Vaste Lasten Service

What Vaste Lasten Service does

Vaste Lasten Service (VLS) is a Dutch consumer financial advisory subscription service operating as a trading name of Totaal Advies BV, headquartered in Tilburg, Netherlands, and founded in 2009. The company helps Dutch households reduce recurring fixed costs by advising on and switching contracts across energy, telecom, insurance, mortgages, and credit products. Its stated value proposition is that members can save up to €800 per year through optimized contracts and ongoing advisory engagement.

The core product is a membership priced at €4.58 per month, paired with personalized advisory engagements initiated through a free 1.5-hour consultation. VLS claims 10,000+ successful advisories delivered since inception. The product surface extends beyond cost optimization into auto insurance (including provisional coverage), mortgage advisory, and a property purchase portal ("Zelf kopen"), all bundled under the membership. A member portal called "Mijn VLS" centralizes account access. No proprietary technology platform, AI/ML system, or automation layer is described—the service is delivered by human advisors.

VLS holds AFM registration (12040817) and Kifid membership (300.015033), the required regulatory credentials for Dutch consumer financial advice and dispute resolution. The firm employs 11-50 people, operates under founder leadership (Daan Aarts and Willem Verhoeven), and is related to a second legal entity, DAWV BV (KVK 60971924). Marketing channels are limited to content (blog), organic social, and referrals. No external funding, partnerships with named enterprises, or scale metrics beyond the lifetime advisory count are disclosed, consistent with a bootstrapped, founder-led advisory practice.

Name

Vaste Lasten Service

Legal name

Vaste Lasten Service, handelsnaam van Totaal Advies BV

Website

https://vastelastenservice.nl

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

11–50 employees

Short description

Vaste Lasten Service is a Tilburg-based Dutch consumer financial advisory subscription service that helps household members optimize recurring fixed costs across energy, telecom, insurance, mortgages, and credits, claiming savings up to €800 per year.

Ownership category

akta.pro rank

Product category

Consumer Financial Advisory

NAICS

All Other Support Services (561990)

SIC

Services-Membership Organizations (8600), Services-Management Consulting Services (8742)

akta.pro industry

PRIMARYFSAEAAAN

Private Client/High-Net-Worth Advisory

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Investment Advisory & Financial Planning

SECONDARYFSAAABAO

Digital/Hybrid Private Wealth (Robo-Enabled HNW Service)

Financial & Insurance/Asset & Wealth Management/Private Banking & HNW/UHNW Wealth Management

Keywords

• Consumer financial advisory
• Fixed cost optimization
• Energy comparison services
• Mortgage advisory
• Insurance advisory

Headquarters

HQ city

Tilburg

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Membership fees: Members pay a recurring monthly fee of €4.58. In return they receive continuous comparison of fixed-cost suppliers, proactive outreach when better deals arise, annual optimization, and access to advisors for free consultation on new products. The membership is continuously cancelable.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Vaste Lasten Service operates a membership-based financial advisory service for Dutch households, charging €4.58 per month to continuously compare and optimize suppliers across energy, internet/TV, mobile telephony, insurance (property, health, life), mortgages, and credits. Members receive annual contract reviews, proactive advisor outreach when better deals emerge, a free 1.5-hour advisory consultation per prospect, and access to an online member portal for account management.

Product overview

Vaste Lasten Service is a Dutch financial advisory company operating as a single unified service (not a platform-plus-modules architecture). The core offering is a membership-based fixed costs optimization service where advisors continuously compare suppliers across categories including energy, internet/TV, mobile, insurance, mortgages, and credits. The company also provides specialized mortgage advisory services and provisional auto insurance coverage. All services are delivered through a membership model at €4.58/month, supplemented by mortgage advice and auto insurance products.

Differentiator

Problem solved

Functional benefit

Products and services

• Vaste Lasten Service Membership (Ledencollectief) A membership service providing annual optimization of fixed costs across categories including mobile, energy, internet/TV, insurance, mortgages, and credits. Members pay €4.58/month and receive proactive advice on better products and pricing.
• Mortgage Advisory (Hypotheekadvies) Comprehensive mortgage advice services including guidance for starters, home moving, rate optimization, and future planning, targeted at Dutch consumers seeking a mortgage.
• Auto Insurance Provisional Coverage (Voorlopige Dekking) Temporary car insurance providing 14-day provisional coverage while awaiting formal policy quotation, with WA, Limited Casco, and Full Casco options.

Quantifiable outcome

• Members save up to €800 per year on fixed costs
• +1 more outcomes

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered minor.

• EssentminorOthersEnergy supplier brand displayed on the Vaste Lasten Service website as a partner/provider whose rates are compared for members.
• VCNminorOthersEnergy supplier brand displayed on the Vaste Lasten Service website as a partner/provider whose rates are compared for members.
• KPNminorOthersTelecom provider whose internet and TV packages are compared for members.
• VKG (Vereniging van Krachtige Gereedschap / Verbond van Kosters?)minorOthersVKG brand logo displayed on the website, likely a partner organization in the financial advisory or insurance space.

Scale indicators2 records

Recent moves6 records

Expansion highlights3 records

Direct peers

• Pricewise: Dutch comparison platform for energy, telecom, and insurance products; directly comparable as a consumer-facing service helping Dutch households lower recurring fixed costs, though Pricewise operates on a self-service comparison model rather than membership.
• Verzekeringssite.nl: Dutch insurance comparison and advisory platform; comparable for the insurance component of Vaste Lasten Service's fixed-cost optimization offering.
• Gaslicht.com: Dutch energy comparison and switching service; directly comparable as a consumer-focused tool for lowering one of the largest fixed-cost categories (energy) that Vaste Lasten Service also covers.
• Woolsock: Dutch collective-buying energy platform that aggregates consumer demand to negotiate better tariffs; closely comparable to Vaste Lasten Service's collective membership / network-effect approach, particularly in the energy category.
• Independer: Major Dutch comparison and advice platform for insurance, energy, and financial products; directly comparable as a consumer intermediary in the same fixed-cost categories Vaste Lasten Service covers, with both advisory and comparison components.
• MoneyView: Dutch financial product comparison and rating specialist covering mortgages, insurance, and savings; comparable for the mortgage and insurance advisory overlap with Vaste Lasten Service.
• De Hypotheker: Largest Dutch independent mortgage advisory franchise network; directly comparable for the mortgage advisory component of Vaste Lasten Service's offering.

Broad incumbents

• Nationale-Nederlanden: Major Dutch insurance and financial services provider; comparable as an established player in the insurance and mortgage categories that Vaste Lasten Service advises consumers on, though NN is a product provider rather than an intermediary.
• Consumentenbond: Established Dutch consumer organization providing comparison, advice, and advocacy across energy, insurance, telecom, and mortgages; comparable as a trusted consumer advisor across overlapping categories but with a not-for-profit model and broader editorial scope.
• ANWB: Large Dutch membership organization offering energy, insurance, and roadside services to consumers; broadly comparable as a membership-driven consumer service club, though much larger and more diversified than Vaste Lasten Service.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/vastelasten
• Facebookfacebook.com/vastelasten
• LinkedInlinkedin.com/company/vaste-lasten-service

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Vaste Lasten Service