What Geldloket Amersfoort does

Geldloket Amersfoort is a non-profit municipal financial advisory service founded in 2000 and operated under Stichting Stadsring, a Dutch social-services foundation. It provides free, independent financial counseling to residents of Amersfoort and Leusden (and, for the 'Op tijd erbij' early-intervention program, Bunschoten and Woudenberg). The service covers financial life transitions including separation, unemployment, retirement, starting a business, youth turning 18, and family finances, delivered through in-person consultations at two physical offices (Amersfoort and Leusden), telephone appointments, and a modular set of programs: the core advisory service, voluntary Budget Coaching, the 'Financiële APK' financial health check, and the proactive 'Op tijd erbij' early debt-detection program.

The core technology is administrative: a WordPress-based website with appointment booking, email, and telephone as the primary delivery channels. There is no proprietary software, no AI/ML components, and no digital product. The 'Op tijd erbij' program represents the most data-driven element of the service, leveraging a referral network of landlords, health insurers, energy companies, and water companies who alert Geldloket when residents fall into arrears, enabling early intervention before debts escalate into formal schuldhulpverlening.

Geldloket is entirely funded by municipal subsidies from Amersfoort, Leusden, Bunschoten, and Woudenberg, with services provided free of charge to residents regardless of income. The organization employs approximately 8 named consultants (Annemieke, Chaimae, Irene, Lisanne, Loes, Martine, Michelle, Tara) led by team leader Joëlle van Kommer, supported by a 25-year veteran consultant (Loes) who is Wft-certified. The team is multilingual in Dutch social-security law and debt assistance. The business model is non-commercial by design: the value proposition is to prevent costly downstream debt assistance for both residents and the municipality.

Name

Geldloket Amersfoort

Legal name

Geldloket

Website

https://geldloket.nl

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

1–10 employees

Short description

Geldloket Amersfoort is a non-profit municipal financial advisory service in the Netherlands that provides free, independent counseling on budgeting, debt, and life-transition finances to residents of Amersfoort and Leusden, funded by municipal subsidies.

Ownership category

akta.pro rank

Product category

Community Financial Advisory Services

SIC

Investment Advice (6282), Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Financial Coaching & Budgeting Advisory (FSAEAAAH)

akta.pro secondary industries

Credit Counseling & Debt Management Plans (DMP) (FSAKAJAH), Financial Hardship & Forbearance Assistance (FSAEAFAJ), Debt Restructuring & Workout Advisory (Consumer & SME) (FSAEAFAH)

Keywords

• Free financial advisory
• Municipal debt assistance
• Budget coaching services
• Early debt detection
• Community financial guidance

Headquarters

HQ city

Amersfoort

HQ country

Netherlands

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Others

Revenue model

1. Municipal Subsidy (Subsidie van de Gemeente): Geldloket's operations are entirely funded by subsidies from the municipalities of Amersfoort, Leusden, and Bunschoten. The service is free for residents. The stated goal is to prevent financial problems among residents, which ultimately saves the municipality from more expensive debt assistance (schuldhulpverlening) costs.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Geldloket Amersfoort is a free, independent financial advisory service for residents of Amersfoort and Leusden, providing expert guidance on budgeting, debt management, benefits, taxes, pensions, family finances, and life-transition money matters. It also operates the 'Op tijd erbij' early-detection program that proactively contacts residents with payment arrears (rent, health insurance, energy, water) to prevent debt escalation, and offers voluntary budget coaching and a financial health check ('financiële APK').

Product overview

Geldloket Amersfoort is a free, independent financial advisory service operated by Stichting Stadsring for residents of Amersfoort and Leusden. The core service provides expert financial counseling across multiple life situations including separation, unemployment, retirement planning, family finances, and debt management. The service is delivered through scheduled consultations at two locations (Amersfoort and Leusden). Key modules include the 'Op Tijd Erbij' early intervention program for payment arrears, voluntary budget coaching services, and financial health check-ups ('financiële APK'). The organization works in partnership with municipalities Amersfoort, Leusden, Bunschoten, and Woudenberg, funded by municipal subsidies rather than commercial interests.

Differentiator

Problem solved

Functional benefit

Products and services

• Geldloket Financial Advisory Service

Quantifiable outcome

• Geldloket serves all residents of Amersfoort and Leusden without income restrictions, preventing financial problems from escalating to costly debt assistance programs.
• +1 more outcomes

Named customers6 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eight partnerships are on record, tiered core and minor.

• Gemeente Amersfoort (Municipality of Amersfoort)coreStrategic or Co-development PartnerGeldloket is funded by a municipal subsidy from Gemeente Amersfoort. The municipality provides core operational funding to enable free financial advisory services for Amersfoort residents. The service is positioned as a key component of the municipality's social welfare and debt prevention strategy.
• Gemeente Leusden (Municipality of Leusden)coreStrategic or Co-development PartnerGeldloket serves Leusden residents under a municipal subsidy arrangement with Gemeente Leusden. The Leusden branch operates at 't Erf 1 (Huis van Leusden) every Friday 09:00–10:30. The municipality also publishes information about Geldloket's services on its official website.
• Gemeente Bunschoten (Municipality of Bunschoten)minorStrategic or Co-development PartnerGeldloket collaborates with Gemeente Bunschoten on the 'Op tijd erbij' early debt detection program, serving Bunschoten residents with payment arrears.
• Gemeente Woudenberg (Municipality of Woudenberg)minorStrategic or Co-development PartnerGeldloket collaborates with Gemeente Woudenberg on the 'Op tijd erbij' early debt detection program, serving Woudenberg residents with payment arrears.
• Stichting Stadsring (Foundation Stadsring)coreStrategic or Co-development PartnerGeldloket is part of Stichting Stadsring, a social services foundation that operates multiple welfare programs in the Amersfoort region. Stadsring provides institutional backing and administrative infrastructure. The team leader for GDPR/data matters is also an employee of Stadsring (Joëlle van Kommer).
• Creditors (Landlords, Health Insurers, Energy Companies, Water Companies)coreOthersUnder the 'Op tijd erbij' program, landlords, health insurers, energy providers, and water companies alert Geldloket when residents have payment arrears. This network of creditors forms the referral backbone of the proactive debt detection program.
• Stichting Leergeld Amersfoort (Leergeld Foundation Amersfoort)minorStrategic or Co-development PartnerGeldloket refers families with children facing financial hardship to Stichting Leergeld, which provides support for school-related costs (music lessons, sports, bicycles, laptops) for children from low-income families in Amersfoort.
• Voedselbank Amersfoort and Voedselbank Leusden (Food Banks)minorStrategic or Co-development PartnerGeldloket refers residents who cannot afford food to the food banks in Amersfoort and Leusden, as part of a holistic financial support ecosystem.

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Emerging players

• Geldfit: Dutch digital platform offering financial guidance, budget tools, and connections to debt assistance. Comparable as a financial advice/coaching service but delivered digitally rather than in-person by municipal advisors.

Broad incumbents

• Nibud (Nationaal Instituut voor Budgetvoorlichting): Dutch national institute for budgeting and financial information. Comparable in providing independent budgeting and financial advice for households, including education and tools.
• Kredietbank Nederland: Dutch social credit bank offering structured debt restructuring, credit, and financial guidance services. Comparable on debt counseling and consumer financial advice, but operates nationally and is a licensed credit institution.
• Wijzer in geldzaken (Ministry of Finance / Nibud): National Dutch government and Nibud initiative providing financial education and money guidance. Comparable mission of independent financial education for citizens, though delivered via content rather than in-person advice.

Direct peers

• Stichting Schuldhulpmaatje: National Dutch non-profit offering volunteer-based debt counseling and schuldhulpverlening support. Directly comparable to Geldloket's debt counseling and budget coaching mission, though delivered nationally via trained volunteers.
• Humanitas DMN (Schuldhulpverlening): Large Dutch welfare organization providing debt mediation and financial counseling. Comparable service offering (financial counseling, debt assistance) for individuals across multiple Dutch regions.

Regional players

• Sociaal Raadslieden (municipal social legal services): Dutch municipal social legal service providing free advice on legal and financial matters to residents. Comparable free, independent, municipal-funded advisory model for residents across many Dutch municipalities.

Others

• Stichting Stadsring: Parent foundation of Geldloket and operator of multiple welfare programs in the Amersfoort region. Comparable as a regional welfare-services infrastructure partner, though operating multiple programs beyond financial advisory.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/GeldloketAfoort

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 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 Geldloket Amersfoort