CFSN Kredietendesk

What CFSN Kredietendesk does

CFSN Kredietendesk B.V. is an independent Financial Service Center headquartered in Hengelo, Netherlands, operating since 1996. The company provides mid- and back-office intermediation services for consumer credit, financial lease, and SME business financing in the Dutch market, distributing exclusively through a B2B channel-partner model that serves more than 1,200 financial intermediaries — primarily mortgage advisors, insurance brokers, and financial planners. With a single appointment, intermediaries gain access to all relevant credit providers in the Netherlands, and CFSN handles full operational and administrative processing from application through contract execution.

The technology stack centers on the proprietary MijnLeenadvies application, a Wft-compliant online advisory tool approved by the Dutch Authority for Financial Markets (AFM) that guides intermediaries step-by-step through the consumer credit advisory process (customer profile, inventory, analysis, advice, motivation modules). CFSN has integrated with the leading Dutch mortgage software ecosystems — Adviesbox and Finix — via the HDN (Hypotheek Data Netwerk) communication network, enabling automated transmission of credit quote requests and typically returning multiple lender proposals within one hour. Additional technology assets include web-based calculators (Verantwoord Krediet Maximum, lease calculator, premium calculator), a customer portfolio management database, embeddable website widgets for intermediaries, and an online marketing portal supporting intermediary partner campaigns. Regulatory credentials include an AFM vergunning (nr. 12012470), NVF serviceprovider membership, and KiFid dispute-resolution registration (300.008451).

CFSN's revenue model combines ongoing commissions from credit providers for intermediated agreements (the primary stream), a recurring SaaS license of €29.95 per month for MijnLeenadvies, transaction-based policy administration fees (€50 per placement), unit-priced training sessions (€350 per on-location session), and a one-time corporate-identity customization fee (€250). Credit-provider partnerships span BNP Paribas Personal Finance, Interbank, Defam (Premium Label status), Volkswagen Bank, Spotcap, Qredits, Lendico, Qander, Nationale Nederlanden, Cardif, Creditlife, and others. Educational services are delivered through a strategic partnership with Lindenhaeghe, and SME financing is routed via Finance Finder. Leadership is concentrated in Director Hans Schoonwater; the firm remains privately held with no institutional investor involvement disclosed.

Name

CFSN Kredietendesk

Legal name

CFSN Kredietendesk B.V.

Website

https://cfsn.nl

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

11–50 employees

Short description

CFSN Kredietendesk is an independent Dutch Financial Service Center that provides mid- and back-office intermediation for consumer credit, financial lease, and SME financing to over 1,200 financial intermediaries, operating a proprietary Wft-compliant advisory platform and multi-lender distribution model.

Ownership category

akta.pro rank

Product category

Financial Intermediation Services

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Personal Loan & Unsecured Credit Intermediation (FSAEAEAM)

Keywords

• Consumer credit intermediation
• Financial lease brokerage
• SME business financing
• Intermediary advisory software
• Dutch financial services

Headquarters

HQ city

Hengelo

HQ country

Netherlands

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Commission from credit providers: CFSN receives ongoing commission payments from credit providers for intermediating consumer credit, financial lease, and business SME credit agreements. Commission is paid according to legal regulations by credit providers through continuous commission.
2. MijnLeenadvies subscription: Monthly license fee for the Wft-compliant advisory application MijnLeenadvies. No entry license costs required.
3. Training services: On-location training for MijnLeenadvies application usage.
4. Policy administration: Fee charged when insurance is taken through MijnLeenadvies.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

CFSN Kredietendesk is an independent Dutch Financial Service Center that supports financial intermediaries (mortgage advisors, insurance brokers, and financial planners) with the mid- and back-office processes for consumer credit, financial lease, and SME business financing agreements. It acts as a single point of access to all relevant Dutch credit providers, delivering Wft-compliant advisory tooling, full policy administration, and post-closing customer service. The company also licenses its proprietary MijnLeenadvies advisory application to intermediaries on a subscription basis.

Product overview

CFSN Kredietendesk is an independent Financial Service Center serving intermediaries in the Netherlands with a comprehensive portfolio of credit products and professional services. The core product portfolio includes seven credit products: Persoonlijke Lening (personal loan with fixed term/interest), Eigen Woning Krediet (homeowner credit with interest discounts), Financial Lease (for entrepreneurs and legal entities), Zakelijke Financiering (business financing via Finance Finder), Restschuldfinanciering (residual debt financing), 'Locked Up' Klant solutions (for trapped borrowers), and Flexibel Krediet (flexible credit). These products are distributed exclusively through intermediaries and accessed via CFSN's service infrastructure, which includes the proprietary MijnLeenadvies Wft-compliant application (€29.95/month license), Full Service Kredietverlening for complete outsourcing, Intermediaire Software tools (website forms, VKM calculator modules), Marketingondersteuning services, and Financiële Opleidingen through Lindenhaeghe partnership. CFSN connects to advisors' existing software ecosystems through Adviesbox and Finix integrations, enabling quote requests to flow directly from mortgage software to CFSN and return quotes from multiple credit providers.

Differentiator

Problem solved

Functional benefit

Brands

• MijnLeenadvies: An online Wft application that guides intermediaries step by step through the legal advisory process for consumer credit, helping them comply with Wet op het financieel toezicht (Wft) and Besluit gedragstoezicht financiële ondernemingen (Bgfo 3) regulations.

Products and services

• Persoonlijke Lening (Personal Loan) Fixed-amount consumer credit product with predictable monthly payments, arranged by CFSN with Dutch credit providers for intermediaries advising their retail customers.
• Eigen Woning Krediet Credit product that lets consumers borrow against the value of their own home without taking out a new mortgage, offered to Dutch intermediaries through CFSN's credit provider panel.
• Financial Lease Leasing product aimed at Dutch SMEs that want to finance vehicles or business assets without ownership on the balance sheet, arranged by CFSN with its panel of credit providers.
• Zakelijke Financiering (SME Business Financing) Working capital and growth financing for Dutch SMEs, intermediated by CFSN between business borrowers and its network of credit providers.
• Restschuldfinanciering (Residual Debt Financing) Specialized financing for consumers with residual credit obligations after events such as divorce or inheritance, arranged via CFSN's panel of Dutch lenders.
• 'Locked Up' Klant Oplossing Service offering for consumers with locked-up credit that cannot be refinanced through standard lenders, giving intermediaries an alternative path for these customers via CFSN's network.
• Flexibel Krediet (Flexible Credit) Flexible consumer credit line combining revolving and fixed repayment features, intermediated by CFSN with Dutch credit providers for retail borrowers.
• Doorlopend Krediet (Revolving Credit)

Quantifiable outcome

• With one quote request, intermediaries receive proposals from multiple credit providers, often within one hour
• +1 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

Integration5 records

AI capability1 record

Feature5 records

Partnerships

20 partnerships are on record, tiered core and minor.

• LindenhaeghecoreStrategic or Co-development PartnerEducational partnership with Lindenhaeghe, a leading financial services training institute. CFSN offers intermediaries discounted access to all PE and PA training and exams through this partnership. Lindenhaeghe supports CFSN and its customers in all professional qualifications.
• Finance FindercoreTechnology or IntegrationStrategic partner for business financing solutions. Finance Finder enables intermediaries to compare business loans from multiple providers including banks, finance companies, crowdfunding platforms, and other business financiers. CFSN offers access to Finance Finder for SME financing needs.
• AdviesboxcoreTechnology or IntegrationSoftware integration partnership enabling CFSN to receive credit quote requests automatically via HDN (Hypotheek Data Netwerk) when intermediaries use Adviesbox. CFSN returns multiple quotes from different credit providers via email.
• FinixcoreTechnology or IntegrationSoftware integration partnership allowing CFSN to be set up as an inkooporganisatie (procurement organization) within Finix mortgage software. Quote requests are automatically sent via HDN to CFSN.
• BNP Paribas Personal FinancecoreChannel Partner/ Reseller/ DistributorCredit provider offering consumer credit products including the 'Persoonlijkste Senioren Lening' (Most Personal Senior Loan) for customers aged 60 and above.
• InterbankcoreChannel Partner/ Reseller/ DistributorCredit provider and the only connected credit provider within Finix platform. Offers consumer credit products.
• Defam (Premium)coreChannel Partner/ Reseller/ DistributorCredit provider with standard and premium products. CFSN holds the Premium Label status due to its market leader position and quality of service, offering exclusive access to Defam Premium products.
• Volkswagen Bank / Dutch FinancecoreChannel Partner/ Reseller/ DistributorCredit provider for automotive financing solutions offered through the CFSN platform.
• SpotcapcoreChannel Partner/ Reseller/ DistributorOnline business credit provider offering quick and simple financing solutions for entrepreneurs. Available through CFSN for business clients.
• QreditscoreChannel Partner/ Reseller/ DistributorBusiness credit provider for SMEs and entrepreneurs, offering financing solutions for startups and established businesses.
• AutocashcoreChannel Partner/ Reseller/ DistributorLease provider for automotive financing solutions.
• Nationale NederlandencoreChannel Partner/ Reseller/ DistributorInsurance and financial services provider offering consumer credit products.
• LendicocoreChannel Partner/ Reseller/ DistributorOnline credit marketplace offering consumer lending solutions.
• QandercoreChannel Partner/ Reseller/ DistributorCredit provider offering flexible credit products including the Flexibel Krediet (Flexible Credit).
• ABC FinancecoreChannel Partner/ Reseller/ DistributorCredit provider for consumer financing solutions.
• Lender & SpendercoreChannel Partner/ Reseller/ DistributorCredit provider for consumer lending solutions.
• Avero Achmea (Fideaal)coreChannel Partner/ Reseller/ DistributorInsurance group credit brand offering consumer credit products.
• CreditlifecoreChannel Partner/ Reseller/ DistributorCredit protection insurance provider offering disability, unemployment, and death coverage.
• CardifcoreChannel Partner/ Reseller/ DistributorCredit protection insurance provider offering payment protection solutions.
• DFOminorGTM or Marketing PartnerKnowledge platform partnership. DFO produces knowledge content featuring CFSN expertise on consumer credit topics.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Klarna: Global BNPL and consumer credit provider offering point-of-sale and direct consumer lending through digital channels. Broader incumbent in consumer credit intermediation with a different (B2C) go-to-market model.
• Moneyou: Dutch online consumer lender (part of ABN AMRO) offering personal loans, savings and investment products. A broader incumbent competing for the same end-customer credit relationships that flow through CFSN's intermediary channel.

Direct peers

• Hypotheek Visie: Dutch franchise network of independent mortgage and financial advisors with a similar intermediary-focused model linking advisors to credit providers. Competes with CFSN for intermediary mindshare in the Dutch credit and mortgage market.
• Lendo: Dutch online loan comparison platform aggregating personal loan and consumer credit offers from multiple providers. Comparable in matching borrowers to multiple lenders, although Lendo operates B2C rather than CFSN's B2B2C intermediary model.
• Van Bruggen Adviesgroep: Dutch financial intermediary group with a national branch network providing advisory and intermediation services across consumer credit, mortgages and insurance. Comparable in serving advisors and consumers through a multi-product intermediation model.
• DGA Hypotheken: Dutch mortgage provider and back-office servicer supporting financial advisors with mortgage origination and processing. Plays a similar intermediary-enablement role in the Dutch mortgage and credit value chain.
• De Hypotheker: Dutch franchise network of independent mortgage advisors operating a comparable intermediary business model. Overlaps with CFSN in arranging consumer and mortgage credit for end customers via financial advisors.
• De Hypotheekshop: Largest Dutch franchise network of mortgage and credit advisors operating a similar B2B2C intermediary model, connecting financial advisors to multiple credit providers for consumer and mortgage credit. Direct competitor for Dutch intermediary relationships.

Others

• Finix: Dutch mortgage software platform with built-in integrations to credit providers. Integration partner of CFSN serving many of the same Dutch financial intermediaries, making it an adjacent ecosystem participant.
• Adviesbox: Dutch mortgage and financial advisory software platform used by intermediaries. Direct integration partner of CFSN, with shared customer base of Dutch financial advisors and overlapping ecosystem role.

Market position

Weaknesses5 records

Competitive moat5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/cfsn-kredietendesk-b.v.

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 CFSN Kredietendesk