What Saldo in de Plus does

Saldo in de Plus is a Dutch non-profit foundation (stichting zonder winstoogmerk) headquartered in Heerlen, Limburg, that provides financial management services to residents of Limburg province who are unable to manage their own finances due to personal circumstances. The organization was established by three regional healthcare institutions — GGZ (formerly Mensana), LEVANTOgroep, and related RIBW entities — to deliver professional income and asset management to vulnerable populations, and it now serves clients across the entire province from a single office. It is a member of Horus, the Dutch branch association for guardianship and budget management, which functions as a quality certification mark.

The foundation operates two core products. The first, Bewindvoering (Beschermungsbewind), is a court-ordered guardianship service in which an appointed bewindvoerder assumes full responsibility for a client's financial affairs — payment of fixed costs, mail handling, debt resolution, and ongoing oversight — under judicial supervision. The second, Budgetbeheer, is a contract-based income management service in which a budgetbeheerder helps the client organize income and expenses through a jointly developed budget plan, with an initial one-year term. Supporting technology consists of an online dossier portal (mijn.onview.nl) that gives clients real-time visibility into bank statements and payment records, and a dedicated management account at ABN-AMRO from which cash withdrawal is not permitted. Court supervision, annual audits, and monthly transparent reporting are positioned as core operating standards.

The business model is subscription-based and recurring. Bewindvoering is priced at €110 per month (or €142.25 per month for clients with problematic debts) plus a €621 one-time setup fee, and Budgetbeheer is priced at €59.50 per month plus a €160 setup fee; both costs can be fully reimbursed by the municipality through special assistance (bijzondere bijstand) for low-income clients. Go-to-market is sales-led and direct: clients apply via phone, email, or an online form, after which the foundation schedules a follow-up call and a home visit within roughly one week. Demand generation relies primarily on word-of-mouth and referrals from partner healthcare and social welfare institutions (including LEVANTOgroep, NOVIzorg, and Zuyderwende), with limited paid or digital marketing. Revenue is not publicly disclosed, and the foundation operates under a volunteer board drawn from banking, insurance, and Limburg healthcare and welfare institutions.

Name

Saldo in de Plus

Legal name

Saldo in de Plus

Website

https://saldoindeplus.nl

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Saldo in de Plus is a Dutch non-profit foundation based in Heerlen, Limburg, that provides court-ordered financial guardianship (bewindvoering) and contract-based budget management (budgetbeheer) to residents of Limburg who cannot manage their own finances.

Ownership category

akta.pro rank

Headquarters

HQ city

Heerlen

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D

Revenue model

1. Bewindvoering (Guardianship) Services: Monthly fees for court-appointed guardianship services. Standard rate of €110/month or €142.25/month for clients with problematic debts, plus €621 one-time setup cost.
2. Budget Management Services: Monthly fees for budget management services at €59.50/month plus €160 one-time setup cost. These costs are fully reimbursed by municipalities through special assistance (bijzondere bijstand) for low-income individuals.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Saldo in de Plus is a Dutch non-profit foundation that provides court-ordered financial guardianship (bewindvoering, specifically Beschermingsbewind) and voluntary budget management (budgetbeheer) services for individuals in Limburg, Netherlands who are unable to manage their own finances. The foundation administers client income, pays fixed costs, processes mail, and works to address outstanding debts under court supervision for guardianship cases.

Product overview

Saldo in de Plus is a non-profit foundation offering two core financial management services to residents of Limburg, the Netherlands. The primary offering is Beschermingsbewind (court-ordered guardianship), in which a personal bewindvoerder takes full responsibility for a client's financial affairs, including payment of fixed costs, mail handling, debt resolution, and ongoing financial oversight under judicial supervision. The second offering is Budgetbeheer, a contract-based income management service that helps clients organize income and expenses through a jointly developed budget plan; unlike bewindvoering, it is not mandated by a court. Both services operate from the Heerlen office, provide a single dedicated contact person, issue monthly bank statements from a management account, and offer online dossier access. Pricing for bewindvoering is €110 per month (or €142.25 for problematic debt) plus €621 setup; budgetbeheer costs €59.50 per month plus €160 setup, with costs potentially covered by municipal special assistance for low-income clients.

Differentiator

Problem solved

Functional benefit

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Four partnerships are on record, tiered minor and core.

• ZuyderwendeminorStrategic or Co-development PartnerZuyderwende is located in Heerlen and specializes in ambulatory care for substance and behavioral addictions, their combination, and comorbid issues. They provide small-scale care with a personal, loving, and direct approach to help clients make the step toward a more conscious life with healthier choices.
• LEVANTOgroepcoreStrategic or Co-development PartnerLEVANTOgroep provides support in mental health care and social shelter in South and Central Limburg. Services include Care in the neighborhood, Living in the neighborhood, and Participating in the neighborhood. LEVANTOgroep was also one of the founding initiators of Saldo in de Plus.
• NOVIzorgminorStrategic or Co-development PartnerNOVIzorg is an (recognized WTZi) organization that has been administratively fused with LEVANTOgroep since January 1, 2022. There are multiple locations in the South Limburg region where people receive services and participate in various activities.
• HoruscoreOthersHorus is the branch association for guardianship and budget management organizations in the Netherlands. Membership serves as a quality certification for member organizations. Saldo in de Plus is a member of this association.

Scale indicators1 record

Recent moves4 records

Expansion highlights2 records

Others

• Nibud: Dutch National Institute for Family Finance Information, providing budgeting advice, financial education, and tools. Comparable as a Dutch organization focused on personal financial management, though more educational/advocacy than direct service delivery.

Direct peers

• Humanitas: Large Dutch nonprofit providing social support services including financial coaching, debt counseling, and assistance for vulnerable populations. Operates a similar nonprofit service model targeting individuals needing financial management help.
• Stichting MEE: Dutch nonprofit organization providing support to people with disabilities and chronic conditions, including assistance with financial management and budget coaching. Comparable as a nonprofit social services provider serving vulnerable populations with similar mission and client base.

Broad incumbents

• Flanderijn: Largest Dutch debt management and bewindvoering company, offering integrated debt counseling, budget management, and guardianship services nationwide. Significantly larger and more diversified than Saldo in de Plus, but operates in the same core market with overlapping services and target clients.
• Leger des Heils: Major Dutch social services nonprofit (Salvation Army Netherlands) providing broad support including financial guidance, debt counseling, and shelter services. Comparable as a nonprofit addressing financial vulnerability, though with a much wider service portfolio.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/saldo-in-de-plus

Revenue estimate

Valuation estimate

Number of profiles

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 Saldo in de Plus