VZP Advies

What VZP Advies does

VZP Advies (legally Van Zon en Partners, trading as VZP Hypotheken & Verzekeringen) is an independent Dutch financial advisory firm headquartered at Agro Business Park 22 in Wageningen, Gelderland. Founded in 2006 by Roland van Zon and John Korthouwer, the firm provides mortgage advisory, insurance brokerage, and wealth-building planning services to private individuals and small business owners across the Wageningen/Gelderland region. The firm holds a WFT license (number 12016413) under the Dutch Financial Supervision Act and maintains SEH, FFP, and KiFiD registrations; the team of approximately 15 people includes four partners (van Zon, Korthouwer, Hardeman, Wolbrink), several FFP-certified financial planners and insurance specialists, and administrative support. There is no proprietary technology platform; service delivery is relationship-led through in-person appointments at the Wageningen office, supplemented by phone, email, and an informational website with a blog covering mortgage, insurance, and NHG topics.

The firm's revenue model is commission-based, drawing arrangement fees from lenders on mortgage placements and commissions from insurers on policy placements; initial mortgage checks and insurance consultations are offered free of charge as lead-generation tools. Distribution is exclusively direct-to-customer via phone, email, and website contact forms, with no digital self-service or marketplace presence. Marketing relies on educational content, LinkedIn presence of individual advisors, and word-of-mouth referrals in the regional market. Recent commercial moves include a November 2025 launch of business financing services (commercial real estate, leasing, revolving credit), GTM partnerships with recreation parks (Soof aan de Rijn, De Thijmse Berg) for vacation home financing, and a co-marketing partnership with interior design firm Woongelofelijk Van Donzel. The firm operates as a private partnership with no external investors, no subsidiaries, and no M&A history.

Name

VZP Advies

Legal name

Van Zon en Partners

Website

https://vzpadvies.nl

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

1–10 employees

Short description

VZP Advies is an independent Dutch financial advisory firm in Wageningen providing mortgage, insurance, and wealth-building advice to private individuals and small business owners across the Gelderland region under a WFT license.

Ownership category

akta.pro rank

Headquarters

HQ city

Wageningen

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Advisory and Arrangement: Provides independent mortgage advice and arranges financing for home purchases, renovations, and refinancing. Revenue likely comes from arrangement fees from lenders and advisory fees.
2. Insurance Advisory and Brokerage: Independent insurance advisory and brokerage services for both private individuals and business clients. Compares offerings across multiple insurers to find best solutions.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

VZP Advies is an independent Dutch financial advisory partnership that advises private individuals and small business owners on mortgages, insurance, and wealth-building, then arranges financing or insurance on their behalf. Services are delivered face-to-face by WFT-licensed, FFP-certified planners at the Wageningen office, with revenue earned via lender and insurer commissions rather than upfront advisory fees. The offering is centered on three pillars: Hypotheken (mortgages), Verzekeringen (insurance), and Vermogensopbouw (wealth accumulation planning), supplemented by a free mortgage check and business financing solutions for entrepreneurs.

Product overview

VZP Hypotheken & Verzekeringen is a fully independent financial advisory firm offering a unified service portfolio centered on three core pillars: mortgage advisory services (Hypotheken), insurance advisory services (Verzekeringen), and wealth building planning (Vermogensopbouw). The company supplements its core offerings with supplementary services including a free mortgage check, online mortgage calculators, and business financing solutions for entrepreneurs. All services are delivered through a network of qualified financial advisors providing personalized, face-to-face consultation.

Differentiator

Problem solved

Functional benefit

Products and services

• Hypotheken (Mortgages)

Quantifiable outcome

• Free initial mortgage check providing clear calculation and personal advice beyond standard online tools
• +2 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered minor.

• Woongelofelijk Van DonzelminorStrategic or Co-development Partner · 1 January 2024Collaboration with interior design specialists for 'smart living and smart financing' content. Woongelofelijk Van Donzel provides complimentary interior design advice while VZP offers financing guidance for home furnishings and renovations. Joint marketing content on website demonstrating how interior investments can be financed through mortgages.
• NNEKminorGTM or Marketing Partner · 25 October 2023Organized an investor information evening ('de slimme belegger') for 70 clients featuring speaker Michiel van Vugt on investing topics. NNEK is a financial services company that collaborated with VZP to provide educational content to their client base.
• Soof aan de RijnminorGTM or Marketing PartnerRecreation park developer partnership for vacation home financing. VZP provides financing advice to buyers of vacation properties at the Soof aan de Rijn park in Eck en Wiel. Park offers sustainable recreational homes with rental potential.
• De Thijmse BergminorGTM or Marketing PartnerRecreation park developer partnership for vacation home financing. VZP provides financing advice to buyers of vacation properties at De Thijmse Berg park in Rhenen. Park offers sustainable recreational homes with rental potential.

Scale indicators3 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• ING Bank: Large Dutch bank with direct mortgage and insurance offerings to retail customers — competes for the same mortgage customers VZP serves but through a captive, integrated model rather than independent advice.
• Rabobank: Major Dutch retail bank offering mortgages, insurance, and wealth products directly to consumers — competes with VZP in mortgage origination but as part of a broader banking franchise rather than independent intermediation.

Direct peers

• Van Bruggen Adviesgroep: Independent Dutch financial advisory firm offering mortgage, insurance, and wealth planning services to private clients and entrepreneurs — closely comparable business model and customer base to VZP.
• Hypotheek Visie: Major Dutch mortgage brokerage network providing independent mortgage advice and intermediation across multiple lenders — comparable to VZP's independent mortgage advisory value proposition.
• De Hypotheker: Largest independent mortgage advisory chain in the Netherlands, offering mortgage advice, insurance brokerage, and financial planning to consumers — directly comparable to VZP's core mortgage and insurance advisory model but at national scale.
• Financieel Zeker: Independent Dutch financial advisory practice offering mortgage advice, insurance brokerage, and financial planning — comparable independent intermediation model serving private individuals and SME clients.

Emerging players

• Independer: Leading Dutch online financial comparison and intermediation platform for mortgages and insurance — competes for the same end-customer demand as VZP but via a digital, self-service model rather than personal advisory.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/vzpadvies

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 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 VZP Advies