What Heller & Heller does

Heller & Heller is an independent financial advisory firm founded in 2002 by Bennie Heller and headquartered in Klazienaveen, Drenthe, Netherlands. The company operates a 'totaalconcept' (total concept) advisory model that bundles banking, mortgage brokerage, insurance brokerage, and tax advisory services under one roof, targeting both private individuals and small-to-medium-sized businesses in the Zuidoost-Drenthe region. It operates from two physical branches in Klazienaveen and Schoonebeek, combining face-to-face advisory services with digital banking through its RegioBank affiliation and ASN Bank independent advisor status. The firm is family-owned, with Bennie Heller and Gerda Heller as principals, and runs through two Netherlands private limited entities (Heller & Heller Financiële diensten B.V. and Heller & Heller Bedrijfsadviseurs B.V.). It employs approximately 6 staff, including mortgage advisors, banking advisors, insurance advisors, and administrative personnel.

The business model is commission- and fee-based across multiple revenue streams: recurring banking fees and spreads via RegioBank, transaction commissions on mortgage placements across multiple lenders, insurance brokerage commissions, and professional fees for tax preparation and advisory work. The go-to-market is sales-led and relationship-driven, relying on personal consultations, walk-in access, and local community presence rather than digital marketing. The firm has launched a basic online customer portal (Mijn klantportaal) for mortgage process tracking, but the underlying technology stack is not proprietary and is described as traditional. There is no disclosed evidence of AI/ML capabilities, no app products, no API integrations, and no proprietary technology platform. Distribution is constrained to a single Dutch province, with no global footprint or signaled expansion plans beyond the existing regional footprint.

Name

Heller & Heller

Legal name

Heller & Heller Financiële diensten B.V.

Website

https://hellerenheller.nl

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

1–10 employees

Short description

Heller & Heller is an independent Dutch financial advisory firm in Klazienaveen, Drenthe, offering bundled banking (RegioBank), mortgage, insurance, and tax advisory services to individuals and SMBs in the Zuidoost-Drenthe region from two branch offices.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)

akta.pro primary industry

Retail Residential Mortgage Brokers (Purchase & Refinance) (FSALABAA)

akta.pro secondary industry

Affluent / Mass-Affluent Private Banking (FSABADAC)

Keywords

• Financial advisory services
• Mortgage brokerage
• Insurance brokerage
• Tax advisory
• Retail banking

Headquarters

HQ city

Klazienaveen

HQ country

Netherlands

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Banking Services: Banking services under RegioBank including account opening, savings, payments, and mobile banking. Revenue derived from standard banking fees, interest spreads, and RegioBank partnership arrangements.
2. Mortgage Advisory and Brokerage: Independent mortgage advisory and brokerage services. They work with all major lenders to find the best mortgage form and provider for each customer's situation. Revenue likely derived from commission from lenders and advisory fees.
3. Insurance Services: Insurance advisory and brokerage services covering health, car, and other personal insurance products. Revenue from insurance commissions.
4. Tax Advisory Services: Tax preparation and fiscal advisory services for individuals and businesses, including tax filings and fiscal planning.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Heller & Heller is an independent financial advisory firm operating under the RegioBank flag that offers a total financial concept ("totaalconcept") bringing banking, mortgage, insurance, and tax services under one roof. The company advises private individuals and SMB entrepreneurs on personal banking (savings, payments, mobile banking), mortgage selection across multiple lenders, insurance products (auto, health), and tax filing and planning, supported by an online customer portal.

Product overview

Heller & Heller is an independent financial services firm operating as a unified advisory and brokerage practice under the RegioBank umbrella. The company offers a total concept (totaalconcept) bringing all financial affairs under one roof: banking services (RegioBank), mortgages (Hypotheken), insurance (Verzekeringen), and tax advice (Fiscaal advies). The core offering consists of RegioBank for personal banking, mortgage advisory services with an online customer portal, insurance brokerage, and tax preparation. The business serves both private individuals and SMB (MKB) clients in Zuidoost-Drenthe from two physical locations.

Differentiator

Problem solved

Functional benefit

Products and services

• RegioBank Banking Services Personal banking services offered under the RegioBank umbrella, including savings accounts, payment accounts, internet banking, mobile banking app, deposits, withdrawals, and PIN card requests. Combines modern digital banking with in-branch personal service for individual customers in the Zuidoost-Drenthe region.
• Mortgage Advisory and Brokerage (Hypotheken) Independent mortgage advisory and brokerage services where Heller & Heller compares mortgage forms (linear, annuity, savings) and lenders to identify the optimal interest rates and terms for each customer. Customers can track the process via an online customer portal. Service covers Klazienaveen, Schoonebeek, and Weiteveen.
• Insurance Brokerage (Verzekeringen) Insurance advisory and brokerage services covering car insurance (autoverzekering) and health insurance (zorgverzekering) for private customers in Klazienaveen, Schoonebeek, and Weiteveen. Includes advisory from in-house insurance advisors.
• Tax Advisory (Fiscaal advies) Tax preparation and fiscal advisory services for both private individuals and SMB businesses, including tax filings (belastingaangiften) and fiscal planning.
• Mijn klantportaal (Customer Portal) Online customer portal for mortgage customers to track the mortgage application process, view and download documents, and submit required paperwork digitally.

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

Two partnerships are on record, tiered core and minor.

• RegioBankcoreChannel Partner/ Reseller/ DistributorHeller & Heller operates under the RegioBank flag, offering banking services under the RegioBank brand. RegioBank is a Dutch regional bank providing banking services through independent advisors. This partnership allows Heller & Heller to offer full banking services while maintaining independence as a financial advisory firm.
• ASN BankminorChannel Partner/ Reseller/ DistributorHeller & Heller is an independent advisor of ASN Bank, a Dutch sustainable bank. This partnership allows them to offer ASN Bank products to customers seeking ethical/sustainable banking options.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Others

• Adfiz (branchevereniging): Dutch industry association for independent financial advisors. Heller & Heller is likely an Adfiz member; included as an ecosystem/peer-association comparator rather than a commercial competitor.
• ASN Bank: Ethical/sustainable Dutch bank for which Heller & Heller acts as an independent advisor. Not a direct competitor but a partner-supplier of banking products; included for ecosystem context.

Direct peers

• Hypotheek Visie: National Dutch mortgage brokerage franchise with independent advisors across the country. Directly comparable to Heller & Heller's mortgage intermediation model, with similar commission-driven revenue and advisor-led sales motion.
• De Hypotheker: Largest Dutch mortgage broker chain with retail branches nationwide. Like Heller & Heller, De Hypotheker originates mortgages as an intermediary across multiple lenders, but at significantly greater scale and as a branded franchise rather than a family-owned local firm.
• Veldsink Advies: Large Dutch network of independent financial advisors offering mortgage, insurance, and banking products. Comparable independent-intermediary model with a similar sales-led, advisory-driven GTM.
• Van Bruggen Adviesgroep: Dutch independent financial advisory group offering mortgage, insurance, and banking intermediation. Closely comparable to Heller & Heller's multi-line "totaalconcept" model, though operating at national scale with a larger advisor network.

Broad incumbents

• RegioBank: The Dutch regional bank brand under which Heller & Heller operates as an independent advisor. RegioBank is the parent franchise and channel partner; while it does not directly compete with Heller & Heller, it is the structural backbone of the firm's banking offering.
• Rabobank local branches: Major Dutch cooperative bank with physical branches in Drenthe and surrounding regions. Competes with Heller & Heller for the same retail and SMB banking, mortgage, and insurance customers, but at vastly greater scale and with a broader product portfolio.
• ING Bank Netherlands: One of the largest Dutch banks, offering retail banking, mortgages, and insurance (via NN partnership). Broad incumbent competing with Heller & Heller for the same retail customers, but with a digital-first model that lacks Heller & Heller's high-touch local presence.

Emerging players

• Moneyou / online direct lenders: Direct-to-consumer Dutch mortgage and savings providers bypassing intermediation. Emerging threat to the traditional broker-only model, particularly for price-sensitive standard mortgage products.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/hellerenheller
• LinkedInlinkedin.com/company/heller-&-heller

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 Heller & Heller