CTE

What CTE does

CTE Products & Leasing B.V., operating under the Productlease brand, is a Dutch lease broker and advisor founded in 1994 and headquartered in Amsterdam (Van Eeghenstraat 84). The company intermediates between end customers — primarily Dutch small and mid-sized businesses and non-profit organizations — and undisclosed funding companies (leasemaatschappijen) that provide the actual lease capital. CTE does not underwrite leases or hold assets on its own balance sheet; it originates requests, runs the acceptance process with funding partners, and shepherds the transaction through to contract signing. Its core technology is essentially non-existent as a product: the firm runs a WordPress-based marketing site (productlease.nl), supports phone/WhatsApp/email intake, and performs manual credit adjudication against a fixed underwriting checklist (minimum €75,000 annual revenue, 1.5+ years operating history, positive equity, healthy investment-to-results ratio).

The product portfolio is structured around five lease constructs: Operational Lease (off-balance "huur" with monthly/quarterly VAT-included invoices), Financial Lease (on-balance, full VAT billed upfront, economic ownership at delivery), Sale and Lease Back (asset monetization for working capital, which the company explicitly notes has grown since COVID-19), Zakelijk Laag-Hoog Lease (seasonal/variable payment structures), and Lease van Gebruikt Materieel (refurbished equipment). These cover equipment categories including IT, fitness, healthcare, industrial machinery, technical installations, security, transport, and production assets. The company is registered as a Besloten Vennootschap (Dutch private limited), is privately held with no disclosed investors or subsidiaries, and operates with a headcount band of 1–10 employees.

The revenue model is brokerage-based: CTE earns transaction or origination fees on leases it places with funding partners, rather than earning spreads on funded assets. Pricing is entirely quote-based with no published tiers; customers initiate contact via website, phone, or WhatsApp. Go-to-market is consultative, sales-led, and exclusively domestic (Netherlands). Distribution relies on direct advisory relationships, with marketing limited to the company website. There is no evidence of digital marketing, content funnels, or third-party channels. With no funding rounds, M&A, leadership disclosures, product launches, or technology investments in the source material, the business presents as a stable, single-country brokerage operation rather than a scaling platform.

Name

CTE

Legal name

CTE Products & Leasing B.V.

Website

https://cte.nl

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

1–10 employees

Short description

CTE Products & Leasing B.V. (Productlease) is a Dutch lease broker founded in 1994 that intermediates between Dutch SMBs and non-profits and undisclosed funding companies, offering operational, financial, sale-and-leaseback, variable-payment, and used-equipment lease structures.

Ownership category

akta.pro rank

Product category

Equipment Leasing Services

NAICS

Commercial and Industrial Machinery and Equipment Rental and Leasing (5324)

SIC

Finance Lessors (6172), Services-Equipment Rental & Leasing, Nec (7359)

akta.pro primary industry

Equipment & Tool Leasing (Consumer) (FSAKANAF)

akta.pro secondary industry

Lease Servicing, Management & Remarketing (Consumer) (FSAKANAL)

Keywords

• Equipment leasing services
• Lease brokerage
• Operational leasing
• Financial leasing
• Sale leaseback

Headquarters

HQ city

Amsterdam

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Operational Lease (Huur): Off-balance financing where leased objects remain on the lessor's balance sheet. Customers pay monthly or quarterly amounts including VAT. Provides accessibility advantages as it does not impact the customer's solvency ratios. After lease term, customers may acquire ownership of the object.
2. Financial Lease: On-balance financing where customer becomes economic owner immediately upon delivery. Full VAT is invoiced at the start of the agreement along with the first term payment. Customer gains full legal ownership only after all contractual obligations are fulfilled.
3. Sale and Lease Back: Customers sell owned objects to the leasing company and lease them back with a purchase option. This frees up capital from existing assets and has gained popularity since COVID-19 for working capital needs.
4. Zakelijk Laag-Hoog Lease: Variable lease structures with low-high payment configurations, including seasonal lease options. Customized financing arrangements that adapt to customer business cycles.
5. Used Equipment Lease: Lease financing for second-hand, well-maintained, or refurbished machinery. Lower acquisition costs result in lower monthly payments compared to new equipment.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

CTE Products & Leasing B.V. (brand: Productlease) is a Dutch lease broker and advisor that connects business customers and non-profit organizations with funding companies for equipment financing. The company brokers operational lease, financial lease, sale-and-leaseback, variable (low-high) lease, and used equipment lease transactions for assets such as IT infrastructure, fitness equipment, healthcare devices, technical installations, security systems, transport vehicles, and production machinery.

Product overview

Productlease, operated by CTE Products & Leasing B.V., is a lease brokerage and advisory service established in 1994. The company offers a portfolio of lease financing solutions including Operational Lease (off-balance funding), Financial Lease, Sale and Lease Back, Zakelijk Laag-Hoog Lease, and Lease of Used Equipment. These products target the business market and non-profit organizations for financing various equipment categories including IT/Informatica, fitness equipment, healthcare devices, industrial work equipment, technical installations, security systems, transport, and production equipment.

Differentiator

Problem solved

Functional benefit

Products and services

• Operational Lease

Quantifiable outcome

• Process can often be completed in a few days
• +1 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves4 records

Expansion highlights3 records

Broad incumbents

• DLL (De Lage Landen): Rabobank-owned global vendor finance and equipment leasing company headquartered in the Netherlands; directly comparable as a Dutch equipment-lease provider for business customers across IT, healthcare, and industrial assets.
• BNP Paribas Leasing Solutions: European business equipment leasing specialist with a strong presence in the Netherlands; offers vendor and direct equipment finance across IT, healthcare, and industrial categories overlapping with CTE's verticals.
• Société Générale Equipment Finance: Major European equipment finance provider operating across multiple asset classes; comparable to CTE in B2B equipment lease structuring and Dutch market activity.
• Hitachi Capital (now Mitsubishi HC Capital): Large non-bank equipment lessor with European presence serving SMEs in IT, industrial, and healthcare assets; comparable in vertical mix to CTE.
• ABN AMRO Lease: Leasing offering from one of the Netherlands' largest banks, providing operational and financial lease solutions to Dutch SMEs — directly competing with CTE's target segment.
• ING Lease: Lease and equipment-financing arm of ING Bank serving Dutch SMEs with both operational and financial lease products; overlaps with CTE in customer profile and product structures.
• Rabobank Lease: Rabobank's leasing arm, providing equipment finance to Dutch SMEs via operational and financial lease — overlapping with CTE's core offering despite bank-channel delivery.

Emerging players

• FGA Capital / FCA Bank: Captive equipment finance provider in transport/vehicle leasing with European operations; adjacent player in one of CTE's stated equipment categories (transport).

Direct peers

• GRENKE: German-based specialist in SME equipment leasing (IT, office equipment, healthcare, fitness) with European footprint; small-ticket B2B leasing model closely resembles CTE's positioning.
• AKLease (AKros & Altium Lease): Independent Dutch equipment leasing company focused on SMEs across IT, medical, and industrial; one of the closest direct competitors to CTE on customer profile and product set.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

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 CTE