What Adviesbox does

Adviesbox is a Windows desktop financial advisory software application operated by Intersoftware B.V., a privately held Dutch B.V. founded and headquartered in Gouda, Netherlands. The platform is purpose-built for Dutch financial advisors and mortgage brokers, combining financial planning, advice, mediation, and administration in a single tabbed interface. Core functionality includes maximum borrowing capacity calculation, financing proposal generation with payment schedules, scenario analysis across death, disability, unemployment, and pension, and WFT (Financial Supervision Act) compliant client profiling and documentation. The product holds full HDN (Hypotheek Data Netwerk) certification, enabling certified electronic submission of mortgage and insurance applications directly to connected Dutch lenders and insurers including ABN AMRO, Rabobank, ING, Aegon, Nationale-Nederlanden, and Obvion.

The technology architecture is a Windows desktop application with local or network installation, designed to operate offline for advisory calculations while pulling daily automatic updates of fiscal/social figures, provider products, rates, conditions, and NIBUD expenditure data over the internet. Differentiated capabilities include the Hypotheekvergelijker mortgage comparator that ranks lenders on total net cost over loan lifetime rather than headline rate, the Klantdossier add-on module for portfolio management and online customer collaboration, and the Brondata add-on for automated retrieval of client data from five Dutch government sources (Belastingdienst, DUO, Mijnpensioenoverzicht, MijnOverheid, UWV). Bureau DFO has recognized Adviesbox as the best Dutch advisory software for six consecutive years.

The business model is annual subscription licensing with per-user pricing, auto-renewing contracts with three-month cancellation notice, and CPI-indexed annual price adjustments. Optional modules (Klantdossier, Brondata) and discounted inside/binnendienst seats generate incremental recurring revenue. Go-to-market is sales-led, combining account-management on-site demonstrations for enterprise and mid-market advisory firms with inside-sales website ordering and 14-day free trials for SMBs and individual advisors. Distribution is single-country (Netherlands only), supplemented by channel partnerships with service providers (CFSN Kredietendesk, De Financiële Makelaar, De Hypotheekservicer) and an overstapservice switching program targeting competitor customers. Operational contact and training infrastructure is hosted on the blinqx.tech domain, indicating integration into the broader Blinqx software group.

Name

Adviesbox

Legal name

Intersoftware B.V.

Website

https://adviesbox.nl

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

11–50 employees

Short description

Adviesbox is a Dutch Windows desktop software platform, operated by Intersoftware B.V., that provides financial planning, mortgage comparison, and HDN-certified digital application submission for Dutch financial advisors and mortgage brokers via annual per-user subscriptions.

Ownership category

akta.pro rank

Headquarters

HQ city

Gouda

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Software Licensing Subscription: Annual subscription-based licensing model with per-user pricing. Licensees receive non-exclusive, non-transferable usage rights. Contracts auto-renew indefinitely after initial one-year term with 3-month cancellation notice. Pricing adjusted annually with CPI index protection.
2. Module Add-ons: Additional paid modules including Klantdossier (customer dossier management) and Brondata (source data retrieval from government institutions). Sold as add-ons to base Adviesbox license.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Adviesbox is a Windows desktop financial advisory software that supports Dutch financial advisors and mortgage brokers in calculating maximum borrowing capacity, generating financing proposals with payment schedules, performing scenario analysis (death, disability, unemployment, pension), and producing WFT-compliant advice documentation. The platform enables digital submission of mortgage and insurance applications via full HDN certification, integrates with Dutch government data sources for automated client inventory, and applies a proprietary algorithm to compare mortgage products on total cost over loan lifetime rather than headline interest rates.

Product overview

Adviesbox is a single unified Windows desktop software platform for Dutch financial advisors, combining financial planning, advice, intermediation, and administration in one system. The core Adviesbox platform serves as the primary product, providing mortgage calculation, scenario analysis, and digital application capabilities through HDN certification. The Klantdossier module extends the platform with customer portfolio management, online inventory, and document administration. Brondata adds government data retrieval functionality. The Hypotheekvergelijker feature enables cost-based mortgage comparisons. All components share a common tabbed interface and database, with daily automatic updates of fiscal, social, and provider data.

Differentiator

Problem solved

Functional benefit

Products and services

• Adviesbox Windows desktop financial advisory software for mortgage advisors that calculates maximum borrowing capacity, generates financing proposals with payment schedules, performs scenario analysis (death, disability, unemployment, pension), manages the full advice documentation workflow, and enables digital submission of mortgage and insurance applications via HDN certification.
• Klantdossier Add-on module for Adviesbox that provides portfolio management with automated alerts, comprehensive customer administration with document storage, task and note management, online customer-facing inventory and profile completion environment, and a secure connection to government sources for pulling customer source data.
• Brondata Add-on module for Klantdossier that enables customers to retrieve their personal data directly from government sources including Belastingdienst, DUO, Mijnpensioenoverzicht, MijnOverheid, and UWV through a secure connection.
• Hypotheekvergelijker Mortgage comparison tool integrated within Adviesbox that compares all mortgage labels based on total cost over the full loan term, factoring in automatic interest rate reductions, taxes, and monthly costs at inception. Uses algorithmic calculations to determine cost-based comparisons rather than interest-rate-only comparisons.

Quantifiable outcome

• Potential savings of €4,500 over loan lifetime when comparing lowest-rate lender vs. lowest total cost lender for starter mortgages
• +1 more outcomes

Named customers3 records

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration13 records

Feature10 records

Partnerships

13 partnerships are on record, tiered core and minor.

• HDN (Hypotheek Data Netwerk)coreTechnology or IntegrationHDN certification for digital mortgage and insurance applications. Enables electronic submission of applications to connected providers with fully completed forms.
• ABN AMROcoreTechnology or IntegrationConnected mortgage provider with product/rate data integrated in Adviesbox and HDN application capability.
• RabobankcoreTechnology or IntegrationConnected mortgage provider with product/rate data integrated in Adviesbox and HDN application capability.
• INGcoreTechnology or IntegrationConnected mortgage provider with product/rate data integrated in Adviesbox and HDN application capability.
• AegoncoreTechnology or IntegrationConnected mortgage and life insurance provider with product/rate data integrated and HDN application capability.
• Nationale-NederlandencoreTechnology or IntegrationConnected mortgage and life insurance provider with product/rate data integrated and HDN application capability.
• ObvioncoreTechnology or IntegrationConnected mortgage provider. Actively endorses Adviesbox Hypotheekvergelijker for automatic rate reduction calculations.
• AccensysminorImplementation/ SI/ Consulting PartnerTechnical installation support partner for Adviesbox server installations. Free support for installation difficulties; installation costs covered by Intersoftware.
• Belastingdienst (Tax Authority)coreTechnology or IntegrationGovernment data source integrated in Brondata module for automatic retrieval of tax-related client information.
• DUO (Education Executive Agency)coreTechnology or IntegrationGovernment data source integrated in Brondata module for automatic retrieval of student loan and education-related client data.
• Mijnpensioenoverzicht (My Pension Overview)coreTechnology or IntegrationGovernment data source integrated in Brondata module for automatic retrieval of pension data.
• MijnOverheid (My Government)coreTechnology or IntegrationGovernment data source integrated in Brondata module for automatic retrieval of various government-held client data.
• UWV (Employee Insurance Agency)coreTechnology or IntegrationGovernment data source integrated in Brondata module for automatic retrieval of employment and benefits-related client data.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• RightCapital: Cloud-based financial planning software for financial advisors with scenario analysis, client profiling, and report outputs. Functionally aligned with Adviesbox's advisor workflow and planning modules.
• MoneyGuide Pro: US-based financial planning software for financial advisors with similar scenario analysis, client profiling, and report generation capabilities. Comparable to Adviesbox in target customer (financial advisors) and core planning functionality.
• Figlo: Dutch financial planning software for advisors serving the same Dutch mortgage and financial advisory market. Provides comparable scenario analysis, mortgage calculation, and advisor workflow tools, making it the closest functional competitor to Adviesbox in the Netherlands.
• eMoney Advisor: Financial planning software platform for advisors offering client portal, scenario modeling, and report generation. Comparable to Adviesbox in target customer and core advisor workflow, though serving primarily US advisors.

Others

• Calcasa: Dutch property valuation and analytics provider integrated into the Dutch mortgage ecosystem. Not a direct software competitor to Adviesbox, but adjacent in the mortgage value chain Adviesbox operates within.

Broad incumbents

• Envestnet: Wealth management technology platform offering financial planning, advisor workflows, and data analytics. Broader incumbent in the financial advisor software space with comparable end customers but at much larger scale and broader portfolio.
• Salesforce Financial Services Cloud: Broad CRM and financial services platform offering advisor workflows, client management, and compliance capabilities. A much larger incumbent with overlapping functionality but as part of a wider portfolio, not specialized in Dutch mortgage advisory.
• Visma: Nordic/European business software group offering accounting, ERP, and financial workflow products serving similar SMB customer base in the Netherlands and broader Europe. Overlaps with Adviesbox in serving Dutch financial professionals.
• AFAS Software: Dutch business software provider offering ERP, payroll, and CRM solutions to Dutch SMBs including financial advisors. Larger and broader incumbent that does not specialize in mortgage advisory but addresses overlapping Dutch professional services customers.
• Exact: Dutch-origin business and accounting software with a Dutch market presence and SMB financial workflow products. Broader incumbent serving overlapping Dutch professional services customers without specializing in mortgage advisory.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCZdYeOPeAIM1k1VOg_jvgWQ
• LinkedInlinkedin.com/company/adviesbox
• Xx.com/Adviesbox

Compliance1 record

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 Adviesbox