Figlo

What Figlo does

Vitec Figlo B.V. is a Netherlands-based SaaS provider of financial planning and advisory software, operating for over 30 years (founded 1994/1996) from Capelle aan den IJssel and Zwolle. The company serves Dutch financial advisors, accountants, and corporate clients — including banks, insurers, and pension funds — with a modular cloud platform centered on Figlo Hypotheken (mortgage advisory) and Figlo Planning (financial planning), supplemented by Figlo Alerts (notification engine), Figlo MijnKluis (customer document vault), and Figlo Start (entry-level module).

The underlying technology is a cloud-based SaaS platform with a core calculation engine that handles mortgage, pension, and insurance calculations, with real-time compliance updates for Dutch fiscal and social legislation included in license costs. The product is differentiated by embedded integrations with Dutch data providers — MoneyView (rates and conditions, AeQuote module), NIBUD (cost-of-living figures), HDN (mortgage data exchange), and Ockto (customer source data) — plus SOC 2 Type 2, ISO/IEC 27001, FSQS-NL, and EcoVadis 2026 certifications. Figlo Calculations extends the engine as an API for enterprise customers to embed into their own customer-facing platforms.

The business operates on annual SaaS subscription licensing with modular pricing (Figlo Start as entry tier, plus add-on modules), distributed through direct enterprise field sales and inside sales supported by website-based demo requests, email newsletters, webinars, and social media. Vitec Figlo is a privately held subsidiary of Swedish Nasdaq Stockholm-listed Vitec Software Group AB, with ~48 employees and no disclosed revenue or external funding.

Name

Figlo

Legal name

Vitec Figlo B.V.

Website

https://vitec-figlo.com

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

11–50 employees

Short description

Vitec Figlo is a Netherlands-based SaaS provider of cloud financial planning and mortgage advisory software, serving Dutch financial advisors, accountants, banks, insurers, and pension funds via modular products and an API calculation engine. It is a subsidiary of Vitec Software Group AB.

Ownership category

akta.pro rank

Product category

Financial Planning Software

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro industry

PRIMARYFSAEAAAJ

ESG/Sustainable Investment Advisory

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Investment Advisory & Financial Planning

Keywords

• Financial planning software
• Mortgage advisory software
• Pension planning software
• Wealth management platform
• Financial advisory SaaS

Headquarters

HQ city

Capelle aan den IJssel

HQ country

Netherlands

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. SaaS Subscription Licensing: SaaS subscription model with modular pricing. Base starts with Figlo Start, with add-on modules for Planning, Hypotheken, Alerts, and Calculations. License costs include automatic updates for tax and social legislation changes.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Vitec Figlo develops modular, cloud-based SaaS financial planning and advisory software for the Dutch financial sector. Its portfolio covers the full advisory workflow — from orientation through insight, overview and complete financial planning — for mortgage, pension and general financial planning, complemented by an API-based calculation engine (Figlo Calculations) that banks, insurers and pension funds can embed in their own customer-facing platforms. All offerings include automatic updates for changes in Dutch fiscal and social legislation.

Product overview

Vitec Figlo develops generic SaaS technology solutions for the financial sector. The offering is a modular platform-plus-modules architecture centered on Figlo Hypotheken (mortgage advisory) and Figlo Planning (financial planning), supplemented by Figlo Alerts (notification system) and Figlo MijnKluis (secure document storage). The core calculation engine is delivered via Figlo Calculations API for enterprise customers. All applications are cloud-based, multilingual, and include integrated reference data from NIBUD and MoneyView. The modular structure allows customers to pay only for modules used, starting with Figlo Start as the entry level.

Differentiator

Problem solved

Functional benefit

Brands

• Figlo Hypotheken: SaaS mortgage advisory software covering the full advisory process from orientation to aftercare.
• Figlo Planning
• Figlo Alerts
• Figlo Calculations

Quantifiable outcome

• Approximately 60 different alerts for monitoring client financial positions
• +2 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability3 records

Feature9 records

Partnerships

Four partnerships are on record, tiered core.

• MoneyViewcoreTechnology or IntegrationMoneyView provides product comparison data integrated into Figlo Hypotheken and Figlo Planning. Includes current rates and conditions from lenders, companies and products, plus the AeQuote module for premium calculation and comparison of financial products (ORV, WLV, AOV, mortgages, pension, DIL, DIP, Box 3 accounts, savings insurance).
• NIBUDcoreTechnology or IntegrationNIBUD (Nationaal Instituut voor Budgetvoorlichting) reference figures for determining cost of living fully integrated within Figlo Hypotheken for accurate financial assessments.
• HDN (Hypotheek Data Netwerk)coreTechnology or IntegrationHDN connection for sending and receiving various message types (AX, SX, OX, IA, IX, DA, DX, WX, LX) for product applications and document exchange in mortgage advisory processes.
• OcktocoreTechnology or IntegrationOckto provides source data import functionality allowing customers to securely share financial data with advisors. One-click integration in Figlo Start environment. Requires additional license.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Visma: Norwegian/pan-Nordic vertical-SaaS group operating in accounting, financial services, and SMB software. Comparable to Vitec Software Group (Figlo's parent) in business model, geographic footprint, and vertical-SaaS roll-up strategy.
• Envestnet: US wealth-management technology platform offering portfolio management, reporting, and advisor tools. Comparable as a broad incumbent in financial-advisor technology with API and embedded capabilities analogous to Figlo Calculations.
• TietoEVRY: Nordic IT software and services group operating across banking, financial services, and public sector. Comparable as a broad incumbent serving Nordic and Northern European customers with regulated-industry software solutions.

Direct peers

• Nitrogen (formerly Riskalyze): US SaaS risk tolerance and financial planning platform for advisors. Comparable as a vertically-focused tool serving advisors with regulated planning workflows and quantitative client-engagement features.
• MoneyGuide Pro: US-based SaaS financial planning software for financial advisors. Directly comparable to Figlo Planning in modular planning functionality and target customer (financial advisors offering comprehensive plans). Both serve regulated advice workflows with calculations and scenarios.
• Orion Advisor Technology: US advisor technology platform offering portfolio accounting, performance reporting, and financial planning. Comparable as a technology stack serving financial advisors with modular tools and an enterprise-anchor model.
• Hypoport: German fintech platform serving mortgage and financial services intermediaries. Comparable in addressing the European mortgage advisory software niche with similar integration complexity to bank/insurer back-end systems.
• eMoney Advisor: US-based SaaS financial planning platform for advisors, owned by Fidelity. Comparable to Figlo's full advisory suite with client portal, advisor dashboard, and modular planning/mortgage/insurance workflows. Closest large-scale analogue to Figlo's integrated offering.
• CREALOGIX: Swiss digital banking and wealth-management software provider serving European banks and financial institutions. Comparable as a European fintech offering embedded calculation, advisory, and digital-banking capabilities for institutional clients.
• RightCapital: US SaaS financial planning platform for financial advisors with a modular architecture and integration-driven approach. Comparable to Figlo Planning's modular SaaS structure and integration with third-party data providers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/vitec-figlo

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Figlo