Nestflow

What Nestflow does

Nestflow B.V. is a Netherlands-based fintech and proptech platform founded in 2023 by Edgar Alexander Kooter (CEO) and Ben Myers (Co-Founder/CFO) to address the 'house rich, cash poor' problem among European homeowners aged 65 and above. The company's core technology is a proprietary FlexRights system in which each FlexRight represents a 1% claim on the home's eventual market value or sale proceeds, allowing homeowners to convert built-up equity into debt-free upfront cash without taking on loans, interest, monthly payments, or maintenance fees, and without giving up occupancy rights. Nestflow also operates NestFixed, a product variant under which the homeowner sells the entire home while retaining the right to live in it for life, receiving an upfront payment plus fixed recurring amounts.

Nestflow monetizes via three streams: a one-time setup fee covering notary and administrative costs, a small platform fee charged on each FlexRights sale or buyback transaction, and an agent-style fee on the eventual sale or settlement event. The platform is supported by a proprietary valuation model that accounts for current home value, independent appraisal, and expected duration of occupancy. Distribution is hybrid: direct-to-consumer digital acquisition via website calculators, free-estimate forms, and chat, combined with an advisor-referral channel (e.g., AFM-registered Slim Pensioneren) and a notarial execution network. Transactions are formalized as notarized mortgage rights (hypotheekrecht) registered in the Dutch land registry (Kadaster), and the company holds Chamber of Commerce registration #89650336.

The company targets elderly homeowners (65+) as its primary persona and real estate investors as a secondary business segment, currently operating in the Netherlands with planned expansion to Germany, Belgium, Portugal, and Spain. Nestflow is venture-backed, with disclosed investment from STYX (2024 lead), Birdhouse Ventures (December 2024), and Kaasstad Kapitaal (July and November 2025), alongside co-investors EWOR and Oliver Mickler. Strategic advisor Michael Bristow joined in 2025, and the company relocated to WTC Amsterdam – Tower Ten in Amsterdam's Zuidas financial district in November 2025.

Name

Nestflow

Legal name

Nestflow B.V.

Website

https://nestflow.com

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

1–10 employees

Short description

Nestflow is a Netherlands-based fintech platform founded in 2023 that enables homeowners aged 65 and above to unlock built-up home equity as debt-free cash through a proprietary FlexRights system, without selling, moving, or taking on loans.

Ownership category

akta.pro rank

Product category

Home Equity Release

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Finance Services (6199)

akta.pro primary industry

Real Estate / Property-Backed Marketplace Lending (Non-mortgage) (FSAKAHAG)

Keywords

• Home equity release
• Equity release solutions
• Property-backed finance
• Senior housing finance
• Retirement equity products

Headquarters

HQ city

Roelofarendsveen

HQ country

Netherlands

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales

Revenue model

1. FlexRights Transaction Fees: Nestflow charges a small platform fee each time a homeowner sells or buys back FlexRights, included as part of the transaction cost.
2. One-time Setup Fee: A standard one-time fee covering all paperwork and initial notary costs, usually deducted from the initial FlexRights payment. Discounts available for customers who receive independent financial advice.
3. Agent-style Fee on Sale: When homeowners eventually leave their home (through sale or settlement event), Nestflow receives a small agent-style fee based on the sale price.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels6 records

Core offering

Nestflow operates a fintech platform that enables homeowners aged 65+ to unlock built-up home equity as debt-free cash without selling, moving, or taking on a new loan. Through the proprietary FlexRights system—where each FlexRight represents a claim on 1% of the home's eventual market value—homeowners receive upfront cash in exchange for selling partial or full claims on future home value. Transactions are formalized via notarized mortgage rights registered in the Dutch land registry (Kadaster).

Product overview

Nestflow is a Netherlands-based fintech platform offering home equity release solutions. The company operates two main products: Nestflow Flex (the flagship flexible option for selling partial rights to future home value) and NestFixed (for selling the entire home while retaining residency). Nestflow Flex allows homeowners aged 65+ to convert built-up home equity into debt-free cash by selling FlexRights—each representing 1% of the home's future market value—with no monthly payments, interest, or maintenance fees. The platform also provides a calculator tool for estimating potential cash amounts. Nestflow targets elderly homeowners in Europe who are 'house rich but cash poor,' currently operating in the Netherlands with planned expansion to Germany, Belgium, Portugal, and Spain.

Differentiator

Problem solved

Functional benefit

Products and services

• Nestflow Flex

Quantifiable outcome

• Home portfolio growing at double-digit month-over-month rate
• +1 more outcomes

Named customers6 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Two partnerships are on record, tiered core.

• Michael BristowcoreOthers · 1 May 2025Strategic advisor joining Nestflow to advance the company's mission to transform home-equity release in Europe.
• Slim PensionerencoreChannel Partner/ Reseller/ DistributorIndependent financial advisory firm familiar with Nestflow's platform. Offers significant discount on Nestflow's setup fee for clients who work with them. Registered with AFM (Authority for the Financial Markets).

Scale indicators3 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Hometap: Hometap is a US-based home equity investment company that invests in a portion of a homeowner's property in exchange for cash today, with repayment when the home is sold. It is one of the closest direct peers to Nestflow's FlexRights model, differing mainly by geography and product structure.
• Point: Point is a US home equity investment platform that offers homeowners cash in exchange for a share of their home's future value, with no monthly payments or interest. Highly comparable to Nestflow Flex in mechanism, customer base, and target use cases.
• EasyKnock: EasyKnock provides homeowners with cash by buying their home outright or a portion of future value (Sale-Leaseback and Home Equity Investment products). Directly comparable to Nestflow's NestFixed (sale-while-staying) and Flex products.
• Unlock (France): Unlock is a French proptech that helps elderly homeowners release home equity by selling a fraction of their property while continuing to live in it. Closely mirrors Nestflow's viager-inspired approach and shares the same target customer (65+ house-rich, cash-poor homeowners).
• Figure: Figure is a US fintech operating in home equity lines of credit (HELOCs) and reverse mortgage-adjacent products using blockchain-based infrastructure. Comparable to Nestflow as a technology-enabled player modernizing the home equity release category.
• Viagério: Viagério is a French online viager marketplace that brokers sales of property with lifetime occupancy rights. Comparable to Nestflow in cultural framing (viager), target customer (elderly), and product architecture (future value for cash today).

Broad incumbents

• Just Group: Just Group is a UK-listed specialist in retirement income and equity release products for older customers. Comparable to Nestflow as an established player serving the same customer need (home equity release for retirees), though via traditional lifetime mortgage structures.
• Legal & General Home Finance: Legal & General operates a UK equity release (lifetime mortgage) business targeting 55+ homeowners. Comparable to Nestflow on customer demographic and use case, though delivered through traditional mortgage structures rather than equity-stake innovation.
• Aegon: Aegon is a large international insurance and pensions group with equity release and mortgage products across the Netherlands and UK. Comparable as a broad incumbent operating in the same regulatory space as Nestflow, particularly in the Dutch market.

Emerging players

• Liberkeys: Liberkeys is a French proptech offering real estate brokerage services with technology-driven pricing and sale-leaseback-style products. Comparable to Nestflow in being a tech-enabled European property company serving consumers with new home equity access options.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/nestflowhome

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds2 records

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Nestflow