ZZP Netherland
- Company typePrivate
- Founded2005
- HeadquartersGroningen, Netherlands
- Headcount11–50
- GTM typeB2C
- OfferingServices
What ZZP Netherland does
ZZP Nederland (Vereniging ZZP Nederland) is a Dutch membership association serving more than 55,000 self-employed professionals (zzp'ers) across the Netherlands. The organization operates as an association (vereniging) with a holding entity (ZZP NL bv) and a licensed insurance arm (ZZP Nederland Verzekeringen BV), and it functions simultaneously as a collective bargaining intermediary, an independent insurance advisor, a publisher of freelancer-facing content, and a political advocate for freelancer interests in The Hague. Its member-facing offering spans occupational disability insurance (AOV) and the alternative mutual-aid Schenkkring, collective health insurance with up to 25% discounts across six major Dutch insurers, professional and business liability cover (BAV / AVB), legal expense cover (DAS, ARAG), and adjacent lines including cyber, CAR construction, vehicle, and term-life insurance.
The underlying technology is intentionally lightweight: a web platform with online insurance comparison and premium calculators, a member portal, a Rocketlawyer-powered legal document generator with 150+ templates, and a bi-weekly email newsletter, supported by an extensive knowledge base (ZZP Kennisbank) and flagship events such as the Dag van de ZZP'er and FOTY Awards. There are no proprietary AI or ML systems; differentiation rests on distribution scale and content rather than technology depth.
Revenue is generated through a tiered membership subscription starting at €24.75 per year, commissions on insurance policies intermediated through its own licensed insurance office and partner network (a.s.r., CZ, Menzis, NN, ONVZ, VGZ, Hiscox, DAS, ARAG), advisory and consultation fees for AOV (€149 one-time execution-only; €399-€499 full advisory trajectory with €10-€20 monthly management fees), and affiliate/referral commissions from mobility partners (Lease a Bike, Dealerleasing, Eurocars Bedrijfswagens, Ayvens, Fynch). GTM is hybrid: direct-to-consumer acquisition through the website and digital marketing, an inside-sales layer for advisory (phone and email, one-business-day response), event-driven member engagement, and channel distribution via partner insurers and mobility providers. The customer base is a long tail of Dutch SMB freelancers across construction, healthcare, ICT, consulting, and general trades, with no enterprise anchors.
ZZP Netherland firmographics
Firmographics- Name
- ZZP Netherland
- Legal name
- ZZP NL bv
- Website
- https://zzp-nederland.nl
- Company type
- Private
- Founded year
- 2005
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Where ZZP Netherland is headquartered
LocationHeadquarters
- HQ city
- Groningen
- HQ country
- Netherlands
- HQ region
- Europe
Offices1 record
Markets served
ZZP Netherland business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Operations, Technology or R&D, Others
Revenue model
- Membership Subscriptions: Annual membership fees provide access to benefits including insurance discounts, legal document tools, expert advice, advocacy representation, and member events. Membership is the primary recurring revenue stream.
- Insurance Products (Commissions): As an intermediary between members and insurance providers (a.s.r., CZ, Menzis, Nationale-Nederlanden, ONVZ, VGZ, Hiscox, DAS, ARAG, NN), ZZP Nederland earns commissions on insurance policies sold. The organization has its own licensed insurance office providing objective advice.
- Advisory and Consultation Fees: Fees for AOV advisory services: execution-only AOV closure costs €149 one-time, while advisory trajectory costs €399-€499. Monthly management fees of €10-20 apply for ongoing policy administration.
- Auto and Mobility Products: Partnership commissions from vehicle lease providers (Dealerleasing, Eurocarsbedrijfswagens, Ayvens, Lease a Bike), fuel cards, and mobility solutions offered to members.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Basic annual membership providing core benefits including entrepreneur desk access, insurance advice, legal advice subscription, free model contracts, and free event access. |
| One time/ perpetual license | Monthly | AOV Advisory Service - Execution Only |
| Professional services/ project-based | One time/ perpetual license | AOV Advisory Service - Full Advisory Trajectory |
| Subscription | Monthly | Professional Liability Insurance (BAV) |
| Subscription | Monthly | Collective Healthcare Insurance |
| Subscription | Monthly | Corporate Bike Lease - Lease a Bike |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels6 records
ZZP Netherland product offering
Product offeringCore offering
ZZP Nederland is a Dutch membership association for self-employed professionals (zzp'ers) that provides a portfolio of insurance products (disability, professional liability, business liability, health, legal expense, cyber, construction all-risk), legal document tools via Rocketlawyer, advisory services, mobility benefits (vehicle and bicycle leasing), and political advocacy. It operates its own licensed insurance office offering independent advice and earns commissions from partner insurers including a.s.r., CZ, Menzis, Nationale-Nederlanden, ONVZ, VGZ, Hiscox, DAS, and ARAG.
Product overview
ZZP Nederland is an association serving Dutch self-employed professionals (zzp'ers) providing a comprehensive portfolio of insurance products, financial services, mobility benefits, and legal tools. The core offering centers on occupational disability insurance (AOV) and the alternative Schenkkring mutual aid scheme, supplemented by collective health insurance with discounts up to 25%, professional liability (BAV) and business liability (AVB) coverage, and legal expense insurance through DAS and ARAG. Additional member benefits include a legal advice subscription with 150+ document templates via Rocketlawyer, business car leasing through Dealerleasing, bicycle leasing via Lease a Bike, cyber insurance, construction insurance (CAR), and bundled insurance packages. The products work together to provide holistic protection for self-employed individuals' business risks, income security, and legal compliance needs.
Differentiator
Problem solved
Functional benefit
Products and services
- Arbeidsongeschiktheidsverzekering (AOV)
Quantifiable outcome
- Members save up to 25% on supplementary health insurance through collective agreements
- +4 more outcomes
Companies that use ZZP Netherland
Customer profileNamed customers5 records
Segments5 records
Ideal customer profiles5 records
ZZP Netherland technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
ZZP Netherland partnerships and signals
Strategic signalPartnerships
17 partnerships are on record, tiered core and minor.
- a.s.r.corea.s.r. is a key insurance partner offering health insurance with up to 25% collective discount when combined with AOV, and up to 15% without AOV. ZZP Nederland members receive preferential collectiviteitsnummer (collective number) for direct enrollment.
- CZcoreCZ provides collective health insurance with up to 10% discount for ZZP Nederland members. CZ offers special collective supplementary policies with enhanced coverage compared to standard policies.
- MenziscoreMenzis offers collective health insurance with up to 7% discount. ZZP Nederland members receive collectiviteitsnummer 54970 for enrollment.
- Nationale-NederlandencoreNationale-Nederlanden provides collective health insurance with up to 20% discount for ZZP Nederland members through collectiviteitsnummer 70205.
- ONVZcoreONVZ offers collective health insurance with up to 10% discount for members, collectiviteitsnummer 101233.
- VGZcoreVGZ provides collective health insurance with up to 15% discount for ZZP Nederland members through collectiviteitsnummer 13311.
- HiscoxcoreHiscox is the preferred partner for professional liability insurance (BAV) offering online enrollment for ICT, management consulting, PR/marketing, legal advice, architects, and coaches with 10% member discount.
- NN (Nationale-Nederlanden)coreNN provides CAR (Construction All Risk) insurance through a collective agreement with ZZP Nederland, offering affordable premiums for construction professionals. Also offers business liability insurance.
- DAScoreDAS provides legal expense insurance (rechtsbijstand) for business and personal coverage with member discounts through ZZP Nederland.
- ARAGcoreARAG is an alternative partner for legal expense insurance (rechtsbijstand) with member discounts.
- MovirminorMovir is an execution-only provider for AOV (disability insurance) available through ZZP Nederland for self-service policy purchase.
- Lease a BikecoreLease a Bike provides corporate bike leasing with 7% imputation and approximately 35% savings compared to private purchase. Members receive €25 discount on lease costs and free year membership for new members.
- DealerleasingcoreDealerleasing provides short-lease and operational lease vehicles with €100 one-time member discount, lowest price guarantee, and flexible monthly cancellation options.
- Eurocars BedrijfswagenscoreEurocars Bedrijfswagens offers financial lease and vehicle purchasing options for business use with ZZP Nederland member benefits.
- AyvensminorAyvens provides commercial vehicle leasing options for ZZP Nederland members.
- FynchminorFynch provides automatic trip registration app for commute and business mileage tracking. Members receive €10 discount on subscription and free year membership for new members.
- RocketlawyercoreRocketlawyer powers the legal document generator with 150+ templates for ZZP Nederland members, including general terms and conditions, contracts, and privacy policies. Documents are customizable through a questionnaire and finalized by Rocketlawyer's legal team.
Scale indicators2 records
Recent moves6 records
Expansion highlights6 records
ZZP Netherland competitors and assessment
Company assessmentEmerging players
- Verzekeringssite.nl: Dutch insurance comparison platform that aggregates policies from multiple carriers. Competes in the same insurance advisory and price comparison space as ZZP Nederland.
- Pricewise: Dutch comparison website for insurance, energy, and financial products. Competes with ZZP Nederland's insurance advisory and comparison services for Dutch consumers.
- Independer.nl: Dutch online insurance comparison platform offering free premium comparisons across multiple insurers. Overlaps with ZZP Nederland's insurance comparison and advisory functionality for the same target market.
Broad incumbents
- a.s.r. Major Dutch insurance company and ZZP Nederland's largest health insurance partner (up to 25% collective discount). Also offers direct insurance products to self-employed through its own distribution channels.
- DAS: Leading Dutch legal expense insurance provider and ZZP Nederland partner for rechtsbijstand. Overlaps with ZZP Nederland's legal document generation and advisory offerings for self-employed professionals.
- Hiscox: Specialist insurer for professional liability (BAV) and SME risks; preferred partner for ZZP Nederland's BAV product (10% member discount). Competes with ZZP Nederland's own insurance advisory for ICT, consulting, and advisory professionals.
- Nationale-Nederlanden: Large Dutch insurance and financial services company; ZZP Nederland partner (up to 20% health insurance collective discount). Offers direct insurance products including CAR, AOV, and business liability that overlap with ZZP Nederland's portfolio.
- Menzis: Major Dutch health insurer and ZZP Nederland partner (up to 7% collective discount, collectiviteitsnummer 54970). Competes in the supplementary health insurance market that ZZP Nederland bundles for its members.
Others
- Freelancers Union: US-based membership organization for independent workers offering insurance, advocacy, and community services. Conceptually analogous to ZZP Nederland's Dutch freelancer association model, though operating in a different regulatory and market environment.
Direct peers
- FNV Zelfstandigen: Dutch trade union branch for self-employed professionals, offering similar membership services including insurance, legal advice, and advocacy. Competes directly with ZZP Nederland for the same Dutch zzp'er population.
Market position
Strengths5 records
Weaknesses2 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
ZZP Netherland social profiles
Digital presenceZZP Netherland financial estimates
Financial estimateRevenue estimate
Valuation estimate
ZZP Netherland leadership team
Management profileNumber of profiles
Profiles1 record
ZZP Netherland subsidiaries and ownership
Company hierarchySubsidiaries2 records
ZZP Netherland funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ZZP Netherland M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about ZZP Netherland
What does ZZP Netherland do?
ZZP Nederland is a Dutch membership association for self-employed professionals (zzp'ers) that provides a portfolio of insurance products (disability, professional liability, business liability, health, legal expense, cyber, construction all-risk), legal document tools via Rocketlawyer, advisory services, mobility benefits (vehicle and bicycle leasing), and political advocacy. It operates its own licensed insurance office offering independent advice and earns commissions from partner insurers including a.s.r., CZ, Menzis, Nationale-Nederlanden, ONVZ, VGZ, Hiscox, DAS, and ARAG.
Is ZZP Netherland a public or private company?
ZZP Netherland is a private company. It is classified as unknown and is currently operating.
When was ZZP Netherland founded?
ZZP Netherland was founded in 2005. It employs 11 to 50 people.
Where is ZZP Netherland based?
ZZP Netherland is headquartered in Groningen, Netherlands, in the Europe region.
How does ZZP Netherland make money?
Four revenue lines are on record. Membership Subscriptions are the primary driver. The others are insurance Products (Commissions), advisory and Consultation Fees and auto and Mobility Products.
Who are ZZP Netherland's main competitors?
Emerging players on record are Verzekeringssite.nl, Pricewise and Independer.nl. Broad incumbents are a.s.r., DAS, Hiscox, Nationale-Nederlanden and Menzis. Freelancers Union is listed as an others. FNV Zelfstandigen is listed as a direct peer.
Does ZZP Netherland have an API?
No public API is recorded for ZZP Netherland.