SolidBriQ
SolidBriQ is a Dutch private mortgage lender, founded in 2020 in Tilburg, that provides property-centric financing exclusively to professional real estate investors across the Netherlands through a network of 90+ certified financial advisors.
- Company typePrivate
- Founded2020
- HeadquartersTilburg, Netherlands
- Headcount11–50
- GTM typeB2B
- OfferingServices
What SolidBriQ does
SolidBriQ is a Netherlands-based specialist mortgage lender, founded in 2020 and headquartered in Tilburg, that finances residential and commercial real estate exclusively for professional investors rather than owner-occupiers. The company underwrites on the quality of the property (collateral-centric) rather than borrower income, allowing LTVs up to 85% on residential rental and up to 65% on commercial real estate, with up to 100% interest-only options on commercial loans up to 55% LTV. Its product set spans the BasiQ Hypotheek (standard residential rental), ClassiQ Hypotheek with sub-products Uitpondfinanciering and Handelsfinanciering (portfolio exit and trading/fix-and-flip strategies respectively), and GeneriQ Hypotheek (commercial real estate). Differentiated features include the Solid-BreaQ Rente (a hybrid 5- or 7-year certain rate with the option to switch to a lower rate after 3 years), a 90-day interest rate guarantee, a Doorverkoopregeling (pass-through arrangement for transferring favorable rates between private and business ownership), a construction depot for renovation and transformation projects, and a "Meer Lenen Optie" allowing rate discounts to be financed into the mortgage.
The proprietary technology stack centers on an internal valuation model that can establish property values from market data without requiring a fresh external appraisal (saving existing customers time and cost), an internal underwriting system supporting rapid digital decisions, and a 24/7 customer portal (sam.solidbriq.nl) for existing clients. Distribution is structurally indirect: SolidBriQ does not accept direct applications and goes to market solely through a network of 90+ certified financial advisors (adviseurs) and approved appraisers (taxateurs) across the Netherlands, including Credion, Eijgen Finance, Financieringsgilde, HypothekenUnie, Cushman & Wakefield, CBRE, MVGM, and Ten Hag, supplemented by a strategic December 2024 partnership with landlord association Vastgoed Belang that grants exclusive member rate discounts.
The revenue model combines recurring mortgage interest income (variable rates based on 1-month Euribor plus spread, tiered by LTV and property type) with episodic loan-restructuring fees, construction depot fees (€500 for renovation, €750 for transformation, plus €500 per inspection), and unit pricing for niche offerings such as garage-box financing at €350 per unit. Customer segments include professional residential landlords, commercial real estate investors, fix-and-flip traders, and property transformers addressing Dutch housing shortages (e.g., conversion of offices to residential). The company is privately held by its founders - Jeroen Walhout (CEO), Frank Hermens, Gerard Schalk, and the retired Calvin Davies - with no disclosed institutional investors or parent company.
SolidBriQ firmographics
Firmographics- Name
- SolidBriQ
- Legal name
- SolidBriQ
- Website
- https://solidbriq.nl
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- SolidBriQ is a Dutch private mortgage lender, founded in 2020 in Tilburg, that provides property-centric financing exclusively to professional real estate investors across the Netherlands through a network of 90+ certified financial advisors.
- Ownership category
- akta.pro rank
SolidBriQ industry classification
Industry- Product category
- Real Estate Financing
- NAICS
- Real Estate Credit (522292)
- SIC
- Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH)
- akta.pro secondary industries
- Real Assets — Real Estate Debt (Whole Loans, Mezzanine, CMBS/CLO) (FSAHAIAB), Hard Money / Private Mortgage Brokers (FSALABAH)
Keywords
Where SolidBriQ is headquartered
LocationHeadquarters
- HQ city
- Tilburg
- HQ country
- Netherlands
- HQ region
- Europe
Offices1 record
Markets served
SolidBriQ business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Mortgage Interest Income: SolidBriQ generates revenue through interest payments on its mortgage products (BasiQ, ClassiQ, and GeneriQ). The company offers financing for residential rental properties, fix-and-flip projects, and commercial real estate with interest rates varying based on LTV and property type.
- Loan Restructuring Fees: Fees for loan modifications, early repayments, and switching利率 periods. The company charges processing fees and potential penalties for early repayment based on fixed schedules.
- Construction Depot Fees: One-time fees for construction depot accounts used for renovation and transformation projects. €500 for renovation, €750 for transformation, plus €500 per inspection.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Monthly | Variable Interest Rates for Residential (BTL) |
| Usage-based | Monthly | Variable Interest Rates for Commercial Real Estate (CRE) |
| Subscription | Monthly | BasiQ Mortgage (Residential) |
| Subscription | Monthly | ClassiQ Mortgage (Fix & Flip / Exit) |
| Subscription | Monthly | GeneriQ Mortgage (Commercial) |
| Subscription | Annual | Solid-BreaQ Rate |
| Unit Pricing | One time/ perpetual license | Garage Box Financing |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
SolidBriQ product offering
Product offeringCore offering
SolidBriQ provides mortgage financing for professional real estate investors in the Netherlands, covering residential rental properties, fix-and-flip projects, and commercial real estate. The company focuses on property quality rather than borrower income, offering high LTV financing (up to 85% for residential, 65% for commercial), flexible repayment structures, and a unique hybrid Solid-BreaQ interest rate product. Distribution is exclusively through a network of 90+ certified financial advisors and approved appraisers.
Product overview
SolidBriQ is a Dutch real estate financier offering a portfolio of specialized mortgage products for residential and commercial property investors. The core product line includes three main mortgage types: BasiQ Hypotheek for standard residential rental financing, ClassiQ Hypotheek (with Uitpondfinanciering and Handelsfinanciering sub-products) for flexible exit and trading strategies, and GeneriQ Hypotheek for commercial real estate. Additional value-added services include the Solid-BreaQ Rente (unique rate product with flexibility and security), SolidBriQ Overstap Service for switching from other lenders, and specialized financing options for transformation projects, renovation/deconstruction, student housing, short/long-stay rentals, and housing for labor migrants and expats. The company focuses exclusively on professional investors and businesses, not consumers.
Differentiator
Problem solved
Functional benefit
Brands
- BasiQ Hypotheek: Mortgage product for financing rented residential real estate, ideal for landlords buying property to rent out, including combination properties.
- ClassiQ Hypotheek
- GeneriQ Hypotheek
- Solid-BreaQ Rente
Products and services
- BasiQ Hypotheek Mortgage product for financing rented residential real estate, including combination properties. Designed for real estate investors purchasing property to rent out, with financing up to 85% of market value and competitive interest rates with clear terms.
- ClassiQ Hypotheek Flexible mortgage product for investors engaged in rented residential real estate with a fix-and-flip strategy or exit strategy. Offers more flexibility than BasiQ Hypotheek with 100% repayment-free options and no exit fees or anti-speculation penalties.
- ClassiQ Uitpondfinanciering Specialized exit financing for real estate investors purchasing a portfolio and planning to sell units as tenants depart. Maximum flexibility with no penalties on sale, 100% interest-only options, and flexible terms up to 30 years.
- ClassiQ Handelsfinanciering Trading financing for real estate investors who purchase properties or portfolios with the intention of renovating and reselling. Offers flexibility with no exit fees, construction deposit for renovation costs, and ability to use higher vacancy value in some cases.
- GeneriQ Hypotheek Commercial real estate financing product for commercial buildings, retail spaces, offices, hotels, restaurants, warehouses, and residential complexes. Offers financing up to 65% LTV with 100% interest-only options up to 55% LTV, available throughout the Netherlands.
- SolidBriQ Overstap Service Switching service enabling easy and cost-effective transfer of rented residential property (BTL) mortgages from other lenders to SolidBriQ. SolidBriQ covers appraisal, notary, and financial advisor costs with attractive compensation rates.
- Solid-BreaQ Rente Unique hybrid interest rate product combining flexibility of short-term rates with security of long-term rates. Offers 5 or 7 years certainty with flexibility in the last 2 years to switch to potentially lower rates without cost.
Quantifiable outcome
- Financing up to 85% of market value for residential rental properties
- +4 more outcomes
Companies that use SolidBriQ
Customer profileSegments4 records
Ideal customer profiles3 records
SolidBriQ technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
SolidBriQ partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- Vastgoed BelangcoreStrategic partnership providing Vastgoed Belang members with exclusive interest rate discounts on new financings. Members receive 0.10% annual rate discount plus €350 one-time fee waiver, or alternatively 0.20% annual discount with no waiver. This partnership serves as a key customer acquisition channel targeting the professional real estate investor community.
- Network of Financial Advisors (Adviseurs)coreOver 90 certified financial advisors throughout the Netherlands form the primary distribution channel. Advisors include major networks such as Credion, Eijgen Finance, Financieringsgilde, HypothekenUnie, De Hypotheekshop, and independent advisors. These advisors are trained on SolidBriQ products and facilitate customer applications.
- Network of Approved Appraisers (Taxateurs)coreSelect network of appraisers who are familiar with SolidBriQ guidelines, use standardized formats, and follow consistent calculation methodologies. Includes major firms like Cushman & Wakefield, CBRE, MVGM, Ten Hag, and regional specialists. Portfolio appraisals available for 10+ properties.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
SolidBriQ competitors and assessment
Company assessmentDirect peers
- RNHB: RNHB is a Dutch private specialist lender focused on buy-to-let mortgages for professional real estate investors. It is the closest direct peer to SolidBriQ, sharing the same property-centric underwriting philosophy, investor target segment, and Dutch BTL distribution model.
- MUNT Hypotheken: MUNT Hypotheken is a Dutch non-bank mortgage originator offering residential mortgages via the advisor channel. While less BTL-focused than SolidBriQ, it shares the Dutch non-bank lender model, advisor distribution, and target customer of professional borrowers and investors.
- Hypotrust: Hypotrust is a Dutch mortgage originator and servicer offering residential mortgages through independent advisors in the Netherlands. It competes for advisor mindshare and originations in the same Dutch non-bank mortgage market that SolidBriQ serves.
- Venn Hypotheken: Venn Hypotheken is a Dutch non-bank mortgage lender serving professional borrowers and investors via the advisor channel. It shares SolidBriQ's intermediated distribution model and Dutch non-bank mortgage positioning.
- DMFCO: DMFCO is a Dutch mortgage funding and origination platform operating in the non-bank mortgage market. It is comparable to SolidBriQ as a Dutch non-bank mortgage originator targeting investor and professional borrower segments.
Broad incumbents
- NIBC Bank: NIBC is a Dutch specialty bank with a dedicated Real Estate Finance franchise serving professional investors across the Netherlands. It is broader than SolidBriQ (commercial banking, savings, mortgages) but overlaps directly on BTL and commercial real estate lending for the same investor base.
- Rabobank: Rabobank is the largest Dutch cooperative bank with a dedicated commercial real estate finance franchise and historical deep ties to the Dutch real estate investor market. It is a broad incumbent whose lending criteria and BTL products shape the gap SolidBriQ fills for non-conforming professional investors.
Others
- Stater: Stater is a major Dutch mortgage services and technology provider offering origination, servicing, and technology infrastructure to lenders and investors. It is adjacent to SolidBriQ rather than a direct competitor, as SolidBriQ originates and holds loans in-house, but both operate in the Dutch mortgage ecosystem.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
SolidBriQ social profiles
Digital presenceSolidBriQ financial estimates
Financial estimateRevenue estimate
Valuation estimate
SolidBriQ leadership team
Management profileNumber of profiles
Profiles3 records
SolidBriQ funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
SolidBriQ M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about SolidBriQ
What does SolidBriQ do?
SolidBriQ provides mortgage financing for professional real estate investors in the Netherlands, covering residential rental properties, fix-and-flip projects, and commercial real estate. The company focuses on property quality rather than borrower income, offering high LTV financing (up to 85% for residential, 65% for commercial), flexible repayment structures, and a unique hybrid Solid-BreaQ interest rate product. Distribution is exclusively through a network of 90+ certified financial advisors and approved appraisers.
Is SolidBriQ a public or private company?
SolidBriQ is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was SolidBriQ founded?
SolidBriQ was founded in 2020. It employs 11 to 50 people.
Where is SolidBriQ based?
SolidBriQ is headquartered in Tilburg, Netherlands, in the Europe region.
How does SolidBriQ make money?
Three revenue lines are on record. Mortgage Interest Income is the primary driver. The others are loan Restructuring Fees and construction Depot Fees.
Who are SolidBriQ's main competitors?
Direct peers on record are RNHB, MUNT Hypotheken, Hypotrust, Venn Hypotheken and DMFCO. Broad incumbents are NIBC Bank and Rabobank. Stater is listed as an others.
Does SolidBriQ have an API?
No public API is recorded for SolidBriQ.
What industry is SolidBriQ in?
SolidBriQ's product category is Real Estate Financing. Its primary akta.pro industry code is FSAEAEAH, Hard Money & Private Mortgage Lending Intermediation, with a secondary code of FSAHAIAB, Real Assets — Real Estate Debt (Whole Loans, Mezzanine, CMBS/CLO). Its NAICS code is 522292 and its SIC code is 6162.