CAK

What CAK does

CAK (Centraal Administratiekantoor) is a Dutch government administrative organization that executes statutory healthcare and social support regulations on behalf of the Ministry of Health, Welfare and Sport (VWS). The organization administers personal contributions under the Wet langdurige zorg (Wlz) and Wet maatschappelijke ondersteuning (Wmo), operates the Regeling onverzekerden (Uninsured Regulation), arranges health insurance coordination for Dutch pensioners and cross-border workers abroad (including EHIC issuance), and reviews/approves Schengen and English-language medication travel declarations. It serves approximately 1.5 million citizens in the Netherlands and EU/EEA treaty countries across six functional segments.

The underlying technology stack consists of a bilingual (Dutch/English) public website (hetcak.nl), an authenticated self-service portal (Mijn CAK) accessed via the national DigiD identity infrastructure, a separate CBHC website for cross-border healthcare information, and operational integrations with SVB (Social Insurance Bank) for Wlz assessments, CJIB (Central Judicial Collection Agency) for fine and premium collection, and Dutch municipalities for Wmo administration. Service delivery combines digital self-service, telephone contact, written correspondence, and walk-in service at the Prinses Beatrixlaan 7 headquarters in The Hague. Recent product enhancements include mandatory DigiD multi-factor authentication (April 2026) and expanded multilingual correspondence settings (November 2025).

CAK does not operate a commercial revenue model. It is funded through Dutch government budgets under VWS oversight, and the financial inflows it administers (such as VOZD contributions of €2,119 per annum for 2026, or healthcare premium arrears payments) are statutory collections, not CAK's own revenue. Customer segments include Wmo and Wlz care recipients, Dutch expatriates in treaty countries, cross-border workers with family members abroad, uninsured residents, and citizens experiencing payment difficulties, the latter being referred to partner resources (Geldfit.nl, Nibud, fiKks app) for financial counseling. CAK holds no patents, trademarks, funding rounds, M&A activity, or disclosed leadership team in the input data, consistent with its character as a mature public-sector execution body.

Name

CAK

Legal name

CAK (Centrale Administratie Kantoor)

Website

https://hetcak.nl

Company type

Public

Founded year

1968

Operating status

Operating

Headcount range

501–1,000 employees

Short description

CAK is a Dutch government administrative agency executing statutory healthcare and social support regulations for the Ministry of Health, Welfare and Sport. It administers long-term care and social support contributions, the Uninsured Regulation, cross-border health insurance, and medication declarations for approximately 1.5 million citizens.

Ownership category

akta.pro rank

Product category

Government Healthcare Administration Services

NAICS

Health and Welfare Funds (525120), Executive, Legislative, and Other General Government Support (921)

SIC

Services-Social Services (8300), Hospital & Medical Service Plans (6324)

akta.pro primary industry

Public Health Policy, Planning & Governance (BPAIAJAB)

akta.pro secondary industries

Healthcare-Linked Social Benefits Administration (e.g., Medicaid/Means-Tested Health Coverage) (BPAIAKAH), Public Health Governance, Interagency Coordination & Partnerships (HLAJAMAD)

Keywords

• Healthcare administration
• Statutory scheme execution
• Personal contribution billing
• Uninsured regulation
• Cross-border health insurance

Headquarters

HQ city

The Hague

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Others

Pricing tiers

Distribution channels4 records

Marketing channels4 records

Core offering

CAK (Centraal Administratiekantoor) is a Dutch government administrative body that executes statutory healthcare and social support schemes on behalf of the Ministry of Health, Welfare and Sport. Its core work includes administering personal contributions for the Wet langdurige zorg (Wlz) and Wet maatschappelijke ondersteuning (Wmo), running the Uninsured Regulation, arranging cross-border health insurance for Dutch pensioners and benefit recipients in treaty countries (including EHIC issuance), reviewing Schengen and English medication travel declarations, and operating the Mijn CAK self-service portal for approximately 1.5 million citizens.

Product overview

CAK (Centraal Administratiekantoor) is a Dutch government administrative body that executes statutory schemes in the area of healthcare and social support on behalf of the government, serving approximately 1.5 million citizens. The portfolio consists primarily of regulatory and administrative services rather than a unified software product. Core offerings include: (1) personal contribution administration for long-term care (Wlz) and social support (Wmo); (2) the Uninsured Regulation, which identifies uninsured residents, issues fines, and takes out mandatory insurance; (3) the Health Insurance Abroad scheme, arranging health coverage for Dutch pensioners, benefit recipients, and cross-border workers in treaty countries, including EHIC issuance and the NCP/CBHC information service; (4) medication travel declaration services (Schengen and English-language) reviewed and approved by CAK; and (5) the Mijn CAK self-service portal providing online access to statements, objections, payments, and profile management. CAK also provides supplementary tools such as an eigen bijdrage calculator, and refers citizens to external financial support tools (Geldfit.nl, fiKks app).

Differentiator

Problem solved

Functional benefit

Products and services

• Mijn CAK Online self-service portal where Dutch citizens can view and manage their CAK affairs, including annual statements, objections, payment arrangements, address changes, and language preferences; authenticated via DigiD.
• Wet maatschappelijke ondersteuning (Wmo) — Eigen bijdrage administratie CAK administers the personal contribution (eigen bijdrage) that citizens pay for social support services received under the Wet maatschappelijke ondersteuning (Wmo).
• Wet langdurige zorg (Wlz) — Eigen bijdrage administratie CAK administers the personal contribution (eigen bijdrage) that citizens pay for long-term care received under the Wet langdurige zorg (Wlz), including billing, payment plans, and exemptions.
• Regeling betalingsachterstand zorgpremie For citizens with payment arrears on health insurance premiums, CAK collects the premiums directly on behalf of the health insurer and manages repayment arrangements.
• Regeling onverzekerden (Uninsured Regulation) CAK identifies and registers uninsured Dutch residents, issues statutory fines, and takes out mandatory health insurance on behalf of those who fail to comply within the prescribed period.
• Zorgverzekering en buitenland (Health Insurance Abroad) CAK arranges and administers health insurance for Dutch pensioners, benefit recipients, and cross-border workers living in treaty countries, including collection of healthcare contributions and EHIC issuance.
• Nationaal Contactpunt voor grensoverschrijdende zorg (NCP/CBHC) National Contact Point for Cross-border Healthcare (NCP/CBHC), a CAK-operated website providing information on how to obtain reimbursement for medical treatment in another EU country under EU Regulation 883/2004.
• Schengen medicijnverklaring (Schengen Medication Statement) CAK reviews and approves Schengen medication declarations required for traveling with medicines subject to the Dutch Opium Act within the Schengen area.
• Engelstalige medicijnverklaring (English Medication Statement) CAK reviews and approves English-language medication declarations for travel to non-Schengen countries, with optional Apostille legalization available.
• European Health Insurance Card (EHIC) EHIC issued by CAK to treaty-entitled persons living in the EU/EEA, UK, or Switzerland, providing access to medically necessary care during temporary stays in other European countries.
• Eigen bijdrage rekenhulp (Contribution Calculator) Online calculator tool enabling citizens to estimate their personal contribution (eigen bijdrage) for Wmo or Wlz care in 2026.
• VOZD (Verplichting Onverzekerden Zorg Details) Voluntary scheme for persons who were unintentionally uninsured for a period and must reimburse healthcare costs; CAK may cover these costs and collects an annual contribution (e.g., €2,119 for 2026) retroactively.
• Kwetsbare plek ontdekt? (Vulnerability Disclosure) CAK's responsible disclosure policy and Hall of Fame for reporting security vulnerabilities in CAK's ICT systems, including a dedicated security contact ([email protected]).

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Seven partnerships are on record, tiered core and minor.

• Geldfit.nl (Stichting Nederlandse Schuldhulproute)coreStrategic or Co-development PartnerGeldfit.nl is an independent foundation providing free and anonymous financial guidance. CAK refers citizens experiencing money difficulties to Geldfit for financial checks, advice, and debt prevention tools. Geldfit is also integrated into CAK's 'potjes-check' tool to help citizens discover which government benefits they may be entitled to. The partnership provides CAK customers with access to free financial counseling and money management support.
• Nibud (Nationaal Instituut voor Budgetvoorlichting)minorStrategic or Co-development PartnerNibud is the National Institute for Budget Information, providing tools and information about financial management. CAK refers citizens to Nibud for guidance on keeping financial records and budget management, particularly for citizens who can barely make ends meet.
• fiKks (Wij Gaan Het Fikksen)minorStrategic or Co-development PartnerfiKks is a free mobile app that connects users with volunteer 'buddies' for anonymous financial guidance and debt management support. CAK refers citizens with money problems to the fiKks app as a free, anonymous tool for addressing financial difficulties step by step.
• SVB (Sociale Verzekeringsbank)coreTechnology or IntegrationSVB is the Dutch Social Insurance Bank that conducts Wlz (Long-Term Care Act) assessments to determine whether individuals are required to have Dutch health insurance. CAK relies on SVB's Wlz assessment results for the uninsured regulation and VOZD scheme. CAK sends Wlz assessment results to Dienst Toeslagen when applicable.
• CJIB (Centraal Justitieel Incassobureau)coreTechnology or IntegrationCJIB is the Central Judicial Collection Agency that handles collection of fines and premium payments for uninsured persons. When CAK enrolls a person in health insurance on their behalf, CJIB sends monthly payment requests if the premium cannot be deducted from income. CAK fines for uninsured persons are also paid via CJIB.
• CBHC / Nationaal Contactpunt voor grensoverschrijdende zorgcoreStrategic or Co-development PartnerCBHC (Cross-Border Health Care) is the National Contact Point for Cross-Border Healthcare in the Netherlands, hosted on the CAK website. It provides information to citizens about obtaining medical treatment reimbursements in other EU countries or for foreign citizens seeking treatment in the Netherlands, operating under EU Regulation 883/2004.
• Dutch Municipalities (Gemeenten)coreStrategic or Co-development PartnerDutch municipalities are key partners for CAK's Wmo (Social Support Act) scheme. Citizens receiving Wmo support pay personal contributions through CAK. CAK also refers citizens with financial difficulties to municipal debt assistance and budget management services.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Dienst Toeslagen: Direct peer — Dutch benefits agency (now part of Belastingdienst) that administers healthcare allowance (zorgtoeslag). Receives Wlz assessment results from SVB routed via CAK; comparable ZBO executing means-tested benefits for citizens.
• Belastingdienst: Direct peer — Dutch Tax Administration, a ZBO under the Ministry of Finance that executes statutory tax collection and administers healthcare-related allowances that interface with CAK's contribution schemes. Operates analogous self-service portals and citizen-interaction channels.
• SVB (Sociale Verzekeringsbank): Direct peer — Dutch ZBO that administers statutory social insurance schemes (including the Wlz assessments CAK relies on). Operates under the same Ministry of VWS framework, executes comparable statutory contribution and benefit flows for Dutch citizens, and is explicitly named as a core data/integration partner of CAK.
• CJIB (Centraal Justitieel Incassobureau): Direct peer — Dutch central fine and premium collection agency under the Ministry of Justice. CAK explicitly funnels collections for uninsured persons to CJIB, making it an operational twin for the recovery arm of health/social administration.
• Duo (Dienst Uitvoering Onderwijs): Direct peer — Dutch Education Execution Agency operating under the same ZBO administrative model as CAK, running DigiD-based self-service portals, processing statutory contributions/loans for millions of Dutch citizens, and reporting execution challenges publicly.
• CIZ (Centrum Indicatiestelling Zorg): Direct peer — independent Dutch body performing Wlz and Wmo needs assessments. Operates upstream of CAK in the same care determination and contribution pipeline and faces comparable regulatory workload from aging Dutch demographics.
• UWV (Uitvoeringsinstituut Werknemersverzekeringen): Direct peer — Dutch government agency administering employee insurance schemes (WW, WIA, ZW) under the Ministry of SZW. Same ZBO operating model as CAK with comparable digital self-service portals, multi-million citizen caseloads, and statutory mandate enforcement.

Broad incumbents

• Zorginstituut Nederland: Broad incumbent — National Health Care Institute, a Dutch government body that manages the basic health insurance package and quality standards. Adjacent regulator within the same MoH/VWS portfolio as CAK.
• NZa (Nederlandse Zorgautoriteit): Broad incumbent — Dutch Healthcare Authority regulating Dutch healthcare markets. Different role (market oversight vs. administration), but operates within the same statutory healthcare framework as CAK and shapes the policy environment CAK implements.

Regional players

• Försäkringskassan (Swedish Social Insurance Agency): Regional peer — Swedish government agency equivalent to CAK + SVB, administering statutory social/health insurance benefits for residents via a national digital portal. Comparable operating model outside the Dutch jurisdiction.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/cak_webcare
• Facebookfacebook.com/509596572467875

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

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 CAK