SchuldenlabNL

Name

SchuldenlabNL

Legal name

Stichting SchuldenlabNL

Website

https://schuldenlab.nl

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Social Services - Debt Assistance Coordination and Scaling

NAICS

Grantmaking Foundations (813211)

akta.pro primary industry

Corporate Foundations & CSR Grantmaking (BPAGAKAC)

akta.pro secondary industry

Grantmaking & Philanthropic Funds (Institutional Donors) (BPADAOAB)

Keywords

• Debt assistance methods
• Financial health coalition
• Public-private partnership
• Debt relief scaling
• Financial wellbeing programs

Headquarters

HQ city

Den Haag

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Coalition Membership and Partner Contributions: SchuldenlabNL operates as a public-private partnership sustained by contributions from its broad network of partners, which include municipalities, banks, insurers, energy companies, healthcare organizations, and government ministries. Partners participate in coalition activities, fund joint initiatives, and co-finance the scaling of debt assistance methods. As an ANBI (Algemeen Nut Beogende Instelling — public benefit institution), SchuldenlabNL relies on structural funding and grants rather than commercial revenue.

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

SchuldenlabNL is a Dutch non-profit foundation that coordinates, accredits, and nationally scales nine proven debt assistance methods (NSR/Geldfit, De VoorzieningenWijzer, Hoe word je rijk?, Jongeren Perspectief Fonds, Plinkr Nazorg, Socialdebt, Doorbraakmethode, Collectief Schuldregelen, and Over Rood). It does not provide direct debt assistance itself but serves as an amplification and scaling infrastructure, building a coalition of 100+ partners across municipalities, banks, insurers, ministries, employers, and sports clubs. Revenue comes from structural partner contributions and grants rather than commercial sales.

Product overview

SchuldenlabNL operates as a coordination foundation that scales locally-proven debt assistance methods nationally to reduce fragmentation in the help offering. The organization does not provide direct debt assistance but serves as an amplification and scaling infrastructure. The core portfolio consists of 9 debt assistance methods: Nederlandse Schuldhulproute (NSR) with Geldfit as its public-facing service, De VoorzieningenWijzer, Hoe word je rijk, Jongeren Perspectief Fonds, Plinkr Nazorg, Socialdebt, Doorbraakmethode, Collectief Schuldregelen, and Over Rood. NSR/Geldfit serves as the national entry point with 24/7 availability via phone, web, and WhatsApp. The VoorzieningenWijzer is an online benefits discovery tool in 67 municipalities. Hoe word je rijk delivers financial education to youth via schools. The remaining methods address specific target groups: youth (JPF, Socialdebt), people exiting debt management (Plinkr), multi-problem households (Doorbraakmethode), and collective debt resolution. In late 2025, SchuldenlabNL merged with NCFG to form Stichting Financieel Gezond Nederland (SFGN).

Differentiator

Problem solved

Functional benefit

Products and services

• Nederlandse Schuldhulproute (NSR) National routing infrastructure connecting people with financial worries to appropriate help through four pathways: online self-help, digital buddy (fiKks), local volunteers (Humanitas/SchuldHulpMaatje), and professional municipal debt assistance. Scaled by SchuldenlabNL and active in 198 Dutch municipalities, it serves as the structural delivery channel for the Geldfit entry point.
• De VoorzieningenWijzer Online tool that helps residents discover and apply for government allowances, municipal schemes, and social funds (including the Regelingencheck). Active in 100+ municipalities across all 12 Dutch provinces, it helps prevent debt by mapping unclaimed benefits and subsidies to eligible households.
• Hoe word je rijk? Multi-lesson financial education program for young people (16-21) delivered through guest teaching in VMBO and MBO schools. Active in 30 municipalities in 2025-2026 with planned structural reach of 26,000 young people per year and total reach of 78,059 youth with 348,744 unique learning moments since 2012.
• Jongeren Perspectief Fonds (JPF) Fund that helps young people aged 18-27 with debts achieve a fresh start by combining debt settlement with coaching and support to prevent repeat debt and support integration into society.
• Plinkr Nazorg Aftercare service and online platform for people who have completed debt settlement or are exiting budget management. It provides an overview, identifies available schemes, and supports the transition to independent financial management.
• Socialdebt Coaching service for young people aged 16-27 that helps them move from debt to a savings buffer through personal guidance and support, achieving financial independence.
• Doorbraakmethode Method for multi-problem households that combines debt assistance with psychosocial support, focused on creating breakthrough moments and sustainable solutions for complex situations.
• Collectief Schuldregelen Collective debt settlement method that accelerates and streamlines debt assistance through a coordinated approach, enabling faster and more predictable debt resolution.
• Over Rood Debt assistance method focused on early intervention and prevention, helping people manage financial challenges before they become unmanageable problems.
• Geldfit Zakelijk Specialized portal of the Geldfit service targeting entrepreneurs and SME owners to assess financial health and find appropriate business-focused help. Deloitte measured a €36 million macro-economic impact in 2022.

Quantifiable outcome

• €36 million macro-economic impact from Geldfit Zakelijk in 2022 (Deloitte, 2023)
• +7 more outcomes

Named customers12 records

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

26 partnerships are on record, tiered flagship / core, minor and core.

• Stichting Financieel Gezond Nederland (SFGN)flagship / coreStrategic or Co-development Partner · 12 November 2025SFGN was formed by the merger of SchuldenlabNL and the Nationale Coalitie Financiële Gezondheid (NCFG) in November 2025. Queen Máxima serves as honorary chair. Dick Benschop is board chair and Jasmijn Besorak is director. SFGN represents the unified national platform for financial health in the Netherlands.
• Centraal Justitieel Incassobureau (CJIB)minorStrategic or Co-development Partner · 23 September 2025CJIB and NSR signed a cooperation agreement in September 2025 for a one-year pilot starting November 2025. CJIB refers people who cannot pay amounts owed to Geldfit for broader financial assistance, combining debt recovery with financial health support.
• BelastingdienstcoreStrategic or Co-development Partner · 24 April 2025Julien Spliet (Deputy Director-General of the Belastingdienst) and Martin Suithoff (Director of NSR) signed a four-year cooperation agreement on 24 April 2025. The Belastingdienst refers people with financial worries to Geldfit, expanding early intervention for both households and entrepreneurs.
• a.s.r.coreStrategic or Co-development Partner · 25 November 2024a.s.r. (ASR Verzekeringen) formalized its partnership with SchuldenlabNL in November 2024, committing to support the scaling of debt assistance methods and the NCFG's employer-focused financial health initiatives.
• Nationale Coalitie Financiële Gezondheid (NCFG)flagship / coreStrategic or Co-development Partner · 29 November 2022NCFG was established on 29 November 2022 by initiative of SchuldenlabNL, Deloitte, ING, and VNO-NCW. Over 50 organizations from public and private sectors work together to improve the financial health of employees, customers, and households. NCFG merged into SFGN in November 2025.
• DeloittecoreStrategic or Co-development Partner · 29 November 2022Deloitte was one of four initiators of the NCFG (along with SchuldenlabNL, ING, VNO-NCW). Deloitte also conducts impact measurements for SchuldenlabNL and the NSR, publishing reports on the economic impact of Geldfit Zakelijk (€36M in 2022) and other programs.
• INGcoreStrategic or Co-development Partner · 29 November 2022ING is a co-initiator of NCFG and a founding partner of SchuldenlabNL. ING provides staff (Bart Nieuwstraten is Impact Manager, seconded from ING), funds programs (ING Nederland Fonds), sponsors 'Hoe word je rijk?', and partners in Niemand Buitenspel (with KNVB). ING Nederland Fonds supports financial education for youth.
• VNO-NCWcoreStrategic or Co-development Partner · 29 November 2022VNO-NCW (employers' organization) is a co-initiator of NCFG and the main business advocacy partner, contributing its network of Dutch employers to the coalition for financial health.
• KNVBcoreStrategic or Co-development Partner · 1 January 2022The KNVB (Royal Dutch Football Association) partners with ING and SchuldenlabNL in the Niemand Buitenspel program, leveraging 800+ amateur football clubs to identify and support families with financial problems. Over 650 trained Financieel Contactpersonen operate at clubs nationwide.
• Koningin Máximaflagship / coreOthersQueen Máxima has been honorary chair (erevoorzitter) of SchuldenlabNL since its founding in 2018. She hosted the SFGN launch at Paleis Noordeinde in November 2025 and continues as honorary chair of SFGN. She conducts working visits to debt assistance programs, participates in NCFG action meetings, and represents the initiative at international forums (e.g., INSEAD Alumni Forum Europe 2025).
• Money StartcoreStrategic or Co-development PartnerMoney Start is the operator of the 'Hoe word je rijk?' financial education program, one of the nine methods scaled by SchuldenlabNL. Money Start won municipal tenders in Amsterdam, Den Haag, and Rijssen-Holten in 2025, and collaborates with ING Nederland Fonds on youth financial education.
• De VoorzieningenWijzercoreStrategic or Co-development PartnerDe VoorzieningenWijzer is one of the nine debt assistance methods scaled by SchuldenlabNL. It is an independent organization with its own team (Erik Feijen, Edwin Burgman) that provides an online tool helping residents discover benefits and subsidies. Active in 67 municipalities (100th milestone in July 2025) with nationwide coverage across all provinces.
• PlinkrcoreStrategic or Co-development PartnerPlinkr (Plinkr Nazorg) is one of the nine methods scaled by SchuldenlabNL. It helps residents reduce budget management and move toward financial independence. Active in an expanding number of municipalities including De Fryske Marren (October 2025), Dronten, Hollands Kroon, Roermond, Tiel, Stein, Sittard-Geleen, and others.
• GeldfitcoreStrategic or Co-development PartnerGeldfit is the entry point for the Nederlandse Schuldhulproute (NSR), one of the nine methods. Accessible via free phone (0800-8115), website (in 6 languages), WhatsApp, and chat. Available in 198 municipalities. Geldfit Zakelijk serves entrepreneurs with financial problems. In 2023, Geldfit saw 1.2 million website visitors and 15,000+ phone calls.
• SocialdebtcoreStrategic or Co-development PartnerSocialdebt is one of the nine methods scaled by SchuldenlabNL. It coaches young people from debt to savings buffer. Winner of the Ketelbinkie Prize (2024). Supported by ING Nederland Fonds. Expanded to Den Haag in 2025 with partners SUN Nederland, SFDH, and JIT Haaglanden. Reduced youth waitlist to 1-2 weeks.
• SyncassominorStrategic or Co-development PartnerSyncasso (incasso and gerechtsdeurwaarderskantoor) partnered with SchuldenlabNL to create the youth book 'Geen Saldo' (with Caja Cazemier, published by Ploegsma) during Week van het Geld 2025, targeting 12-16 year olds. Syncasso also joined the Plinkr debt tool in 2024.
• Nederlandse LoterijminorStrategic or Co-development PartnerNederlandse Loterij partners with NSR to help players with gambling-related financial worries, referring them to Geldfit for broader financial support.
• ING Nederland FondscoreGTM or Marketing PartnerING Nederland Fonds co-invests with Money Start in financial education for youth. At the ING Nederland Fonds year-end event, funding priorities for youth financial literacy are set, with joint investment in expanding 'Hoe word je rijk?' and supporting Socialdebt.
• VattenfallminorStrategic or Co-development PartnerVattenfall partnered with SchuldenlabNL as of March 2025, contributing to the energy poverty and financial health agenda within the broader coalition.
• EnecominorStrategic or Co-development PartnerEneco is a long-standing energy partner of SchuldenlabNL, strengthened by a renewed partnership agreement in April 2025. Eneco contributes to the energy cost management and financial health programs, particularly relevant given the Energie Noodfonds (Energy Emergency Fund) which received 193,600+ applications.
• MenzisminorStrategic or Co-development PartnerMenzis health insurer partnered with NSR in a cooperation to fight financial worries, combining health insurance expertise with debt prevention (Coöperatie Menzis en NSR bundelen krachten tegen geldzorgen Nederland).
• ADG DienstengroepcoreTechnology or IntegrationADG developed fiKks, a digital buddy platform used within the NSR as one of the four routing pathways. fiKks includes an app, a business platform, and a buddy website, enabling companies, municipalities, and citizens to jointly help people with debt concerns.
• ABN AMROminorStrategic or Co-development PartnerABN AMRO is listed as partner of SchuldenlabNL and was the venue for the NCFG launch (November 2022). The bank participates in the NVB Working Group on Debt Problems and refers customers with financial problems to the NSR.
• RabobankminorStrategic or Co-development PartnerRabobank is a financial partner of SchuldenlabNL and co-financier of the Geld fit initiatief. The bank participates in the NLFI Kwartetbank and refers SME and retail customers to Geldfit.
• HumanitasminorStrategic or Co-development PartnerHumanitas provides local volunteers for the NSR's third pathway (local volunteer), complementing the digital and professional pathways. Humanitas also co-developed Geldfit in 2016.
• SchuldHulpMaatjeminorStrategic or Co-development PartnerSchuldHulpMaatje provides volunteer debt advisors as part of the NSR's local volunteer pathway. It was a co-developer of Geldfit in 2016 and continues to serve as a grassroots referral channel for people with financial problems.

Scale indicators12 records

Recent moves13 records

Expansion highlights6 records

Broad incumbents

• Oranje Fonds: One of the largest Dutch social-cohesion grantmaking foundations, distributing lottery-funded grants to community initiatives. Comparable as an established Dutch grantmaking foundation with similar ANBI status and national reach, though focused on social cohesion rather than debt specifically.
• Stichting DOEN: Dutch foundation funding sustainable and social innovation, supporting pioneers and impact ventures. Comparable as a Dutch foundation using coalition and partnership models to scale social innovation, with similar funder base among progressive corporates.

Direct peers

• Money Advice Trust: UK charity operating National Debtline and Business Debtline, combining direct advice service delivery with policy advocacy. Comparable as a national-scale debt-advice infrastructure organization addressing similar population needs.
• Nationale Coalitie Financiële Gezondheid (NCFG): The Dutch coalition for financial health co-initiated by SchuldenlabNL, Deloitte, ING, and VNO-NCW in November 2022 and merged into SFGN in November 2025. Directly comparable as the sister coalition that has now combined with SchuldenlabNL.
• Stichting Financieel Gezond Nederland (SFGN): The successor entity formed in November 2025 by merging SchuldenlabNL with the NCFG; continues the same mission of national financial-health coordination with Queen Máxima as honorary chair. Directly comparable as it inherits SchuldenlabNL's mandate, partner network, and scaled methods.
• Money Wellness: UK financial-wellbeing charity providing free debt advice, money guidance, and workplace financial education. Comparable in combining direct advice with employer-channel distribution similar to the NCFG model.
• Nibud (Nationaal Instituut voor Budgetvoorlichting): The Dutch National Institute for Family Finance Information, a comparable Dutch non-profit focused on financial behavior, budgeting, and household financial health. Closest domestic peer given overlapping mission on financial wellbeing and educational outreach.
• StepChange Debt Charity: One of the UK's largest debt advice charities, providing free debt advice and money management tools. Comparable in mission and target population to SchuldenlabNL's NSR/Geldfit national entry point.
• Schuldenlab070: The local Den Haag predecessor lab from which SchuldenlabNL was scaled nationally in 2018. Comparable as the original operating model and proof-of-concept for the current foundation structure.
• Wijzer in Geldzaken: Dutch public-private platform for financial education, jointly initiated by the Dutch Ministry of Finance and financial sector partners. Comparable as a national financial-education coalition with similar stakeholder model and Dutch scope.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/schuldenlabnl

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

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Frequently asked questions about SchuldenlabNL