VoorzieningenFonds
VoorzieningenFonds is a Dutch cooperative founded in 2016 that organizes donation circles (schenkkringen) of 25-50 self-employed entrepreneurs, providing monthly income support during disability via a digital wallet system. It serves 3,334+ ZZP and MKB members across 40+ regional associations plus a national foundation.
- Company typePrivate
- Founded2016
- HeadquartersHengelo, Netherlands
- Headcount1–10
- GTM typeB2C
- OfferingServices
What VoorzieningenFonds does
VoorzieningenFonds is a Dutch cooperative (VoorzieningenFonds Beheer Coöperatieve U.A.) founded in 2016 and headquartered in Hengelo, Netherlands, that provides income protection to self-employed entrepreneurs (ZZP and MKB) during disability caused by illness or accident. Operating through ~10 staff, the company organizes 40+ regional donation circles (schenkkringen) of 25-50 members each, plus a national foundation (NL-direct) and an extended-coverage add-on (VF+3) launched in February 2025, collectively serving 3,334+ participants as of the latest data.
The core technology is a digital wallet system (E-Wallet VoorzieningenFonds) powered by Intersolve eWalletservice, which manages participant contributions, buffers (up to 36x monthly contribution), and automatic disbursements to members who become disabled. Regional associations operate under a shared membership-agreement and approval-workflow model, with an external arbodienst (occupational health service) verifying disability claims. Funds are held in a dedicated Stichting Derdengelden escrow foundation.
The business model is subscription-based: members contribute monthly amounts of €1,000-€3,000 (which flow to other members as donations during illness rather than as company revenue) plus administrative fees of €10.50-€25.00/month and one-time registration fees of €395-€477.95. Go-to-market combines direct online enrollment, word-of-mouth referrals with member referral bonuses, and a partner channel of accounting/administrative/insurance offices across the Netherlands. Customer segments are exclusively individual self-employed entrepreneurs and small business owners — there are no enterprise or institutional customers.
VoorzieningenFonds firmographics
Firmographics- Name
- VoorzieningenFonds
- Legal name
- VoorzieningenFonds Beheer Coöperatieve U.A.
- Website
- https://voorzieningenfonds.nl
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- VoorzieningenFonds is a Dutch cooperative founded in 2016 that organizes donation circles (schenkkringen) of 25-50 self-employed entrepreneurs, providing monthly income support during disability via a digital wallet system. It serves 3,334+ ZZP and MKB members across 40+ regional associations plus a national foundation.
- Ownership category
- akta.pro rank
VoorzieningenFonds industry classification
Industry- Product category
- Mutual-Aid Disability Income Protection
- NAICS
- Grantmaking and Giving Services (81321), Health and Welfare Funds (52512)
- SIC
- Services-Membership Organizations (8600), Services-Social Services (8300)
- akta.pro primary industry
- Federated Giving Organizations (e.g., United Way-type) (BPAGAKAG)
- akta.pro secondary industries
- Donor-Advised Fund (DAF) Sponsors (BPAGAKAF), Cash & Voucher Assistance (CVA) and Emergency Livelihood Support (BPAGAAAJ)
Keywords
Where VoorzieningenFonds is headquartered
LocationHeadquarters
- HQ city
- Hengelo
- HQ country
- Netherlands
- HQ region
- Europe
Offices2 records
Markets served
VoorzieningenFonds business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Revenue model
- Membership Contributions: Monthly contributions from members to their E-Wallets that fund donations to sick members. Members contribute based on selected coverage tier (€1,000-€3,000 monthly)
- Administrative Fees: Monthly fees for administration and wallet management: €10.50 for regional funds administration, €11.00 E-Wallet costs, €3.50 Arbokosten for NL-direct
- Registration Fees: One-time registration fee of €477.95 including VAT for initial setup and E-Wallet activation
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Minimum tier with €1,000 monthly contribution |
| Subscription | Monthly | Standard tiers with €1,500-€2,500 monthly contribution |
| Subscription | Monthly | Maximum tier with €3,000 monthly contribution |
| Subscription | Monthly | VF+3 Extended Coverage |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
VoorzieningenFonds product offering
Product offeringCore offering
VoorzieningenFonds runs a community-based mutual-aid (schenkkring) model under which self-employed entrepreneurs make recurring monthly contributions to a shared E-Wallet and, upon verified disability from illness or accident, receive monthly donations from fellow members. It operates through 40 regional associations plus a national NL-direct foundation and a VF+3 extension that lifts total coverage up to five years. Member contributions are pooled, held in segregated escrow at Intersolve, and disbursed as tax-free donations rather than insurance payouts.
Product overview
VoorzieningenFonds operates as a multi-product platform offering income protection for entrepreneurs during disability. The core offering consists of Regional VoorzieningenFondsen (regional donation circles of 25-50+ entrepreneurs) and NL-direct (national foundation), both providing monthly donations during illness/accident with a maximum 23-month donation period. The VF+3 add-on extends coverage by an additional 3 years. All products use the E-Wallet VoorzieningenFonds system (via Intersolve eWalletservice) for contribution management and donation processing.
Differentiator
Problem solved
Functional benefit
Products and services
- Regionale VoorzieningenFondsen (Regional Schenkkringen) Regional membership organizations that operate as donation circles (schenkkringen) of 25-50+ self-employed entrepreneurs who make monthly contributions and receive monthly donations when a member is disabled by illness or accident, with a maximum donation period of 23 months.
- VoorzieningenFonds NL-direct National foundation providing the same schenkkring donation-circle model for entrepreneurs who do not wish to join a regional fund, with monthly contributions and donations managed through the same E-Wallet infrastructure.
- VoorzieningenFonds Plus 3 jaar (VF+3) Extended national donation circle that layers three additional years of income coverage on top of an existing regional or NL-direct membership, bringing total potential coverage to up to five years of monthly donations during disability.
Quantifiable outcome
- €100/month contribution vs €400-500/month for traditional UWV insurance (mentioned in member interview)
- +1 more outcomes
Companies that use VoorzieningenFonds
Customer profileNamed customers3 records
Segments2 records
Ideal customer profiles2 records
VoorzieningenFonds technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature2 records
VoorzieningenFonds partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and minor.
- Intersolve eWalletservicecoreProvides E-Wallet digital wallet system for participant contributions and donations. Manages fund transfers, contribution collection, and account management. Gelden are protected in Stichting Derdengelden (escrow foundation) specifically for VoorzieningenFonds.
- Samenwerkende Advieskantoren (Partner Accounting/Administrative Offices)coreNetwork of accounting, administrative, and insurance offices across Netherlands that recommend VoorzieningenFonds to their entrepreneur clients. Includes accountant offices, administrative offices, insurance offices, and franchise/network organizations.
- Arbodienst (Occupational Health Service)minorCertified occupational health service engaged for disability assessment and verification of illness cases for NL-direct and VF+3 programs. Determines disability percentage and monitors recovery progress.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
VoorzieningenFonds competitors and assessment
Company assessmentDirect peers
- Broodfonds: Dutch mutual aid concept (literally 'bread fund') where small groups of entrepreneurs pool monthly contributions to support members during illness or disability. Closest functional analog to VoorzieningenFonds' schenkkringen model, predating it and conceptually similar.
- Movir: Specialist Dutch AOV insurer focused on self-employed professionals and ZZP'ers, the exact target segment VoorzieningenFonds serves. Offers traditional disability income insurance, directly competing for the same Dutch ZZP customer.
- TAF: Dutch online AOV specialist targeting ZZP'ers and small business owners with streamlined disability insurance. Closest direct competitor to VoorzieningenFonds in the ZZP income protection market.
- Turien & Co Assuradeuren: Dutch insurance broker specializing in professional and ZZP insurance including AOV. Competes for the same Dutch self-employed customer base, though operating through brokerage rather than direct community model.
Broad incumbents
- Nationale-Nederlanden (NN Group): Major Dutch insurance and asset management group offering AOV products through both NN and OHRA brands. Broad incumbent in the Dutch disability insurance market competing for the same ZZP segment.
- Interpolis: Dutch insurance brand (part of Achmea) with strong positioning among entrepreneurs and ZZP'ers via its 'Glashelder' transparent product philosophy. Competes in the same ZZP income protection market.
- A.S.R. Nederland: Large Dutch insurance company offering AOV and income protection products. Broad incumbent competing in the Dutch disability insurance market including self-employed segments.
- De Goudse Verzekeringen: Dutch mutual insurance company offering AOV (disability) products including for self-employed ZZP'ers. A direct alternative to VoorzieningenFonds' mutual model, but operating as a licensed insurer rather than a donation circle.
- Univé: Large Dutch cooperative insurance company operating on a mutual member-owned model similar in spirit to VoorzieningenFonds' cooperative structure, with insurance products including disability and income protection.
Others
- Stichting ZZP Nederland: Dutch advocacy and service organization for self-employed entrepreneurs. While not an AOV provider, it represents the same ZZP customer segment VoorzieningenFonds targets and is a key influencer and potential partner channel.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
VoorzieningenFonds social profiles
Digital presenceVoorzieningenFonds compliance and trust
Trust signalCompliance1 record
VoorzieningenFonds financial estimates
Financial estimateRevenue estimate
Valuation estimate
VoorzieningenFonds leadership team
Management profileNumber of profiles
Profiles6 records
VoorzieningenFonds subsidiaries and ownership
Company hierarchySubsidiaries3 records
VoorzieningenFonds funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
VoorzieningenFonds M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about VoorzieningenFonds
What does VoorzieningenFonds do?
VoorzieningenFonds runs a community-based mutual-aid (schenkkring) model under which self-employed entrepreneurs make recurring monthly contributions to a shared E-Wallet and, upon verified disability from illness or accident, receive monthly donations from fellow members. It operates through 40 regional associations plus a national NL-direct foundation and a VF+3 extension that lifts total coverage up to five years. Member contributions are pooled, held in segregated escrow at Intersolve, and disbursed as tax-free donations rather than insurance payouts.
Is VoorzieningenFonds a public or private company?
VoorzieningenFonds is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was VoorzieningenFonds founded?
VoorzieningenFonds was founded in 2016. It employs 1 to 10 people.
Where is VoorzieningenFonds based?
VoorzieningenFonds is headquartered in Hengelo, Netherlands, in the Europe region.
How does VoorzieningenFonds make money?
Three revenue lines are on record. Membership Contributions are the primary driver. The others are administrative Fees and registration Fees.
Who are VoorzieningenFonds's main competitors?
Direct peers on record are Broodfonds, Movir, TAF and Turien & Co Assuradeuren. Broad incumbents are Nationale-Nederlanden (NN Group), Interpolis, A.S.R. Nederland, De Goudse Verzekeringen and Univé. Stichting ZZP Nederland is listed as an others.
Does VoorzieningenFonds have an API?
No public API is recorded for VoorzieningenFonds.
What industry is VoorzieningenFonds in?
VoorzieningenFonds's product category is Mutual-Aid Disability Income Protection. Its primary akta.pro industry code is BPAGAKAG, Federated Giving Organizations (e.g., United Way-type), with a secondary code of BPAGAKAF, Donor-Advised Fund (DAF) Sponsors. Its NAICS code is 81321 and its SIC code is 8600.