Alliantie Vrijwillige Schuldhulp

Name

Alliantie Vrijwillige Schuldhulp

Legal name

Stichting Alliantie Vrijwillige Schuldhulp

Website

https://alliantievrijwilligeschuldhulp.nl

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Headquarters

HQ city

Utrecht

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. Government Subsidy: AVS receives government subsidy from the Dutch Ministry of Social Affairs and Employment (Ministerie van Sociale Zaken en Werkgelegenheid, SZW) to execute its program, stimulate local cooperation between volunteer organizations, professional services, and municipalities, and help people with debt be found and directed to appropriate assistance more quickly.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Alliantie Vrijwillige Schuldhulp (AVS) is a Dutch non-profit foundation that coordinates free voluntary debt assistance across the Netherlands through a coalition of 7 national partner organizations and 20,000+ trained volunteers. It provides culturally sensitive debt counseling, home administration support, prevention, and aftercare services in 65+ locations, and develops shared knowledge products (e-learnings, guides, workbooks) and a digital help-request system (HulpVraagSysteem/SINC) for partner coordination and case management.

Product overview

Alliantie Vrijwillige Schuldhulp (AVS) is a coalition of seven national volunteer organizations that provides voluntary debt assistance in the Netherlands. The organization does not offer a single software product but rather a portfolio of knowledge products, training programs, and collaboration tools: the Kennisbank (knowledge bank with e-learnings and toolkits), Training Sturen op Zelfsturing (self-management training), Werkboek Samenwerken (collaboration workbook), Gids voor lokale samenwerking (local cooperation guide), ICT-koppeling/HulpVraagSysteem (digital help request management system), and Gedragscodenormering (code of conduct standards). These offerings work together to support local collaboration between volunteer organizations, professionals, and municipalities to help people with debts.

Differentiator

Problem solved

Functional benefit

Products and services

• Kennisbank (Knowledge Bank / E-learning Platform) Knowledge bank hosting e-learnings, practical tools, and information for volunteers helping people with financial questions and problems, including courses on culturally sensitive action, suicide prevention, and supporting flex workers.
• Training Sturen op Zelfsturing (Guiding towards Self-Reliance) Training program for local coordinators of volunteers who provide support for financial and administrative problems, equipping volunteers to help debt-burdened individuals achieve financial self-reliance and a debt-free life.
• HulpVraagSysteem (SINC) / ICT-koppeling and Insight Digital help-request administration system enabling volunteers and coordinators to register and track help requests during assistance trajectories, with linked ICT systems and postcode-level dashboards for geographic insight across municipalities (Zwolle, Oldambt, Hoogeveen).
• Gedragscodenormering (Code of Conduct Standards) Joint code of conduct norms and basic profiles for volunteers in debt assistance, developed by the six alliance partners in the Quality Working Group to ensure standardized quality across the coalition.
• Werkboek 'Samenwerken op het gebied van schuldhulpverlening' (Collaboration Workbook) Workbook designed for volunteers, professionals, administrators, and municipal officials to collaborate more sustainably with other organizations in the municipality on debt assistance.
• Gids voor lokale samenwerking (Guide for Local Cooperation) Guide for local boards and municipal executives to navigate the debt assistance landscape, with explanation of the financing model for cost budgeting.
• Handreiking 'Hoe bereik je mensen met geldzorgen' (How to Reach People with Financial Worries) Guide providing tools for volunteer organizations to make contact with people experiencing financial worries, including methods, tips, questions, tools and examples for reaching target audiences through locations and key figures.
• Toolkit bij Schulden (Debt Toolkit) Collection of practical tools and information for volunteers helping people with financial questions and problems.

Quantifiable outcome

• 56,000 help-seekers assisted in 2024 with €208 million micro-economic and €44 million macro-economic annual social impact (Deloitte, 2024)
• +2 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature1 record

Partnerships

Ten partnerships are on record, tiered minor and core.

• DeloitteminorStrategic or Co-development Partner · 2 March 2026Deloitte conducted the impact measurement for Alliantie Vrijwillige Schuldhulp, quantifying the societal value of voluntary debt assistance at €208 million (micro-economic) and €44 million (macro-economic) per year. The report was presented to the Ministry of Social Affairs and Employment.
• Stichting Ocan - Organisatie Caribische NederlanderscoreStrategic or Co-development Partner · 1 January 2022Ocan is a national (volunteer) organization focused on social support, labor market participation, education, and advocacy for Caribbean Dutch people. Within AVS (joined in 2022), Ocan focuses on outreach to Caribbean Dutch communities, organizing information sessions and deploying ambassadors to address the specific cultural and linguistic barriers this community faces in seeking debt assistance.
• HumanitascoreStrategic or Co-development Partner · 1 January 2019Humanitas is a national association with a strong local network of branches and volunteers. Within AVS, Humanitas focuses on capacity strengthening and expansion of voluntary debt assistance, operating in 23 municipalities (Phase 1) and additional locations (Phase 2). Humanitas provides low-threshold support to people needing help with organizing finances, budgeting, and finding appropriate assistance.
• Inspraakorgaan Turken in Nederland (IOT)coreStrategic or Co-development Partner · 1 January 2019IOT is an umbrella organization representing six Turkish migrant federations. Within AVS, IOT focuses on outreach to Turkish-Dutch communities, organizing information sessions in 26 municipalities and deploying trained community ambassadors to reach people with financial problems who may not seek help through official channels. IOT contributed to the 'Geldfit Cultureel Vertaald' project translating the Geldfit website into Turkish.
• Landelijk Stimuleringsnetwerk Thuisadministratie (LSTA)coreStrategic or Co-development Partner · 1 January 2019LSTA informs, advises, and stimulates local organizations that deploy volunteers to assist people with financial problems. LSTA focuses on developing and disseminating knowledge based on practice and research, organizing training for coordinators, facilitating workshops on chain cooperation, and regional meetings. LSTA also developed the 'Sturen op Zelfsturing' training program.
• Leger des Heils (Salvation Army Netherlands)coreStrategic or Co-development Partner · 1 January 2019Leger des Heils operates neighborhood-based locations that serve as 'finding places' for people in (hidden) poverty and/or debt. Within AVS, it focuses on capacity strengthening and expansion, operating in 23 municipalities (Phase 1) and additional locations. The organization provides holistic support including spiritual care alongside financial assistance, reaching people who may not access formal services.
• Samenwerkingsverband Marokkaanse Nederlanders (SMN)coreStrategic or Co-development Partner · 1 January 2019SMN's mission is to improve the societal position of Moroccan Dutch people toward full citizenship. Within AVS, SMN focuses on outreach to Moroccan-Dutch communities through information sessions and trained ambassadors, helping to address language barriers, cultural taboos, and lack of awareness about welfare provisions among this community.
• SchuldHulpMaatjecoreStrategic or Co-development Partner · 1 January 2019SchuldHulpMaatje provides personal assistance to people with financial problems using approximately 3,000 volunteers (Maatjes and coordinators) across 180 municipalities in the Netherlands. Annually, more than 12,000 people receive personal help and over 50,000 households are assisted via websites. Founded in 2010 by national churches, it operates locally and nationally in cooperation with churches, government, and other organizations.
• GeldfitminorStrategic or Co-development PartnerGeldfit is a Dutch financial wellness platform. AVS partners collaborated with Geldfit on the 'Cultureel Vertaald' (Culturally Translated) project, developing translated and culturally adapted website pages in 7 languages including Turkish, Arabic, Polish, Romanian, Bulgarian, English, and Papiamentu.
• 113 ZelfmoordpreventieminorStrategic or Co-development PartnerAVS partnered with 113 Zelfmoordpreventie to develop a free e-learning 'In gesprek over suïcidale gedachten' (Talking about suicidal thoughts) for volunteers working with people in debt. The e-learning teaches recognition of warning signs and how to have conversations about suicide. 113 also developed materials for professionals working with indebted individuals.

Scale indicators6 records

Recent moves8 records

Expansion highlights5 records

Emerging players

• Geldfit: Dutch financial wellness platform that helps people check and improve their financial situation. AVS partners collaborated with Geldfit on the 'Cultureel Vertaald' project translating the platform into 7 languages — a comparable technology-enabled debt-prevention service targeting the same vulnerable populations.

Direct peers

• Humanitas: Dutch association with local branches and volunteers providing low-threshold support for organizing finances, budgeting, and finding appropriate assistance. Core AVS partner that operates comparable volunteer-based social support programs across 23+ municipalities.
• Money Advice Trust: UK charity operating National Debtline and Business Debtline, providing free debt advice. Direct international peer with comparable mission of providing free, independent debt advice services and training debt advisors.
• StepChange Debt Charity: One of the UK's largest debt advice charities providing free, confidential debt advice and repayment plans. Direct international peer with a comparable mission of free, accessible debt assistance for individuals in financial difficulty.
• Leger des Heils (Salvation Army Netherlands): Dutch branch of the international Salvation Army, operating neighborhood-based 'finding places' for people in hidden poverty and debt. Core AVS partner with directly comparable front-line debt assistance and holistic support services.
• LSTA (Landelijk Stimuleringsnetwerk Thuisadministratie): Dutch network that informs, advises, and stimulates local organizations deploying volunteers for financial problem assistance — including developing the 'Sturen op Zelfsturing' training used by AVS. Functions as a peer knowledge network within the same ecosystem.
• Christians Against Poverty (CAP): UK-based charity providing free debt help, job coaching, and life skills through a network of church and community partners — a structural parallel to AVS's coalition of community-based partner organizations delivering debt assistance locally.
• SchuldHulpMaatje: Dutch volunteer-driven debt assistance organization with ~3,000 volunteers across 180 municipalities, helping over 12,000 people annually. It is both a core AVS alliance partner and a directly comparable independent operator in voluntary debt counseling, making it the most natural direct peer.

Broad incumbents

• Salvation Army International: International charitable organization operating in 130+ countries including the Netherlands (Leger des Heils). Comparable in providing holistic, faith-informed support including debt and poverty assistance, though at much greater scale and geographic breadth than AVS.
• National Foundation for Credit Counseling (NFCC): US-based national nonprofit network of accredited credit counseling agencies. Operates at greater scale across a broader credit-counseling scope than AVS but shares the same coalition-network model for delivering free debt assistance.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/alliantievrijwilligeschuldhulp

Revenue estimate

Valuation estimate

Number of profiles

Profiles15 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 Alliantie Vrijwillige Schuldhulp