Het Servicekantoor

What Het Servicekantoor does

Het Servicekantoor is an independent financial advisory firm headquartered in Groningen, Netherlands, founded in 1991 and operating with 11 to 50 employees. The firm provides advice and intermediation across mortgages, personal and business insurance, pensions, financial planning, consumer credit, and divorce-related financial guidance, serving three primary customer segments: private individuals, entrepreneurs and SMBs, and medical professionals. Its revenue model combines commissions from insurers and mortgage providers with advisory fees, with all advisory services delivered through qualified advisors via in-office, phone, and home-visit consultations, including evening availability.

The firm's product portfolio is anchored on Hypotheken (mortgage advisory comparing 27+ providers including ING, ABN AMRO, Rabobank, Aegon, ASR, Hypotrust, and Florius) and Verzekeringen (insurance comparison across 65+ insurers using continuously updated comparison software). Two specialized service lines extend the core: Medisch Servicekantoor, which bundles financial advisory with accounting and tax partners for healthcare professionals, and MKB Service, which targets startups and established SMEs with business plans, BV formation, accounting referrals, leasing, insurance, and financing support. Supporting services include pension planning, financial planning, accountant referrals, real estate broker matching, consumer credit guidance, and separation counseling.

Distribution is entirely direct and advisory-led, with no online sales channel; customers book free, no-obligation appointments and are guided through structured multi-step processes by a personal advisor. The firm is owner-operated, with Harald Nanninga as owner and Eelko Kaats and Bert Wassing as co-owners, and is privately held with no disclosed external investors or parent company. Geographic scope is regional, focused on Groningen and Northern Netherlands.

Name

Het Servicekantoor

Legal name

Het Servicekantoor

Website

https://servicekantoor.nl

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

11–50 employees

Short description

Het Servicekantoor is an independent Dutch financial advisory firm in Groningen, founded in 1991, providing mortgage, insurance, pension, and financial planning services to private individuals, SMEs, and medical professionals across Northern Netherlands.

Ownership category

akta.pro rank

Product category

Independent Financial Advisory

NAICS

Insurance Agencies and Brokerages (52421), Portfolio Management and Investment Advice (52394)

SIC

Insurance Agents, Brokers & Service (6411), Loan Brokers (6163)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

Keywords

• Independent financial advisory
• Mortgage advisory services
• Insurance comparison services
• Pension planning advice
• Financial planning services

Headquarters

HQ city

Groningen

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Advisory Services: Independent mortgage advisory comparing all banks and mortgage providers to find best fit. Works on commission basis from providers and/or service fees.
2. Insurance Advisory Services: Independent insurance advisory comparing 65+ insurers using comparison software. Commission-based from insurers and advisory fees.
3. Additional Financial Services: Services including pension advice, financial planning, accountant referrals, consumptive credits, and divorce counseling. Referral fees and advisory service fees.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

Het Servicekantoor is an independent financial advisory bureau that places Dutch consumers and SMEs with mortgage, insurance, pension, and broader financial products across a broad provider network. Its core work is mortgage advisory (comparing 27+ banks and mortgage providers) and insurance advisory (comparing 65+ insurers) delivered through qualified personal advisors using internally maintained comparison software. Adjacent services cover financial planning, pension planning, accountant referrals, real estate broker referrals, consumer credit guidance, and divorce financial guidance, plus a dedicated division (Medisch Servicekantoor) for healthcare professionals.

Product overview

Het Servicekantoor is a financial advisory firm offering mortgage and insurance products alongside specialized services for medical professionals and SMEs. The core offering consists of Hypotheken (mortgage advisory with providers like ING, ABN AMRO, Rabobank) and Verzekeringen (insurance comparing 65+ insurers), supported by specialized Medisch Servicekantoor for healthcare providers and MKB Service for entrepreneurs. Additional services include pension planning, financial planning, accountant referrals, and mortgage/insurance broker matching.

Differentiator

Problem solved

Functional benefit

Products and services

• Hypotheken (Mortgage Advisory) Independent mortgage advisory for home purchase, switching, and refinancing across all major Dutch banks and mortgage providers, finding the best fit and rate for the client's specific situation.
• Particuliere Verzekeringen (Personal Insurance) Independent personal insurance advisory covering auto, home, health, travel, liability, life, and income protection insurance, comparing more than 65 insurers to find optimal coverage.
• Zakelijke Verzekeringen (Business Insurance) Independent business insurance advisory for entrepreneurs and SMEs covering property, liability, business interruption, transport, employee benefits, vehicle, and disability covers.
• Medisch Servicekantoor Specialized division providing financial advisory and insurance for medical specialists (GPs, dentists, physiotherapists, midwives), coordinated with a network of accountants, tax advisors, and the Adviesgroep Medische & Vrije Beroepen.
• MKB Service Holistic advisory for start-ups, restarts, and experienced entrepreneurs covering business plans, BV formation, accounting, leasing, insurance, income provisions, financing, and financial restructuring for mortgage applications.
• Verzekeringen voor Medici Specialized insurance package for medical professionals covering professional liability, legal expenses, practice buildings and inventory, business interruption, sickness absence, WGA gap, WIA excess, and cyber risks.
• Pensioenservice (Pension Planning) Pension planning advisory addressing pension gaps and ensuring adequate retirement income through savings, investments, or tax-advantaged life insurance solutions.
• Financiële Planning (Financial Planning) Comprehensive financial planning including personal situation inventory, wishes and goals assessment, and an advice plan to achieve the client's financial objectives.
• Makelaardijservice (Real Estate Broker Referral) Referral and matching service helping clients find the right real estate broker for their specific situation, in coordination with the firm's mortgage advisory.
• Accountant-service Referral service connecting clients to accountants and tax advisors for annual accounts, business restructuring, financing questions, and second opinions, with closer ties to the medical-professionals division.
• Consumptieve Kredieten (Consumer Credit Advisory) Advisory service for consumer loans and credit consolidation, providing guidance on lenders and structuring without directly offering loans.
• Scheidingsbegeleiding (Divorce Financial Guidance) Financial guidance during separation, including advice on the family home, mortgages, and referrals to divorce-mediation experts.

Named customers10 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

13 partnerships are on record, tiered core and strategic.

• MeriuscoreTechnology or IntegrationMortgage provider partner offering various mortgage products through the company's independent advisory service.
• Lloyds BankcoreTechnology or IntegrationInternational bank offering mortgage products through the company's advisory network.
• INGcoreTechnology or IntegrationMajor Dutch bank providing mortgage products recommended to customers.
• RabobankcoreTechnology or IntegrationCooperative bank partner offering mortgage solutions.
• ABN AMROcoreTechnology or IntegrationDutch bank providing mortgage products through independent advisors.
• AegoncoreTechnology or IntegrationInsurance and mortgage provider partner.
• ASRcoreTechnology or IntegrationDutch insurer and mortgage provider in the network.
• HypotrustcoreTechnology or IntegrationMortgage provider specializing in senior mortgages.
• FloriuscoreTechnology or IntegrationMortgage provider offering various mortgage solutions.
• 65+ Insurance ProviderscoreTechnology or IntegrationNetwork of more than 65 insurance companies for comparing personal and business insurance products.
• Van der Meer Accountants & AdviseursstrategicImplementation/ SI/ Consulting PartnerAccounting firm partner working with the company for financial reporting and business restructuring for mortgage applications.
• Adviesgroep Medische & Vrije BeroepenstrategicStrategic or Co-development PartnerAdvisory group for medical professionals that partners with the company for specialized financial services for healthcare providers.
• Accountants and Tax Advisors NetworkstrategicImplementation/ SI/ Consulting PartnerExtensive network of accountants and tax advisors collaborating with the Medisch Servicekantoor division for comprehensive financial services to medical professionals.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Meeùs: Dutch insurance broker offering personal and business insurance advisory. Comparable in insurance brokerage services and independent advisor positioning, though operating at significantly larger scale.
• Aevitae: Dutch insurance intermediary and service provider offering insurance distribution and advisory solutions. Comparable in insurance brokerage/intermediation activities and in serving the Dutch market with similar advisory-driven services.
• Van Bruggen Adviesgroep: Dutch national chain of independent financial advisors offering mortgage, insurance, and pension advisory through a franchise model. Most directly comparable to Het Servicekantoor in service mix and independent positioning, but operating at significantly greater national scale.
• Hypotheek Visie: National Dutch mortgage broker network offering independent mortgage advice through franchise locations. Comparable in independent-advisor positioning and service scope, with substantially greater geographic coverage than Het Servicekantoor.
• Huis & Hypotheek: Dutch independent mortgage and financial advisor chain operating nationally. Directly comparable in mortgage-brokerage model and target customer base (individuals purchasing homes).
• Driekleur: Dutch independent insurance broker advising on personal and business insurance across multiple carriers. Directly comparable to Het Servicekantoor's insurance advisory business and independent brokerage model.
• De Hypotheekshop: One of the largest Dutch mortgage broker chains, providing independent mortgage advice across a national branch network. Highly comparable to Het Servicekantoor's mortgage advisory business but at substantially greater scale and brand awareness.

Broad incumbents

• Univé: Dutch cooperative insurer offering insurance and financial advisory services to consumer and SME members. Overlaps with Het Servicekantoor's personal and business insurance advisory but as part of a broader mutual-insurer portfolio.
• Aon Netherlands: Global insurance and risk advisory broker with established Dutch operations serving mid-market and enterprise clients. Comparable in commercial insurance brokerage but with vastly broader scale, international capabilities, and enterprise focus.

Emerging players

• Independer.nl: Major Dutch financial-services comparison and lead-generation platform. Listed as a partner channel for Het Servicekantoor but also a partial substitute for simple product purchases — a digital channel that could reduce reliance on human advisors.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/Servicekantoor
• LinkedInlinkedin.com/company/het-servicekantoor

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 Het Servicekantoor