What Semmie does

Semmie is a Dutch digital wealth management company operating under the SemmieWealth brand and the holding entity Semmie Group B.V., founded in 2015 and headquartered in Amsterdam. The platform provides automated, risk-profile-based portfolio management for Dutch retail, business, and pension investors, combined with personal relationship management. It is licensed by the AFM (Authority for the Financial Markets), supervised by DNB (De Nederlandsche Bank), and affiliated with Kifid for dispute resolution.

The core product is the SemmieWealth app (iOS, Android, and browser), which supports account opening, portfolio viewing, and ongoing monitoring. All customers with the same risk profile are placed into the same diversified model portfolio spanning equities, bonds, and private markets, with automated rebalancing to maintain target allocations. A Premium tier adds enhanced services, and an Adviseursportaal (Advisor Portal) serves financial intermediaries who recommend the platform to their clients. Content and education are delivered through an Academy hub with a magazine, investment wiki (Beleggingswiki), and e-books.

The business runs on a recurring subscription/AUM management fee model, with pricing transparently disclosed on a dedicated costs page. GTM is predominantly direct-to-consumer via digital self-service, supplemented by appointment-based consultations and the intermediary channel. The company cites more than 30,000 customers, is privately held with 11-50 employees, and has no disclosed external funding rounds; it is led by CEO and founder Sem Jr van Berkel, CPO and co-founder Louis Kalden, and CCO Dennis de Beer.

Name

Semmie

Legal name

Semmie Group B.V.

Website

https://semmie.nl

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

Semmie (SemmieWealth) is an Amsterdam-based, AFM-licensed Dutch digital wealth manager offering automated, risk-based portfolio management to retail, business, and pension investors via app, browser, and an intermediary advisor channel.

Ownership category

akta.pro rank

Headquarters

HQ city

Amsterdam

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Wealth Management Services: SemmieWealth charges fees for managing customer investment portfolios. The company operates on a subscription/management fee model where costs are transparently disclosed on their dedicated costs page. The service includes professional portfolio management, diversification across equities, bonds, and private markets, automated rebalancing, and ongoing monitoring.

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

SemmieWealth is a Dutch licensed wealth management service that constructs and manages diversified investment portfolios on behalf of customers based on their risk profile. Portfolios spanning equities, bonds and private markets are automatically rebalanced, with customers accessing and managing accounts through a mobile app or web platform supplemented by personal advisory service.

Product overview

SemmieWealth is a digital wealth management platform offering a unified managed investing service. The core offering consists of the SemmieWealth App (mobile and browser-based platform), supplemented by a Premium subscription tier for enhanced features. Services are segmented for different customer types: Particulier Beleggen (personal retail), Zakelijk Beleggen (business/entrepreneur accounts), and Pensioenbeleggen (pension investments). The platform also provides an Adviseursportaal (Advisor Portal) for financial intermediaries. All customers with the same risk profile share the same investment portfolio, managed for long-term, market-conform returns using a combination of traditional stocks, bonds, and private markets.

Differentiator

Problem solved

Functional benefit

Products and services

• SemmieWealth App Mobile and browser application that lets customers open investment accounts, manage their managed portfolios, view real-time performance and contact customer service via chat.
• Particulier Beleggen Personal investment offering for Dutch retail customers, supporting individual, joint and children's accounts for long-term managed wealth accumulation.
• Zakelijk Beleggen Business investment solution providing Dutch companies and entrepreneurs with managed investment accounts (zakelijke beleggingsrekening) for professional stewardship of corporate funds.
• Pensioenbeleggen Pension investment solution for Dutch individuals building retirement savings through managed lijfrente/annuity accounts.
• Adviseursportaal Dedicated portal for Dutch financial advisors and intermediaries to access client information, receive demonstrations and manage portfolios on behalf of their end clients via SemmieWealth.

Quantifiable outcome

• 30,000+ satisfied customers

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Scalable Capital: Munich-based pan-European digital wealth manager offering model portfolios, brokerage, and premium tiers regulated by BaFin. Closely aligned to SemmieWealth on technology-led discretionary management, premium upsell, multi-country footprint, and core retail customer base.
• Moneyfarm: UK- and Italy-focused digital wealth manager with discretionary portfolio management and human-advisor hybrid. Directly comparable on business model, customer segments (retail and pension-style investing), regulated status, and emphasis on transparent fees.
• Brand New Day: Amsterdam-based Dutch asset manager/pension provider offering index and sustainability-tilted products across retail and business customers. Shares with SemmieWealth the Dutch retail focus, AFM-regulated positioning, and indexed-product-led portfolio construction.
• Peaks: Amsterdam-based fintech (acquired by BUX) providing round-up and small-ticket investing to Dutch consumers. Comparable as a Dutch digital wealth entrant targeting retail investors via mobile app, though positioned at smaller ticket sizes than SemmieWealth's discretionary offering.
• Betterment: US pioneer in robo-advice with discretionary model portfolios and tiered premium pricing. Closely comparable in automated portfolio construction, rebalancing, transparent fee disclosure, and app-led experience to SemmieWealth's model.
• Wealthfront: US digital wealth manager offering automated portfolio management, financial planning tools, and tiered premium offerings. Highly comparable on fee-based discretionary management, app-led customer experience, and premium upsell mechanics.
• Raisin (WeltSparen): Berlin-based pan-European savings and investment marketplace bankrolled by deposits and managed portfolios. Comparable on cross-border European retail customer acquisition and broker/wealth-manager partnerships, though distribution-led rather than app-led.

Broad incumbents

• ING (Investment Products): Largest Dutch retail bank offering self-directed and discretionary investment products under AFM and DNB supervision. Comparable as a Dutch regulated retail wealth provider with broader banking infrastructure; competes with SemmieWealth on convenient access to professional portfolios.

Regional players

• DEGIRO: Amsterdam-headquartered European low-cost broker owned by flatexDEGIRO. Operates as a Dutch-regulated broker serving retail investors with self-directed trading rather than discretionary management; serves as the self-directed alternative against which SemmieWealth's managed offering is positioned.

Emerging players

• Trade Republic: Berlin-based European mobile broker with growing savings-plan and managed-portfolio features. Adjacent as a mobile-first European investment app challenging legacy banks, though primarily execution-focused; relevant as a competitive reference point for app-led Dutch retail acquisition.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/semmieNL
• Facebookfacebook.com/semmie.nl
• LinkedInlinkedin.com/company/semmie

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

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 Semmie