Zelfstandig Ondernemers

What Zelfstandig Ondernemers does

Zelfstandig Ondernemers B.V. is a privately held Dutch company headquartered in Hilversum that operates an "Ondernemersvangnet" (entrepreneurs' safety net) for self-employed professionals (zzp'ers) in the Netherlands. Its core offering is structured not as a traditional insurance product but as a crowdsurance schenkkring — a mutual giving circle in which participants collectively cover each other's disability risk through monthly contributions, with claims administered via the Ondernemersportaal self-service portal (mijnondernemersvangnet.nl). The product surface bundles disability income coverage (up to €2,000 net/month for 2 years), accident insurance (€200,000 payout for permanent disability), pension accumulation, and a savings buffer into a single configurable subscription with monthly cancelability; preventive health, re-integration, and — via a partnership with insurer ALICIA — permanent AOV coverage until AOW pension age extend the offering.

The company generates revenue primarily through recurring monthly contributions (€75/€150/€225/€350 tiers, each associated with five gift levels from €1,000 to €5,000) plus a one-time €125 registration fee at signup. Distribution is 100% digital and Netherlands-only, combining a self-serve product-led enrollment flow (2-minute online signup) with optional scheduled phone consultations with income advisors; marketing is driven by vertical-specific SEO landing pages (ICT, Bouw, Zorg, Transport, Agri, Media, Onderwijs), content/blog output, organic social (LinkedIn, Facebook, Instagram), webinars, and customer testimonials amplified via Trustpilot. Customer count stands at 3,700+ participants with an average sickness rate of approximately 2.1%, which the company cites as the structural input enabling what it claims to be the cheapest crowdsurance solution in the Dutch market.

Operationally, the company runs a low-overhead mutual model: no funded loss reserves in the insurance sense, no disclosed institutional capital, and no disclosed headcount. Ownermania is limited to publicly listed founders on the website and KvK registration 82551588, with no investor identities, funding rounds, or revenue figures disclosed in the available source material. The technology stack centers on the Ondernemersportaal portal and a website-deployed ZOE chatbot for customer support; there is no evidence of proprietary AI/ML beyond the chatbot or of third-party platform integrations beyond ALICIA.

Name

Zelfstandig Ondernemers

Legal name

Zelfstandig Ondernemers B.V.

Website

https://zelfstandigondernemers.nl

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

Zelfstandig Ondernemers is a Dutch private company operating a crowdsurance schenkkring platform that provides self-employed entrepreneurs (zzp'ers) in the Netherlands with disability income coverage, accident insurance, pension, and savings bundled into a single configurable monthly subscription starting at €75.

Ownership category

akta.pro rank

Product category

Disability Insurance

NAICS

Health and Welfare Funds (525120), Vocational Rehabilitation Services (624310)

SIC

Accident & Health Insurance (6321), Services-Social Services (8300)

akta.pro industry

PRIMARYFSAIAIAA

Individual Disability Income Insurance (Non-Group)

Financial & Insurance/Insurance — Life & Health/Disability Income Insurance (Short- & Long-Term)

SECONDARYBPAGALAM

Disability Services & Assistive Solutions (Accessibility, Assistive Tech)

Business & Public Services/Nonprofit, NGO & Social Services/Social Enterprises & Impact Organizations

Keywords

• Crowdsurance income protection
• Self-employed disability insurance
• Mutual donation scheme
• Entrepreneur pension savings
• Freelancer accident coverage

Headquarters

HQ city

Hilversum

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Monthly Contributions (Inleg): Participants pay monthly contributions ranging from €75 to €350 depending on selected coverage level. Contributions cover disability income provision, pension savings, accident insurance, and/or emergency fund savings. Monthly administration costs are included in the contribution with no extra fees.
2. One-time Registration Fee: One-time enrollment fee of €125 charged at signup. This covers administrative setup costs for new participants.
3. Gift/Schenking Levels: Participants choose from 5 gift levels ranging from €1,000 to €5,000 for disability payout duration. Higher gift levels determine the monthly payout amount during illness.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Zelfstandig Ondernemers operates a crowdsurance-based 4-in-1 income protection platform called "Ondernemersvangnet" for Dutch self-employed entrepreneurs (zzp'ers). The core service delivers disability income coverage for the first 2 years of illness through a mutual donation pool (schenkkring) where participants collectively cover each other's disability risks. Participants can customize their package with optional modules: accident insurance (€200,000 payout for permanent disability), pension savings with tax advantages, and a withdrawable savings buffer. Monthly contributions range from €75 to €350 depending on coverage level, with a one-time €125 registration fee.

Product overview

Zelfstandig Ondernemers operates a platform-based 4-in-1 total solution called 'Ondernemersvangnet' built on a crowdsurance model — a mutual donation/schenkkring where self-employed entrepreneurs collectively cover each other's disability risks. The core product is the Arbeidsongeschiktheid (disability) coverage providing income replacement for the first 2 years of illness. Participants can customize their vangnet by adding optional modules: Ongevallenverzekering (accident insurance with €200,000 payout), Pensioen (retirement savings), and Sparen (savings buffer). Additional services include Preventie (preventive health services), Re-integratie (re-integration support), and a partnership product Blijvende AOV tot AOW with ALICIA for long-term disability coverage. All services are accessible through the Ondernemersportaal. Pricing starts from €75/month with contribution levels of €75, €150, €225, and €350 per month, and 5 gift levels ranging from €1,000 to €5,000.

Differentiator

Problem solved

Functional benefit

Products and services

• Ondernemersvangnet (Crowdsurance Income Protection)

Quantifiable outcome

• Low sickness rate of approximately 2.1% enabling affordable pricing
• +3 more outcomes

Named customers13 records

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• ALICIAcoreStrategic or Co-development PartnerPartnership with insurer ALICIA enables participants of the 2-year crowdsurance scheme to extend coverage via a permanent AOV (disability insurance) until AOW pension age. The crowdsurance covers the first 2 years of disability, after which ALICIA's AOV with 2-year waiting period takes over at attractive premium rates due to the reduced risk profile of participants.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• De Goudse Verzekeringen: Specialist Dutch insurer focused on disability (AOV) and group insurance for SMEs and self-employed. Considered a leading AOV provider for Dutch zzp'ers and a direct substitute for ZO's crowdsurance.
• Movir: Specialist Dutch insurer focused exclusively on disability (AOV/inkomens) for professionals and self-employed workers. Highly relevant direct peer targeting the same zzp segment with comparable coverage structures.
• Reaal Verzekeringen: Dutch insurer offering AOV/inkomensverzekering products specifically targeting zzp'ers and small business owners. Direct competitor in the same disability income insurance category.
• Centraal Beheer: Major Dutch insurer (Achmea group) selling AOV/arbeidsongeschiktheidsverzekering directly to zzp'ers and small businesses. Directly competes with ZO on disability income coverage for the same self-employed target segment.
• Univé: Cooperative Dutch insurer serving members with health, disability, and income protection products. Comparable to ZO because of the cooperative/mutual ethos and member-focused structure, particularly in the Netherlands.

Broad incumbents

• Nationale Nederlanden: One of the largest Dutch insurers offering a broad portfolio including AOV, life, and pension products. Competes with ZO on disability coverage but as part of a much wider insurance suite rather than a specialized zzp offering.
• FBTO: Online-first Dutch insurer (Achmea subsidiary) offering modular AOV and life products. Comparable as a digital-direct insurance provider targeting Dutch consumers, overlapping ZO's PLG distribution model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/zelfstandigondernemersNL
• LinkedInlinkedin.com/company/zelfstandig-ondernemers
• Instagraminstagram.com/zelfstandigondernemers

Revenue estimate

Valuation estimate

Number of profiles

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 Zelfstandig Ondernemers