Aktiva
Aktiva B.V. is a Dutch AFM-licensed financial services firm providing court-appointed guardianship (bewindvoering) and budget management (budgetbeheer) to individuals with disabilities, problematic debts, or time constraints across 86 Dutch municipalities.
- Company typePrivate
- Founded2013
- HeadquartersHoogeveen, Netherlands
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Aktiva does
Aktiva B.V. is a Dutch private company headquartered in Hoogeveen that provides court-appointed financial guardianship (bewindvoering) and personal budget administration (budgetbeheer) services to individuals across the Netherlands. Founded around 2013, the company serves three primary client groups: individuals with physical disabilities, those with mental or intellectual disabilities, and people with problematic debts, alongside a secondary segment of busy professionals seeking help organizing personal finances. Since 2014, Aktiva has operated under an AFM (Authority for the Financial Markets) license, which is the formal Dutch regulatory authorization required to provide these services.
The company's service platform is built on a two-product structure with dedicated sub-brand websites: aktiva-bewindvoering.nl for guardianship and aktiva-budgetbeheer.nl for budget management. Both services are delivered through human case managers — each client is assigned two fixed contact persons (a case manager and an assistant) — supported by a relatively thin technology layer consisting of an online client portal providing 24/7 access to financial data and documents, a collaborative budget planning system, and 24/7 online customer service. The company also operates a minor educational sub-product, Aktiva Spaarvarken (savings piggy bank), introduced in 2015. There is no proprietary AI/ML, no public API, and no evidence of advanced technology differentiation; technology functions primarily as a productivity and transparency layer over a labor-intensive service model.
Aktiva runs a sales-led, referral-driven go-to-market model in which client acquisition is anchored on a network of 21+ institutional partners — including healthcare providers, addiction care organizations, municipal social services, insurance companies, and nonprofits — across 86 Dutch municipalities. Revenue is generated through recurring individual service agreements under Dutch bewindvoering regulation, with pricing not publicly disclosed. The company maintains a single corporate entity, no disclosed external investment, and has executed one geographic expansion (Groningen office, 2017) and a brand consolidation (new website at aktiva.nl, 2019) as its principal strategic moves to date.
Aktiva firmographics
Firmographics- Name
- Aktiva
- Legal name
- Aktiva B.V.
- Website
- https://aktiva-beheer.nl
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Aktiva B.V. is a Dutch AFM-licensed financial services firm providing court-appointed guardianship (bewindvoering) and budget management (budgetbeheer) to individuals with disabilities, problematic debts, or time constraints across 86 Dutch municipalities.
- Ownership category
- akta.pro rank
Aktiva industry classification
Industry- Product category
- Personal Financial Administration Services
- NAICS
- Activities Related to Credit Intermediation (5223)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Credit Counseling & Debt Management Plans (DMP) (FSAKAJAH)
- akta.pro secondary industries
- Consumer Credit Counseling & Budgeting (FSAEAFAA), Collections & Creditor Negotiation Support (Debtor-Side) (FSAEAFAI)
Keywords
Where Aktiva is headquartered
LocationHeadquarters
- HQ city
- Hoogeveen
- HQ country
- Netherlands
- HQ region
- Europe
Offices2 records
Markets served
Aktiva business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Revenue model
- Bewindvoering Services: Court-appointed guardianship services for individuals with physical, mental/intellectual disabilities, or problematic debts. Aktiva manages their finances, pays creditors, and provides financial oversight.
- Budget Management Services: Income management services for individuals who need help organizing finances but don't require full guardianship. Services include budget planning and periodic payment execution.
Go-to-market motion1 record
Distribution channels2 records
Marketing channels4 records
Aktiva product offering
Product offeringCore offering
Aktiva provides court-appointed financial guardianship (Bewindvoering) and budget management (Budgetbeheer) services to individuals who cannot fully manage their own finances due to physical or mental/intellectual disabilities or problematic debts. The company manages creditor payments, creates collaborative budget plans, and provides ongoing financial oversight and protection through AFM-licensed operations across 86 municipalities in the Netherlands. Each client is assigned two dedicated contact persons and given 24/7 access to an online portal for viewing financial data and documents.
Product overview
Aktiva operates as a dual-product financial services provider, offering two distinct core services: Bewindvoering (financial administration/guardianship) for vulnerable individuals requiring full financial management due to disabilities or problematic debts, and Budgetbeheer (budget management) for individuals who need assistance organizing their finances due to time constraints. Both services provide personal contact persons, online access, budget planning, and 24/7 customer service. The company also offers an educational savings program called Aktiva Spaarvarken for children. The two main services function as separate sub-brands with dedicated websites (aktiva-bewindvoering.nl and aktiva-budgetbeheer.nl) while being offered through the unified Aktiva organization.
Differentiator
Problem solved
Functional benefit
Brands
- Aktiva Spaarvarken: A savings piggy bank program for customers, introduced in 2015 as a tool to help clients save money
Products and services
- Bewindvoering (Financial Administration) Court-appointed financial administration (beschermingsbewind) for individuals with physical disabilities, mental/intellectual limitations, or problematic debts. The service organizes and maintains the client's financial situation, manages creditor payments, requires creditors to contact the administrator directly, and includes budget planning, two fixed contact persons, online access to financial data, and 24/7 customer service.
- Budgetbeheer (Budget Management) Income management service (inkomensbeheer) for individuals who lack time or have busy schedules but do not have an urgent reason to delegate full financial administration. The service focuses on keeping the client's financial situation organized through collaborative budget planning and periodic payment execution, with two fixed contact persons, online access, and 24/7 customer service.
- Aktiva Spaarvarken (Savings Piggy Bank) Educational savings program designed to encourage children to save money, introduced via an intro film/presentation with customer engagement through a naming contest for the savings piggy bank character.
Quantifiable outcome
- Zero waiting lists - appointments scheduled within 5 working days
- +2 more outcomes
Companies that use Aktiva
Customer profileNamed customers2 records
Segments4 records
Ideal customer profiles2 records
Aktiva technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Aktiva partnerships and signals
Strategic signalPartnerships
21 partnerships are on record, tiered core and minor.
- PhiladelphiacoreHealthcare organization providing care services; refers clients who need financial management support to Aktiva.
- AccarecoreHealthcare provider specializing in mental health services; refers clients to Aktiva for budget management support.
- InsuraliscoreInsurance company specializing in claims management; collaborates with Aktiva for debt resolution and payment management within insured clients' capabilities.
- Vereniging Kledingbanken NederlandcoreNational association of clothing banks; refers financially vulnerable clients who need assistance with budget management.
- Gemeente EnschedecoreMunicipal government organization; refers residents requiring financial guardianship or budget management to Aktiva.
- IriszorgcoreHealthcare organization providing addiction and mental health services; refers clients to Aktiva.
- TactuscoreOrganization for addiction care; refers clients needing financial management support.
- Dimence GroepcoreMental health care provider; refers clients requiring budget management services.
- VNN (Verslavingszorg Noord Nederland)coreAddiction care provider for Northern Netherlands; refers clients needing financial management support.
- RIBWcoreSocial rehabilitation organization; refers clients with mental health challenges to Aktiva for financial management.
- MEEcoreOrganization supporting people with disabilities; refers clients needing protected financial management.
- Zuidweg & PartnerscoreDebt collection and management consultancy; collaborates with Aktiva for client financial solutions.
- De HerbergminorSocial services organization in Zwolle; refers clients and also receives sponsorship support from Aktiva.
- JanArendscoreHealthcare organization providing care services; refers clients to Aktiva.
- NonAAcoreOrganization supporting people with addiction issues; refers clients needing financial management.
- Sociale Teams DeventercoreSocial services teams in Deventer municipality; refers residents to Aktiva.
- JaraBeecoreHealthcare organization; refers clients requiring budget management services.
- ZorgZaakcoreHealthcare services provider; refers clients needing financial management support.
- LimorcoreHealthcare organization; refers clients to Aktiva for budget management.
- Promens CarecoreHealthcare provider; refers clients requiring protected financial management.
- ZIENNcoreHealthcare organization; refers clients needing financial management support.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
Aktiva competitors and assessment
Company assessmentBroad incumbents
- Philadelphia Zorg: Major Dutch healthcare organization supporting people with disabilities, and an existing Aktiva referral partner. Represents the type of broad healthcare/incumbent organization that funnels clients into bewindvoering providers like Aktiva.
- NIBUD: The Dutch National Institute for Budget Education and Support — a recognized national authority on household budgeting and financial guidance. Provides indirect competition through educational products and acts as a thought-leader shaping the Dutch budgeting and debt-counseling environment in which Aktiva operates.
- Intrum: Large European credit management and debt services firm with a Dutch presence (formerly Intrum Justitia). Provides debt advisory and collection-adjacent services with overlapping expertise in managing distressed consumer financial situations.
- MEE: Nationwide Dutch organization supporting people with disabilities and an existing Aktiva partner. Operates as a wider social-services network that also funnels clients needing financial guardianship into providers across the same regulated market.
Direct peers
- Flanderijn: One of the largest Dutch providers of bewindvoering, debt management, and budget management services, with national coverage. Directly competes with Aktiva for the same vulnerable-individual customer segment via similar court-appointed guardianship and budgetbeheer offerings.
- Stichting Lumen: Dutch non-profit foundation providing bewindvoering, budgetbeheer, and money guidance services to vulnerable individuals in Gelderland/Overijssel. Same regulated service mix as Aktiva and a direct competitor for municipal referrals in overlapping Dutch regions.
- FBN (Financieel Beheer Nederland): Netherlands-wide bewindvoering and budget management provider serving vulnerable clients in financial distress. Operates in the same regulated AFM framework as Aktiva and competes for the same municipal and healthcare referral channels.
- Budgetzorg: Dutch provider of bewindvoering and budgetbeheer services marketed to the same vulnerable-individual segment as Aktiva, including court-appointed guardianship. Closely comparable on service structure, regulatory positioning, and target persona.
- Zuidweg & Partners: Dutch debt management and credit consultancy already partnered with Aktiva. Directly competes in debt counseling and restructuring services, with overlapping capabilities in creditor negotiation and budget planning for indebted individuals.
Regional players
- Lister: Dutch social services organization providing support and guardianship for vulnerable populations including people with mental health and financial-management needs. Comparable in mission and client overlap to Aktiva's vulnerable-individual segment.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Aktiva social profiles
Digital presenceAktiva compliance and trust
Trust signalCompliance1 record
Aktiva financial estimates
Financial estimateRevenue estimate
Valuation estimate
Aktiva leadership team
Management profileNumber of profiles
Aktiva funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Aktiva M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Aktiva
What does Aktiva do?
Aktiva provides court-appointed financial guardianship (Bewindvoering) and budget management (Budgetbeheer) services to individuals who cannot fully manage their own finances due to physical or mental/intellectual disabilities or problematic debts. The company manages creditor payments, creates collaborative budget plans, and provides ongoing financial oversight and protection through AFM-licensed operations across 86 municipalities in the Netherlands. Each client is assigned two dedicated contact persons and given 24/7 access to an online portal for viewing financial data and documents.
Is Aktiva a public or private company?
Aktiva is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Aktiva founded?
Aktiva was founded in 2013. It employs 11 to 50 people.
Where is Aktiva based?
Aktiva is headquartered in Hoogeveen, Netherlands, in the Europe region.
How does Aktiva make money?
Two revenue lines are on record. Bewindvoering Services are the primary driver. The others are budget Management Services.
Who are Aktiva's main competitors?
Broad incumbents on record are Philadelphia Zorg, NIBUD, Intrum and MEE. Direct peers are Flanderijn, Stichting Lumen, FBN (Financieel Beheer Nederland), Budgetzorg and Zuidweg & Partners. Lister is listed as a regional player.
Does Aktiva have an API?
No public API is recorded for Aktiva.
What industry is Aktiva in?
Aktiva's product category is Personal Financial Administration Services. Its primary akta.pro industry code is FSAKAJAH, Credit Counseling & Debt Management Plans (DMP), with a secondary code of FSAEAFAA, Consumer Credit Counseling & Budgeting. Its NAICS code is 5223 and its SIC code is 6199.