving 2 million users), with Benjamin Corvilain joining as COO; the team remains at 1–10 people, mostly freelancers, and is backed by a single €500K seed round closed in July 2023 led by Belgian angel network BeAngels.
Curvo firmographics
Firmographics- Name
- Curvo
- Legal name
- Curvo B.V.
- Website
- https://curvo.eu
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Curvo is a Belgian-founded, Dutch-domiciled fintech operating a mobile app that automates monthly passive index investing for young European first-time investors, with portfolios managed by Dutch AFM-regulated partner NNEK using low-cost Vanguard, iShares and Amundi funds.
- Ownership category
- akta.pro rank
Curvo industry classification
Industry- Product category
- Automated Investing Platform
- NAICS
- Portfolio Management and Investment Advice (523940), Miscellaneous Financial Investment Activities (523999)
- SIC
- Security Brokers, Dealers & Flotation Companies (6211), Investment Advice (6282)
- akta.pro primary industry
- Execution-Only / Self-Directed Investing Platforms (FSAAAAAI)
- akta.pro secondary industry
- Custodial Staking Providers (FSADAHAG)
Keywords
Where Curvo is headquartered
LocationHeadquarters
- HQ city
- Ixelles
- HQ country
- Belgium
- HQ region
- Europe
Markets served
Curvo business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Investment management fees on AUM (managed service): Investments are managed by NNEK, a Dutch investment firm regulated by the AFM; Curvo curates portfolios of low-cost index funds (Vanguard, iShares, Amundi) for customers who set up monthly contributions starting at €50. Specific fee schedule not disclosed in the provided sources.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Minimum investment starts at €50; recurring monthly investment plans via automated index investing. |
Go-to-market motion4 records
Curvo product offering
Product offeringCore offering
Curvo offers a mobile app (iOS and Android) that enables Belgian and European users to invest via automated monthly plans starting at €50 in globally diversified portfolios composed exclusively of low-cost index funds from Vanguard, BlackRock (iShares), and Amundi. Portfolios are matched to users through a MiFID-compliant suitability questionnaire, and discretionary management, regulatory compliance, and back-office operations are handled by the Dutch AFM-regulated investment firm NNEK. The service is supported by a free Backtest tool for European ETF strategies and the Curvo Academy educational content library.
Product overview
Curvo is a Belgian/Dutch fintech offering automated passive index investing for young Europeans. Its core is the Curvo mobile app, which onboards users through itsme® (with Onfido and Twilio as fallbacks) and lets them build a globally diversified portfolio composed of low-cost index funds from Vanguard, BlackRock (iShares) and Amundi; those portfolios are managed by the regulated Dutch investment firm NNEK, while assets are custodied at Stichting Noordnederlandse Beleggersgiro. Complementing the core app, Backtest is a free standalone backtesting tool for European ETF investors, and Curvo Academy is an educational content library that supports the app's audience.
Differentiator
Problem solved
Functional benefit
Products and services
- Curvo mobile app Native iOS and Android application that lets Belgian and European users invest via automated monthly plans (starting at €50) in globally diversified portfolios of low-cost index funds offered by Vanguard, BlackRock (iShares), and Amundi. The app handles onboarding (itsme®/Onfido/Twilio), MiFID suitability/portfolio matching, automated recurring investing, and reporting. Portfolios are managed on a discretionary basis by Dutch investment firm NNEK and target young European first-time investors who want to counter inflation on their savings.
- Backtest Free, standalone web-based backtesting tool that lets European investors simulate and backtest ETF portfolio strategies against historical data, similar to Portfolio Visualizer but with European data and funds. Serves roughly 1,000 users per day and acts as a top-of-funnel educational and acquisition tool for the Curvo mobile app.
Companies that use Curvo
Customer profileIdeal customer profiles1 record
Curvo technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
AI capability1 record
Feature4 records
Curvo partnerships and signals
Strategic signalRecent moves6 records
Expansion highlights5 records
Curvo competitors and assessment
Company assessmentDirect peers
- Trade Republic: Berlin-based mobile broker offering automated investing in ETFs and savings plans across Europe with low fees. Curvo explicitly positions against Trade Republic on its comparison page and serves the same 'European passive ETF' use case, though at vastly greater scale and capitalisation.
- DEGIRO: Amsterdam-headquartered low-cost European broker with a broad ETF/fund offering that appeals to self-directed passive investors. Named by Curvo as a direct alternative; both target cost-conscious European investors building index-fund portfolios.
- Bolero: Belgian online broker (KBC group) offering ETF and fund investing aimed at the same Belgian retail audience as Curvo. Named on Curvo's 'Curvo vs Bolero' comparison page, making it one of the closest direct competitors in the home market.
- Keytrade Bank: Belgian online bank with a brokerage arm offering ETF investing and savings products to Belgian retail customers. Named by Curvo as a direct alternative and competes head-to-head for the same Belgian passive-investor segment.
- Scalable Capital: Munich-based robo-advisor and broker offering managed ETF portfolios and self-directed trading across Europe with BaFin regulation. Highly comparable to Curvo's automated, low-cost passive-investing model and serves a similar pan-European retail audience.
- Moneyfarm: UK/Italian digital wealth manager offering managed index-fund portfolios to European retail investors with FCA/Consob regulation. Overlaps directly with Curvo's discretionary, low-cost index-portfolio proposition.
- Indexa Capital: Spain-based robo-advisor managing globally diversified index-fund portfolios for retail investors across southern Europe. Closely comparable in product design — automated, low-fee, index-only portfolios — and a relevant peer as Curvo expands beyond Belgium.
- Easyvest: Belgian robo-advisor offering automated index-investment portfolios to Belgian retail investors via FSMA-regulated partners. Direct in-country competitor with a near-identical product proposition to Curvo.
- MeDirect: Belgian digital bank and broker offering investment and savings products to Belgian retail customers. Named on Curvo's competitor comparison page and competes for the same Belgian passive-investor wallet share.
Broad incumbents
- Belfius (Re=Bel): Large Belgian bank whose Re=Bel investing proposition is named by Curvo as a direct competitor. A broad incumbent with deposits, lending and a brokerage arm rather than a pure-play, but competing for the same Belgian mass-retail investor.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Curvo social profiles
Digital presenceCurvo compliance and trust
Trust signalCompliance3 records
Curvo financial estimates
Financial estimateRevenue estimate
Valuation estimate
Curvo leadership team
Management profileNumber of profiles
Profiles3 records
Curvo funding detail
Funding detailFunding overview
Funding rounds1 record
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Curvo M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Curvo
What does Curvo do?
Curvo offers a mobile app (iOS and Android) that enables Belgian and European users to invest via automated monthly plans starting at €50 in globally diversified portfolios composed exclusively of low-cost index funds from Vanguard, BlackRock (iShares), and Amundi. Portfolios are matched to users through a MiFID-compliant suitability questionnaire, and discretionary management, regulatory compliance, and back-office operations are handled by the Dutch AFM-regulated investment firm NNEK. The service is supported by a free Backtest tool for European ETF strategies and the Curvo Academy educational content library.
Is Curvo a public or private company?
Curvo is a private company. It is classified as venture growth investor backed and is currently operating.
When was Curvo founded?
Curvo was founded in 2019. It employs 1 to 10 people.
Where is Curvo based?
Curvo is headquartered in Ixelles, Belgium, in the Europe region.
How does Curvo make money?
One revenue line is on record: investment management fees on AUM (managed service).
Who are Curvo's main competitors?
Direct peers on record are Trade Republic, DEGIRO, Bolero, Keytrade Bank, Scalable Capital, Moneyfarm, Indexa Capital, Easyvest and MeDirect. Belfius (Re=Bel) is listed as a broad incumbent.
Does Curvo have an API?
No public API is recorded for Curvo.
What industry is Curvo in?
Curvo's product category is Automated Investing Platform. Its primary akta.pro industry code is FSAAAAAI, Execution-Only / Self-Directed Investing Platforms, with a secondary code of FSADAHAG, Custodial Staking Providers. Its NAICS code is 523940 and its SIC code is 6211.