NBG
NBG B.V. is a Dutch independent financial advisory firm, founded in 1995, that advises Dutch consumers on mortgages (and related insurance, credit and savings products) by comparing 30-37+ lenders through a network of 100+ self-employed advisors across the Netherlands.
- Company typePrivate
- Founded1995
- HeadquartersNuenen, Netherlands
- Headcount101–250
- GTM typeB2C
- OfferingServices
What NBG does
NBG B.V. is a Dutch independent financial advisory firm founded in 1995 and headquartered in Nuenen, Netherlands. The company advises consumers across the full mortgage lifecycle — first-home purchase, moving, refinancing, equity release, renovation, divorce-related restructuring, retirement and entrepreneurship — and compares offers from 30-37+ Dutch mortgage lenders (geldverstrekkers) without captive bank ownership or commission from mortgage providers. The firm is registered with the AFM (vergunningsnummer 12042801) and Kifid to advise across seven product categories: mortgage credit, non-life insurance, life insurance, consumer credit, income insurance, assets and savings accounts.
NBG distributes advice through a network of 100+ self-employed mortgage advisors (zelfstandig adviseurs) operating from at least 16 named Dutch cities, with each advisor serving customers at home or online and reachable outside regular office hours via phone, WhatsApp and email. The technology stack supporting this distribution includes a customer portal (Mijn Dossier at mijndossier.nbg.nl), online maximale hypotheek and interest-rate calculators, an online damage-reporting app (Schade Meld App via Polisapp), and SEO-optimised advisor- and city-specific landing pages that drive the top and middle of the funnel. Customer trust signals are strong: a 9.5/10 rating across 7,500-7,870 reviews and 73,000+ mortgages arranged since 1995.
The revenue model is fee-based advice for mortgages (€2,495-€3,210 per engagement, with a free initial consultation), supplemented by provision from non-life insurance and consumer credit providers. NBG does not earn commission from mortgage lenders, reinforcing its stated independence. Customer segments are entirely consumer/household-level and segmented by life event rather than by enterprise contract, with stated pricing published per advisor and per city. The firm has no disclosed institutional ownership, no parent company, and operates as a privately held Dutch B.V. with one named founder-leader, Bart Meijerink (Founder, General Manager & Partner).
NBG firmographics
Firmographics- Name
- NBG
- Legal name
- NBG B.V.
- Website
- https://nbg.nl
- Company type
- Private
- Founded year
- 1995
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- NBG B.V. is a Dutch independent financial advisory firm, founded in 1995, that advises Dutch consumers on mortgages (and related insurance, credit and savings products) by comparing 30-37+ lenders through a network of 100+ self-employed advisors across the Netherlands.
- Ownership category
- akta.pro rank
Where NBG is headquartered
LocationHeadquarters
- HQ city
- Nuenen
- HQ country
- Netherlands
- HQ region
- Europe
Offices16 records
Markets served
NBG business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Fee-based mortgage & financial advice: Clients pay NBG directly for advice and intermediation. Pricing is fixed / one-off per engagement (e.g., Aankoop eerste woning from €2,895; other life phases from €3,210; Aankoop en oversluiten from €2,875; Aankoop starters from €2,495). The first exploratory meeting is free and no-obligation; pricing is custom-quoted per situation.
- Provisions from insurers and consumer-credit providers: NBG receives no commission from mortgage lenders, but does receive provision from providers for non-life (schade) insurance and consumer credit (consumptief krediet).
- Variable employee-linked bonuses (cost item, not revenue): Up to 20% of fixed salary can be paid as variable bonus tied half to non-financial KPIs (customer satisfaction, retention, advice quality). 2023 variable bonus payout: €78,614.92 (3% of personnel costs of €2,840,362.15).
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Pay-as-you-go | Aankoop eerste woning — purchase of first home |
| One time/ perpetual license | Pay-as-you-go | Andere levensfasen — other life phases (moving, refinancing, equity release, renovation, divorce, retirement, entrepreneur) |
| One time/ perpetual license | Pay-as-you-go | Aankoop en oversluiten — purchase and refinance |
| One time/ perpetual license | Pay-as-you-go | Aankoop starters — starter purchase |
Go-to-market motion4 records
Distribution channels4 records
Marketing channels8 records
NBG product offering
Product offeringCore offering
NBG is an independent Dutch financial advisory firm that provides mortgage advice by comparing rates and terms across 30+ to 37+ Dutch lenders (geldverstrekkers), supported by a national network of 100+ self-employed advisors who meet customers at home or online. The firm also advises on related life, non-life and income insurances, consumer credit, savings and pension matters, operating under AFM registration (vergunningsnummer 12042801).
Differentiator
Problem solved
Functional benefit
Products and services
- Mortgage advice - First-home purchase (Aankoop eerste woning)
- Mortgage advice - Other life phases (Andere levensfasen)
- Mortgage advice - Purchase and refinance (Aankoop en oversluiten)
- Mortgage advice - Starter purchase (Aankoop starters)
- Insurance advice (Schade, Leven, Inkomen)
- Consumer credit advice (Consumptief krediet)
- Maximale hypotheek & rentetools (online calculators)
- Mijn NBG customer portal (Mijn Dossier)
- Schade Meld App (Polisapp)
Quantifiable outcome
- 9.5 customer rating across 7,500+ reviews
- +3 more outcomes
Companies that use NBG
Customer profileSegments8 records
Ideal customer profiles7 records
NBG technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature5 records
NBG partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core and minor.
- Scheidingsexpert (Hypotheken Scheidingen)coreNBG and Scheidingsexpert have publicly joined forces to support clients through divorce: Scheidingsexpert handles mediation and total-solution divorce handling, while NBG provides the mortgage advice. They are co-marketed ('in samenwerking met') on the NBG 'Hypotheek en scheiden' page. Scheidingsexpert cites a 95% mediation success rate (overlegscheiding vs vechtscheiding) and combined metrics (96% heldere afspraken, 92% recommend, 8,3 average score).
- Nationale Hypotheek Garantie (NHG)minorNBG explicitly references working with lenders that offer NHG, allowing first-time and other buyers to finance up to 100% of the purchase price, including for entrepreneurs with limited track records.
Scale indicators9 records
Recent moves6 records
Expansion highlights5 records
NBG competitors and assessment
Company assessmentBroad incumbents
- ING Bank Nederland: Large Dutch retail bank with significant captive mortgage distribution and direct digital mortgage flows. Competes with NBG for the same Dutch consumer mortgage customers, both via direct channels and via in-house advisors.
- Independer.nl: Leading Dutch financial-services comparison and lead-generation platform. Overlaps with NBG in mortgage comparison but monetises via lead-gen and switching services rather than fee-based human advice — a partial substitute and a competitive threat.
- Rabobank: Major Dutch retail bank with a captive mortgage channel and in-house advisors. NBG's value proposition is partly 'advice independent of a bank like Rabobank', making it the dominant incumbent competitor for the same Dutch mortgage customers.
- a.s.r. Nederland: Large Dutch insurance and mortgage provider (formerly part of ASR/ASN). Operates in the same Dutch consumer mortgage, life insurance and pension markets as NBG, but as a vertically integrated provider rather than an independent intermediary.
Direct peers
- Hypotheek Visie: Dutch independent mortgage-advisor franchise with a similar advisor-network model, multi-lender comparison, and consumer-direct fee-based advice. Closest direct competitor to NBG in scale and operating model.
- Dunya Hypotheken: Dutch independent mortgage intermediary providing multi-lender mortgage advice to consumers, with a focus on independent comparison and personal advice — directly comparable in product and customer to NBG.
- De Hypotheker: Largest Dutch independent mortgage-advisor franchise network. Directly comparable to NBG in offering multi-lender mortgage advice via a national network of self-employed advisors serving Dutch consumers.
- Hanno Financieel Advies: Dutch national independent financial advisory chain covering mortgages, insurance and pensions. Comparable to NBG in its independent, multi-product, advisor-network delivery model.
- Nationale Hypotheek Service (NHS): Dutch independent mortgage intermediary network comparing multiple lenders for consumers. Same independent multi-lender model and advisor-driven distribution as NBG.
Emerging players
- Hypotheek.nl: Dutch online mortgage information and lead-generation platform. Not a direct advisor but increasingly captures the top-of-funnel comparison and orientation step that NBG's content (Blog/Nieuws, situation pages) also targets, making it an emerging digital competitor.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
NBG social profiles
Digital presenceNBG compliance and trust
Trust signalCompliance4 records
NBG financial estimates
Financial estimateRevenue estimate
Valuation estimate
NBG leadership team
Management profileNumber of profiles
Profiles1 record
NBG funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
NBG 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 NBG
What does NBG do?
NBG is an independent Dutch financial advisory firm that provides mortgage advice by comparing rates and terms across 30+ to 37+ Dutch lenders (geldverstrekkers), supported by a national network of 100+ self-employed advisors who meet customers at home or online. The firm also advises on related life, non-life and income insurances, consumer credit, savings and pension matters, operating under AFM registration (vergunningsnummer 12042801).
Is NBG a public or private company?
NBG is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was NBG founded?
NBG was founded in 1995. It employs 101 to 250 people.
Where is NBG based?
NBG is headquartered in Nuenen, Netherlands, in the Europe region.
How does NBG make money?
Three revenue lines are on record. Fee-based mortgage & financial advice is the primary driver. The others are provisions from insurers and consumer-credit providers and variable employee-linked bonuses (cost item, not revenue).
Who are NBG's main competitors?
Broad incumbents on record are ING Bank Nederland, Independer.nl, Rabobank and a.s.r. Nederland. Direct peers are Hypotheek Visie, Dunya Hypotheken, De Hypotheker, Hanno Financieel Advies and Nationale Hypotheek Service (NHS). Hypotheek.nl is listed as an emerging player.
Does NBG have an API?
No public API is recorded for NBG.