Oversluiten

What Oversluiten does

Oversluiten (legal name Oversluiten.nl) is an independent Dutch financial advisory and brokerage firm headquartered in Eindhoven, Netherlands, founded in 1995. The company serves Dutch consumers across three core product lines: mortgages (hypotheken), personal and business loans (leningen), and insurance (verzekeringen). Within mortgages it offers purchase, refinancing, equity withdrawal, sustainability upgrades, starter, second, and senior mortgage variants; in loans it provides personal, business, joint, and debt-consolidation advisory; and in insurance it covers auto, home, travel, liability, motor vehicle, and health coverage. A proprietary service module, the KoopKlaar-traject (launched 2026), extends the offering into guided home-buying preparation for first-time buyers, including financial scanning, dossier preparation, and a KoopKlaar Certificaat to strengthen bidding position.

The underlying technology is a web-based advisory platform comprising the Oversluiten.nl marketing site, interactive online calculators (maximum mortgage, home equity, loan amount), and a customer portal (Mijn Oversluiten at klantportaal.oversluiten.nl) for existing client account management. The platform compares 50+ Dutch lenders and insurers — including ING, Rabobank, ABN AMRO, NN, Achmea, A.S.R., ASN, NIBC, Allianz, and Centraal Beheer — to source optimal rates and terms. There is no public API, SDK, or AI/ML system disclosed; differentiation rests on provider breadth, advisor relationships, and 20+ years of brand equity (9.5/10 rating from 2,144 reviews; 750+ reviews on Advieskeuze.nl). Regulatory standing is maintained through KIFID registration (300.014219) and the SEH "Erkend Financieel Adviseur" certification.

The business model is commission-based brokerage, with Oversluiten earning transaction fees from lenders and insurers when clients are placed into products. Pricing overlays a "no cure, no pay" structure: initial advice is free and without obligation, and clients pay only if savings are achieved or a product is successfully arranged. Customer acquisition is sales-led and direct-to-consumer, channeled through the website, blog content, customer testimonials, and direct phone/WhatsApp contact, with advisor availability extended into evenings and weekends. The company serves exclusively the Dutch market, targets individual consumers and SMB households (homeowners, first-time buyers, refinancers, insurance seekers, and senior homeowners), and has no disclosed parent company, external investors, or funding rounds.

Name

Oversluiten

Legal name

Oversluiten.nl

Website

https://oversluiten.nl

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

11–50 employees

Short description

Oversluiten is an independent Dutch financial advisory and brokerage firm headquartered in Eindhoven that helps Dutch consumers with mortgages, loans, and insurance by comparing 50+ lenders and insurers under a no-cure-no-pay model. It serves individual homeowners, first-time buyers, and SMB households across the Netherlands.

Ownership category

akta.pro rank

Product category

Financial Advisory & Brokerage

NAICS

Activities Related to Credit Intermediation (5223)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Underwriting Automation & Income/Employment Verification (FSAGAHAD)

Keywords

• Mortgage brokerage services
• Personal loan advisory
• Insurance comparison services
• Financial intermediation
• Home equity advisory

Headquarters

HQ city

Eindhoven

HQ country

Netherlands

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Commission from Lenders and Insurers: Oversluiten acts as an independent broker earning commissions from financial product providers (banks, insurers) when customers take out mortgages, loans, or insurance products through their platform.
2. Advisory and Service Fees: Fees may be charged for financial advisory services, as outlined in their general terms. The company offers various fee structures including hourly rates, fixed fees, subscriptions, or fees included in product costs.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Oversluiten is an independent Dutch financial intermediary that advises and arranges mortgages, personal/business loans, and insurance products on behalf of individual consumers. The firm compares offerings from 50+ banks, lenders, and insurers to identify the best rates and terms, operates on a "no cure no pay" basis, and supplements advisory services with online calculators and a client portal. Its KoopKlaar-traject service specifically prepares first-time buyers financially before house hunting.

Product overview

Oversluiten is an independent financial advisory firm offering a unified brokerage platform spanning three core product lines: mortgages (hypotheken), personal/business loans (leningen), and insurance (verzekeringen). The company operates as a comparison advisor, evaluating 50+ lenders and insurers to find the lowest rate and best terms for each client. Its mortgage offering includes purchase, switch, equity withdrawal, sustainability, starter, second, and senior mortgage variants. Loan products cover personal, business, and joint loans plus loan consolidation and switching services. Insurance products encompass auto, home, travel, liability, motor vehicle, and health coverage. A notable proprietary service is the KoopKlaar-traject, a guided home-buying preparation program that differentiates the firm from pure-play brokers. All services follow a 'no cure no pay' pricing model with free initial advice.

Differentiator

Problem solved

Functional benefit

Products and services

• Hypotheken (Mortgages) Full-range mortgage advisory and brokerage for Dutch consumers covering purchases, refinancing/switching, equity withdrawal, sustainability upgrades, starter, second, and business mortgages. Oversluiten acts as an independent broker comparing 50+ lenders.
• Leningen (Loans) Personal, business, and joint loan advisory and brokerage including loan applications, loan switching to lower-rate alternatives, and consolidating multiple loans into a single manageable payment.
• Verzekeringen (Insurance) Independent insurance advisory covering auto, home, travel, liability, motor vehicle, and health insurance, with comparison across multiple insurers to find optimal coverage and pricing.
• KoopKlaar-traject Guided home-buying preparation service for first-time buyers providing a financial scan, prepared dossier, ongoing advisory during the search, and an optional KoopKlaar Certificaat to strengthen bidding position. No-cure-no-pay pricing.

Quantifiable outcome

• Customer Anneke Vult saves €437 per month by refinancing loans into her mortgage
• +2 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• ING BankcoreGTM or Marketing PartnerFinancial institution whose logo is displayed on Oversluiten's website as one of the 50+ providers they compare for customers seeking mortgages, loans, and insurance products.
• Nationale-Nederlanden (NN)coreGTM or Marketing PartnerMajor Dutch insurance company and pension provider whose logo appears on Oversluiten's partner list for insurance products.
• ASN BankcoreGTM or Marketing PartnerDutch sustainable bank whose logo is shown as one of the financial providers compared by Oversluiten.
• AchmeacoreGTM or Marketing PartnerLarge Dutch insurance conglomerate whose brands (including Centraal Beheer) are represented in Oversluiten's provider network.
• ABN AMROcoreGTM or Marketing PartnerMajor Dutch bank whose logo is displayed as one of the financial providers Oversluiten works with for mortgages and loans.
• RabobankcoreGTM or Marketing PartnerDutch cooperative bank featured in Oversluiten's network of 50+ financial providers.
• NIBCminorGTM or Marketing PartnerDutch merchant bank whose logo appears in the provider comparison network.
• A.S.R.coreGTM or Marketing PartnerDutch insurance company featured in Oversluiten's insurance provider network.
• Ronald McDonald KinderfondsminorOthersOversluiten.nl is a permanent donor to the Ronald McDonald Children's Fund, which provides accommodation near hospitals for families of sick children.
• KIFIDcoreStrategic or Co-development PartnerFinancial Services Complaints Institute (KIFID). Oversluiten is registered under number 300.014219 and adheres to their dispute resolution procedures.

Scale indicators4 records

Recent moves2 records

Expansion highlights5 records

Broad incumbents

• ABN AMRO: ABN AMRO is one of the largest Dutch banks, offering mortgages, personal loans, and insurance products directly. It is both a competitor to brokers like Oversluiten and a provider in Oversluiten's 50+ lender panel.
• Rabobank: Rabobank is a major Dutch cooperative bank with a national branch network offering mortgages, loans, and insurance directly to consumers. It competes for the same Dutch homeowner segment that Oversluiten targets while also being one of its comparison partners.
• NIBC: NIBC is a Dutch merchant bank active in mortgages, lending, and online retail finance (including NIBC Direct). It is comparable to Oversluiten as both a competing originator of Dutch mortgages and a partner lender in Oversluiten's comparison network.
• ING: ING is a major Dutch retail bank offering mortgages, loans, and insurance both directly and through its own advisors. It competes with Oversluiten for Dutch mortgage and insurance customers and is one of the 50+ lenders in Oversluiten's comparison network.
• Nationale-Nederlanden (NN): NN is one of the largest Dutch insurance and pensions providers, selling life, non-life, and health insurance directly and through intermediaries. It is both a competitor for Dutch insurance customers and a key provider within Oversluiten's insurance panel.

Direct peers

• Pricewise: Pricewise is a Dutch comparison platform for insurance, energy, and financial products. It overlaps with Oversluiten's insurance and lending comparison value proposition for Dutch consumers, though via a digital-first rather than advisor-led experience.
• De Hypotheker: De Hypotheker is the largest mortgage broker chain in the Netherlands, offering independent mortgage advice across a national franchise network. It competes directly with Oversluiten on Dutch homeowners seeking purchase, switch, and equity-release mortgages through personal advisory.
• Independer: Independer is a leading Dutch online comparison site for insurance, financial products, and utilities. It competes with Oversluiten for the same Dutch consumer comparison journey, particularly on insurance and lending products, though delivered through a more digital, less advisory-heavy model.
• Hypotheek Visie: Hypotheek Visie is a Dutch independent mortgage and financial advisory franchise. It mirrors Oversluiten's advisor-led, multi-provider mortgage brokerage model and targets the same Dutch homeowner and starter segments.
• Duisenberg: Duisenberg is a Dutch independent financial advisor specializing in mortgages, tax, and pensions for entrepreneurs and consumers. It is directly comparable to Oversluiten in providing independent, advisor-led brokerage across multiple lenders to Dutch consumers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Oversluiten