TJIP

What TJIP does

TJIP B.V. is a privately held Dutch software company, headquartered in Delft and founded in 1999, that builds a modular SaaS platform — branded the TJIP Smart Platform — for financial service providers across four verticals: mortgages, pensions, insurance, and asset management. The platform comprises approximately fifteen modules including MortgageConnect and MortgageCalc for digital mortgage origination, BusinessConnect (administration), InsureConnect (distribution), AdvisorConnect and ClientConnect (advisor and customer portals), Financieel Inzicht (financial insight), and BusinessConnect voor Vermogensbeheer (asset management administration), all designed around an API-first architecture that integrates into existing enterprise IT landscapes via standards such as SIVI and connectors to Ockto, Nibud, and VECOZO. TJIP also delivers custom solutions such as the Connect case management system for Eurocross Assistance and the WeCare electronic patient record for HSK, demonstrating capability to extend the platform into adjacent domains beyond financial services.

Revenue is generated primarily through subscription SaaS licensing for the modular platform, complemented by professional services for implementation, integration, and on-site consultancy (including Business Analyst placements at customers such as Blue Sky Group). Customer go-to-market is direct enterprise field sales targeting Dutch financial institutions — banks (ABN AMRO, Rabobank, Lloyds Bank), insurers (Achmea, Interpolis, Eurocross, Movir), pension funds and executors (Shell Pensioenfonds, Oak Pensioenfonds, Blue Sky Group), and asset managers (BlackRock) — supplemented by embedded distribution partnerships (Stater, MeetingpointAdvies, Rabobank app for Interpolis products) and intermediary resellers. The company reports approximately 100–120 employees (the vast majority software engineers), a customer satisfaction score of 8.8, ISO 27001, SOC 2 Type 2, and FSQS-NL certifications, and a stated near-term revenue ambition of approximately EUR 20 million with a three-year target of EUR 50 million. In October 2024 TJIP acquired Verschure ICT Diensten to deepen its pension-sector capabilities ahead of the WTP transition.

Name

TJIP

Legal name

TJIP B.V.

Website

https://tjip.com

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

51–100 employees

Short description

TJIP is a Dutch SaaS provider founded in 1999, offering a modular API-based platform — the TJIP Smart Platform — for banks, insurers, pension funds, and asset managers across mortgages, pensions, insurance, and wealth management. The company serves Dutch and select European financial institutions through direct enterprise sales, embedded distribution partnerships, and professional services.

Ownership category

akta.pro rank

Product category

Financial Services Software

NAICS

Custom Computer Programming Services (541511)

SIC

Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Ancillary Benefits TPA (Dental/Vision/Life/Accident/Critical Illness) (HLAEALAN)

akta.pro secondary industry

Wholesale Lock Desk, Pricing & TPO Support Services (FSALACAJ)

Keywords

• Financial services software
• Mortgage processing platform
• Pension administration software
• Insurance administration platform
• API-based fintech solutions

Headquarters

HQ city

Delft

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. SaaS/Software Licensing: TJIP operates as a SaaS provider offering modular software solutions to financial institutions. The company provides subscription-based access to their platform and various modules including BusinessConnect, ClientConnect, MortgageConnect, and others. Revenue is generated through software licensing fees, typically on an annual subscription basis.
2. Professional Services: Implementation, consulting, and customization services accompanying software deployment. TJIP provides consultancy at customer sites (e.g., Business Analyst services at Blue Sky Group) and supports integration projects.

Go-to-market motion3 records

Distribution channels3 records

Marketing channels8 records

Core offering

TJIP develops and sells a modular SaaS platform (TJIP Smart Platform) for financial service providers across four verticals: mortgages, insurance, pensions, and wealth management. The platform comprises standalone modules such as MortgageConnect, BusinessConnect, ClientConnect, AdvisorConnect, InsureConnect, and Financieel Inzicht, with API-first integration into customer IT landscapes. TJIP also delivers bespoke solutions (e.g., Connect for Eurocross Assistance and WeCare for HSK) and provides implementation, consultancy, and customization services.

Product overview

TJIP is a modular technology platform offering smart software solutions for the financial sector, active in four branches: Mortgages (Hypotheken), Insurance (Verzekeren), Pensions (Pensioenen), and Wealth Management (Vermogensbeheer). The company operates the TJIP Smart Platform as its core architecture, supplemented by specific solutions across each branch. For Mortgages, the portfolio includes MortgageConnect (online application), MortgageCalc, Mortgage Interest-Only, Hypotheekadviesmodule, and Risicomodule. For Insurance, the TJIP Insurance Platform comprises BusinessConnect (core administration), InsureConnect, ClientConnect, AdvisorConnect, and CustomerCare Portal. For Pensions, solutions include Financieel Inzicht and Financieel inzicht met activatie. The company also delivers custom solutions such as Connect for Eurocross and WeCare for HSK healthcare.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgage Interest-Only Helps lenders proactively activate and guide customers with interest-only (aflossingsvrije) mortgages through early segmentation, automated customer flows, and timely advisor involvement. Sold as a module to banks and mortgage lenders.
• MortgageCalc Provides fast and reliable insight into the maximum obtainable mortgage and the associated monthly costs for consumers. Sold to lenders and intermediaries as a calculation module.
• MortgageConnect Enables consumers to independently apply for a mortgage online, including co-browsing support, for both initial applications and mortgage increases. Sold to banks and lenders including Lloyds Bank.
• Hypotheekadviesmodule Service module for creating mortgage advice reports, ensuring accuracy and time savings for advisors. Sold to mortgage advisory firms and lenders.
• Risicomodule Provides reliable risk analysis for mortgages by giving insight into customers' financial future and repayment capacity. Sold to lenders for risk-based mortgage decisions.
• BusinessConnect (Insurance) Complete administration package for insurers and underwriting agencies, supporting service delivery through workflow-based data management, task-based working, and online connectivity to other systems. Sold to insurers including Achmea/Interpolis.
• InsureConnect Enables online calculation, comparison, and application of insurance products across various platforms and distribution channels, accessible to both consumers and advisors. Sold to insurers and intermediaries.
• ClientConnect Smart customer portal giving consumers and entrepreneurs full control and transparency over their insurance matters in a secure digital environment. Sold to insurers such as PetSecur.
• AdvisorConnect Advisor portal providing efficient access to relationship data, quotes, status information, and policies for complete, fast, and error-free service delivery. Sold to insurers and insurance intermediaries.
• CustomerCare Portal Gives customers and employees secure and easy grip on current customer data, processes, and interactions, supporting digital duty of care and compliance. Sold to insurers and other financial services providers.
• Financieel Inzicht Digital portal providing consumers with insight and helping them make choices that fit their future wishes. Sold to pension funds and pension administrators.
• Financieel Inzicht met Activatie Helps pension organizations support, inform, and activate consumers at the right moment by combining TJIP technology with Prikkl behavioral models. Sold to pension funds and pension executors.
• BusinessConnect voor Vermogensbeheer Complete administration package for asset managers supporting service delivery. Sold to asset managers and wealth managers.
• TJIP Smart Platform Modular technology platform for financial service providers in mortgages, insurance, pensions, and wealth management, enabling organizations to help customers gain grip on their financial situation. The core architecture upon which the business-unit modules are deployed.
• TJIP Verzekeringsplatform Comprehensive insurance platform enabling development of embedded insurance approaches and complete backoffice solutions for insurance administration. Sold to insurers such as Achmea/Interpolis.
• Connect (Eurocross) Custom central case-handling system built for Eurocross Assistance alarm center, supporting the entire chain from first customer contact to financial settlement.
• WeCare (HSK) Electronic Patient Record (EPD) system built for HSK mental healthcare organization, containing complete medical records, process records, appointment management, declarations, and workflows, integrated with VECOZO.

Quantifiable outcome

• Customer satisfaction rating of 8.8 out of 10 from customers
• +2 more outcomes

Named customers16 records

Segments4 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability11 records

Feature10 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• Verschure ICT DienstencoreStrategic or Co-development Partner · 1 October 2024Acquisition of Verschure ICT Diensten strengthens TJIP's innovative position in the pension market. Verschure, founded in 1980, has extensive experience in ICT services particularly within the pension sector. Customers include pension executor Blue Sky Group. The acquisition broadens TJIP's domain knowledge and pension administration expertise.
• PrikklcoreStrategic or Co-development PartnerPrikkl provides behavioral models and behavioral change expertise that complements TJIP's technology platform. Together they offer a combination of technology and behavioral insights for pension participant activation. Prikkl provides pension coaches and ensures participants visit the TJIP portal through proactive outreach via email, phone, etc.
• RISKminorStrategic or Co-development PartnerJoint session on embedded insurance at VIP Congres 2025. RISK focuses on the front-end for advisors while TJIP provides technical integration at the backend. Together they enable insurance offerings at the right moment, through the right channel, and with the right premium.
• BlackRockcoreStrategic or Co-development Partner20+ year partnership supporting Philips Pensioenfonds with credit mediation for mortgages as stable investments. Recently extended for 5 years. Currently developing bridge and portable mortgages together.
• Stichting Actief KlantbeheercoreStrategic or Co-development PartnerNon-profit organization with goal of improving financial health of consumers by connecting financial advisors, banks and insurers to intensify customer relationship management. TJIP joined to strengthen active customer management in the financial sector. Other members include ABN AMRO, Figlo, NNEK, Rabobank, Stater.
• StatercoreTechnology or IntegrationMortgage platform integration for hybrid mortgage applications. TJIP's solutions integrate with Stater's platform for seamless digital customer journeys.
• Brush AIminorStrategic or Co-development PartnerPartnership for AI implementation in insurance sector, featuring Noëlle Cicilia (owner of Brush AI and AI Person of the Year). Collaboration on modular solutions, integrated customer journeys, and responsible AI deployment.
• Excelsior RotterdamminorGTM or Marketing PartnerTJIP is official shirt sponsor of Excelsior Rotterdam. Partnership based on shared passion for innovation and positive societal impact. TJIP develops software solutions for the financial sector.

Scale indicators11 records

Recent moves6 records

Expansion highlights7 records

Direct peers

• Figlo: Dutch financial-planning and pension-communication software vendor; co-member with TJIP in Stichting Actief Klantbeheer and a direct competitor for the pension communication/insight use cases (Financieel Inzicht, WTP tooling).
• Ortec Finance: Dutch-headquartered provider of investment-and-pension decision software for asset managers and pension funds. Competes with TJIP's pension and wealth-management modules (Financieel Inzicht, BusinessConnect voor Vermogensbeheer) for the same Dutch institutional buyers.
• Stater NV: Dutch mortgage-services platform and TJIP customer/integration partner. Operates in the same Dutch mortgage software market, offering origination, servicing and hybrid application tooling comparable to TJIP's MortgageConnect and Hypotheekadviesmodule.
• FNZ Group: Global wealth-management platform serving asset managers and financial institutions with modular administration and client-facing tooling. Directly comparable to TJIP's BusinessConnect voor Vermogensbeheer and Vermogensbeheer vertical offerings.
• Backbase: Netherlands-headquartered digital banking and financial-services platform serving banks and insurers with modular, API-first architectures. Directly competes with TJIP for Dutch financial-institution digital-transformation budgets across banking, mortgage and insurance journeys.

Emerging players

• Mambu: Cloud-native core banking SaaS. Competes for the same enterprise banking modernization budgets in the Netherlands and can overlap with TJIP's API-first platform approach to mortgages and insurance distribution.
• Hyphen (formerly Blink): UK-based insurance and protection technology platform with API-based distribution and policy-administration capabilities. Comparable in product architecture to TJIP's BusinessConnect, InsureConnect and embedded insurance offering.
• Thought Machine: Cloud-native core banking platform serving Tier 1 and challenger banks. Adjacent competitor for Dutch banks modernizing lending and savings infrastructure that may absorb functionality TJIP currently provides via MortgageConnect.

Broad incumbents

• FIS (Fidelity National Information Services): Global provider of core banking, lending, insurance and wealth-management software. Competes at the broader incumbent level with TJIP for IT modernization budgets at large Dutch banks, insurers and pension funds.
• Adyen: Dutch global payments/fintech incumbent. Not a direct overlap in mortgage/pension software, but a comparable Dutch-headquartered enterprise fintech with strong API-first DNA targeting financial-services institutions.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/tjip_bv
• Facebookfacebook.com/TJIPBV
• LinkedInlinkedin.com/company/tjip-b-v-
• Instagraminstagram.com/tjipbv

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

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 TJIP