What Financium does

Financium (legally Financium Primae B.V.) is a Dutch B2B service provider that simplifies credit advisory for independent financial advisors (tussenpersonen) active in the Netherlands. The company operates as an intermediary between licensed advisors and multiple Dutch credit providers, handling the administrative workflow around consumer and business loan origination while advisors retain customer-facing advisory and ownership of the client relationship. Its core platform is Kredietmodule, a secure cloud-based digital workspace where advisors submit loan applications, run orientatiefase (preliminary) calculations, check BKR (Bureau Krediet Registratie) credit registrations, upload documentation, and track application status through a single interface, with HDN (Hypotheken Data Netwerk) connectivity for mortgage-data exchange. The product set spans Persoonlijke Lening (fixed-rate personal loans), Doorlopend Krediet (revolving credit), Financial Lease (vehicle financing), Zakelijk Krediet (business credit via a specialized partner), and Kredietbescherming (loan-protection insurance), supported by portfolio-transfer, lead-referral, and portfolio-sale services.

Financium's business model is commission-based, with advisors joining free of charge (no production or balance requirements) and earning monthly commissions on loans brokered through the platform. Revenue accrues to Financium through transaction fees on originated credit (shared with advisors), one-time lead-referral fees paid to advisors who route customers in, managed-service fees for centralized portfolio administration across providers, and transaction fees on credit-protection insurance mediation. The company is a daughter company of Qmulus and part of the Heinenoord Groep holding, sharing market knowledge with sister company Geldshop (the largest consumer credit broker in the Netherlands) while maintaining strictly separated portfolios. Distribution is entirely domestic through independent advisors, supported by a direct-sales onboarding motion (phone outreach and contact forms), a LinkedIn presence, and a corporate website (financium.nl).

The company is registered with the AFM (12008082), KVK (23034619), and KiFiD (300.002692), and is headquartered in Rijswijk, Netherlands, with 11-50 employees. The technology stack is functional rather than differentiated: it relies on industry-standard HDN and BKR integrations and a workflow platform, with no disclosed AI/ML capabilities, proprietary data assets, or patents. Strategic positioning centers on operational convenience (quote availability within one hour, single-application routing to multiple lenders, centralized administration) and on leveraging the parent-group's provider relationships, rather than on technology-driven differentiation.

Name

Financium

Legal name

Financium Primae B.V.

Website

https://financium.nl

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Financium is a Dutch B2B service provider that handles the administrative workflow of consumer and business credit origination for independent financial advisors (tussenpersonen), using its Kredietmodule platform to route applications across multiple Dutch credit providers on a commission basis.

Ownership category

akta.pro rank

Product category

Credit Intermediation Services

NAICS

Depository Credit Intermediation (5221)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning) (FSAGAJAM)

Keywords

• Credit intermediation
• Loan brokerage services
• Financial advisory support
• Consumer credit platform
• Business credit services

Headquarters

HQ city

Rijswijk

HQ country

Netherlands

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Commission on Loan Originations: Advisors receive monthly commission on loans they broker through the Financium platform. The company facilitates the administrative handling and connects advisors with multiple credit providers, earning a share of the loan origination economics.
2. Lead Referral Fees: One-time lead compensation paid to advisors who refer customers that result in successful financing. Advisors share basic customer data, and Financium handles the rest, paying a referral fee upon successful loan completion.
3. Portfolio Management Services: Centralized portfolio administration for advisors who consolidate existing credit portfolios at Financium. The company handles all administrative aspects across multiple providers.
4. Credit Protection Products: Financium charges a small fee for preparing and mediating credit protection insurance (kredietbescherming), which covers disability, unemployment, and death. Advisors can charge a separate consulting fee for analyzing and advising on these products.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Financium is a B2B credit intermediation service provider that operates the Kredietmodule digital platform for independent financial advisors in the Netherlands. The platform enables advisors to submit consumer and business loan applications, access multiple credit providers through a single interface, track application status, upload documents, and manage centralized credit portfolios. Financium handles the administrative processing from intake to final settlement and earns commission on loans brokered through the platform.

Product overview

Financium is a service provider for consumer credit (consumptief krediet) and business credit (zakelijk krediet), operating as a business-to-business platform for intermediaries. The core offering consists of the Kredietmodule digital platform, which enables independent advisors to submit loan applications, generate quotes, and track status across multiple credit providers. The product portfolio includes three primary credit products: Persoonlijke Lening (fixed-rate personal loan), Doorlopend Krediet (revolving credit), and Financial Lease (vehicle financing for businesses). Additional services include Kredietbescherming insurance, lead generation compensation, portfolio transfer administration, and business/portfolio sales facilitation through the parent company Qmulus.

Differentiator

Problem solved

Functional benefit

Products and services

• Kredietmodule Platform A secure cloud-based digital platform provided to independent financial advisors (tussenpersonen) for submitting consumer and business loan applications, generating quotes from multiple credit providers, performing BKR credit checks, uploading documents, and tracking application status through a single interface.
• Kredietportefeuille Opbouwen (Portfolio Building Service) A service providing intermediaries access to the Kredietmodule platform for creating quotes on consumer and business loans, supported by calculation tools and personal credit specialist support for complex cases.
• Leadvergoeding (Lead Compensation Service) A service for intermediaries without a consumer lending license (consumptief krediet vergunning) that allows them to share basic customer data with Financium and receive a one-time lead fee when the referral results in a successfully completed financing.
• Verkoop Portefeuille of Bedrijf (Portfolio or Business Sale Service) A service assisting intermediaries with selling their insurance or credit portfolios, including valuation and facilitated acquisition through the Qmulus investment team, which has completed several successful acquisitions in the insurance and consumer credit markets.
• Portefeuille Overvoer (Portfolio Transfer Service) A central portfolio management service allowing intermediaries to consolidate existing credit portfolios from various providers under Financium administration, simplifying operations across multiple lenders with one consolidated commission overview.
• Kredietbescherming Mediation (Loan Protection Insurance Mediation) A mediation service for credit protection insurance (kredietbescherming) that covers disability, unemployment, and death, offered as a net premium product without commission; advisors can separately charge a consulting fee for analyzing and advising on these products.

Quantifiable outcome

• Quote availability within 1 hour
• +2 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature4 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Heinenoord GroepcoreOthersParent company of Financium. Heinenoord Groep is the umbrella organization that owns Financium as a subsidiary, providing corporate structure and shared resources.
• GeldshopcoreOthersSister company and the largest broker in consumer credit in the Netherlands. Shares market knowledge with Financium but maintains strictly separated portfolios. Both are part of Heinenoord Groep.
• Multiple Credit ProviderscoreChannel Partner/ Reseller/ DistributorFinancium works with multiple carefully selected credit providers for consumer credit, financial lease, and business credit. Partners include various Dutch lenders such as Defam, BNP Paribas, Lloyds, and others. No priority is given to specific providers - advisors choose with their clients.
• Business Credit PartnerminorChannel Partner/ Reseller/ DistributorFor business credit, Financium partners with a specialized partner who has multiple entry points and expertise in business credit assessment.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Pricewise: Dutch comparison platform for financial products including personal loans and mortgages. Comparable as a multi-provider credit intermediation channel, although Pricewise skews consumer-direct whereas Financium routes through advisors.
• Independer: Dutch financial comparison and intermediation platform covering credit, insurance, and mortgages. Comparable as a B2B/B2C intermediation layer routing consumers to financial providers, though it is broader in scope than Financium's advisor-focused model.
• Nedasco: Dutch service provider for independent insurance and financial advisors. Comparable B2B model: providing back-office services, portfolio administration, and access to multiple providers to independent advisors in the Netherlands.
• Aevitae: Dutch service organization supporting independent intermediaries with insurance, income, and financial products. Directly comparable GTM: B2B platform serving independent advisors with administrative and product access services.
• Geldshop: Sister company under Heinenoord Groep and the largest consumer credit broker in the Netherlands. Directly comparable in product (consumer credit intermediation) and customer base (independent advisors), though portfolios are kept strictly separate.

Broad incumbents

• Moneyou: Dutch direct online lender (originated within ABN AMRO) offering consumer credit and savings. Operates in the same Dutch consumer credit market but bypasses the advisor intermediation layer Financium depends on.
• BNP Paribas Personal Finance (Netherlands): Major consumer credit provider in the Netherlands (including the brand lines Financium brokers to). Comparable as a large incumbent credit provider in the same Dutch market, with the potential to vertically integrate advisor-facing services.

Emerging players

• Funding Circle: SME lending platform operating across Europe. Comparable in the business credit segment Financium is expanding into via Zakelijk Krediet and Financial Lease, though at much larger scale and with a direct digital model rather than advisor-led distribution.
• De Hypotheekshop: Dutch mortgage and credit advisory franchise network serving consumers via local advisors. Comparable as a Dutch advisor-channel platform, though mortgage-centric rather than consumer/business credit brokerage.

Others

• Defam: Dutch consumer credit provider and active partner on the Financium platform. Comparable as a credit provider in the Dutch consumer credit value chain, though it is a supply-side participant rather than a competitor to Financium's intermediation model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/financium-primae-bv

Compliance3 records

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 Financium