Bread fund

What Bread fund does

Bread fund (operating via broodfonds.nl) is a Netherlands-based nonprofit organization that delivers mutual disability provision for and by entrepreneurs. Founded in 2018 and headquartered in Arnhem, the entity operates on a mutual-aid model: a community of self-employed members collectively funds disability benefits for peers who fall ill or become incapacitated, rather than relying on commercial disability insurance. The organization employs between 11 and 50 staff, consistent with an operational nonprofit of modest scale responsible for member onboarding, contribution collection, claims adjudication, and payout administration.

The underlying platform and process are described only at a high level in the source data. No proprietary technology stack, software product, patents, or digital distribution channels are disclosed; the public website (broodfonds.nl) functions as a verification/loading page in the captured source material and yields no product detail. There is no evidence of mobile applications, APIs, third-party integrations, or data-asset disclosures. Consequently, the technical architecture cannot be characterized beyond its role as a member-facing administrative vehicle for a peer-funded benefits pool.

Bread fund's business model is that of a nonprofit mutual society: revenue derives from regular member contributions rather than commercial premiums, surpluses are retained for the benefit of the membership rather than distributed to shareholders, and there is no public pricing schedule. No customer segments beyond "entrepreneurs" are disclosed, and no marketing, distribution, partnership, or certification data is present in the source. The available evidence supports only a base-level description of what the organization is and whom it serves; further claims about scale, unit economics, or technology would exceed what the input data warrants.

Name

Bread fund

Website

https://broodfonds.nl

Company type

Private

Founded year

2018

Headcount range

11–50 employees

Short description

Bread fund is a Netherlands-based nonprofit that provides mutual disability insurance to and from a community of self-employed entrepreneurs through pooled member contributions, operating from Arnhem since 2018.

Ownership category

akta.pro rank

Product category

Mutual Aid Disability Insurance

NAICS

Insurance and Employee Benefit Funds (5251), Health and Welfare Funds (525120), Other Insurance Funds (52519)

SIC

Accident & Health Insurance (6321)

akta.pro primary industry

Group Disability Income Insurance (Employer-Sponsored) (FSAIAIAB)

akta.pro secondary industry

Private Foundations (BPAGAKAA)

Keywords

• Mutual aid insurance
• Disability provision
• Self-employed coverage
• Peer support fund
• Sickness benefits

Headquarters

HQ city

Arnhem

HQ country

Netherlands

HQ region

Europe

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel

Core offering

Bread fund (Broodfonds) is a Dutch nonprofit mutual aid organization that provides disability and sickness income protection for and by self-employed entrepreneurs. Members form groups that pool monthly contributions, and when a participating entrepreneur becomes unable to work due to illness or disability, the pooled funds are used to provide a basic income to that member.

Product overview

No product or service information available from the provided source.

Differentiator

Problem solved

Functional benefit

Products and services

• Disability and Sickness Provision Membership A mutual aid membership program in which self-employed entrepreneurs form peer groups, contribute monthly premiums into a shared pot, and receive income support when a member of their group is unable to work due to illness or disability.

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves1 record

Expansion highlights1 record

Direct peers

• Movir: Dutch insurer specializing in disability income protection specifically for higher-educated professionals and self-employed — directly competing for the entrepreneur disability niche that Bread fund serves.
• Stichting Broodfonds: The original Dutch Broodfonds foundation that pioneered the mutual-aid disability model for entrepreneurs. Bread fund appears to be an affiliated or peer local Broodfonds operating the same pooled-contribution model for ZZP'ers in the Netherlands.
• Loyalis: Dutch specialist in disability and income protection products with strong positioning among the self-employed and SME segment, directly comparable to Bread fund's core offering.

Others

• Verbond van Verzekeraars: Dutch Insurance Association representing insurers in the Netherlands. Relevant as the industry body that sets self-regulatory standards affecting how mutual-aid pools like Bread fund operate and interact with formal insurers.
• Freelancers Union (US): US nonprofit advocating for and providing benefits to independent workers, including access to disability and insurance products. Comparable as a mission-driven nonprofit serving freelancers' protection needs, though operating in a different geography.

Broad incumbents

• Interpolis: Major Dutch retail insurer (Achmea group) offering disability and income-protection products to self-employed and SMEs. Comparable as a broad incumbent competing in the same end-customer segment.
• Aon Netherlands: Global insurance brokerage with a Dutch practice advising freelancers and SMEs on disability, income protection, and benefits. Competes for the same ZZP/entrepreneur customer wallet through advisory and brokerage rather than direct provision.
• Nationale-Nederlanden: One of the largest Dutch life and disability insurers with established group and individual disability income products. Comparable as a competing provider of disability protection to Dutch self-employed and employed workers.
• Centraal Beheer: Established Dutch insurer (Achmea) offering disability and income-protection products to freelancers and small business owners, overlapping with Bread fund's target entrepreneur segment.

Emerging players

• Brightrome: Dutch InsurTech focused on income protection and disability cover for the self-employed market. Comparable as a newer, digitally-native entrant targeting the same ZZP disability niche.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks4 records

Key highlights4 records

Customer concentration

• Xx.com/broodfonds
• Facebookfacebook.com/Broodfonds
• LinkedInlinkedin.com/company/broodfonds-gelre

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 Bread fund