Stichting Beschermingsbewind Meerderjarigen

What Stichting Beschermingsbewind Meerderjarigen does

Stichting Beschermingsbewind Meerderjarigen (SBM) is a Dutch non-profit foundation (stichting) founded in 1988 and headquartered in Bergen op Zoom, North Brabant. It provides three court-supervised financial administration services to vulnerable adults: Beschermingsbewind (protective guardianship for individuals temporarily unable to manage their own finances), Schuldenbewind (debt guardianship with five-year court review cycles), and Budgetbeheer (income and asset management including bill payment, allowances, and tax filings). SBM operates under the oversight of the kantonrechter (subdistrict court judge), is audited by a registeraccountant, and holds an AFM vergunning for budget management via Stichting FTI. The organization is affiliated with the Aegis trade association and operates without profit motive.

The foundation runs on a regulated subscription-based revenue model: recurring monthly fees (€73-€185 per client depending on service type and household composition), supplemented by one-time intake fees (€250-€810) and termination fees (€100-€305). All tariffs are set below the maximum permitted by the State Secretary for Justice and Security and published in the Staatscourant. Clients are predominantly acquired through referrals from courts, municipalities, and social services, with supporting inbound channels including phone, email, and an online application form.

Technology infrastructure is minimal but functional: a client management system with a secure online portal called Mijn SBM, which allows clients to monitor deposits and withdrawals on their management accounts via personal credentials. A redesigned website was launched in February 2021 in partnership with YZCommunicatie. The team comprises 17 committed and specialized employees, marketing itself as 'large enough to provide certainty yet small enough for personal contact,' with no religious or political affiliation. No AI/ML capabilities, mobile applications, or proprietary software products are present in the offering.

Name

Stichting Beschermingsbewind Meerderjarigen

Legal name

Stichting Beschermingsbewind Meerderjarigen

Website

https://sbmhalsteren.nl

Company type

Private

Founded year

1988

Operating status

Operating

Headcount range

1–10 employees

Short description

SBM is a 1988-founded Dutch non-profit foundation in Bergen op Zoom, North Brabant, providing court-supervised protective guardianship, debt guardianship, and budget management services to individuals unable to manage their own finances, via a 17-employee team operating under kantonrechter oversight and AFM licensing.

Ownership category

akta.pro rank

Headquarters

HQ city

Bergen op Zoom

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Revenue model

1. Bewindvoering Services: SBM operates as a non-profit foundation (stichting) providing legal guardianship and budget management services. Revenue is generated through fixed monthly fees for protective guardianship (beschermingsbewind), debt guardianship (schuldenbewind), and income management (inkomensbeheer). Fees are regulated by the State Secretary for Justice and Security and published in the Staatscourant. The foundation has no profit motive.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Stichting Beschermingsbewind Meerderjarigen (SBM) is a non-profit foundation that provides court-supervised financial administration for adults who cannot manage their own financial affairs. Its core services include Beschermingsbewind (protective financial guardianship appointed by a judge), Schuldenbewind (debt administration), and Budgetbeheer (income and asset management) for vulnerable adults referred through courts, municipalities, and social services.

Product overview

Stichting Beschermingsbewind Meerderjarigen (SBM) is a non-profit foundation established in 1988 offering three core financial administration services: Beschermingsbewind (protection administration for individuals temporarily unable to manage their own finances), Schuldenbewind (debt administration for those with unmanageable debts), and Budgetbeheer (budget management including income and asset administration). All three services operate through a court-appointed bewindvoerder system under kantonrechter oversight, with separate client bank accounts for financial management.

Differentiator

Problem solved

Functional benefit

Products and services

• Beschermingsbewind (Protective Financial Guardianship)

Quantifiable outcome

• Every 5 years the court assesses whether guardianship can be lifted; earlier lifting possible if debt-free and capable of independent financial management

Named customers2 records

Segments3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Two partnerships are on record, tiered core.

• Branchevereniging Beschermingsbewind en Inkomensbeheer (Aegis)coreOthersSBM is affiliated with the Branchevereniging Beschermingsbewind en Inkomensbeheer (Aegis branch association), demonstrating commitment to industry standards and professional practices in protective guardianship and income management.
• Stichting FTIcoreOthersSBM holds an AFM vergunning (Authority for the Financial Markets license) for budget management through stichting FTI, enabling them to legally provide budget management services.

Scale indicators4 records

Recent moves5 records

Expansion highlights1 record

Broad incumbents

• Humanitas: Large Dutch social services organization offering a broad portfolio including financial support, debt counseling, and guardianship-adjacent services. Comparable to SBM as a Dutch non-profit addressing vulnerable adults, but operating at significantly larger scale and broader scope.
• Leger des Heils (Salvation Army Netherlands): Major Dutch social services organization providing debt counseling, budget management, and support for vulnerable populations. Larger and broader than SBM, but serves overlapping client segments in the same regulatory and social context.

Direct peers

• Stichting FTI: Dutch foundation through which SBM holds its AFM license for budget management. Other bewindvoerders operating under Stichting FTI's AFM vergunning are direct regulatory peers competing for the same court-supervised guardianship mandates.
• NVVK (Nederlandse Vereniging voor Volkskrediet): Dutch trade association for credit banks and social lending organizations. Its members include municipal credit banks (kredietbanken) offering overlapping debt restructuring and budget management services to the same vulnerable populations as SBM.
• Nibud (Nationaal Instituut voor Budgetvoorlichting): National Dutch institute providing independent information and advice on household budgeting and financial management. Highly comparable to SBM's budget management (budgetbeheer) segment, addressing the same population of financially vulnerable Dutch households through education and guidance.
• Schuldhulpmaatje: National Dutch non-profit that pairs volunteers with citizens facing debt problems. Directly comparable to SBM's schuldenbewind service in addressing Dutch household debt issues, with overlapping referral pathways through municipalities and social services.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/stichting-beschermingsbewind-meerderjarigen

Compliance1 record

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 Stichting Beschermingsbewind Meerderjarigen