De Limburgse
De Limburgse nv is a Belgian independent credit broker intermediating mortgage, consumer, refinancing, renovation, energy, and auto loans between Belgian consumers and a panel of partner lenders, delivered via home-visit advisory and a national broker network.
- Company typePrivate
- Founded1964
- HeadquartersGenk, Belgium
- Headcount11–50
- GTM typeB2C
- OfferingServices
What De Limburgse does
De Limburgse nv is a Belgian independent credit broker (onafhankelijke kredietmakelaar) headquartered at Rijksweg 359, Maasmechelen, Belgium. Founded in 1964 in Beringen by a group of six local professionals, the firm has operated continuously for more than 50 years and now intermediates between Belgian consumers and a panel of partner credit providers including Record Bank, CKV, Creafin, CFCAL, Credimo, eLease, and Krefima. The company is registered with the FSMA under enterprise number BE 0401.322.652 and is supervised by Belgium's Financial Services and Markets Authority.
The firm offers six core credit products: home purchase mortgages, budget and refinancing loans, re-borrowing against existing mortgages, energy-efficiency credit, renovation loans, and car loans. There is no proprietary technology platform; the operating model is advisor-mediated, with customers engaging via the company website, phone, or direct contact and then being guided through an in-person advisory process at their home or at the De Limburgse office. The firm also operates as the back-office for a national network of independent credit brokers who refer applications for processing and lender placement.
De Limburgse earns commission from partner lenders for each arranged credit agreement; commission amounts are variable by lender and application, and disclosed to consumers in the European Standardised Information Sheet (ESIS) during the advisory process. The firm is currently owned by Marc Hallaert, who acquired the business in August 2021 after serving as director since 2015, following prior ownership transitions to Jean Pierre Lenskens in 1998 and to Qumulus (Den Haag) in 2015, the latter of which forced the company's shift from credit company to independent broker.
De Limburgse firmographics
Firmographics- Name
- De Limburgse
- Legal name
- De Limburgse nv
- Website
- https://delimburgse.be
- Company type
- Private
- Founded year
- 1964
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- De Limburgse nv is a Belgian independent credit broker intermediating mortgage, consumer, refinancing, renovation, energy, and auto loans between Belgian consumers and a panel of partner lenders, delivered via home-visit advisory and a national broker network.
- Ownership category
- akta.pro rank
Where De Limburgse is headquartered
LocationHeadquarters
- HQ city
- Genk
- HQ country
- Belgium
- HQ region
- Europe
Offices1 record
Markets served
De Limburgse business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D
Revenue model
- Credit intermediation commissions: De Limburgse earns commission for intermediating credit on behalf of consumers. The commission amount is not fixed in advance and depends on multiple parameters specific to each application. The actual commission amount is disclosed later in the ESIS (European Standardised Information Sheet) document provided to consumers. The company analyzes a sufficient number of available credit products on the market and recommends one or more credit agreements based on the consumer's needs, financial situation, and personal circumstances. This is a transactional, fee-per-arranged-loan model.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Commission-based credit intermediation — no fixed public pricing tiers |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels5 records
De Limburgse product offering
Product offeringCore offering
De Limburgse is an independent credit broker that intermediates mortgage credit and consumer credit for Belgian consumers. It analyzes credit products from a panel of partner lenders (Record Bank, CKV, Creafin, CFCAL, Credimo, eLease, Krefima) and recommends credit agreements tailored to each applicant's needs, financial situation, and personal circumstances. Services are delivered through advisor-led consultations at the client's home or at the firm's Maasmechelen office.
Product overview
De Limburgse operates as an independent credit broker (not a credit company) offering a portfolio of consumer and mortgage credit products through a network of independent credit brokers. The product suite centers on six core offerings: new home purchase mortgages, budget loans and refinancing, re-borrowing from existing mortgages, energy efficiency loans, renovation loans, and car loans. The company works with multiple partner credit institutions (recordbank, CKV, Crefimmo, Crefival, Credimo, EBL, Krefima) to negotiate optimal rates and solutions for clients. Services are delivered through in-person consultations at client homes or at their office, with a focus on personalized advice throughout the credit application process.
Differentiator
Problem solved
Functional benefit
Products and services
- Aankoop nieuwe woning (New Home Purchase)
- Budgetlening - Herfinanciering (Budget Loan - Refinancing)
- Wederopname bij een lopende hypothecaire lening (Re-borrowing from Existing Mortgage)
- Energiekrediet (Energy Credit)
- Renovatielening (Renovation Loan)
- Autolening (Car Loan)
Companies that use De Limburgse
Customer profileSegments1 record
Ideal customer profiles1 record
De Limburgse technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
De Limburgse partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core.
- Record BankcoreRecord Bank is one of the credit providers on De Limburgse's panel. De Limburgse analyzes a sufficient number of credit products on the market and recommends one or more available credit agreements to consumers based on their needs and financial situation.
- CKVcoreCKV is a credit provider on De Limburgse's panel, included in the range of products analyzed and recommended to consumers.
- CreafincoreCreafin is a credit provider on De Limburgse's panel, included in the range of products analyzed and recommended to consumers.
- CFCALcoreCFCAL is a credit provider on De Limburgse's panel, included in the range of products analyzed and recommended to consumers.
- CredimocoreCredimo is a credit provider on De Limburgse's panel, included in the range of products analyzed and recommended to consumers.
- eLeasecoreeLease is a credit provider on De Limburgse's panel, included in the range of products analyzed and recommended to consumers.
- KrefimacoreKrefima is a credit provider on De Limburgse's panel, included in the range of products analyzed and recommended to consumers.
Scale indicators2 records
Recent moves5 records
Expansion highlights3 records
De Limburgse competitors and assessment
Company assessmentDirect peers
- De Hypotheker: Dutch mortgage broker network with extensive franchise/advisor footprint, structurally similar to De Limburgse's home-visit brokerage model. Comparable in offering independent mortgage advice across a panel of lenders in the Benelux region.
- Vlanova: Belgian independent credit broker operating a similar intermediation model for consumer and mortgage credit across Belgium. Vlanova competes directly with De Limburgse for the same Belgian consumer base seeking multi-lender credit advice.
- Hypotheek Visie: Dutch mortgage broker that compares products from multiple lenders and provides face-to-face advisory. Operates the same independent intermediation model as De Limburgse in a closely adjacent Dutch-speaking market.
Others
- Krefima: Belgian consumer credit provider on De Limburgse's lender panel. As a partner lender that also distributes directly, Krefima is both an ecosystem participant and a potential direct competitor to the firm's intermediation model.
- Credimo: Belgian consumer credit lender that appears on De Limburgse's panel and is also a key direct lender in the same market. Credimo is an ecosystem partner that could disintermediate brokers by going direct to consumers.
Emerging players
- Independer: Dutch online financial comparison and advice platform that brokers mortgages and consumer credit. Differs from De Limburgse via a digital-first model but is a relevant emerging competitor within the same intermediation category.
- TopCompare: Belgian financial comparison platform covering mortgages, consumer credit, and insurance. An emerging digital player competing for the same Belgian intermediation customer but through self-serve online comparison.
Broad incumbents
- KBC Bank: One of Belgium's largest banks, offering mortgages, consumer credit, and insurance directly. As a broad incumbent, KBC competes with De Limburgse's intermediation services but within a much larger portfolio of banking products.
- BNP Paribas Fortis: Belgium's largest bank and a primary direct lender of mortgage and consumer credit. BNP Paribas Fortis is a broad incumbent in the same Belgian credit market where De Limburgse operates as an independent broker.
- Argenta: Belgian bank focused on retail mortgages and savings, with significant direct mortgage lending activity. A broad incumbent competing for the same Belgian mortgage customers De Limburgse serves via intermediation.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights7 records
Customer concentration
De Limburgse social profiles
Digital presenceDe Limburgse compliance and trust
Trust signalCompliance1 record
De Limburgse financial estimates
Financial estimateRevenue estimate
Valuation estimate
De Limburgse leadership team
Management profileNumber of profiles
Profiles1 record
De Limburgse funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
De Limburgse 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 De Limburgse
What does De Limburgse do?
De Limburgse is an independent credit broker that intermediates mortgage credit and consumer credit for Belgian consumers. It analyzes credit products from a panel of partner lenders (Record Bank, CKV, Creafin, CFCAL, Credimo, eLease, Krefima) and recommends credit agreements tailored to each applicant's needs, financial situation, and personal circumstances. Services are delivered through advisor-led consultations at the client's home or at the firm's Maasmechelen office.
Is De Limburgse a public or private company?
De Limburgse is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was De Limburgse founded?
De Limburgse was founded in 1964. It employs 11 to 50 people.
Where is De Limburgse based?
De Limburgse is headquartered in Genk, Belgium, in the Europe region.
How does De Limburgse make money?
One revenue line is on record: credit intermediation commissions.
Who are De Limburgse's main competitors?
Direct peers on record are De Hypotheker, Vlanova and Hypotheek Visie. Others are Krefima and Credimo. Emerging players are Independer and TopCompare. Broad incumbents are KBC Bank, BNP Paribas Fortis and Argenta.
Does De Limburgse have an API?
No public API is recorded for De Limburgse.