What zkr. does

zkr. is a Dutch software company, founded in 2020 and headquartered in The Hague, that provides an all-in-one KYC/KYB compliance platform purpose-built for organizations subject to the Dutch Wwft (Anti-Money Laundering and Terrorist Financing Prevention Act). The platform consolidates PEP, sanctions and adverse media screening, UBO extraction, customer acceptance workflows, continuous 24/7 monitoring, online identification (iDIN, IBAN-Name Check, ID-scan with liveness detection), credit management, and legal tools (GDPR packages, digital signing, Wwft e-learning) into a single configurable system. It serves regulated Dutch professionals across fourteen verticals including accountants, notaries, trust offices, real estate brokers, lawyers, tax advisors, wealth managers, cryptocurrency firms, casinos, leasing companies, and domicile service providers.

The underlying technology integrates structured data sources (KvK trade register, international commercial registers, credit bureaus) with AI-powered adverse media screening using natural language understanding tuned for Germanic languages and automated document recognition for identity and corporate documents. The platform is an official partner of the KvK (Dutch Chamber of Commerce) and offers deep integrations with seven major Dutch CRM/ERP systems (Simplicate, AFAS, Exact Online, Faster Forward, Kolibri, Realworks, Property to Market) plus a public API. ISO 27001 certified, zkr. emphasizes automation (claiming up to 80% time reduction per Wwft check) and has processed over 25 million compliance checks across 8,000+ users in Europe.

zkr. operates a modular SaaS subscription model with quote-based pricing and annual billing cadence, where customers pay only for the modules they use. The go-to-market is sales-led, combining personalized demos for larger firms with near self-service onboarding via the Wwft Workflow Wizard for smaller customers. Distribution leverages Dutch CRM/ERP partnerships as indirect channels into installed bases, particularly Realworks, which covers roughly 80% of Dutch brokers. In October 2025, zkr. closed a €6 million investment from Pieter Schoen to accelerate platform development and expand across Europe.

Name

zkr.

Legal name

zkr

Website

https://zkr.nl

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

zkr. is a Dutch SaaS platform, founded in 2020, providing all-in-one KYC/KYB and Wwft compliance automation for regulated Dutch professionals including accountants, notaries, trust offices, real estate brokers, and wealth managers across 14+ verticals, serving 8,000+ European users.

Ownership category

akta.pro rank

Product category

Regulatory Compliance Software (AML / KYC)

NAICS

Investigation and Personal Background Check Services (561611)

SIC

Services-Engineering, Accounting, Research, Management (8700)

akta.pro primary industry

KYC/KYB & Customer Onboarding (CIP, beneficial ownership, screening) (FSAGAFAB)

akta.pro secondary industries

Beneficial Ownership (UBO) & Corporate Registry Verification (KYB) (FSAMAMAK), Data, Evidence & Document Verification (IDV) for KYC (FSAMAMAN), Ongoing Monitoring & Periodic Reviews (KYC Refresh) (FSAMAMAL), KYC/KYB Identity Verification & Onboarding (FSADALAA)

Keywords

• Compliance automation software
• Kyc compliance platform
• Wwft compliance solutions
• Aml regulatory technology
• Customer onboarding software

Headquarters

HQ city

Den Haag

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. SaaS Platform Subscription: zkr. operates on a modular SaaS subscription model. Customers start with the functionality they need at that moment (e.g., KYC or digital onboarding) and expand to a full Wwft compliance solution as required. Customers pay only for the modules they use, and the platform grows with the organization. Pricing is quote-based and not publicly disclosed.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels8 records

Core offering

zkr. is an all-in-one KYC/KYB compliance automation platform built for Dutch Wwft-obliged institutions. It automates client onboarding, identity verification, PEP/sanction screening, UBO extraction, credit checks, ongoing monitoring, and regulatory reporting for Dutch professional service firms including accountants, tax advisors, notaries, trust offices, real estate brokers, wealth managers, and lawyers.

Product overview

zkr. is a Dutch all-in-one KYC/KYB compliance software platform built for Wwft-obliged institutions such as accountants, administrators, tax advisors, trust companies, notaries, real estate brokers, lawyers, cryptocurrency firms, and other regulated businesses. The platform combines Compliance, Online Identification, Credit Management, and Legal solutions into one centralized system. Key modules include the Compliance suite (PEP/sanction checks, adverse media monitoring, UBO extraction, customer acceptance workflows, automated registry monitoring, and SIRA management), Online Identification tools (iDIN, IBAN-Naam Check, ID-scan with liveness detection), Credit Management (consumer and business credit reports, CCBR, CIR), and Legal tools (GDPR packages, digital signing, Wwft e-learning). The platform also includes the Wwft Workflow Wizard for automating compliance processes and integrates with CRM and ERP systems including Simplicate, AFAS, Exact Online, Faster Forward, Kolibri, Property to Market, and Realworks. A public API is available for developer integrations.

Differentiator

Problem solved

Functional benefit

Products and services

• zkr. Compliance Platform (KYC/KYB) Modular SaaS platform that automates end-to-end KYC and KYB compliance for Dutch Wwft-obliged institutions (accountants, tax advisors, notaries, trust offices, real estate brokers, wealth managers, lawyers). Performs automated client and UBO checks, continuous PEP/sanction/adverse media screening, ongoing monitoring with alerts, and produces Wwft-compliant dossiers.
• Wwft Workflow Wizard Workflow automation module built on top of the zkr. compliance platform that breaks down complex Wwft compliance procedures into three streamlined, automated workflows, reducing manual compliance handling time per client dossier.
• Online Identification Suite Identity verification module providing iDIN bank-based identification, IBAN-Naam Check (account-name verification), and ID-scan with liveness detection. Designed for Dutch regulated firms needing to verify client identities as part of KYC onboarding.
• Credit Management Suite Credit management module providing access to business credit reports, credit scores, and monitoring of client counterparties. Supports credit risk assessment as part of onboarding and ongoing review for professional service firms.
• Legal Solutions Suite Legal module bundling an AVG/GDPR compliance package, digital document signing capabilities, and Wwft e-learning courses to keep compliance staff and clients trained on regulatory obligations.

Quantifiable outcome

• 80% time savings per Wwft check (from ~60 minutes to ~12 minutes per client)
• +4 more outcomes

Named customers5 records

Segments14 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

AI capability6 records

Feature10 records

Partnerships

Eight partnerships are on record, tiered core and secondary.

• KvK (Kamer van Koophandel / Dutch Chamber of Commerce)coreTechnology or Integrationzkr. is an official KvK partner with direct access to KvK data for automated company information retrieval, UBO structure mapping, and KVK extract integration. This partnership enables automatic client data retrieval when a KvK number is entered.
• SimplicatecoreTechnology or IntegrationFull integration with Simplicate CRM environment. Allows users to view compliance data alongside CRM data in one platform, providing complete customer insight. Joint customers benefit from automatic data synchronization.
• AFAScoreTechnology or IntegrationIntegration with AFAS allowing users to check customers from their AFAS environment using real-time data from zkr. Combines two smart systems for optimal customer insight.
• Exact OnlinecoreTechnology or IntegrationIntegration with Exact Online via Exact's partner program. Enables automated synchronization of compliance data with Exact Online administration. Supports full or selective data synchronization per customer preference.
• Faster ForwardsecondaryTechnology or IntegrationIntegration with Faster Forward (software for financial service providers) providing a total overview of both compliance data and customer data in one platform.
• KolibrisecondaryTechnology or IntegrationFull integration with Kolibri (top-segment real estate broker software) eliminating the need to switch between two software systems. Couples CRM software with compliance software.
• RealworkssecondaryTechnology or IntegrationOne-way integration with Realworks (CRM for real estate brokers, used by ~80% of Dutch brokers). Allows data from Realworks to be pulled and loaded into the zkr environment for compliance purposes.
• Property to Market (Aareon)secondaryTechnology or IntegrationIntegration with Property to Market (Aareon, property management CRM). Provides combined view of property transaction data and compliance data for real estate professionals.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• ComplyAdvantage: UK-headquartered AML/KYC platform offering real-time sanction, PEP, and adverse media screening, plus transaction monitoring. Direct overlap with zkr.'s PEP/sanction screening and continuous monitoring capabilities, though serving primarily fintech and crypto firms.
• Fenergo: Irish-headquartered RegTech providing client lifecycle management (CLM) and KYC/KYB onboarding for financial institutions globally. Direct competitor in the regulated-compliance SaaS space, though focused on larger banks and tier-1 financial institutions rather than Dutch professional service firms.
• Trulioo: Canada-based global identity verification platform covering 195+ countries with business and individual verification. Competes in the KYC/KYB verification space with broader international coverage than zkr.'s Dutch-centric offering.
• Onfido: UK-based identity verification provider offering IDV, KYC, and AML screening with global document coverage. Overlaps with zkr.'s ID-scan, iDIN, and identity verification modules while serving a broader international customer base across multiple regulated industries.
• Hawk AI: German AML transaction monitoring and customer screening platform serving European banks and fintechs. Comparable as a European-headquartered AML/RegTech competitor with similar AI-driven screening capabilities for AML compliance workflows.
• Northrow: UK RegTech providing KYC, KYB, AML screening, and ongoing monitoring as a unified platform. Comparable to zkr. in offering an integrated compliance workflow platform rather than point solutions, though focused on UK/EU regulated firms.
• Veriff: Estonia-based identity verification company with strong European presence. Competes in the IDV/KYC space with similar document scanning, liveness detection, and PEP/sanction screening capabilities relevant to zkr.'s regulated professional services customers.

Emerging players

• Chainalysis: US-based blockchain analytics and AML compliance platform for crypto and digital assets. Overlaps with zkr.'s cryptocurrency vertical solutions for KYC/AML compliance, but specializes in on-chain transaction monitoring rather than Wwft-style institutional compliance workflows.

Broad incumbents

• Refinitiv World-Check (LSEG): London Stock Exchange Group's compliance data platform providing PEP, sanction, and adverse media screening used by global financial institutions. Overlaps with zkr.'s PEP/sanction/adverse media modules but operates as data infrastructure rather than a workflow platform.
• Moody's (Bureau van Dijk): Global financial data and analytics provider with Bureau van Dijk corporate ownership data used for UBO verification. Larger incumbent serving enterprise compliance customers with deeper corporate registry data, including Dutch and international commercial registers relevant to zkr.'s offerings.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/profile.php?id=100063759835066
• LinkedInlinkedin.com/company/debiteuren-zeker

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds1 record

Investors1 record

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 zkr.