Van Campen & Dijkstra

What Van Campen & Dijkstra does

Van Campen & Dijkstra is an independent financial advisory firm headquartered in Gorredijk, Friesland, offering insurance, mortgage, banking, business financing, and wealth growth services to private individuals and small-to-medium enterprises across northern Netherlands. The firm operates from nine branch locations (expanding to ten in June 2026 with the SAA Friesland acquisition) across Friesland and Steenwijk, delivering advice through face-to-face consultations, home visits, and a digital client portal. It is an authorized independent financial advisor of ASN Bank, distributing payment accounts, savings accounts, and youth accounts through its branch network, and works with multiple lenders including Woonfonds, ING, ABN Amro, Florius, Hypotrust, Rabobank, and others for mortgage placement. The firm also operates an in-house volmachtbedrijf (binding authority) for direct policy administration and a dedicated claims handling department.

The firm's revenue model is built on four primary streams: insurance advisory and brokerage commissions (acting as an independent broker across multiple insurers), mortgage advisory fees (with free initial orientation consultations), ASN Bank referral and advisory fees for customer acquisition and ongoing service, and business financing advisory fees generated through VCD Zakelijk Financieren (established in early 2024 with specialist Christiaan van der Molen). The client base is split between private individuals (Particulier) — including first-time buyers, movers, and homeowners seeking sustainability upgrades — and regional SMBs (MKB/Zakelijk) across retail, hospitality, construction, and professional services. Customer acquisition is highly local, relying on word-of-mouth referrals, community networks, accountant partnerships (e.g., Bontes Finance), local events, and SEO-optimized location-specific web pages.

Söderberg & Partners, a Swedish financial services firm, holds a minority stake in Van Campen & Dijkstra, providing expertise in risk management, employee benefits, and financial analysis in support of the firm's growth strategy in northern Netherlands. The firm has no disclosed proprietary technology platform or AI/ML capabilities; its technical infrastructure is limited to a digital client portal, digital correspondence handling, and standard web presence. Recent strategic moves include the acquisition of SAA Friesland in Sneek (effective 1 June 2026), the establishment of the VCD Zakelijk Financieren business financing vertical, and an official partnership with the Veste Harlingen new-build residential development project.

Name

Van Campen & Dijkstra

Legal name

Van Campen & Dijkstra

Website

https://vancampendijkstra.nl

Company type

Private

Founded year

1982

Operating status

Operating

Headcount range

51–100 employees

Short description

Van Campen & Dijkstra is an independent financial advisory firm providing insurance, mortgage, banking, business financing, and wealth management services to private individuals and SMBs across Friesland and northern Netherlands through nine branch locations, with ASN Bank partnership and Söderberg & Partners minority backing.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Fee-Based Advisory (FSAEAAAM)

akta.pro secondary industry

Debt Advisory & Financing Advisory (FSAEAGAD)

Keywords

• Independent financial advisory
• Mortgage advisory services
• Insurance brokerage services
• Business financing advisory
• Wealth growth advisory

Headquarters

HQ city

Gorredijk

HQ country

Netherlands

HQ region

Europe

Offices10 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance advisory and brokerage commissions: Van Campen & Dijkstra earns commissions and fees from placing insurance products (property, casualty, life, health) for both private and business clients. The firm acts as an independent broker, advising and placing coverage with multiple insurers.
2. Mortgage advisory fees: The firm provides independent mortgage advisory services, comparing offerings from dozens of lenders. Fees may be charged for financial scans, feasibility checks, and advisory consultations, though initial orientation meetings are offered free of charge.
3. Banking product distribution (ASN Bank): As an independent financial advisor of ASN Bank, the firm supports the opening of bank accounts, savings accounts, and payment services. Revenue derives from referral and advisory fees paid by ASN Bank for customer acquisition and ongoing service.
4. Business financing advisory: The firm provides business financing advisory and brokerage services, helping enterprises secure loans, leases, and other financing structures through relationships with banks and alternative lenders. Revenue is generated through advisory fees and brokerage commissions.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Van Campen & Dijkstra is an independent financial advisory firm offering personal insurance, business insurance, mortgage advisory, daily banking (as independent advisor of ASN Bank), business financing, and wealth growth advisory services. Advisory and brokerage services are delivered face-to-face from 9-10 branch offices across Friesland and Steenwijk, supported by an in-house volmachtbedrijf, a claims handling team, and a digital client portal.

Product overview

Van Campen & Dijkstra operates as a multi-service financial advisory firm offering insurance, mortgages, banking, business financing, and wealth management across northern Netherlands. The company functions as an independent financial advisor for ASN Bank and provides advisory services for personal and business insurance, mortgage consultations, and commercial lending. Services are delivered through a network of approximately 9 branch locations in the Friesland region (Burgum, Drachten, Gaasterlân, Gorredijk, Grootegast, Harlingen, Marum, Sneek, and Steenwijk). The company recently expanded through acquisition of SAA Friesland in Sneek (June 2026) and partners with Söderberg & Partners for operational support.

Differentiator

Problem solved

Functional benefit

Products and services

• Particuliere Verzekeringen (Personal Insurance) Independent personal insurance advisory and placement covering health, property, life risk, survivor, funeral, and housing-cost insurance. Clients receive bundled advice across all personal insurance lines with annual review and a single contact person.
• Zakelijke Verzekeringen (Business Insurance) Independent business insurance advisory and placement for SMEs, including property, liability, mobility (commercial vehicles), continuity (business interruption), and personnel insurance lines such as building, glass, inventory and goods, computer, and valuables cover.
• Hypotheekadvies (Mortgage Advisory) Independent mortgage advisory for home purchases, renovations, sustainability upgrades, and equity release, comparing offerings across Woonfonds, ING, ABN Amro, Florius, Hypotrust, NIBC, Rabobank, Aegon, Nationale-Nederlanden, Obvion, Argenta, ASN Bank, Centraal Beheer, and a.s.r. First orientation consultation is offered free of charge.
• Bankzaken (Banking Services via ASN Bank) Distribution and advisory for ASN Bank daily banking products including payment accounts, savings accounts, and youth accounts, with online and mobile banking access supported by face-to-face advisory at branches. Available to both private individuals and business clients at 9 branch locations.
• Zakelijk Financieren (Business Financing) Business financing advisory and brokerage covering business credit, financial lease, operational lease, sale and leaseback, business acquisitions, commercial real estate, machinery and equipment financing, and working capital. Connects borrowers with traditional banks, leasing companies, crowdfunding platforms, fintech lenders, and private investors.
• Vermogensgroei (Wealth Growth) Wealth growth advisory for private clients covering investing, saving, and supplementary pension planning, delivered on a personalised basis by advisor Pauline Kuiper.

Named customers2 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered major, core, minor and supporting.

• SAA Friesland (SAA Verzekeringen)majorStrategic or Co-development Partner · 1 June 2026Van Campen & Dijkstra acquired SAA Friesland in Sneek effective 1 June 2026. SAA Friesland was part of SAA Verzekeringen, one of the largest independent insurance advisors in the Netherlands, also operating within the Söderberg & Partners network. The acquisition consolidates two Söderberg & Partners network members in the Sneek area under a single structure.
• ASN BankcoreChannel Partner/ Reseller/ DistributorVan Campen & Dijkstra is an independent financial advisor (zelfstandig financieel adviseur) of ASN Bank. The firm resells ASN Bank products including payment accounts, savings accounts, and youth accounts through its branch network. ASN Bank is a values-driven Dutch bank focused on sustainability and ethical investing.
• Veste Harlingen (project development)minorStrategic or Co-development PartnerVan Campen & Dijkstra is an official partner of the Veste Harlingen new-build residential development project (approximately 300 homes). The firm provides prospective buyers with free financial feasibility checks and mortgage advisory, acting as a preferred financial partner for the project's buyers.
• Rabobank, ING, ABN AmrosupportingChannel Partner/ Reseller/ DistributorVan Campen & Dijkstra works with traditional banks including Rabobank, ING, and ABN Amro alongside ASN Bank for mortgage and business financing placements. These relationships enable the firm to offer independent comparisons across multiple lenders.
• Woonfonds, Florius, Hypotrust, Obvion, Argenta, NIBC, Aegon, Nationale-Nederlanden, Centraal Beheer, a.s.r.supportingChannel Partner/ Reseller/ DistributorVan Campen & Dijkstra lists partnerships with multiple Dutch mortgage providers and insurers including Woonfonds, Florius, Hypotrust, Obvion, Argenta, NIBC, Aegon, Nationale-Nederlanden, Centraal Beheer, and a.s.r. These providers are featured on the Veste Harlingen mortgage partners page, indicating active distribution relationships.
• Bontes FinanceminorChannel Partner/ Reseller/ DistributorAccountant and business advisor Bontes Finance (Stephan Bontes) refers entrepreneurial clients to Van Campen & Dijkstra for business financing and insurance services, while Van Campen & Dijkstra refers clients needing accounting support back to Bontes Finance. Reynold Bontes is also the owner of the Van Campen & Dijkstra office in Harlingen, creating an interconnected referral relationship.

Scale indicators2 records

Recent moves8 records

Expansion highlights5 records

Broad incumbents

• ING Bank: ING is a major Dutch bank offering mortgages, banking, and insurance products and a distribution partner of VCD. Comparable in the Dutch mortgage and personal banking market, though ING offers these products through its own captive channels rather than independent advisory.
• Rabobank: Rabobank is one of the largest Dutch banks and a distribution partner of Van Campen & Dijkstra for mortgage placements. Comparable as a provider of banking, mortgage, and insurance products in the same Dutch market, but operates at vastly greater scale and with captive (rather than independent) advisory.
• ASR Nederland: ASR Nederland is one of the largest Dutch insurance groups and a distribution partner of VCD. Comparable as a major Dutch insurance provider whose products VCD places, but operates at vastly greater scale as an insurer rather than as an advisor.

Direct peers

• Hypotheek Visie: Hypotheek Visie is a Dutch franchise network of independent mortgage advisors that also distributes insurance products. Comparable multi-product independent advisory model targeting residential mortgage customers, with similar reliance on relationships with banks and insurers as referral partners.
• Nedasco: Nedasco is a Dutch independent insurance broker and service provider serving intermediaries and corporate clients. Comparable as a Dutch independent insurance broker with volmachtbedrijf capabilities, though Nedasco operates more as a B2B services platform while VCD is more retail/SMB-facing.
• Roelse Assurantiën & Risicobeheer: Roelse is a regional Dutch independent insurance broker offering personal and business insurance with multiple branches. Comparable multi-office regional independent insurance advisor with similar reliance on carrier commissions and cross-selling into mortgages.
• De Hypotheekshop: De Hypotheekshop is a large Dutch franchise chain of independent mortgage and insurance advisors with 200+ offices nationwide. Directly comparable business model (independent advisor comparing multiple lenders and insurers for residential clients) and overlapping customer segments, with VCD operating at smaller regional scale.
• SAA Verzekeringen: SAA Verzekeringen is one of the largest independent insurance advisors in the Netherlands, formerly the parent of SAA Friesland that VCD acquired in 2026. Both operate within the Söderberg & Partners network and share the independent insurance brokerage model with multi-office regional presence.
• Van Bruggen Adviesgroep: Van Bruggen Adviesgroep is one of the largest independent financial advisory chains in the Netherlands, offering mortgage, insurance, and banking advisory through a network of franchise offices. Highly comparable to Van Campen & Dijkstra in multi-product independent advisory with strong local presence, though Van Bruggen operates at substantially greater national scale.
• Dijkhoff Assurantiën: Dijkhoff Assurantiën is a Dutch regional independent insurance broker offering personal and business insurance, mortgage, and financial advisory services. Highly comparable as a multi-product regional independent advisor in the Netherlands, though typically operating in a different geography.

Market position

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries2 records

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 Van Campen & Dijkstra