3B Adviseurs & Accountants

What 3B Adviseurs & Accountants does

3B Adviseurs & Accountants is a privately held Dutch accounting, tax, and business-advisory firm founded in 2012 through the merger of several small-scale regional offices and built around three brand pillars — Betrokken (Involved), Betrouwbaar (Reliable), Betaalbaar (Affordable). The firm exclusively serves the Dutch MKB/SMB entrepreneur segment, with packaged offerings tiered by client size: 3B ZZP for sole proprietors at €190/month, 3B DGA for director-major shareholders at €290/month, 3B Klein for small companies without payroll at €450/month, and 3B Op Maat (custom) from €610/month, with payroll processing billed at €16.50 per payslip on top. Service delivery combines a five-office physical footprint (Uden headquarters, Eindhoven, Nijmegen, Den Bosch, Schaijk) plus a wholly-owned Curaçao branch with a digital-first workflow: an in-house 3B Management Dashboard provides real-time financial reporting, consolidated views, budget vs. actuals, liquidity forecasting and KPI monitoring; automatic bank-feed integrations and document scanning streamline bookkeeping; and a client portal, payroll portal (Mijn Loondossier), and TeamViewer-based remote support complete the stack.

The firm's revenue model is a hybrid of recurring subscription fees for ongoing compliance and advisory work, project-based professional services (tax filings, legal administrative work, business coaching, estate planning), and transaction-based intermediation through the 3B Kredietdesk, which connects clients to banks, crowdfunding platforms, alternative lenders and pension funds for business financing. GTM is sales-led and relationship-driven: free introductory advisory meetings (Gratis Adviesgesprek) are the primary top-of-funnel mechanism, supported by sector-specific content pages covering twelve verticals (wholesale, retail food/non-food, industry & construction, business services, ZZP, starters, non-profit, healthcare, hospitality & recreation, transport, webshop/e-commerce), client testimonials, and referrals. Tech stack is intentionally lean and third-party: VISMA Accountview for professional accounting software, SnelStart for SMB online bookkeeping (including training courses), with remote collaboration handled through TeamViewer.

Ownership is private and partner-led, with named partners including Frank Robben and Drs. Alfons van Geest RA, COO Femke Robben doubling as Data Protection Officer, and no disclosed venture capital, private equity, or external institutional investment. Management team lists ~22–25 named professionals across partner, RA/AA accountant, assistent-accountant, salary administration, fiscal/tax, application/workflow management and receptionist roles. There is no public listing, no funding rounds recorded, no patents, no regulatory actions, and no M&A activity beyond the founding merger; geographic footprint is limited to the Netherlands and Curaçao with stated primary markets in North Brabant and Gelderland.

Name

3B Adviseurs & Accountants

Legal name

3B Adviseurs & Accountants

Website

https://3badviseurs.nl

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

11–50 employees

Short description

3B Adviseurs & Accountants is a privately held Dutch accounting, tax, and business-advisory firm serving MKB/SMB entrepreneurs across twelve industry verticals through subscription-based fixed-fee packages (€190–€610/month) and a digital-first cloud dashboard, distributed via five Dutch offices and a Curaçao branch.

Ownership category

akta.pro rank

Headquarters

HQ city

Uden

HQ country

Netherlands

HQ region

Europe

Offices5 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Recurring Subscription Services: Fixed monthly subscription fees for ongoing accounting, tax, and advisory services. Pricing tiers include ZZP (€190/month), DGA (€290/month), Klein (€450/month), and Op Maat (€610/month). Payroll processing charged at €16.50 per payslip.
2. Professional Services: Advisory and consulting engagements including business financing facilitation through the 3B Kredietdesk, business coaching, tax filing, legal administrative work, and estate planning.
3. Financial Intermediation / Credit Desk: Facilitation and intermediation fees for business financing, crowdfunding, factoring, and leasing arranged through the 3B Kredietdesk network of lenders and investors.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

3B Adviseurs & Accountants is a Dutch financial services firm that provides subscription-based accountancy, tax advisory, bookkeeping, payroll administration, and business advisory services to Dutch MKB entrepreneurs. The firm sells fixed-price monthly packages (3B ZZP, 3B DGA, 3B Klein, 3B Op Maat) that bundle VAT filing, income/corporate tax filing, annual accounts, real-time dashboard reporting, and a dedicated personal business coach. Complementary offerings include 3B Kredietdesk business financing intermediation and 3B Financial Lifestyle Planning that combines personal wealth planning with business advisory.

Differentiator

Problem solved

Functional benefit

Products and services

• 3B ZZP Monthly subscription package for Dutch self-employed entrepreneurs (ZZP-ers) and freelancers, including bookkeeping, VAT filing, income tax filing, real-time dashboard reporting, unlimited email and phone support, and a dedicated personal business coach.
• 3B DGA Monthly subscription package for director-major shareholders (DGA) of small BVs, including bookkeeping, VAT filing, income tax filing, annual accounts, KvK publication documents, corporate tax filing, payroll for 1 DGA, real-time dashboard reporting, unlimited contact, and a personal business coach.
• 3B Klein Monthly subscription package for small companies without payroll, including bookkeeping, VAT filing, income tax filing, annual accounts, KvK publication documents, corporate tax filing, real-time dashboard reporting, unlimited contact, and a personal business coach.
• 3B Op Maat Custom-tailored monthly subscription package including bookkeeping, VAT filing, income tax filing, annual accounts, KvK publication documents, corporate tax filing, real-time dashboard reporting, unlimited contact, and a personal business coach, with payroll administration at €16.50 per payslip.
• 3B Kredietdesk (Financing Desk) Financing intermediation service arranging business financing through a network of banks, crowdfunding platforms (up to €2.5 million), alternative lenders, factoring, leasing, and subordinate debt providers for Dutch MKB clients.
• 3B Financial Lifestyle Planning Integrated personal financial planning service combining life planning, income planning, wealth planning, and estate planning using dedicated scenario-planning software for business owners.
• Payroll Administration Services Salary and wage administration including payslip processing at €16.50 per payslip via the Mijn Loondossier online portal, plus pension fund coordination across various industry schemes.
• Tax Advisory and Filing Services Tax advisory and filing services covering VAT (BTW), income tax (IB), and corporate tax (VPB) declarations for Dutch entrepreneurs and small companies.
• Business Advisory and Coaching Personal business coaching and strategic advisory delivered through a dedicated business coach as the single point of contact for each client, covering business plan development, registration, sector guidance, and proactive advice.

Quantifiable outcome

• Financial statements within 2 weeks
• +3 more outcomes

Named customers6 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature3 records

Partnerships

One partnership is on record.

• Insurance Funds / Pension FundsminorOthersManages pension fund contacts and contributions for clients across various industry pension schemes.

Scale indicators2 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Flynth: Flynth is one of the largest Dutch accounting and advisory firms focused exclusively on the MKB/SMB market, offering bookkeeping, tax, and business advisory with regional offices across the Netherlands. It is the most directly comparable peer in terms of customer segment (Dutch SMB), service mix, and multi-office regional distribution model.
• Accon avm: Accon avm is a Dutch accounting, tax, and advisory firm serving MKB entrepreneurs and director-shareholders (DGA) with a multi-office regional model. It competes head-to-head with 3B for the same ZZP, DGA, and small BV customer segments across the Netherlands.
• Countus: Countus is a Dutch accounting and advisory firm focused on agricultural, SME, and MKB clients with sector-specific expertise and regional offices. The comparable profile to 3B includes MKB focus, sector specialization, multi-office regional distribution, and bundled subscription-style service offerings.
• De Jong & Laan: De Jong & Laan is a Dutch accounting and advisory firm serving MKB and larger family businesses, with offices across the Netherlands. Its MKB advisory focus, multi-office presence, and integrated tax/accountancy/business advisory offering directly overlap with 3B's value proposition.
• HLB Blömer: HLB Blömer is a Dutch MKB accounting and advisory firm with multiple regional offices in the southern Netherlands, offering bookkeeping, tax, payroll, and business advisory. The geographic and service overlap with 3B is particularly strong, including proximity to several of 3B's office locations.

Broad incumbents

• BDO Netherlands: BDO is one of the largest global accounting networks with a substantial Dutch MKB practice. While much larger and offering broader advisory/audit services, BDO Netherlands competes with 3B for the same SMB client base and offers an alternative for clients outgrowing regional firms.
• Meijburg & Co (KPMG): Meijburg is KPMG's Dutch tax advisory practice serving mid-market and larger MKB clients. As a Big-Four affiliate, it competes with 3B for upper-tier MKB and DGA clients needing more sophisticated tax planning and corporate advisory.
• EY (Ernst & Young) Netherlands: EY is a Big Four firm with a Dutch practice serving mid-market and large MKB clients with audit, tax, and advisory services. It is an upstream incumbent competitor for larger 3B clients as they grow beyond regional firm capabilities.

Emerging players

• Moneybird: Moneybird is a Dutch online accounting and invoicing platform for ZZP and small businesses. As a digital-native player, it represents a disruptive alternative to traditional bookkeeping relationships and competes with 3B's ZZP tier for the same self-employed customer segment.
• Tellow: Tellow is a Dutch fintech offering AI-powered bookkeeping and accounting software aimed at entrepreneurs and SMBs. It overlaps with 3B on automation of bookkeeping work and represents the SaaS-native competitive threat to the lower-tier subscription packages.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/3B-adviseurs-accountants-149891361832450

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

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 3B Adviseurs & Accountants