What Geldfit does

Geldfit is a free Dutch financial guidance platform operated by Stichting Nederlandse Schuldhulproute (NSR), a non-profit foundation registered with the Dutch Chamber of Commerce under number 76680592 and headquartered in Zwolle, Netherlands. The platform serves Dutch residents — particularly low-income individuals, young people (18-27), and zzp'ers/small-business owners — by combining self-service online tools with personal advisory delivered via a free 0800 helpline, WhatsApp, live chat, and email, with optional anonymity. Core products include the Potjes-check (an eligibility check for unclaimed benefits and allowances), the Geldfit-test (a 2-minute guided questionnaire), the Belastingwijzer and Zakelijke test (for entrepreneurs with payment arrears and tax debts), the Checker voor jongeren (age-based youth questionnaire), and a multilingual Woordenboek (financial glossary in Dutch plus 7 other languages), supported by sub-brands 'Geldfit voor ondernemers' and 'Geldfit voor jongeren'. The underlying technology is a content- and advice-delivery website with interactive checks and calculators; no proprietary technology stack is disclosed.

Geldfit's go-to-market is direct-to-consumer and entirely free for end users, with no tiered paid plans; the service is positioned as a public resource rather than a commercial product. Acquisition is organic: an extensive SEO-optimized article library covering Dutch taxes, benefits, allowances, insurance, housing, and life-stage financial planning drives more than 150,000 monthly visitors, while referrals from municipalities, SchuldHulpMaatje volunteers, and named partners (ING, KNVB, Open over Gokken, Jeugdfonds Cultuur & Sport, Sam& voor alle kinderen, Cruks) feed the funnel at mid- and bottom-of-funnel stages. There is no paid advertising, no resellers, and no physical retail presence; distribution is digital self-serve plus direct personal contact, nationwide across the Netherlands.

The business model is non-commercial: Geldfit charges nothing to users and is funded by donations (donate.geldfit.nl) and institutional/governmental support channelled through Stichting NSR. Revenue figures are not publicly disclosed. As a non-profit foundation, Geldfit carries no outside investor ownership, no funding rounds, and no subsidiaries; it operates with 1-10 employees, indicating a lean, mission-driven operating model rather than a venture-scaled one.

Name

Geldfit

Legal name

Stichting Nederlandse Schuldhulproute

Website

https://geldfit.nl

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Geldfit is a free Dutch financial guidance platform that helps residents — especially low-income individuals, youth, and small-business owners — discover unclaimed benefits and resolve money issues via online checks and personal advisors, operated by the non-profit Stichting NSR.

Ownership category

akta.pro rank

Headquarters

HQ city

Zwolle

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Donations and institutional funding: Geldfit is a free public service operated by Stichting NSR (Nederlandse Schuldhulproute), a Dutch foundation. The organization relies on donations and likely institutional/governmental funding to sustain operations. There is no revenue charged to end users; the service is fully free.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels4 records

Core offering

Geldfit is a free Dutch financial guidance platform that provides anonymous, personal money advice, online self-service eligibility and guidance checks, and warm referrals to local debt assistance organizations. The service is delivered via a public website, telephone helpline, WhatsApp, live chat, and email, targeting Dutch residents who need help understanding taxes, benefits, allowances, budgeting, and debt issues.

Product overview

Geldfit is a free Dutch financial guidance platform operated by Stichting Nederlandse Schuldhulproute (NSR), a non-profit foundation registered with the Dutch Chamber of Commerce (KvK 76680592). The platform provides a suite of self-service financial tools and personalized advisory services to help Dutch residents manage money matters. Its core product is the Geldfit platform itself, supported by specialized sub-brands — Geldfit voor ondernemers (for entrepreneurs) and Geldfit voor jongeren (for youth) — and multiple interactive tool products including Potjes-check (benefits eligibility check), Geldfit-test (2-minute guidance test), Belastingwijzer (tax guidance for businesses), Zakelijke test (business financial test), Checker voor jongeren (age-based youth checker), and a multilingual Woordenboek (financial glossary). All services are accessible via phone, WhatsApp, chat, and email, with optional anonymous use.

Differentiator

Problem solved

Functional benefit

Products and services

• Geldfit Financial Guidance Platform Free Dutch financial guidance platform that provides anonymous personal money advice, online self-service eligibility and guidance checks, and warm referrals to local debt assistance organizations via the geldfit.nl website, telephone helpline (0800-8115), WhatsApp, live chat, and email. It is operated by Stichting Nederlandse Schuldhulproute (NSR) and serves Dutch residents with questions about taxes, benefits, allowances, budgeting, and debt.
• Potjes-check Online self-service tool that checks which Dutch government subsidies, allowances, and financial schemes a user may be entitled to, helping individuals claim benefits they might otherwise miss. Targeted at Dutch residents seeking to identify unclaimed entitlements.
• Geldfit-test A 2-minute online test that helps users discover personal next steps on money matters, directing them to relevant Geldfit contact channels, online tools, or partner organizations in their area. Used by Dutch residents who are unsure which support is most relevant to their situation.
• Belastingwijzer A check tool for business owners with payment arrears that guides users through 6 questions in 3 minutes to identify self-help steps and the appropriate organization to contact. Targeted at Dutch entrepreneurs and zzp'ers dealing with tax obligations.
• Zakelijke test An online test tailored for Dutch entrepreneurs and self-employed individuals to discover next steps for managing their business finances and resolving payment issues.
• Checker voor jongeren An age-based online questionnaire for young people to discover personalized financial guidance and relevant tools based on their life stage (under 18, 18–21, 22–27, or 28+). Targeted at Dutch young adults navigating first-time financial decisions.
• Geldfit voor ondernemers (Geldfit Zakelijk) A specialized sub-brand of Geldfit consolidating tips, checks, and solutions specifically for business owners and entrepreneurs to manage financial challenges, including tax debts, payment arrears, and bookkeeping.
• Geldfit voor jongeren A specialized sub-brand of Geldfit targeting young Dutch people with guidance on tax returns, allowances, and general money questions relevant to their life stage.
• Woordenboek A financial glossary explaining money-related terms, available in Dutch and 7 other languages, to help Dutch residents and non-Dutch speakers understand financial terminology.
• Geldfit in andere talen A multilingual offering that provides translated financial guidance and support information in users' own languages, supporting non-Dutch speakers in the Netherlands.

Quantifiable outcome

• Users report discovering unclaimed benefits and allowances through the potjes-check tool.
• +2 more outcomes

Named customers6 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eight partnerships are on record, tiered core, flagship and minor.

• Stichting NSR (Nederlandse Schuldhulproute)coreStrategic or Co-development PartnerGeldfit is an activity of Stichting NSR (Nederlandse Schuldhulproute), registered with the Dutch Chamber of Commerce under number 76680592. Stichting NSR operates the Geldfit platform and is the data controller under GDPR. The foundation coordinates the national Dutch debt assistance route.
• ING BankflagshipGTM or Marketing PartnerING co-sponsors the 'Voetballen, ook met weinig geld' (Football, even with little money) initiative alongside Geldfit and the KNVB. The initiative aims to ensure everyone can continue playing football regardless of financial constraints by connecting families to benefit checks and local support.
• KNVB (Royal Dutch Football Association)flagshipGTM or Marketing PartnerKNVB partners with Geldfit and ING on a joint initiative to remove financial barriers to football participation in the Netherlands. The KNVB contributes its network of clubs and sporting infrastructure to the partnership.
• Open over GokkenminorStrategic or Co-development PartnerOpen over Gokken is featured on Geldfit's gambling costs page as the central support point for gambling problems. They provide free advice, guidance, and referrals to local help for people with gambling addiction.
• Cruks (Centraal Register Uitsluiting Kansspelen)minorOthersGeldfit refers users to the Cruks register where they can self-exclude from gambling sites, speelhallen, and casinos with a Dutch license, free of charge.
• Jeugdfonds Cultuur & SportminorStrategic or Co-development PartnerReferenced through Geldfit's VoorzieningenWijzer (Facilities Guide) tool, which points users to the Jeugdfonds Cultuur & Sport for contributions toward children's sports and cultural activities.
• SchuldHulpMaatjecoreStrategic or Co-development PartnerGeldfit refers users to SchuldHulpMaatje volunteers who provide one-on-one assistance with organizing personal finances. This is part of the warm referral network Geldfit uses to connect users with localized support.
• Sam& voor alle kinderenminorStrategic or Co-development PartnerGeldfit references Sam& voor alle kinderen as a partner organization that helps families discover benefits they are entitled to, enabling children's participation in sports and cultural activities.

Scale indicators1 record

Recent moves6 records

Expansion highlights6 records

Direct peers

• Stichting Leergeld: Dutch foundation enabling low-income children to participate in social, educational, and cultural activities. Comparable because it serves overlapping target demographics (low-income Dutch families) and is even referenced as a partner through Geldfit's VoorzieningenWijzer tool.
• SchuldHulpMaatje: Dutch volunteer-based organization providing one-on-one debt and budget assistance. Directly comparable to Geldfit because both serve Dutch residents with financial difficulties and Geldfit explicitly refers users to SchuldHulpMaatje as part of its warm-referral ecosystem.
• Stichting Humanitas: Major Dutch social services NGO providing support including financial guidance, debt counseling, and home visits for vulnerable populations. Comparable because it delivers free, in-person social services to Dutch residents facing financial and personal difficulties.
• Leger des Heils (Salvation Army Netherlands): Dutch branch of the Salvation Army providing social services including financial guidance, material aid, and rehabilitation programs. Comparable because it offers free, mission-driven support to financially vulnerable Dutch residents through a similar national network of local chapters.
• Nibud (Nationaal Instituut voor Budgetvoorlichting): Dutch national institute for budget education and household financial literacy. Comparable because it serves the same Dutch consumer base with financial guidance, education, and tools, though Nibud focuses on research-driven content rather than direct advice and referrals.
• Het Juridisch Loket: Dutch government-funded organization providing free legal advice to low-income residents, including on financial matters. Comparable because it is referenced by Geldfit for escalated user needs and serves the same target audience with free professional guidance.
• Over Rood: Dutch organization providing free debt counseling and financial help to individuals and entrepreneurs. Comparable because it offers direct guidance on debt restructuring, payment arrangements, and benefits navigation for the same vulnerable Dutch population Geldfit serves.

Regional players

• MoneyHelper: UK government-backed free money guidance service offering advice, tools, and calculators for debt, benefits, and budgeting. Comparable as an international equivalent that combines free self-service financial tools with personalized guidance for vulnerable consumers.
• Money Advice Plus: UK charity providing free, independent debt advice and money management guidance. Comparable because it targets financially vulnerable populations with a free, advice-led service model similar to Geldfit's Dutch offering.
• StepChange Debt Charity: UK-based debt advice charity providing free, confidential debt advice and self-help tools. Comparable because it offers an analogous service model (free guidance, online tools, referrals to specialist help) to a UK population facing similar financial distress.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/geldfit
• LinkedInlinkedin.com/company/geldfit

Revenue estimate

Valuation estimate

Number of profiles

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 Geldfit