Vaes Finance

What Vaes Finance does

Vaes Finance is an independent Dutch financial advisory firm founded in 2012 and headquartered in Spijkenisse, with a second office in Rotterdam, serving private clients and small businesses across the South Holland province. The company delivers advice and intermediation across five core service lines: mortgages (Hypotheek), insurance (Verzekering), pensions (Pensioen), wealth accumulation (Vermogensopbouw), and business services (Zakelijk), including a more recent digital layer via an online damage-reporting portal. Its offerings cover the full consumer and SME financial lifecycle, with specialized sub-products for bridging loans, cohabitation advisory, and new-construction financing. The firm is a broker rather than a principal, holding direct access to 20+ mortgage providers (including ING, BN Amro, Syntrus Achmea, Aegon, and Allianz) and partnerships with 15+ regional real estate developers and multiple broker referral partners.

The underlying technology stack is minimal: Vaes Finance uses no proprietary platform, no public API, no mobile app, and no AI/ML components; service delivery is relationship-driven via office consultations, home visits, phone, and email. The operating model is therefore sales-led, with client acquisition generated predominantly through developer and broker referral channels, organic word-of-mouth, and content marketing (blogs, social media, email newsletter). Revenue is generated on a professional-services commission basis via mortgage origination fees, insurance brokerage commissions, and advisory fees, with a free initial consultation used as the entry point.

The firm is privately held and founder-led, with Chris Vaes as Director and a partner team of nine named professionals, including financial advisors, a damage insurance specialist, an internal services manager, and a relationship manager. Because revenue is not disclosed and no external funding has been raised, the company operates as a mature, regionally-anchored small business with modest but functionally diversified service breadth and no technology differentiation other than its partner network depth.

Name

Vaes Finance

Legal name

Vaes Finance

Website

https://vaesfinance.nl

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Vaes Finance is an independent Dutch financial advisory firm founded in 2012, based in Spijkenisse and Rotterdam, providing mortgage, insurance, pension, wealth-building, and business financing advisory to private clients and SMEs across South Holland through partnerships with 20+ lenders and 15+ developers.

Ownership category

akta.pro rank

Headquarters

HQ city

Spijkenisse

HQ country

Netherlands

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Advisory and Intermediation: Advisory and intermediation services for residential mortgages, including new build financing, bridging loans, and mortgage statements/certificates for new construction projects.
2. Insurance Advisory and Intermediation: Advisory services for personal insurance products (damage insurance, life insurance) and business insurance products (liability, legal protection, property, cyber).
3. Pension Advisory: Advisory services addressing pension gaps, retirement planning, and wealth accumulation strategies.
4. Business Financial Services: Advisory and intermediation for commercial financing (lease, business loans, credit, commercial mortgages, crowdfunding) and commercial insurance.
5. Wealth Management Advisory: Advisory services for wealth accumulation and investment planning, including portfolio setup and monitoring.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Vaes Finance is an independent financial advisory and intermediation firm that advises and brokers residential mortgages (with access to more than 20 lenders), personal and business insurance, pension solutions, and wealth-building products for private clients and entrepreneurs in South Holland. The firm also provides commercial financing (lease, business loans, commercial mortgages, crowdfunding) and acts as the embedded financial partner for several regional new-build housing developments, issuing mortgage declarations and supporting buyers through to completion.

Product overview

Vaes Finance is an independent financial advisory firm based in Spijkenisse and Rotterdam, serving clients throughout South Holland with a focus on the Rotterdam region. The company offers a comprehensive suite of financial services organized around five core offerings: Hypotheek (mortgage advisory with access to 20+ lenders), Verzekering (insurance brokerage), Pensioen (pension planning), Vermogensopbouw (wealth building), and Zakelijk (business services including financing and insurance). Supporting these core services are specialized products such as Overbrugging (bridging loans) for homeowners transitioning between properties, and Samenwonen advisory for cohabiting couples. The company also serves as a partner for numerous new construction projects across the region, providing mortgage declarations and financial checks for new build purchases. Services are delivered through personal consultations at their offices or at clients' homes, supplemented by an online damage reporting portal.

Differentiator

Problem solved

Functional benefit

Products and services

• Hypotheek (Mortgage Advisory and Brokerage)

Named customers5 records

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

13 partnerships are on record, tiered minor.

• De Langen & van den BergminorStrategic or Co-development PartnerProject developer partner for new construction financing. Vaes Finance provides financial advisory and mortgage services for buyers of De Langen & van den Berg developments.
• LeytenminorStrategic or Co-development PartnerReal estate developer focused on urban development. Partnership for new build project financing including Het Hoofdkwartier Rotterdam.
• HeijmansminorStrategic or Co-development PartnerListed real estate company (beursgenoteerd) developing residential projects. Partnership for financing of Heijmans developments including Park Vijfsluizen, Nieuw Kralingen, and De Scharnier.
• StebruminorStrategic or Co-development PartnerFamily-owned real estate developer since 2005. Partnership for new construction financing for Stebru projects including Maestro in Den Haag.
• BO WonenminorStrategic or Co-development PartnerProject developer with personal approach. Partnership for Gorzenpark project financing in Oud-Beijerland.
• TW3minorChannel Partner/ Reseller/ DistributorReal estate brokerage, strategy, and marketing firm. Acts as connecting factor between developer, financial advisor, and customer.
• Kompas MakelaarsminorChannel Partner/ Reseller/ DistributorMarket leader in Spijkenisse region for 35+ years. Refers clients to Vaes Finance for mortgage and financial advisory services.
• Stad & LandminorChannel Partner/ Reseller/ DistributorNVM Makelaars (real estate brokers) serving South Holland. Refers clients seeking financial services to Vaes Finance.
• Zondag ontwikkelingminorStrategic or Co-development PartnerReal estate developer with 40+ years experience. Partnership for Wonen in Matchpoint project in Mijdrecht.
• Van MierlominorStrategic or Co-development PartnerSustainable real estate developer. Partnership for sustainable new construction financing.
• HD GroepminorStrategic or Co-development PartnerReal estate developer specializing in circular economy. Professional development with in-house architects and project managers.
• Sens Real EstateminorStrategic or Co-development PartnerUrban project developer transforming inner-city locations. Partnership for urban development financing.
• Batenburg Bouw & OntwikkelingminorStrategic or Co-development PartnerReal estate developer partner for Matchpoint project in Mijdrecht.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Rabobank: Major Dutch bank offering mortgages, insurance, and pensions. Broad incumbent in the same end-markets as Vaes Finance; competes via its own tied advisor network and direct channels across South Holland.
• ING Nederland: Large Dutch bank providing mortgages, insurance, and pensions. Both a Vaes Finance lending partner and a competitor via its own direct mortgage distribution; represents the captive-channel alternative to independent advice.
• Aon Nederland: Global insurance and risk advisory firm with a Dutch practice. Comparable in offering commercial insurance, risk management, and employee benefits advisory to Dutch SMEs — overlapping with Vaes Finance's 'Zakelijke verzekeringen' offering.

Emerging players

• Moneyou: Dutch direct online mortgage and savings provider. Comparable end-customer (Dutch mortgage borrower) but competes as a direct lender rather than an advisor, illustrating the disintermediation risk to traditional brokers like Vaes Finance.
• Independer: Dutch online comparison platform for insurance, mortgages, and financial products. Comparable in that it also helps Dutch consumers select mortgages and insurance across providers, though delivered via a digital rather than advisory model.

Regional players

• Advieskeuze: Dutch comparison/listing platform for financial advisors in the Netherlands. Adjacent comparator for Vaes Finance's positioning as a local independent financial advisor in South Holland.

Direct peers

• Hypotheek Visie: National Dutch mortgage broker network with regional offices. Comparable independent multi-lender mortgage advice plus insurance and financial planning services to retail clients.
• Huis & Hypotheek: Dutch mortgage and insurance advisory chain. Comparable independent advisory offering focused on residential mortgages, insurance, and related financial products for Dutch consumers.
• De Hypotheekshop: Largest Dutch franchise chain of independent mortgage advisors. Directly comparable to Vaes Finance: multi-advisor model, access to multiple lenders, focus on residential mortgages, insurance, and pensions across regional Dutch markets.
• De Hypotheker: Dutch mortgage advisory franchise with hundreds of branches nationwide. Closely comparable business model: independent broker accessing multiple lenders, plus cross-sell into insurance and financial planning.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/vaesfinance
• LinkedInlinkedin.com/company/vaesfinance
• Instagraminstagram.com/vaes_finance

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 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 Vaes Finance