Dijkstra Makelaardij en Financieel Advies

What Dijkstra Makelaardij en Financieel Advies does

Dijkstra Makelaardij en Financieel Advies is a Dutch family-owned full-service advisory firm founded in 1963, headquartered in Zuidhorn with a second office in Marum, serving private individuals and entrepreneurs in the Westerkwartier region and city of Groningen. The firm operates four integrated service divisions under one roof: Makelaardij (residential property purchase, sale, and appraisal), Financieel Advies (mortgage advice across more than 30 lenders and financial planning), Verzekeringen (personal and business insurance brokerage with risk analysis), and Pensioenen (pension advisory and administration for employers and employees). It is an NVM-affiliated makelaar and holds Funda, NWWI, Vastgoedcert, SEH, FFP, Hypotheek Company, Advieskeuze.nl, and Bedrijfshypotheek.nl partnerships/certifications that anchor its distribution and quality credentials.

The firm employs 12 staff across the divisions and is currently co-owned by six individuals spanning the Dijkstra family (Otto, Douwe, Albert), Hein Buist, Chris Sikkema, and Klaas de Vries, with the latter two joining as co-owners on 29 March 2023 after contributing since 2021. Revenue is generated through transaction-based real estate brokerage commissions, professional service fees on mortgage and financial planning work, and commission streams from intermediated insurance and pension products; pricing is not publicly disclosed and initial advisory meetings are non-binding (vrijblijvend). Customer acquisition is driven by Funda listings, an active content blog, organic social media (LinkedIn, Facebook, Instagram, TikTok), direct WhatsApp and phone contact, walk-ins at the two offices, and referrals within the local community, with the firm reporting a 9.2 Funda rating and a 10/10 score on Advieskeuze.nl. The technology stack is limited to standard marketing and security tooling (Cloudflare, Google Analytics, Facebook pixel), with no proprietary platform or disclosed AI capabilities.

Name

Dijkstra Makelaardij en Financieel Advies

Legal name

Dijkstra Makelaardij en Financieel Advies

Website

https://dijkstramakelaardij.nl

Company type

Private

Founded year

1963

Operating status

Operating

Headcount range

11–50 employees

Short description

Dijkstra Makelaardij en Financieel Advies is a Dutch family-owned advisory firm founded in 1963, employing 12 staff across real estate brokerage, mortgage, insurance, and pension advisory from offices in Zuidhorn and Marum serving the Westerkwartier region.

Ownership category

akta.pro rank

Product category

Real Estate Brokerage & Financial Advisory

NAICS

Offices of Real Estate Agents and Brokers (53121), Finance and Insurance (52)

SIC

Real Estate Agents & Managers (For Others) (6531), Loan Brokers (6163)

akta.pro primary industry

Luxury & High-End Residential Brokerage (BPAJAAAC)

akta.pro secondary industry

Debt & Structured Finance / Mortgage Brokerage (BPAJABAK)

Keywords

• Real estate brokerage
• Mortgage advisory
• Financial advisory services
• Insurance intermediation
• Property valuation

Headquarters

HQ city

Zuidhorn

HQ country

Netherlands

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Makelaardij (Real Estate Brokerage): Commission-based revenue from residential property purchase, sale, and appraisal services. As an NVM-registered broker, the firm earns fees on completed property transactions and valuations in the Westerkwartier and Groningen region.
2. Financieel Advies (Financial Advisory): Fees and commissions from mortgage advisory, financial planning, and credit intermediation services. The firm works with over 30 lenders to provide independent advice on mortgages and financial products.
3. Verzekeringen (Insurance Advisory): Commission revenue from advising on and intermediating personal and business insurance products across multiple insurers.
4. Pensioenen (Pension Advisory): Fees from pension advisory services for both employers and employees, including pension administration intermediation and planning.

Go-to-market motion2 records

Distribution channels4 records

Marketing channels9 records

Core offering

Dijkstra Makelaardij en Financieel Advies is a Dutch real estate brokerage and financial advisory firm that mediates the purchase and sale of residential properties, provides property valuations, arranges mortgages through 30+ lenders, and offers financial planning, insurance, and pension advisory services. The firm combines traditional brick-and-mortar offices in Zuidhorn and Marum with digital channels (Funda listings, website, WhatsApp) to serve local homeowners, buyers, and business clients in the province of Groningen.

Product overview

Dijkstra Makelaardij en Financieel Advies is a family-owned full-service financial services company founded in 1963, operating under one roof with four integrated service divisions: Makelaardij (real estate brokerage for buying, selling, and appraisals), Dijkstra Financieel Advies (mortgages, financial planning, and credit services), Dijkstra Verzekeringen (personal and business insurance), and Dijkstra Pensioenen (pension advisory and management). The company serves the Westerkwartier region and Groningen city from offices in Zuidhorn and Marum, offering integrated financial solutions where mortgage, insurance, and pension services are coordinated together for clients.

Differentiator

Problem solved

Functional benefit

Products and services

• Aankoopbemiddeling (purchase brokerage) Real estate purchase intermediation service that guides buyers through the property search, valuation, negotiation, and purchase process in the Groningen region. Intended for individual buyers and households looking for a residential home.
• Verkoopbemiddeling (sales brokerage) Real estate sales intermediation service for homeowners wishing to sell their property, including pricing advice, marketing via Funda, viewings, and transaction handling. Targeted at residential property owners in the Zuidhorn and Marum area.
• Taxaties (property valuations) Independent property valuation service producing NWWI-validated appraisal reports for homeowners, buyers, and lenders. Used for sales, mortgage applications, and other financial decisions.
• Hypotheekadvies (mortgage advisory) Mortgage advisory service that compares offerings from 30+ lenders to find suitable financing for residential property purchases, with support for refinancing and ongoing mortgage questions. Intended for individual buyers and homeowners.
• Financieel advies (financial planning) Personal financial planning service covering budgeting, savings, and broader financial decisions for individuals and households.
• Verzekeringen (insurance intermediation) Insurance advisory and intermediation service covering personal and property insurance lines to protect households and small businesses.
• Pensioenadvies (pension advisory) Pension advisory service that helps individuals and entrepreneurs plan retirement savings and pension arrangements, complementing the firm's broader financial advisory offering.
• Ondernemersadvies (entrepreneur advisory) Tailored advisory service for entrepreneurs and small business owners combining mortgage, insurance, and pension planning in a single integrated offering.

Quantifiable outcome

• Average customer rating of 9.4 on Funda, reflecting high client satisfaction with service quality.
• +1 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• NVM (Nederlandse Vereniging van Makelaars)coreChannel Partner/ Reseller/ DistributorDijkstra Makelaardij is an affiliated NVM (Nederlandse Vereniging van Makelaars) member. NVM membership provides access to the largest Dutch real estate broker network, professional quality standards, annual staff training and certification, and visibility through the NVM Find a Broker search platform. The firm is described as a 'Jouw NVM Makelaar' (Your NVM Broker) in Westerkwartier Groningen.
• FundacoreChannel Partner/ Reseller/ DistributorActive listings on Funda, the dominant Dutch property listing and search platform. The firm's Funda profile includes ratings, reviews, and full property listings. Funda is a primary channel for driving inbound property buyer and seller enquiries.
• VastgoedcertminorOthersVastgoedcert is a Dutch certification body for real estate professionals. Displayed as a quality badge on the firm's website, indicating certified competence of its makelaars.
• SEH Erkend Financieel AdviseurminorOthersSEH (Stichting Erkenningsregeling Hypotheekadviseurs) is the Dutch foundation for recognised mortgage advisers. Displayed as a certification badge, indicating certified quality of mortgage advisory services.
• Hypotheek CompanyminorChannel Partner/ Reseller/ DistributorPartnership with Hypotheek Company, a Dutch mortgage intermediary network. Displayed as a partner badge on the firm's website, indicating affiliation for sourcing mortgage products.
• Advieskeuze.nlminorChannel Partner/ Reseller/ DistributorListed on Advieskeuze.nl, a Dutch platform for finding and reviewing financial advisers. The firm is rated 10 on this platform for financial advisory services.
• Bedrijfshypotheek.nlminorChannel Partner/ Reseller/ DistributorAffiliated with Bedrijfshypotheek.nl for commercial property (bedrijfspand) mortgage intermediation. The firm uses this partner to serve business owner clients seeking mortgages for commercial properties.
• FFP (Vereniging van Financieel Planners)minorOthersFFP is the Dutch association of certified financial planners. Hein Buist is listed as an FFP Gecertificeerd Financieel Planner. FFP provides professional standards and the CFP certification for financial planners.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Others

• NVM Makelaars (broader network): Dutch professional association of real estate brokers, of which Dijkstra is a member. Comparable as the institutional ecosystem governing the same quality standards, training, and listing access that anchors Dijkstra's positioning.
• Funda: Dominant Dutch property listing marketplace and a core channel partner for Dijkstra. Comparable as the digital funnel through which most Dutch property search begins and the platform driving Dijkstra's inbound enquiries.
• Hypotheek Company: Dutch mortgage intermediary network partnering with local advisors. Directly comparable as the upstream partner enabling Dijkstra's mortgage brokerage to access 30+ lenders.

Broad incumbents

• Rabobank: Major Dutch bank offering mortgages, insurance, and pension products to retail customers across the country, including the Westerkwartier region. Overlaps with all four of Dijkstra's service lines as a broad incumbent with tied-agent economics.
• ING Nederland: Large Dutch retail bank providing mortgage, insurance, and pension products through its own channels. Competes with Dijkstra's mortgage and financial planning services in the Groningen catchment.
• ABN AMRO: Dutch universal bank providing residential mortgages, insurance, and wealth/pension services. Competes with Dijkstra's independent advisory across multiple product lines in the same geography.

Direct peers

• De Hypotheker: Largest independent mortgage advisory chain in the Netherlands, comparing products across multiple lenders. Directly comparable to Dijkstra's mortgage division, which accesses 30+ lenders via Hypotheek Company and similar networks.
• Hypotheek Visie: Dutch independent mortgage broker with a national franchise network advising on mortgages across many lenders. Comparable business model to Dijkstra's financieel advies division for residential mortgage intermediation.
• Van der Linden Makelaars: Dutch NVM-affiliated residential real estate brokerage with multiple regional offices. Closely comparable as a mid-sized NVM member offering makelaardij services to private buyers and sellers across Dutch regions, with the same Funda-driven customer acquisition model.

Emerging players

• Independer.nl: Online Dutch comparison platform for insurance, mortgages, and financial products. Comparable in intermediating financial services to retail customers in the Netherlands, though purely digital versus Dijkstra's hybrid advisory model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/DijkstraMakelaardij
• LinkedInlinkedin.com/company/dijkstra-makelaardij-en-financieel-advies
• Instagraminstagram.com/dijkstramakelaardij_finadvies
• TikToktiktok.com/@dijkstramakelaardij

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 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 Dijkstra Makelaardij en Financieel Advies