Tinka

What Tinka does

Tinka B.V. was a Dutch consumer credit provider, registered with the AFM (license 12012043) and headquartered in Zwolle, Netherlands. The company offered a Buy Now, Pay Later (BNPL) service that enabled shoppers at Dutch web stores to defer or split payment for their purchases, branded under the tagline "Buy now, pay smart."

Operationally, Tinka functioned as a single-purpose point-of-sale credit product embedded at checkout in partner (web) stores, extending short-term installment loans to retail consumers. Underlying technology, proprietary features, and pricing mechanics are not documented in the available sources; the credit risk and engineering functions were led by Remco Hoving (Head of Credit Risk a.i.) and Harm Weites (engineering lead), with Karlheinz Toni serving as CEO.

The company has ceased active operations. Its BNPL service has been discontinued, and the customer base and outstanding balances have been divided across three transition counterparties: Wehkamp now handles returns and complaints for Tinka-financed purchases, Vesting Finance manages the servicing of outstanding customer loans via the mijnlening.tinka.nl portal, and Intrum handles debt collection for a subset of balances. No active products, revenue generation, or forward GTM remain.

Name

Tinka

Legal name

Tinka B.V.

Website

https://tinka.nl

Company type

Private

Founded year

1960

Operating status

Closed

Headcount range

51–100 employees

Short description

Tinka B.V. was a Dutch BNPL (Buy Now, Pay Later) provider that enabled shoppers at Dutch web stores to defer or pay in installments. The company has ceased operations, with customer balances and servicing transferred to Wehkamp, Vesting Finance, and Intrum.

Ownership category

akta.pro rank

Product category

Consumer Lending

NAICS

Sales Financing (522220), Sales Financing (52222)

SIC

Short-Term Business Credit Institutions (6153), Personal Credit Institutions (6141)

akta.pro primary industry

Merchant-Integrated BNPL (Online Checkout) (FSAKACAA)

akta.pro secondary industry

Buy Now, Pay Later (BNPL) Platforms (BPAMAFAG)

Keywords

• Buy now pay later
• Consumer credit
• Installment payments
• Online lending
• Deferred billing

Headquarters

HQ city

Zwolle

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Core offering

Tinka B.V. was a Dutch consumer credit provider headquartered in Zwolle, Netherlands, that offered Buy Now Pay Later (BNPL) services — branded 'buy now, pay smart' — enabling online shoppers at partner webstores (most notably Wehkamp) to defer payment or pay in installments. The company was registered with the Dutch Authority for the Financial Markets (AFM) under registration number 12012043 and has subsequently wound down its consumer credit activities, with its loan portfolio and related servicing transferred to Wehkamp, Vesting Finance, and Intrum.

Product overview

Tinka was a single-purpose BNPL (Buy Now, Pay Later) platform. The company has ceased operations; its service offerings were taken over by Wehkamp (for customer service and returns/complaints), Vesting Finance (for contract management and debt collection), and Intrum (for outstanding balances). No active products remain.

Differentiator

Problem solved

Functional benefit

Products and services

• Buy Now Pay Later (BNPL) credit service — 'buy now, pay smart' Consumer credit/BNPL facility provided by Tinka B.V. to individual shoppers at partner e-commerce webstores, allowing them to receive goods immediately and pay later or in installments under AFM-supervised credit terms (registration 12012043). Following Tinka's wind-down, the credit portfolio and servicing were transferred to Wehkamp, Vesting Finance, and Intrum.

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record.

• WehkampOthersWehkamp has taken over Tinka's customer service operations for returns and complaints regarding articles purchased through Tinka. Customers with questions about returns or complaints are directed to Wehkamp's customer service.
• Vesting FinanceOthersVesting Finance has taken over the management of Tinka's outstanding customer balances. Customers who received notification from Vesting Finance can log into the customer portal at mijnlening.tinka.nl to view their loan details, current installments, any arrears, and remaining balance. Account activation instructions are available on Vesting Finance's website.
• IntrumOthersIntrum has taken over the management of certain Tinka customer balances. Customers who received notification from Intrum will receive information about Intrum's portal and payment link for outstanding amounts or installments from Intrum directly.

Recent moves4 records

Expansion highlights1 record

Market position

Competitive moat3 records

Key risks5 records

Key highlights4 records

Customer concentration

• Facebookfacebook.com/tinkafinance

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 Tinka