Grip op Schuld - Deurne

What Grip op Schuld - Deurne does

Stichting GripOpSchuld Deurne (GOS Deurne) is a Dutch non-profit foundation founded in 2012 that delivers free debt-counseling, budget-management, and early-detection services to residents of the municipality of Deurne in Noord-Brabant. The organization operates a hybrid service model combining 16 trained volunteer 'maatjes' (buddies) with three Buco coordinators (Schuldhulpverleners, Budgetbeheerders, Coördinatoren) and one administrative staff member, all dispatched through LEV groep, and is governed by a volunteer board (Chair: John Clerx; Secretary: Peter Hanssen; Treasurer: Ria Maassen). Core service lines include Schuldhulpverlening (debt counseling), Budgetbeheer (budget management, free for residents earning up to 120% of the social-assistance threshold), the Maatjes buddy program across preventive/active/aftercare phases, and Vroegsignalering proactive outreach to residents flagged for unpaid utility or insurance bills. Operational technology is limited to Ris for vroegsignalering signal handling and OnView for digital client registration; no proprietary platform or AI tooling is in use.

The organization is funded primarily through municipal subsidies under the Wet gemeentelijke schuldhulpverlening (Wgs), supplemented by ANBI-recognized philanthropic donations, sponsorship, and a complementary micro-lending vehicle — Fonds Bijzondere Noden Deurne — which raised approximately €60,000 in 2019 across seven donors (including a €20,000 municipal anchor) and operates under an AFM vrijstellingsregeling permitting interest-free residual-debt refinancing. GOS Deurne is a flagship partner of the Geldfit national financial-health network (joined via the municipality in November 2025) and an active member of the Platform Global Goals Deurne consortium of twelve local organizations addressing poverty. Reach has expanded to 1,000+ cumulative clients by early 2019, with sustained training investments (113 Zelfmoordpreventie suicide-prevention training in June 2026; Oordeelloos Communicaren in June 2026; SchuldInfo Jaarcongres 2025 attendance). All services are strictly limited to Deurne municipality inhabitants, constraining the addressable market but reinforcing local referral density and brand trust.

Name

Grip op Schuld - Deurne

Legal name

Stichting GripOpSchuld Deurne

Website

https://gripopschulddeurne.nl

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

1–10 employees

Short description

Grip op Schuld - Deurne is a Dutch non-profit foundation, founded in 2012, that provides free debt counseling, budget management, and early-detection financial-help services to residents of the Deurne municipality through trained volunteer maatjes and professional coordinators funded by municipal subsidies and donations.

Ownership category

akta.pro rank

Headquarters

HQ city

Deurne

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Gemeente subsidie: Primary funding from Municipality of Deurne for executing tasks under the Wgs (Wet gemeentelijke schuldhulpverlening) for poverty, budget management, and debt assistance.
2. Fonds Bijzondere Noden: Special fund established to help refinance residual debts for clients who cannot resolve their situation through standard GOS assistance. Funded by municipality (€20,000 subsidy), GOS, Beelsfundatie, Stichting Thomas van Villanova, Steun Welzijnszorg, Parochie Sint Willibrord Deurne, and Tiny en Anny van Doorne Fonds, totaling approximately €60,000.
3. Sponsoring: Additional sponsorship contributions for 'extra' services beyond basic municipal funding.
4. ANBI status: Registered as ANBI (Algemeen Nut Beogende Instelling), providing tax advantages for donations and confirming nonprofit status.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Stichting GripOpSchuld (GOS) Deurne provides free debt counseling, budget management, and early-detection financial assistance to residents of the municipality of Deurne. Services are delivered through a volunteer maatje (buddy) model and three professional coordinators, following a three-phase approach (preventive, active debt help, and aftercare) and complemented by the Fonds Bijzondere Noden micro-credit fund for complex cases.

Product overview

Grip op Schuld Deurne operates as a volunteer-based social services organization offering a unified suite of debt counseling and financial guidance services to residents of Deurne municipality. The core offering consists of Schuldhulpverlening (debt counseling) supported by the Maatjes Programma (volunteer buddy program), which provides ongoing emotional and practical support across three phases: preventive, active debt assistance, and aftercare. Budgetbeheer (budget management) is offered free to residents earning up to 120% of welfare level. Vroegsignalering (early detection) enables proactive outreach to residents with unpaid bills. The organization also maintains a Social Map connecting clients to twelve local partner organizations through Platform Global Goals Deurne. All services are delivered by trained volunteer maatjes supervised by four paid coordinators, with internal training programs in suicide prevention and judgmental-free communication.

Differentiator

Problem solved

Functional benefit

Products and services

• Schuldhulpverlening (Debt Counseling) Core free debt counseling service for residents of Deurne municipality facing or at risk of financial problems and debt. Helps clients regain control of their finances through volunteer maatjes (buddies) and professional coordinators, including communication with creditors and government agencies and prevention of escalation to legal proceedings.
• Maatjes Programma (Buddy Program) Volunteer-based support program where trained and certified 'maatjes' (buddies) provide emotional support, administrative assistance, and practical help to individuals struggling with debt, operating in three phases: preventive, active debt assistance, and aftercare. Available free to residents of Deurne.
• Budgetbeheer (Budget Management) Free budget management service for Deurne residents with income up to 120% of the Dutch social assistance level, helping clients organize their finances, track income and expenses, and maintain financial stability. Includes income maximisation by ensuring clients receive all entitled benefits.
• Vroegsignalering (Early Detection) Proactive outreach service where GOS contacts Deurne residents who have unpaid bills (energy, health insurance, water) to offer free assistance with their financial matters. Operates weekdays 9:00–17:00 and is offered on an opt-in basis.

Quantifiable outcome

• 600+ clients served by 2017
• +2 more outcomes

Named customers8 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eleven partnerships are on record, tiered flagship, core, important and minor.

• GeldfitflagshipGTM or Marketing Partner · 26 November 2025Geldfit is a national organization helping people with money questions or financial concerns. Municipality of Deurne joined Geldfit network, offering free, anonymous, and independent help. GOS serves as the local partner providing personalized support in Deurne.
• Platform Global Goals DeurnecoreStrategic or Co-development PartnerNetwork of 12 Deurne organizations collaborating on poverty reduction and financial support. GOS is one of twelve partners working together to better support residents with financial concerns. Partners contribute to local goals: 'Einde aan armoede' (End poverty) and 'Geen honger' (No hunger).
• Zorg in DeurnecoreStrategic or Co-development PartnerZorg in Deurne serves as the central reporting point for people needing help. Through their website, residents can easily find the right organization for almost any help request. GOS works with Zorg in Deurne to route residents to appropriate services.
• 113 ZelfmoordpreventieimportantStrategic or Co-development Partner113 Zelfmoordpreventie (Suicide Prevention) provided training to GOS staff and volunteers on recognizing signs of suicidal thoughts, conducting safe conversations, and connecting clients with appropriate help. Important given the psychological toll of financial stress on clients.
• LevgroepimportantChannel Partner/ Reseller/ DistributorLevgroep provides personnel dispatch services to GOS, with staff (Buco coordinators and administrative) being dispatched through Levgroep to work at GOS Deurne.
• SenzerimportantChannel Partner/ Reseller/ DistributorSenzer is the municipal employment agency. Clients are referred to GOS via Senzer, and self-employed entrepreneurs with financial difficulties are referred from GOS to Senzer Ondernemerspunt for specialized entrepreneurship support.
• Kledingbank Deurne ('t Hart)minorGTM or Marketing PartnerClothing bank serving residents of Deurne, Asten, and Someren with free clothing for low-income individuals. GOS visits and refers clients to the clothing bank. Organization has approximately 25 volunteers.
• Fonds Bijzondere Noden DeurneflagshipStrategic or Co-development PartnerSeparate foundation established to complement GOS services. Provides micro-loans to refinance residual debts for clients who cannot resolve their situation through standard GOS assistance. GOS screens clients and refers to the fund. Funded by municipality and various donors (~€60,000).
• SchuldInfominorGTM or Marketing PartnerNational knowledge platform for debt information. GOS staff attended SchuldInfo Jaarcongres 2025 in Apeldoorn to stay informed on latest developments in the field.
• Dienst Toeslagen (Benefits Agency)minorGTM or Marketing PartnerRelatiemanager Femke Debeij from Dienst Toeslagen provided training to GOS staff on allowances (toeslagen), including calculating taxable income, partner assessments, and 10% rule.
• BUCO (Basisvoorziening Continuïteit)minorGTM or Marketing PartnerBUCO provided presentation to GOS volunteers on 'bijzondere bijstand' (special assistance) and related regulations, including conditions, income-related allowances, and collective supplementary health insurance.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Regional players

• Kwadraad: Dutch social-services and debt-counseling organization primarily serving South Holland; comparable in mission and volunteer/professional mix, but operates in a different geography than GOS Deurne (North Brabant).
• Stichting De Tussenvoorziening: Utrecht-based social-services foundation providing shelter, debt counseling, and case management; comparable in nonprofit municipal-contract model and target beneficiary population, but geographically distinct.

Emerging players

• Geldfit: National Dutch platform connecting residents with free, anonymous financial help; GOS Deurne is the local Deurne partner in the Geldfit network. Highly relevant as both upstream referral source and emerging national brand in the same problem space.

Direct peers

• Senzer: Municipal employment agency and a key referral partner to GOS Deurne; provides specialized self-employment support (Senzer Ondernemerspunt) for the same Deurne residents GOS serves, with bidirectional client referrals.
• LEV groep: Dutch welfare organization that dispatches all four paid GOS Deurne staff (Buco coordinators and administrative). Operational peer given the personnel-dispatch relationship that effectively defines GOS's paid capacity.
• Stichting Schuldhulpmaatje: National Dutch foundation that — like GOS Deurne — relies on trained volunteer 'maatjes' to provide free, personal debt-counseling support to individuals. Closest peer in terms of volunteer-driven delivery model, mission, and target beneficiary.

Broad incumbents

• Nibud (Nationaal Instituut voor Budgetvoorlichting): Dutch national institute for family budgeting information and education; complementary to GOS in addressing the same beneficiary population but focused on education, information, and policy rather than one-on-one debt counseling.
• Stichting Humanitas: Large Dutch social-services foundation operating volunteer-driven support programs (including financial and debt counseling) across multiple regions; comparable as a multi-service, volunteer-based social-assistance nonprofit.
• Leger des Heils (Salvation Army Netherlands): Large Dutch charitable organization providing debt counseling, social assistance, and shelter; cited in GOS's own regulatory documentation as the comparable organization under the AFM exemption. Operates at national scale across many service lines.

Others

• Stichting Schuldinfo: National Dutch knowledge platform for debt and debt-assistance professionals; GOS staff attended the Schuldinfo Jaarcongres 2025. Relevant peer as a sector knowledge hub serving the same professional community.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/grip-op-schuld---deurne

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Funding overview

Funding rounds

Investors

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M&A

Investments

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