What Vive does

Vive is a Dutch fintech operating as Vive Invest B.V., a privately held investment firm licensed and supervised by the AFM and DNB and headquartered in Amsterdam. Founded in 2021 as a wealth management provider and expanded into pension investing in 2023, the company runs a unified digital platform that delivers Pensioenbeleggen (pension investing), Vermogensbeheer (wealth management), Doelbeleggen (goal-based investing), and Zakelijk Beleggen (business investing) through a mobile app and a dedicated employer web portal. Underlying the offering is a proprietary Asset Liability Management (ALM) financial model built around an internally developed Economic Scenario Generator that simulates thousands of economic scenarios per user per goal, producing per-goal personalized portfolios that are recalculated quarterly against Value-at-Risk and Impairment-to-Mission limits and held in low-cost UCITS-compliant passive index funds from Vanguard and Northern Trust.\n\nVive's commercial model combines a sales-led motion for employers and intermediaries (structured around free 30-minute expert introductory calls and a three-person sales team) with a product-led self-serve motion for individuals and the self-employed (onboarding achievable within one hour for individuals and one to two business days for businesses). Revenue is generated through a flat €7.50 monthly service-and-support fee per sponsored account plus a 0.35% annual management fee on invested balances, with underlying fund TERs of 0.04–0.09% and no transaction or deposit/withdrawal fees. The company serves four named segments — employers (startups, scale-ups, SMBs, mid-market), self-employed/ZZP/DGA professionals, individual retail investors, and financial intermediaries — in a single geography (Netherlands) and reports more than 2,500 satisfied customers across roughly 19 internal team members.

Name

Vive

Legal name

Vive Invest B.V.

Website

https://viveapp.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

Vive is a Dutch fintech that operates an AFM/DNB-licensed digital pension and wealth management platform for individuals, self-employed professionals, SMB employers, and financial intermediaries in the Netherlands, using a proprietary ALM-based engine to deliver personalized, app-based investment portfolios.

Ownership category

akta.pro rank

Product category

Digital Pension and Wealth Management

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394), Trust, Fiduciary, and Custody Activities (523991)

SIC

Investment Advice (6282)

akta.pro primary industry

Retirement Plan Participant Advice & Managed Accounts (FSAEABAF)

Keywords

• Pension management
• Wealth management
• Goal-based investing
• Retirement planning
• Asset management

Headquarters

HQ city

Amsterdam

HQ country

Netherlands

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Wealth Management and Pension Asset Management Fees: Vive charges a fixed annual management fee (beheerfee) plus fund costs. The fee is deducted monthly in arrears from the investment account. Vive also earns a fixed monthly service and support fee per sponsored account. No separate transaction fees are charged for deposits or withdrawals.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels9 records

Core offering

Vive is a Dutch digital pension and wealth management platform that delivers personalized, automated investment strategies for retirement savings, wealth accumulation, goal-based investing, and corporate treasury. The service is built on a proprietary Asset Liability Management (ALM) financial model with an internally developed Economic Scenario Generator that creates a unique portfolio for each user and each financial goal, investing primarily in low-cost passive UCITS-compliant index funds from Vanguard and Northern Trust. Vive distributes its products through a mobile app for individuals and employees, a web-based employer portal for businesses, and a direct sales team targeting Dutch employers, self-employed professionals (ZZP/DGA), and financial intermediaries.

Product overview

Vive is a Dutch fintech company offering pension and wealth management services through a unified mobile app platform. The core product portfolio consists of Pensioenbeleggen (Retirement Investing), Vermogensbeheer (Wealth Management), Doelbeleggen (Goal-based Investing), and Zakelijk Beleggen (Business Investing), supported by the Vive App platform. Additional offerings include the Werkgeversportaal (Employer Portal) for business clients and various Pensioen modules targeting specific segments (employees, entrepreneurs, ZZP, DGA). The platform provides Rekentools (Calculator Tools) for financial planning. All services are integrated into a single app experience with personalized investment strategies based on ALM financial modeling.

Differentiator

Problem solved

Functional benefit

Products and services

• Pensioenbeleggen (Retirement Investing) Pension investing solution for building retirement savings with tax advantages, automated personalized investment strategies, and risk management that gradually reduces risk as retirement approaches. Available to employees of sponsoring employers, self-employed (ZZP), and directors (DGA) in the Netherlands.
• Vermogensbeheer (Wealth Management) Professional wealth management service providing personalized investment strategies based on individual financial situations, goals, and risk profiles, managed automatically through the Vive platform. Targeted at individual Dutch investors seeking discretionary portfolio management outside of pension frameworks.
• Doelbeleggen (Goal-based Investing) Goal-based investing service that creates personalized investment plans for specific financial objectives such as buying a house, with custom strategies tailored to each goal's timeline and risk requirements. Each goal receives an independently calculated portfolio.
• Zakelijk Beleggen (Business Investing for BVs) Investment services for Dutch businesses (BVs) allowing companies to invest corporate funds with professional management and institutional-grade strategies through the Vive platform.
• Werkgeversportaal (Employer Portal) Employer dashboard for managing employee pension plans, onboarding and offboarding staff, setting per-employee contribution levels, and viewing employee participation and administration across the company's sponsored pension program.

Quantifiable outcome

• Accounts can be set up within 1 hour for individuals and within 1-2 business days for companies after CDD/KYC completion
• +3 more outcomes

Named customers9 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature7 records

Partnerships

Four partnerships are on record, tiered core and minor.

• VanguardcoreTechnology or IntegrationVive invests client assets in Vanguard index funds as part of its portfolio construction. Vanguard is one of the fund providers referenced alongside Northern Trust, selected based on low costs, liquidity, risk profile, and sustainability criteria.
• Northern TrustcoreTechnology or IntegrationVive invests client assets in funds managed by Northern Trust as part of its portfolio strategy. Northern Trust is selected alongside Vanguard for its institutional-grade passive index fund offerings, meeting Vive's criteria for low costs, liquidity, and ESG compliance.
• Vive Custody B.V.coreStrategic or Co-development PartnerVive Custody B.V. is a separate legal entity that serves as the independent custodian for client assets, ensuring vermogensscheiding (asset segregation) in compliance with Dutch law. In the event of Vive's insolvency, client assets held by Vive Custody B.V. are protected and do not fall into Vive's bankruptcy estate.
• Rockstart (Accelerator)minorGTM or Marketing PartnerRockstart is listed as a customer logo on Vive's website. Given Rockstart's role as an accelerator, the relationship likely includes referral or co-marketing, with Rockstart portfolio companies being introduced to Vive's pension services.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Nationale-Nederlanden: Nationale-Nederlanden (NN Group) is a major Dutch life insurance and pension provider that owns BeFrank - a broad incumbent with both traditional and digital pension offerings competing for employer-sponsored accounts alongside Vive.
• PGGM: PGGM is a major Dutch pension administrator managing €250B+ for the PFZW scheme - represents the deep-pocketed incumbent model Vive competes against when targeting Dutch employers seeking pension providers.
• Aegon: Aegon is a large Dutch insurance and pension provider with both traditional pension products and a digital offering via Knab - comparable as a broad incumbent in Dutch pension provision even though Vive is much smaller and more focused.
• DEGIRO: DEGIRO is a leading Dutch (now part of flatexDEGIRO) low-cost brokerage serving Dutch retail investors with self-directed investing tools - comparable Dutch self-serve investor base though it offers execution-only trading rather than advised portfolio management.
• APG: APG is the largest Dutch pension administrator managing €600B+ across multiple large Dutch pension funds - a key incumbent whose scale, employer relationships, and WTP-readiness pose the most significant competitive threat to Vive in mid-market deals.

Direct peers

• BeFrank: BeFrank (NN Group subsidiary) is a Dutch digital pension provider offering employer-sponsored pension plans via an online platform - the most direct online-only incumbent competing against Vive for the same Dutch employer and self-employed segments.
• BrandNewt: BrandNewt is the closest Dutch pension/wealth fintech peer to Vive - it offers a similarly ALM-driven, app-based pension and wealth management platform targeting Dutch employers and individuals, with comparable per-goal portfolio optimization and pension focus.

Emerging players

• Scalable Capital: Scalable Capital is a fast-growing European digital wealth management platform offering automated portfolio management and brokerage across Germany and broader Europe - a comparable European robo-advisor in technology and product set even though it is not active in Dutch pensions.
• Curvo: Curvo is a Belgian fintech offering personalized, goal-based ETF investment portfolios for long-term savers - comparable European robo-advisor positioning focused on retail investors building long-term wealth, similar to Vive's doelbeleggen product.
• Moneyfarm: Moneyfarm is a UK/Italian digital wealth manager offering personalized, advised robo portfolios to retail investors - similar goal-based, app-led wealth management model though it operates in the UK/Italian retail wealth market rather than Dutch pensions.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/Vive_App
• LinkedInlinkedin.com/company/viveapp

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries1 record

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 Vive