Consumenten Advies Nederland

What Consumenten Advies Nederland does

Consumenten Advies Nederland is a Dutch financial advisory firm specializing in consumer loan refinancing and consolidation. Founded in 2008 and headquartered in IJsselstein, the company serves Dutch consumers holding expensive personal loans (persoonlijke leningen) or revolving credit (doorlopend krediet) lines, consolidating these into a single lower-interest loan to reduce monthly payments and total interest cost. Its core products are the Herfinancieringsservice (refinancing service) and the Gratis Bespaarcheck (free online savings calculator), the latter being a web-based tool that allows prospective customers to input loan amount, monthly payment, and interest rate to estimate potential savings before committing. The company is regulated by the Dutch Authority for the Financial Markets (AFM registration 12010481) and operates with a four-person advisory team (Marcel, Charissa, Loïs, Jelle) handling customers via phone, email, and scheduled consultations.

The business model is commission-based and free to the customer. Consumenten Advies Nederland does not charge consumers for advice, the savings calculator, or the consolidation process; instead, it earns transaction commissions from lenders when a customer successfully refinances through the company's recommendation. Lead generation is driven by the free bespaarcheck tool on the website, supported by direct phone/email outreach and a content-marketing blog. Distribution is direct (no intermediaries or reseller partners), and the operating geography is limited to the Netherlands. Per company-disclosed scale commentary, 2,000 Dutch consumers were served in 2018 and customers rate the service 9 out of 10; revenue, headcount growth, and current customer volumes are not publicly disclosed.

Name

Consumenten Advies Nederland

Legal name

Consumenten Advies Nederland

Website

https://consumentenadviesnederland.nl

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

11–50 employees

Short description

Consumenten Advies Nederland is a Dutch financial advisory firm that consolidates consumers' expensive personal loans and revolving credit into a single lower-interest loan, earning commissions from lenders for free refinancing services delivered via a web-based savings calculator and a four-person advisor team.

Ownership category

akta.pro rank

Product category

Consumer Lending Advisory

NAICS

Sales Financing (52222)

SIC

Loan Brokers (6163), Personal Credit Institutions (6141)

akta.pro primary industry

Personal Loan Refinance (Rate/Term) (FSAKAIAB)

Keywords

• Loan refinancing services
• Debt consolidation advice
• Consumer financial advisory
• Personal loan advisory
• Savings calculation tools

Headquarters

HQ city

Ijsselstein

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Commission from lenders for refinancing placements: Consumenten Advies Nederland provides its refinancing and loan consolidation services free of charge to customers. The company generates revenue by receiving commissions from lenders or financial institutions when a customer successfully refinances or consolidates their loans through the company's recommendations.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Consumenten Advies Nederland is a Dutch consumer financial advisory firm specializing in refinancing expensive personal loans and revolving credit lines. It consolidates multiple high-interest consumer loans into a single, lower-interest loan and provides a free online savings calculator (Gratis Bespaarcheck) to estimate potential savings. Services are offered free of charge to consumers, with revenue generated via commissions from lenders when loans are refinanced through the company.

Product overview

Consumenten Advies Nederland operates as a loan refinancing specialist offering a unified service centered on consolidating expensive consumer loans (persoonlijke leningen and doorlopend kredieten) into single, lower-rate loans. The core offering combines the Herfinancieringsservice with the Gratis Bespaarcheck tool, which allows customers to calculate potential savings before committing. The company's model is built around free, obligation-free advice and a 'no penalty for switching' policy.

Differentiator

Problem solved

Functional benefit

Products and services

• Herfinancieringsservice (Loan Refinancing Service) Core loan refinancing service that consolidates multiple expensive personal loans (PL) and revolving credit lines (DK) into a single loan with a lower interest rate, enabling Dutch consumers to save on interest costs and achieve a debt-free future. Provided free of charge with no penalty for switching.
• Gratis Bespaarcheck (Free Savings Check) Free web-based calculator that allows Dutch consumers to input loan amount, monthly payment and interest rate to compare interest costs, monthly payments, interest rates, and loan duration between their existing loan and a potential refinancing offer from the company.
• Persoonlijke Lening (Personal Loan)

Quantifiable outcome

• Helped 2,000 Dutch consumers save on their loans and credits in 2018
• +2 more outcomes

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves4 records

Expansion highlights4 records

Direct peers

• Pricewise: Dutch comparison platform for personal finance products including consumer credit and loans. Comparable to CAN in driving Dutch consumer loan comparison and switching decisions online.
• Geld.nl: Dutch online comparison platform that aggregates personal loan and refinancing offers from multiple lenders. Most directly comparable to Consumenten Advies Nederland on consumer loan refinancing in the Netherlands, though it operates as a comparison marketplace rather than an advisory-broker model.
• Findio: Netherlands-based loan comparison and advisory platform helping Dutch consumers compare personal loan offers. Operates in the same Dutch consumer credit refinancing category as CAN.
• Independer: Major Dutch financial comparison site covering loans, mortgages, insurance, and other personal finance products. Overlaps directly with CAN's Dutch consumer loan refinancing focus, with a broader but digital-first model.

Emerging players

• Moneywise: Dutch consumer finance media and comparison brand covering loans, mortgages and banking products. Provides indirect competitive overlap in Dutch consumer refinancing discovery.
• Dijkema Adviesgroep: Smaller Dutch financial advisory firm offering consumer credit and mortgage advice. Comparable regional/niche advisory peer focused on Dutch consumer lending decisions.

Broad incumbents

• Rabobank: Leading Dutch cooperative bank providing consumer loans, mortgages, and related retail financial products. Represents an incumbent direct-to-consumer alternative for the same refinancing use case CAN addresses.
• ING Bank: One of the largest Dutch retail banks, offering persoonlijke leningen and doorlopend krediet products directly. Functions as both a potential lender partner and a direct competitor in consumer refinancing.
• Nationale-Nederlanden: Large Dutch insurance and financial services provider offering a range of consumer financial products. Adjacent incumbent that overlaps on Dutch consumer finance distribution and personal lending capability.
• ABN AMRO: Major Dutch retail and commercial bank offering personal loan and revolving credit products directly to Dutch consumers, including refinancing options that compete with CAN's advisory scope.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• Xx.com/canbv
• Facebookfacebook.com/consumentenadviesnederland
• LinkedInlinkedin.com/company/consumenten-advies-nederland

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Consumenten Advies Nederland