LTO Arbeidskracht

What LTO Arbeidskracht does

LTO Arbeidskracht B.V. is a Dutch personnel services company specializing in workforce administration for the agricultural sector, founded in 2002 (originally as LTO Seizoenarbeid, renamed in January 2017) and headquartered in 's-Hertogenbosch, Netherlands. The company operates as a wholly-owned subsidiary of LTO Bedrijven, the commercial arm of LTO Nederland, and serves agricultural employers (farms, greenhouses, open-field cultivation, livestock operations) that employ seasonal, temporary, or international workers from across the EU and beyond. LTO Arbeidskracht reports insuring 30% of international workers in the Dutch agricultural sector, equating to approximately 50,000–60,000 workers insured annually.

The company's service portfolio spans four core product lines: (1) Payrolling and temporary staffing (Uitzenden) with NEN 4400-1 compliant wage payments; (2) Collective health insurance for both international seasonal workers (via HollandZorg and Zilveren Kruis collectiviteiten) and permanent agricultural staff (via the Agro+Zorg collective with CZ, VGZ, and Zilveren Kruis); (3) Seasonalwork.NL, an online vacancy bank and CV database of 2,500+ European job seekers with automatic vacancy translation into English, Polish, and Romanian; and (4) Training and education programs (26 courses) delivered in partnership with Lentiz | Cursus & Consult. All services are accessed through the Digitaal Loket, a proprietary cloud-based employer self-service portal that supports daily employee enrollment/de-enrollment, payroll management, and healthcare allowance (zorgtoeslag) applications via direct integration with Dutch government systems (BSN, RNI, Belastingdienst).

LTO Arbeidskracht's business model combines recurring subscription revenue (annual basisbijdrage of €169–€539 for members; Seasonalwork.NL subscriptions of €435–€710), usage-based fees (€5.56/day per insured worker for HollandZorg premiums), and customized transaction fees for payrolling services. The company holds an AFM license to advise and intermediate in health insurance, and benefits from exclusive distribution through the LTO member network (ZLTO, LTO Noord, LLTB), which represents ~40,000 Dutch agricultural members. The firm operates with a lean team of 1–10 employees and achieves an 8.5/10 customer satisfaction rating. In recent years, it has expanded beyond agriculture into non-agricultural sectors serving international workers (construction, cleaning, hospitality) via the Werk+Zorg collective.

Name

LTO Arbeidskracht

Legal name

LTO Arbeidskracht B.V.

Website

https://ltoarbeidskracht.nl

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

1–10 employees

Short description

LTO Arbeidskracht is a Dutch personnel services company providing payrolling, collective health insurance, recruitment (Seasonalwork.NL), and training for agricultural employers employing international and seasonal workers, insuring approximately 30% of all international workers in Dutch agriculture.

Ownership category

akta.pro rank

Product category

Agricultural HR Services

NAICS

Professional Employer Organizations (56133), Payroll Services (541214), Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)

SIC

Services-Employment Agencies (7361), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Onboarding, Offboarding & Employee Lifecycle Administration (BPACAHAL)

akta.pro secondary industries

Payroll Outsourcing & Pay Administration (Multi-country/Managed Payroll) (BPACAKAD), Insurance Claims Intake & FNOL Support (BPAAAFAA)

Keywords

• Agricultural personnel services
• Seasonal worker insurance
• Payroll administration
• Agricultural recruitment
• Employer compliance advisory

Headquarters

HQ city

s-Hertogenbosch

HQ country

Netherlands

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Collectieve Zorgverzekeringen (Collective Health Insurance): LTO Arbeidskracht acts as a collective health insurance intermediary for agricultural employers. Revenue comes from a base annual fee (basisbijdrage) charged per employer plus per-employee premiums collected through the collectiviteiten with HollandZorg and Zilveren Kruis. The base fee ranges from €169–€539/year for members and €239–€469/year for non-members, varying by employee headcount. Daily premiums (€5.56/day for HollandZorg in 2026) are withheld from employee wages.
2. Uitzenden / Payrolling: Payroll administration services for agricultural employers. LTO Arbeidskracht handles payroll processing, wage slip generation, and NEN 4400-1 compliant wage payments. Revenue model is transaction/fee-based, customized per employer.
3. Seasonalwork.NL Vacaturebank Abonnementen: Subscription-based recruitment platform offering access to a CV database of European workers. Three tiers: 1 month (€435 members / €535 non-members), 3 months (€510/€610), 6 months (€610/€710). Employers can post unlimited vacancies with free translation to English, Polish, and Romanian.
4. Opleidingen & Training: Training and education services for agricultural workers and employers, offered in partnership with Lentiz | Cursus & Consult. Includes crop protection licensing (Pools, Engels), leadership communication training, and general agricultural skills. Subsidies available via Colland.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

LTO Arbeidskracht is a Dutch personnel services provider specialized in the agricultural sector, offering four core service lines: (1) payrolling and temporary staffing (Uitzenden/Payroll) for agricultural employers, (2) collective health insurance intermediation for international and permanent employees via HollandZorg and Zilveren Kruis, (3) an online recruitment and CV database platform under the Seasonalwork.NL sub-brand, and (4) training and education programs delivered with Lentiz | Cursus & Consult. All services are accessed via the proprietary Digitaal Loket online portal, which enables daily worker enrollment, payroll processing, and healthcare allowance declarations.

Product overview

LTO Arbeidskracht is a personnel services company for the Dutch agricultural sector, operating as a multi-product platform centered on four core services: (1) Payrolling and temporary staffing (Uitzenden/Payroll), (2) an online vacancy bank and CV database under the Seasonalwork.NL sub-brand, (3) collective health insurance for international and permanent employees offered through partnerships with HollandZorg and Zilveren Kruis (with sub-brands Agro+Zorg for permanent staff and Werk+Zorg for non-agricultural sectors), and (4) practical training and education programs delivered via Lentiz | Cursus & Consult. All services are accessible through the proprietary Digitaal Loket online portal. The company also provides employer advisory services (Werkgeverszaken) covering housing, registration, banking, and regulatory compliance, and refers customers to LTO Verzekeringen for business insurance products.

Differentiator

Problem solved

Functional benefit

Brands

• Seasonalwork.NL: Online vacancy bank and CV database for agricultural employers to find European candidates for temporary and seasonal work.
• Agro+Zorg
• Werk+Zorg

Quantifiable outcome

• 30% of international workers in the Dutch agricultural sector are insured through LTO Arbeidskracht
• +4 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• HollandZorgcoreStrategic or Co-development PartnerHollandZorg is the primary collective health insurance partner for international seasonal workers. Specializes in health insurance for international workers with features including: no mandatory own risk (reinsured), 100% hospital coverage at all Dutch hospitals, repatriation, emergency dental (max €200/year), EHIC, and online policy management. LTO Arbeidskracht acts as the collective intermediary and administrator.
• Zilveren KruiscoreStrategic or Co-development PartnerZilveren Kruis is the secondary collective health insurance partner, offering a budget-oriented option (Basis Start/Basis Budget) for temporary international workers. Key differences: 70% reimbursement at non-contracted hospitals, documents sent by post, S1 form via Digitaal Loket. Lower cost alternative to HollandZorg.
• NedflexminorStrategic or Co-development PartnerNedflex Agrarisch is listed as a partner providing flexibility solutions for agricultural entrepreneurs, including the most extensive and cost-effective health insurance tailored to temporary foreign workers.
• Lentiz | Cursus & ConsultcoreImplementation/ SI/ Consulting PartnerLentiz | Cursus & Consult delivers all training and education programs for LTO Arbeidskracht, including crop protection licensing (Pools, Engels), effective instruction training in Dutch and Polish, and other agricultural skills programs. Partnership provides 26 tailored training programs.
• UWV EuresminorGTM or Marketing PartnerUWV Eures (European Employment Services) collaborates with LTO Arbeidskracht to promote Seasonalwork.NL and facilitate cross-border recruitment of seasonal workers within the EU. The partnership has been active for 15 years, supporting 'Fair Mobility' principles in agricultural labor recruitment.
• CZ / VGZ / Zilveren Kruis (Agro+Zorg Collectiviteit)coreStrategic or Co-development PartnerThree health insurers (CZ, VGZ, Zilveren Kruis) participate in the Agro+Zorg collective for permanent agricultural workers, offering up to 15% discount on supplementary insurance. This extends LTO Arbeidskracht's insurance offering beyond seasonal workers to all agricultural employees.
• LTO VerzekeringenminorChannel Partner/ Reseller/ DistributorLTO Arbeidskracht refers customers to LTO Verzekeringen for business insurance products (property, liability, income, transport). LTO Arbeidskracht explicitly states it does not act as advisor or intermediary for business insurance. LTO Verzekeringen is a separate entity under LTO Bedrijven.
• LTO Bedrijven (Parent)coreStrategic or Co-development PartnerLTO Arbeidskracht is a wholly-owned subsidiary of LTO Bedrijven, which is the commercial arm of LTO Nederland (LTO Noord, ZLTO, LLTB). LTO Arbeidskracht is one of twelve companies under LTO Bedrijven, which collectively serves nearly 30,000 LTO members.

Scale indicators6 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• Randstad: Global staffing and HR services leader with Dutch operations. Comparable payrolling/staffing business model but operates across all sectors rather than specializing in agriculture.
• Adecco: Global staffing and workforce solutions provider with a Dutch footprint. Overlapping HR services and payroll offerings but as part of a broad multi-vertical portfolio.
• CZ: Major Dutch health insurer participating in the Agro+Zorg collective for permanent agricultural workers. Comparable health insurance product for the Dutch agricultural workforce.
• Visma | Raet: Large Dutch HR/payroll software and services vendor. Comparable payroll and HR administration offerings but as part of a broader enterprise software portfolio rather than a vertical specialist.

Others

• UWV: Dutch employee insurance agency and EURES partner. Comparable regulatory/administrative role in Dutch employment and cross-border labor compliance, with a 15-year GTM partnership with LTO Arbeidskracht.

Direct peers

• Tentoo: Dutch payroll/PEO provider for SMBs and self-employed professionals. Comparable business model (employer-of-record payroll services) but serves a broader SMB market rather than agricultural vertical.
• Nedflex Agrarisch: Listed as a LTO Arbeidskracht partner; provides flexible staffing solutions for agricultural entrepreneurs including health insurance for temporary foreign workers. Direct overlap in target market and offerings.
• AB Werkt: Dutch agricultural staffing and payroll provider serving greenhouse and open-field employers. Directly comparable vertical focus and payrolling service to LTO Arbeidskracht's agricultural employer base.
• HollandZorg: Health insurer specializing in international workers in the Netherlands; LTO Arbeidskracht is its collective intermediary. Highly comparable product (health insurance for migrant/seasonal workers) and overlapping customer base.
• Agriwerker: Dutch job board and recruitment platform focused on the agricultural sector. Directly comparable to LTO's Seasonalwork.NL in targeting agricultural employers with seasonal/international workers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/ltoarbeidskracht

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 LTO Arbeidskracht