Bèta Financiële Diensten BV

What Bèta Financiële Diensten BV does

Bèta Financiële Diensten BV is a privately held Dutch financial advisory firm operating under the "Puur Advies" branded framework, registered as a BV (private limited company) and headquartered in Haarlem with a secondary office in Hoofddorp. The firm serves Dutch consumer households across multiple life stages, with service lines spanning mortgage advice (Hypotheek), non-life and life insurance advice (Schade- en Levensverzekeringen), dedicated new-build financing (Nieuwbouw Financiering), and divorce financial planning via the Scheidingsplanner. Its core go-to-market is direct-to-consumer, with sales-led conversion through personal advisor consultations rather than digital self-service onboarding.

The technology layer is a digital client environment rather than an algorithmic product: clients access the Mijn Bèta FD portal and a Bèta mobile app, which connect to Ockto for structured intake of financial documents and to VKG Polismap for insurance policy administration. A knowledge bank (kennisbank) traces content back to 2011, providing a long-running content footprint. The business model combines one-off professional advisory fees on mortgage, insurance, and divorce engagements with a recurring "Nazorg Abonnement" (aftercare subscription) for ongoing policy and life-event servicing. No public pricing is disclosed, and the firm has no disclosed external funding, no enterprise customers, and no headcount figures in the available material.

Operationally, the firm signals modest ongoing investment: it maintains an active vacancy for an insurance advisor and has expanded its service menu and digital tooling. There is no evidence of acquisitions, partnerships beyond the two platform integrations, leadership changes, or AI/ML capability. The profile is that of a small, owner-operated regional Dutch advisory practice that is incrementally digitizing and productizing its offering rather than pursuing scale through external capital.

Name

Bèta Financiële Diensten BV

Legal name

Bèta Financiële Diensten

Website

https://betafd.nl

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Short description

Bèta Financiële Diensten BV is a Dutch (Haarlem/Hoofddorp) consumer financial advisory firm offering mortgage, insurance, new-build financing, and divorce financial planning to Dutch households, with a digital client portal and recurring aftercare subscription.

Ownership category

akta.pro rank

Headquarters

HQ city

Haarlem

HQ country

Netherlands

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Advisory Services: Fees generated from providing independent mortgage advice to Dutch homeowners and prospective buyers, including first-time buyers, refinancing, and equity release
2. Insurance Advisory Services: Revenue from advising on property (opstal) and contents (inboedel) insurance products, offering portfolio reviews and optimization recommendations
3. Divorce Financial Planning: Specialized financial advisory services for couples going through divorce, covering mortgage implications and asset division
4. Nazorg Abonnement (Aftercare Subscription): Ongoing subscription service for existing mortgage customers providing continued support and periodic financial reviews

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Bèta Financiële Diensten BV is an independent Dutch financial advisory firm providing mortgage advisory (Hypotheekadvies), insurance advisory (Verzekeringen), divorce financial planning (Scheidingsplanner), and new build financing (Nieuwbouw Financiering) services. The firm operates from two offices in Haarlem and Hoofddorp, combining personal advisor consultations with digital tools including the Mijn Bèta FD customer portal and mobile applications, and offers a Nazorg Abonnement aftercare subscription for ongoing mortgage client support.

Product overview

Bèta Financiële Diensten BV operates as an independent financial advisory firm offering a unified portfolio of services centered on mortgage advisory, insurance advisory, and divorce financial planning. The core offering consists of Hypotheekadvies (mortgage advisory) and Verzekeringen (insurance services), complemented by the Scheidingsplanner (divorce planner) and Nieuwbouw Financiering (new build financing). Digital capabilities are delivered through the Digitale Omgeving platform, which includes the Mijn Bèta FD customer portal, the Bèta app, and Ockto document sharing integration. The Nazorg Abonnement add-on provides ongoing support for mortgage clients. The firm serves primarily Dutch residential customers in the Haarlem and Hoofddorp region.

Differentiator

Problem solved

Functional benefit

Brands

• De Bèta app: Digital portal for mortgage applications and insurance management
• De Ockto app
• Mijn Bèta FD

Products and services

• Hypotheekadvies (Mortgage Advisory)
• Verzekeringen (Insurance Advisory)
• Scheidingsplanner (Divorce Financial Planner)
• Nieuwbouw Financiering (New Build Financing)
• Mijn Bèta FD (Customer Portal)
• Nazorg Abonnement (Aftercare Subscription)

Quantifiable outcome

• Customers are highly satisfied with clear explanations, friendly service, and professional follow-up based on multiple testimonials
• +1 more outcomes

Named customers10 records

Segments6 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

Feature3 records

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Emerging players

• Pricewise: Dutch price-comparison platform for financial products including mortgages, insurance, and energy. Overlaps with Bèta's advisory target customer (Dutch consumers comparing financial products) but operates a digital-only model.
• Dazure: Dutch online mortgage comparison and intermediation platform. Competes with Bèta for Dutch consumer mortgage business but through a fully digital channel rather than personal advisor consultations.

Direct peers

• De Hypotheekshop: Largest Dutch chain of independent mortgage advisors with a nationwide franchise network. Directly comparable to Bèta in offering independent mortgage and insurance advisory to Dutch consumers, but at materially larger scale and broader geographic footprint.
• Hypotheker: Major Dutch mortgage advisory franchise network offering independent mortgage advice, insurance, and related financial planning services. Closely comparable business model and customer base to Bèta, with national brand presence.
• Van Bruggen Adviesgroep: Dutch independent financial advisory firm providing mortgage, insurance, and broader financial planning services to consumers. Comparable in offering an integrated advisory portfolio across mortgages, insurance, and life events, with multi-office regional coverage.
• Independer: Dutch online financial product comparison and intermediation platform connecting consumers with mortgage, insurance, and other financial products. Comparable to Bèta in targeting Dutch consumers seeking independent mortgage/insurance advice, but operates via a digital comparison model rather than personal advisors.

Broad incumbents

• ING Nederland: Major Dutch retail bank offering mortgages, insurance, and financial planning products. Operates as a broad incumbent competitor in the same Dutch consumer mortgage and insurance market Bèta serves.
• Rabobank: One of the largest Dutch banks offering mortgages, insurance, and financial advice to Dutch consumers through tied advisor channels. Represents the incumbent competitor whose tied-advice model Bèta's independent positioning directly contrasts with.
• ABN AMRO: Large Dutch bank with a significant mortgage and insurance distribution business serving Dutch consumers. Broad incumbent in the same primary market as Bèta, with tied advisor channels competing for the same Dutch homeowner customer base.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat2 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/BtaFD
• LinkedInlinkedin.com/company/b%C3%A8ta-financi%C3%ABle-diensten

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 Bèta Financiële Diensten BV