Veldsink Advies

What Veldsink Advies does

Veldsink Advies is a privately held, family-owned Dutch financial advisory firm headquartered in Ravenstein, Netherlands, founded in 1979. The company operates a network of 84 locally branded branch offices distributed across the Netherlands, providing independent financial advice to private individuals and small/medium-sized businesses. Its core service lines are mortgages (hypotheken), insurance (verzekeringen, spanning home, vehicle, travel, health, liability, and funeral cover), pension advisory, banking and savings, and consumer lending, with a dedicated pension sub-brand (Veldsink Pensioen) operating in five cities. The company positions itself as an independent intermediary, systematically comparing approximately 30 mortgage providers and 25 insurance providers per engagement to recommend products based on customer needs rather than tied-provider relationships.

The business is built on a hybrid physical/digital distribution model. The primary customer-acquisition and service channel is the local branch network, supplemented by home visits from advisors and supported by a centralized Veldsink organization providing back-office and brand functions. Digital self-service tools extend the offering to existing customers and include the Hypotheek portaal (financieeladvies.veldsink.nl) for mortgage management, the PolisApp-based Schade melden portal for claims reporting, Veldsink Financiële Foto for an overview of the customer's overall financial position, and Veldsink Levensplan for life-stage financial planning. Marketing is conducted through the company website, third-party review platform Advieskeuze.nl (where Veldsink holds a 9.6/10 rating across 35,978 reviews), email newsletter, and a football-league sponsorship.

Veldsink earns revenue primarily through commissions and transaction fees paid by financial product providers on mortgages, insurance placements, and lending intermediation, with a recurring-advisory component embedded in its ongoing customer relationships. Customer concentration is structurally low given the retail/SMB customer base and multi-provider panel. The company has no disclosed AI/ML capabilities, no public revenue figures, and remains under family ownership.

Name

Veldsink Advies

Legal name

Veldsink Advies

Website

https://veldsink.nl

Company type

Private

Founded year

1979

Operating status

Operating

Headcount range

101–250 employees

Short description

Veldsink Advies is a family-owned Dutch financial advisory firm operating 84 local branches across the Netherlands. It provides independent mortgage, insurance, pension, savings, and lending advisory to private individuals and SMBs, comparing ~30 mortgage and ~25 insurance providers per engagement.

Ownership category

akta.pro rank

Headquarters

HQ city

Ravenstein

HQ country

Netherlands

HQ region

Europe

Offices83 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Financial Advisory Services: Veldsink Advies provides independent financial advisory services to private individuals and businesses, earning commissions from financial product providers. The company researches and recommends products from multiple providers based on customer needs.
2. Insurance Products: The company facilitates insurance products including home, car, travel, health, and other personal insurance lines, earning commissions from insurance providers. For auto insurance, they research approximately 25 providers to find optimal coverage and premium ratios.
3. Mortgage Services: Veldsink Advies provides mortgage advisory and placement services, working with approximately 30 mortgage providers to find the best mortgage solutions for customers.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Veldsink Advies is an independent financial advisory network that researches, compares, and arranges mortgages, insurance, pensions, banking/savings, and lending products through 84 local branches across the Netherlands. The firm serves both private individuals and businesses, with separate tailored offerings, and earns commissions from financial product providers plus advisory fees.

Product overview

Veldsink Advies is a network of 84 independent financial advisory offices across the Netherlands, offering a comprehensive suite of financial services. The core offering consists of mortgage advisory (hypotheken), insurance products (verzekeringen), pension planning, banking/savings, and lending services. The company positions itself as an independent advisor, researching multiple providers (approximately 25 for insurance, 30 for mortgages) to find optimal solutions. Key named services include Veldsink Financiële Foto (financial snapshot) and Veldsink Levensplan (life plan). Digital services include a mortgage portal and online claim reporting through PolisApp. The company operates under a multi-location franchise model with local advisors supported by the central Veldsink organization.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgage advisory and arrangement (Hypotheken) Independent advisory and arrangement of mortgage solutions for private individuals and businesses. Veldsink compares approximately 30 mortgage providers in the Dutch market to recommend a tailored mortgage per client situation.
• Insurance brokerage (Verzekeringen) Independent brokerage of insurance products across multiple lines, including auto, home, liability, travel, legal aid, accident, funeral, mobile, bicycle, boat, animal, and health insurance. Veldsink researches across approximately 25+ insurance providers to recommend appropriate coverage for each client.
• Pension advisory (Pensioen) Pension advisory for the self-employed, employed individuals, and employers. Veldsink provides independent pension advice and arrangement of pension solutions across the Dutch market.
• Banking and savings advisory (Betalen en sparen) Advisory and arrangement of banking and savings solutions, including a strategic partnership with ASN Bank for the "Sparen zonder zorgen" (savings without worries) savings product. Targeted at private and business clients seeking independent savings and banking advice.
• Lending advisory (Geld lenen) Advisory on lending arrangements for private and business clients, including selection and arrangement of credit products appropriate to the client's situation.
• Goed voor Elkaar (comprehensive insurance package) A comprehensive insurance package from Veldsink Advies that bundles multiple personal insurance lines for households, providing coordinated coverage under a single advisory arrangement.
• Veldsink Financiële Foto (financial snapshot) A financial snapshot service from Veldsink Advies that provides clients with an overview of their personal financial position across mortgages, insurance, pensions, savings, and lending.
• Veldsink Levensplan (life plan) A life plan service from Veldsink Advies that helps clients plan for major life events and align their financial products accordingly.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Three partnerships are on record, tiered minor and core.

• Keuken Kampioen DivisieminorGTM or Marketing Partner · 28 April 2026Veldsink Advies is an official partner of the Keuken Kampioen Divisie (football league division), providing marketing and brand visibility for the company.
• ASN BankcoreStrategic or Co-development PartnerVeldsink Advies works in partnership with ASN Bank, offering customers ASN Bank's banking products and services through the Veldsink network.
• ADFIZminorOthersADFIZ is the Dutch trade association for independent financial advisors. Veldsink Advies is a member of ADFIZ.

Scale indicators5 records

Recent moves5 records

Expansion highlights4 records

Emerging players

• Independer.nl: Dutch online comparison platform for insurance, mortgages, and financial products. Represents the digital-first channel that competes with Veldsink's intermediation value proposition, especially on standard insurance and mortgage products.
• Pricewise: Dutch comparison and switching service for energy, insurance, and financial products. Comparable as a low-cost alternative to traditional advisory for routine insurance switching decisions.

Broad incumbents

• Aon Netherlands: Global insurance broker with a substantial Dutch operation serving commercial and personal lines. Comparable in the insurance brokerage and risk advisory space, though at a much larger scale and broader portfolio than Veldsink.
• Aegon Netherlands: Major Dutch life, pension, and non-life insurer with broad distribution. Competes with Veldsink in pensions and life insurance advisory, particularly through direct and bank channels.
• Allianz Netherlands: Large Dutch insurer distributing through tied agents and broker channels. Veldsink accesses Allianz products as one of its ~25 insurance providers; comparable as a counterparty in the insurance value chain.
• FBTO: Direct-to-consumer Dutch insurer (Achmea subsidiary) selling home, auto, and travel insurance online. Competes with Veldsink's Verzekeringen advisory by enabling customers to self-serve standard P&C coverage.
• Marsh Netherlands: Major international insurance broker and risk advisor operating in the Netherlands. Overlaps with Veldsink's Zakelijk (business) advisory services, particularly around commercial insurance and risk management.

Direct peers

• De Hypotheker: Largest Dutch independent mortgage advisory chain with a comparable franchise/branch model. Operates ~200 locations offering independent mortgage advice across multiple providers, directly competing with Veldsink's Hypotheken proposition.
• Nedasco: Dutch intermediary and financial services platform providing insurance, mortgage, and pension products through affiliated advisors. Closely comparable in business model and product breadth to Veldsink's advisory network.

Regional players

• DSW Zorgverzekering: Dutch regional health insurer operating primarily in the Randstad area. Comparable as a Dutch personal-lines insurance provider that Veldsink customers may select during the annual zorgverzekering switching season.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/veldsinkadvies

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Veldsink Advies