VCN
VCN is a Dutch independent financial service provider offering insurance, mortgage, and credit products to 850+ financial advisor offices across the Netherlands, supported by a proprietary digital extranet and multi-insurer underwriting authority.
- Company typePrivate
- Founded1993
- HeadquartersNuenen, Netherlands
- Headcount51–100
- GTM typeB2B
- OfferingServices
What VCN does
VCN Verzekeringen B.V. is a Dutch independent service provider founded in 1993 and headquartered in Nuenen, Netherlands, operating as part of the Veldsink Groep B.V. holding company. The company serves approximately 850+ financial advisor offices (intermediaries) across the Netherlands through three core divisions: VCN Verzekeringen (insurance), VCN Hypotheken (mortgages), and VCN Kredieten (credit). VCN holds 15 underwriting agencies (volmachten) and 80+ provincial agencies, giving it multi-carrier distribution authority that individual advisors cannot easily replicate. The Goed voor Elkaar insurance proposition has grown to approximately 200,000 active policies.
VCN's technology platform is centered on VEA, a proprietary in-house developed extranet where advisors calculate premiums 24/7, submit insurance applications, process claims, and manage policies across multiple insurers via a single rekening-courant. A complementary digital workspace, VCN Inzicht, aggregates portfolio data, signals, and actionable insights for advisors. Additional proprietary features include a Second Opinion service for mortgage applications, the VCN Partner relationship model, and the Marketing Boulevard content platform. VCN Hypotheken holds ISAE 3402 certification, validating enterprise-grade security and process controls for outsourced mortgage processing.
The business model is B2B2C, monetized through three primary streams: managed-services fees earned as a volmachtbedrijf for insurance underwriting and administration; transaction fees for mortgage intermediation and consumer/SME credit facilitation; and subscription revenue from the Marketing Boulevard content platform. Distribution is exclusively through Dutch financial advisor intermediaries, supported by a commercial team, the self-service VEA extranet, and an extensive content marketing program including the annual VCN Summerschool webinar series, the VJGIDag conference (500+ attendees), and the Kennisbank knowledge resource. The company is family-owned with no external private equity or venture capital investment.
VCN firmographics
Firmographics- Name
- VCN
- Legal name
- VCN Verzekeringen B.V.
- Website
- https://vcn.nl
- Company type
- Private
- Founded year
- 1993
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- VCN is a Dutch independent financial service provider offering insurance, mortgage, and credit products to 850+ financial advisor offices across the Netherlands, supported by a proprietary digital extranet and multi-insurer underwriting authority.
- Ownership category
- akta.pro rank
Where VCN is headquartered
LocationHeadquarters
- HQ city
- Nuenen
- HQ country
- Netherlands
- HQ region
- Europe
Offices9 records
Markets served
VCN business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Service Provider Fees (Insurance): VCN acts as a service provider and volmachtbedrijf (underwriting agent) for multiple insurers, earning fees for processing insurance applications, managing policies, and handling claims on behalf of insurers. The company earns revenue from insurers for accepting risk, issuing policies, and settling claims.
- Mortgage Intermediation Services: VCN Hypotheken provides mortgage intermediation services to advisors, earning revenue from mortgage lenders for processing mortgage applications and providing access to a broad range of lenders.
- Credit/Lending Services: VCN Kredieten provides consumptive credit and business financing intermediation, earning fees for facilitating credit products from lenders.
- Marketing Boulevard Subscriptions: VCN offers premium subscriptions to the Marketing Boulevard platform (Basis and Premium tiers), providing content customization tools for advisors' branding and communications.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Marketing Boulevard Basis Subscription |
| Subscription | Annual | Marketing Boulevard Premium Subscription |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels8 records
VCN product offering
Product offeringCore offering
VCN is a Dutch independent service provider that gives financial advisors access to a comprehensive range of insurance, mortgage, and credit products. Operating through three core divisions (VCN Verzekeringen, VCN Hypotheken, VCN Kredieten) backed by 15 underwriting agencies (volmachten) and 80+ provincial agencies, VCN supports approximately 850+ intermediary offices via its proprietary VEA digital platform, VCN Inzicht work environment, and dedicated commercial teams.
Product overview
VCN is an independent service provider offering a comprehensive portfolio of financial products through three core divisions: VCN Verzekeringen (insurance), VCN Hypotheken (mortgages), and VCN Kredieten (credit). The offering operates as a unified platform-plus-services model where advisors access products through the proprietary VEA extranet digital platform and VCN Inzicht digital work environment. The product portfolio includes the Goed voor Elkaar product line (bundling supplementary mortgage and insurance products like bank guarantees and income analysis), the Second Opinion service for mortgage reviews, the Marketing Boulevard content platform for advisor marketing support, and the Kennisbank knowledge resource with Summerschool educational programs. VCN positions itself as a knowledge partner supporting advisors rather than replacing them, emphasizing that advice remains human work.
Differentiator
Problem solved
Functional benefit
Brands
- Goed voor Elkaar: Product line for insurance and mortgage-related products offering simplicity, quality, and competitive rates
- VCN Inzicht
- VCN Partner
- Marketing Boulevard
- VEA
Products and services
- VCN Verzekeringen
- VCN Hypotheken
- VCN Kredieten
- Goed voor Elkaar
- Second Opinion
- Marketing Boulevard
Quantifiable outcome
- ~850+ intermediary offices served
- +4 more outcomes
Companies that use VCN
Customer profileNamed customers4 records
Segments2 records
Ideal customer profiles2 records
VCN technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
VCN partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered core and minor.
- Nationale WaarborgcoreVCN offers Goed voor Elkaar Bankgarantie in partnership with Nationale Waarborg, providing bank guarantee certificates for homebuyers. Starting April 2026, the partnership also includes BankGarantieZeker, a certificate enabling clients to make offers without financing condition. The fee is €500 with an optional €95 administrative surcharge.
- VIIZcoreVCN Ondernemersdesk provides income analysis and income declarations for entrepreneurs within 48 hours in partnership with VIIZ. This enables advisors to quickly determine client borrowing capacity with virtually all lenders, with or without NHG, and convert to an income declaration for the chosen lender.
- Hypotheek Business Club (HBC)coreVCN partners with Hypotheek Business Club for the annual Summerschool program. The 2026 edition featured 5 webinars with industry experts, PE-point opportunities for advisors, and a charitable component benefiting the Nierstichting (Kidney Foundation).
- Lloyds BankcoreVCN Hypotheken offers the Lloyds Bank Verduurzamingshypotheek (sustainability mortgage) through its hypotheekformules. Available to advisors affiliated with De Financiële Makelaar, Financieel Support Nederland, or United Capital. Maximum loan of €50,000 for NHG-approved energy-saving measures with mortgage interest rate discounts.
- Veldsink Holding / Veldsink AdviescoreVCN is part of the Veldsink Holding group, which also includes Veldsink Advies (intermediary business). VCN has established procedures to separate the responsibilities and decision-making powers of the volmachtbedrijf (VCN) and the intermediated business (Veldsink Advies) to prevent conflicts of interest.
- MoneyouminorVCN provides informational content about Moneyou mortgage products on its knowledge bank, including practical tips for using Moneyou services and case studies.
- NIBCminorVCN's knowledge bank features NIBC as a highlighted mortgage lender with informational content for advisors.
- Vista HypothekenminorVCN's knowledge bank features Vista Hypotheken as a partner lender, with practical tips and case studies for advisors using Vista products.
- MUNT HypothekenminorVCN's knowledge bank features MUNT Hypotheken as a partner lender, with case studies demonstrating their flexible approach to double-burden documentation.
- Venn HypothekenminorVCN's knowledge bank features Venn Hypotheken as a partner lender, with case studies on bridging credit solutions.
- AudITvisioncoreAudITvision served as the IT auditor for VCN Hypotheken's ISAE 3402 certification, conducting thorough classification of work processes and annual controls to ensure outsourced activities meet high standards required by mortgage lenders.
Scale indicators6 records
Recent moves6 records
Expansion highlights5 records
VCN competitors and assessment
Company assessmentDirect peers
- MeesRisicobeheer: MeesRisicobeheer is a Dutch volmachtbedrijf providing insurance products through financial advisors — directly comparable to VCN's underwriting-agency structure.
- Aevitae: Aevitae is a Dutch volmachtbedrijf and service provider that offers insurance and financial products to advisors — directly comparable to VCN's insurance-underwriting model with 15 volmachten and 80+ agencies.
- Dazure: Dazure is a Dutch insurance service provider operating in the volmacht and intermediary channel — comparable to VCN's insurance platform and multi-insurer integration through VEA.
- Tulp Hypotheken: Tulp Hypotheken is a Dutch mortgage service provider giving independent advisors access to multiple lenders through one platform — directly comparable to VCN Hypotheken's mortgage intermediation and Second Opinion service.
- Voogd & Voogd: Voogd & Voogd is a Dutch insurance intermediary group operating volmacht and advisory models serving financial advisors — directly overlapping with VCN's insurance distribution and service-provider proposition.
- Turien & Co Assuradeuren: Turien & Co is a Dutch service provider and volmachtbedrijf offering insurance products to intermediaries — overlapping with VCN Verzekeringen's underwriting-agency and advisor-channel model.
Regional players
- De Hypotheekshop: De Hypotheekshop is a Dutch franchise network of independent mortgage advisors consuming services from providers like VCN — a downstream customer/partner rather than a direct competitor, but adjacent in the advisor-services value chain.
Broad incumbents
- Klaverblad Verzekeringen: Klaverblad is a Dutch insurance company operating its own volmacht model and intermediary channel — an established incumbent with overlapping distribution and product breadth versus VCN's insurance arm.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
VCN social profiles
Digital presenceVCN financial estimates
Financial estimateRevenue estimate
Valuation estimate
VCN leadership team
Management profileNumber of profiles
Profiles5 records
VCN subsidiaries and ownership
Company hierarchySubsidiaries3 records
VCN funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
VCN 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 VCN
What does VCN do?
VCN is a Dutch independent service provider that gives financial advisors access to a comprehensive range of insurance, mortgage, and credit products. Operating through three core divisions (VCN Verzekeringen, VCN Hypotheken, VCN Kredieten) backed by 15 underwriting agencies (volmachten) and 80+ provincial agencies, VCN supports approximately 850+ intermediary offices via its proprietary VEA digital platform, VCN Inzicht work environment, and dedicated commercial teams.
Is VCN a public or private company?
VCN is a private company. It is classified as family owned and is currently operating.
When was VCN founded?
VCN was founded in 1993. It employs 51 to 100 people.
Where is VCN based?
VCN is headquartered in Nuenen, Netherlands, in the Europe region.
How does VCN make money?
Four revenue lines are on record. Service Provider Fees (Insurance) is the primary driver. The others are mortgage Intermediation Services, credit/Lending Services and marketing Boulevard Subscriptions.
Who are VCN's main competitors?
Direct peers on record are MeesRisicobeheer, Aevitae, Dazure, Tulp Hypotheken, Voogd & Voogd and Turien & Co Assuradeuren. De Hypotheekshop is listed as a regional player. Klaverblad Verzekeringen is listed as a broad incumbent.
Does VCN have an API?
No public API is recorded for VCN.