What Comoneasy does

CommonEasy BV is a Dutch social enterprise headquartered in Utrecht (Stadstuin coworking hub, Europalaan 20) that operates a peer-to-peer financial safety net platform for Dutch freelancers and self-employed entrepreneurs (ZZP'ers). Founded in 2016 by brothers Jip and Florian de Ridder as a direct response to the high cost and complexity of traditional disability insurance (AOV) and the friction of Dutch Broodfonds circles, the company explicitly positions itself outside insurance and Broodfonds categories. Members make monthly contributions starting from €40, pooled within a community of known entrepreneurs, and draw on a two-year financial safety net in the event of illness or disability; the platform reports a 99% approval rate on assistance requests and combines financial support with professional coaching. The company is structured under Stichting CommonEasy (foundation) and certified as a Social Enterprise (Social Enterprise NL), and is bootstrapped with no external venture or private equity funding disclosed.

The platform is built around a personal digital wallet (payments processed through Mangopay, a regulated e-money institution supervised by the European Central Bank), a circle-based network structure, and a blockchain token system operated with The Share Council (live since November 2019) intended to facilitate member co-ownership and governance. The stack includes standard SaaS infrastructure — Cloudflare for security, Google Cloud Platform and Microsoft Graph for optional contact import (with consent), Mailgun for transactional email, HubSpot for live chat, Klaviyo for newsletter automation, and Hotjar and Google Analytics for behavioral telemetry. No public or partner-facing API, SDK, or developer documentation is exposed; the product is delivered via web and a members-only mobile app, with no public app store listings disclosed.

Go-to-market is community-led, event-driven, and product-led: members join in under five minutes with no registration fees, grow the network via a referral incentive ("vriendenkorting" — both referrer and referee receive one free month), and engage through weekly Community Calls on Zoom, monthly Connect&Learn events, an Ambassador Day, and weekly online coffee moments with founder Jip. The company operates exclusively in the Netherlands (single-country distribution, fully self-serve online), has no recorded M&A activity, and no external board or notable hires beyond founders, a Community Manager (Eline Hesse), and a network of freelancers and partners. Pricing is fully transparent and has been featured in NRC, Financieel Dagblad, and Telegraaf; first partnership was signed with De Coöperatie (450+ freelance journalists) in December 2016.

Name

Comoneasy

Legal name

CommonEasy BV

Website

https://commoneasy.nl

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

1–10 employees

Short description

CommonEasy is a Dutch social enterprise that runs a peer-to-peer financial safety net platform for Dutch freelancers (ZZP'ers), pooling monthly contributions from €40 to provide up to two years of income support during illness, with a 650+ member community and a 99% assistance approval rate.

Ownership category

akta.pro rank

Headquarters

HQ city

Utrecht

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Monthly Membership Fees: Members pay a monthly contribution starting from €40. This is a recurring revenue model where funds accumulate in personal wallets and are used to support network members during illness. No insurance model - operates as a savings and gift-giving circle.

Pricing tiers

Go-to-market motion3 records

Distribution channels2 records

Marketing channels6 records

Core offering

CommonEasy is a peer-to-peer financial safety net platform for Dutch freelancers and self-employed professionals. Members save monthly into a personal digital wallet starting from €40/month and mutually support each other through small gifts when a network member faces illness or disability, providing up to 2 years of income coverage with a 99% approval rate. The offering combines transparent online savings management, blockchain-based community co-ownership tokens, professional coaching support via CommonCare, and a network of 650+ known entrepreneurs.

Product overview

CommonEasy is a peer-to-peer financial safety net platform for Dutch entrepreneurs. The core offering consists of the CommonEasy platform and mobile app, which enable members to save monthly and support each other through small gifts when illness or disability occurs. The ecosystem includes a wallet for transparent savings management, Community Calls for weekly online networking and workshops, and Nicky Netwerk to help new members without existing networks get started. The platform differentiates through its social network approach, community-driven support system, and integration with blockchain technology (tokens operational since 2019) for potential member co-ownership. Pricing starts from €40 per month with no registration fees.

Differentiator

Problem solved

Functional benefit

Products and services

• CommonEasy Income Safety Net Membership Core peer-to-peer financial safety net service for Dutch freelancers and self-employed entrepreneurs. Members save monthly (starting from €40) and mutually support each other through small gifts during illness or disability, providing up to 2 years of income coverage with a 99% assistance approval rate.
• CommonEasy Mobile App Mobile application that allows CommonEasy members to manage their safety net membership, view savings and contributions, and access the entrepreneur network entirely online 24/7.

Quantifiable outcome

• 99% of financial assistance applications approved
• +1 more outcomes

Named customers4 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

Feature3 records

Partnerships

Five partnerships are on record, tiered core and minor.

• De CoöperatiecoreStrategic or Co-development Partner · 1 December 2016First partnership established in December 2016 with De Coöperatie, a cooperative of freelance journalists founded by Teun Gautier. The Coöperatie has 450+ members who are also owners. CommonEasy provides income protection for their member-journalists.
• QommunityminorGTM or Marketing PartnerPartnership with Qommunity, a community of freelancers in Amsterdam. CommonEasy members receive access to Qommunity events and membership benefits. Shared motto: 'Your network is worth gold.'
• CommonCarecoreStrategic or Co-development PartnerCoaches from CommonCare guide CommonEasy members who are in situations (illness). A CommonCare coach contacts members for an intake interview when they submit a situation.
• MangopaycoreTechnology or IntegrationMangopay is CommonEasy's payment infrastructure partner. Registered and supervised by the European Central Bank as an electronic money institution, Mangopay handles all payment processing within the platform.
• Nicky NetwerkminorChannel Partner/ Reseller/ DistributorA fictional persona service that helps new members who don't know other entrepreneurs yet. Adding Nicky connects members to a broader network instantly. Once members build their own network, they can disconnect from Nicky.

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Emerging players

• ManyPets (formerly Bought By Many): Direct-to-consumer, community-oriented insurance brand that pooled demand for niche customer segments through group buying. Shares CommonEasy's "community of similar customers" DNA and digital-first, transparent positioning, though operates in pet/health insurance rather than income protection.
• Qover: Belgian embedded insurance platform enabling partners to offer flexible, on-demand insurance products via API. Comparable in operating in the NL/BE region and in re-thinking insurance distribution for non-traditional customer segments; differs in being B2B infrastructure vs. CommonEasy's direct-to-freelancer model.
• Zego: UK-based insurtech providing flexible, by-the-hour/month insurance for gig and self-employed workers (drivers, couriers). Comparable in segment focus (self-employed without employer coverage) and in productizing flexible, app-first protection; less comparable in being a regulated insurer vs. CommonEasy's mutual-aid construct.

Broad incumbents

• Lemonade: Tech-enabled, customer-friendly insurance carrier using mobile UX, AI-driven claims, and a "Giveback" model. While Lemonade is a regulated insurer across multiple lines and geographies (whereas CommonEasy is a non-insurance mutual aid platform), it is the canonical reference for the digital, transparent, member-empowered insurance experience CommonEasy tries to replicate for freelancers.
• Nationale-Nederlanden: Major Dutch life and disability insurer, part of NN Group. Sells traditional AOV products that CommonEasy explicitly benchmarks (€200–500/month). Represents the legacy, high-cost alternative CommonEasy is built to undercut.
• Centraal Beheer (Achmea): One of the largest Dutch insurance brands across life, health, disability, and P&C. Direct incumbent competitor in the AOV (arbeidsongeschiktheidsverzekering) market that CommonEasy positions against on price, transparency, and community.

Direct peers

• Broodfonds (NL): Closest direct peer in the Netherlands. Broodfonds organizes small circles of freelancers (~20 members) who pool savings to support each other during illness. Same target customer (Dutch ZZP'ers), same mutual-aid value proposition, and CommonEasy explicitly compares itself against Broodfonds on its site (€100/month + €150–220 connection cost vs. CommonEasy from €40/month, no setup).

Others

• Qommunity: Community of freelancers in Amsterdam with which CommonEasy has a mutual GTM partnership. Adjacent ecosystem player serving the same Dutch freelancer segment with networking/events rather than financial protection.
• De Coöperatie: Cooperative of 450+ freelance journalists and CommonEasy's first partnership (Dec 2016). Not a competitor but a distribution/anchor partner; comparable as a Dutch freelancer-cooperative that pools resources for member welfare, illustrating the broader mutual-aid/cooperative market CommonEasy sits within.
• Share Council: Blockchain-based token/ownership infrastructure used by CommonEasy since 2019 to enable member co-ownership. Comparable as an enabling technology partner in the same Web3/member-ownership space; not a competitor but represents the underlying technology stack CommonEasy depends on for its co-ownership roadmap.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/CommonEasyNL
• Xx.com/commoneasy

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Comoneasy