Non Nobis

What Non Nobis does

Non Nobis (Stichting Vastgoed Non Nobis) is a Dutch social real estate foundation headquartered in Cothen, Netherlands, established in 2003 from the merger of two predecessor foundations that began financing social real estate in the 1970s. The foundation provides mortgage loans (Hypothecaire Leningen), short-term bridge financing (Overbruggingsfinanciering), guarantees (Borgstellingen), and advisory services (Adviesdiensten) to legal entities — foundations, associations, and cooperatives — whose projects serve social, ecological, or cultural purposes. Target sectors include social care (addiction care, elderly and dementia care, social shelter), alternative education (state-free schools, Waldorf/anthroposophical schools), childcare, community development, and intergenerational housing, all on a Netherlands-only basis.

The foundation operates as a revolving fund (revolverend fonds), explicitly modeled alongside the Dutch Restauratiefonds and Groenfonds. Its pricing mechanics include interest tied to the 1-year Euribor rate (with a non-negative floor), a variable solidarity fee that builds reserves for risk coverage of future projects, a one-time closing fee of approximately 1% of the financed amount, and a guarantee fee tied to the 6-month Euribor rate. Non Nobis also purchases real estate directly and leases it to social organizations, generating rental income. Early-stage projects are refinanced by regular banks once they become bankable, allowing Non Nobis to redeploy capital into new social initiatives.

The go-to-market is relationship-driven and sales-led: initiative takers approach Non Nobis directly, and the foundation assesses projects against social mission criteria before extending financing. Non Nobis co-finances alongside Dutch banks rather than competing with them, and increasingly positions itself as a counter-cyclical partner ahead of Basel IV implementation in 2027, which is expected to tighten bank financing for social real estate. Marketing channels are minimal — primarily the website, newsletter, and direct outreach — consistent with the foundation's small governance structure and niche positioning.

Name

Non Nobis

Legal name

Stichting Vastgoed Non Nobis

Website

https://non-nobis.nl

Company type

Private

Founded year

2003

Operating status

Operating

Short description

Non Nobis is a Dutch social real estate foundation that provides mortgage loans, bridge financing, guarantees, and advisory services to foundations, associations, and cooperatives running social, ecological, and cultural projects in the Netherlands, operating as a revolving fund.

Ownership category

akta.pro rank

Product category

Social Real Estate Financing

NAICS

Real Estate Credit (522292), Mortgage and Nonmortgage Loan Brokers (52231), Lessors of Nonresidential Buildings (except Miniwarehouses) (53112), Lessors of Residential Buildings and Dwellings (53111)

SIC

Lessors Of Real Property, Nec (6519), Investors, Nec (6799)

akta.pro primary industry

Community Development & Affordable Housing Funds (FSANAJAK)

akta.pro secondary industries

Affordable Housing & Community Development (Housing, Community Land Trusts) (BPAGALAC), Development Finance, Guarantees & Blended Finance Programs (BPADABAM)

Keywords

• Social real estate financing
• Mortgage loans
• Bridge financing
• Guarantee services
• Community development lending

Headquarters

HQ city

Zeist

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Operations, Personnel, Infrastructure, Others

Revenue model

1. Loan Interest: Interest is charged on loaned amounts. The interest rate equals the 1-year Euribor rate, with the caveat that Non Nobis's rate cannot be negative. Interest is intended to maintain the capital of Non Nobis.
2. Solidarity Fee: An additional fee charged on top of interest to build reserves for covering risks of early-stage project financing. After deducting costs, this fee is placed in a separate Non Nobis fund. Successful projects thus contribute to financing future projects.
3. Closing Fee: A one-time fee charged when a loan or guarantee is concluded, covering processing of financing requests and advisory services. Usually amounts to 1% of the total financing provided through Non Nobis.
4. Guarantee Fee: For guarantees provided, a guarantee fee is charged equal to the 6-month Euribor rate, as Non Nobis keeps the guaranteed amount available for the project and cannot use it for other projects.
5. Property Rental Income: Income from renting out real estate properties acquired by the foundation to social organizations.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Non Nobis is a Dutch social real estate foundation that provides mortgage loans, bridge financing, and guarantees to social organizations, foundations, associations, and cooperatives for purchasing and developing real estate. Operating as a revolving fund, it fills the financing gap left by traditional banks by accepting higher-risk social projects, supporting initiatives in healthcare, education, childcare, and community development until they become self-sustaining and bankable.

Product overview

Non Nobis (Stichting Vastgoed Non Nobis) is a social real estate foundation that provides financing services to organizations contributing to positive societal, ecological, and cultural change. The core offering consists of mortgage loans (Hypothecaire Leningen) and bridge financing (Overbruggingsfinanciering) for social projects, supplemented by guarantee services (Borgstellingen) and advisory support (Adviesdiensten). Non Nobis functions as a co-financier and revolving fund, supporting initiatives in healthcare (including addiction care, elderly care), education (alternative schools), childcare, and community housing until projects become self-sufficient and eligible for regular bank financing.

Differentiator

Problem solved

Functional benefit

Products and services

• Hypothecaire Leningen (Mortgage Loans)
• Overbruggingsfinanciering (Bridge Financing)
• Borgstellingen (Guarantees)
• Social Real Estate Development

Named customers6 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core, major and minor.

• Strategic Partners in Social Real EstatecoreStrategic or Co-development PartnerNon Nobis collaborates with strategic partners focused on social real estate to strengthen their investment capacity and enable project realization. These partners help Non Nobis attract external capital to deploy in social projects.
• Woningcorporaties (Housing Corporations)majorStrategic or Co-development PartnerNon Nobis collaborates with housing corporations to develop social housing and community projects. These partnerships leverage the expertise and reach of housing corporations in the Dutch real estate market.
• Overheden (Governments)majorStrategic or Co-development PartnerNon Nobis partners with government entities to realize social projects. Government support helps legitimize and enable community initiatives that may not qualify for traditional financing.
• LieveGoedGroepminorStrategic or Co-development PartnerThe Arta addiction care initiative, which was originally supported by Non Nobis's predecessor organizations, merged into LieveGoedGroep. This represents a historical partnership where the social initiative grew and became independent.
• Restauratiefonds and GroenfondsminorStrategic or Co-development PartnerNon Nobis develops similarly to these revolving funds, but with a different risk profile and emphasis on sustainable social and investment returns. These are reference organizations in the Dutch social finance space.

Scale indicators2 records

Recent moves7 records

Expansion highlights4 records

Direct peers

• Stichting DOEN: Dutch impact foundation providing grants, debt, and equity to social entrepreneurs, including in sustainable real estate and community development. Closely comparable as a Dutch non-bank impact capital provider with social-mission underwriting.
• Nationaal Groenfonds: Dutch revolving green fund explicitly cited by Non Nobis as a structural reference point. Both operate revolving capital pools financing sustainability-linked real estate projects in the Netherlands.
• Start Foundation: Dutch impact foundation supporting social enterprises and community initiatives through financing and advisory. Directly comparable as a Dutch foundation deploying capital to social-purpose organizations.
• Restauratiefonds (Nationaal Restauratiefonds): Dutch revolving heritage restoration fund explicitly named by Non Nobis as a comparable model. Both deploy revolving capital into Dutch real estate preservation/development, recycling principal as projects complete.

Broad incumbents

• KfW (Kreditanstalt für Wiederaufbau): German state development bank providing subsidized, mission-driven financing including for social housing and community real estate. Comparable as a development finance institution with blended-finance and guarantee products.
• Triodos Bank: Dutch sustainable bank financing social enterprises, sustainable real estate, and impact initiatives. Non Nobis's chairman previously served in director roles at Triodos, and both occupy the Dutch social-finance ecosystem with overlapping project pipelines.
• FMO (Dutch Entrepreneurial Development Bank): Dutch development finance institution providing debt and guarantees to entrepreneurs in emerging markets and to Dutch social enterprises. Comparable as a non-development-bank provider of risk-tolerant financing and guarantees to underserved borrowers.
• Rabobank Foundation: Dutch bank-affiliated foundation financing social enterprises and community initiatives in the Netherlands. Comparable mission and Dutch focus, with the backing of a major bank rather than operating as an independent foundation.
• ASN Bank: Dutch sustainable bank with explicit social and ecological investment mandates. Overlaps with Non Nobis in financing Dutch social real estate and impact-driven borrowers.

Emerging players

• B Corp Bouwgroep: Emerging Dutch impact-oriented real estate developers and operators active in social housing and community projects; partial overlap with Non Nobis on the Dutch social-real-estate deal flow.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Non Nobis