Groene Hart Financiele Diensten

What Groene Hart Financiele Diensten does

Groene Hart Financiele Diensten (GHFD) is a Dutch financial services firm headquartered in Mijdrecht, Netherlands, licensed as a MiFID investment firm under the supervision of De Nederlandsche Bank (DNB) and the Autoriteit Financiële Markten (AFM). Founded in 1997, the firm operates as a partnership between Groene Hart Vermogensbeheer bv, the licensed investment entity, and FPAplus, a financial planning and tax advisory bureau, providing an integrated offering under one umbrella. GHFD serves four primary customer segments — Particulieren (individuals), DGA's (director-major shareholders), Bedrijven (businesses), and ZZP'ers (self-employed professionals) — across the Netherlands.

The firm's core products are Financial Advisory (tax filing, financial planning, second opinions, administration) and Wealth Management, built around a multi-manager investment approach that diversifies across multiple managers to reduce transaction costs and volatility. Wealth management has a tiered structure: wealth building from €5,000 and full custom management from €50,000. Technology components include the Saxo/Binckbank depot bank and trading platform, the Ockto app for client data onboarding, and a secure online reporting portal ('Mijn Kluis'). GHFD is a small-scale practice (1–10 employees) led by senior advisor Marcel van der Schaaf, with 30+ years of experience across EY Accountants, Amsterdam Investment Bank, and Institute for Investments.

GHFD's business model is a hybrid of subscription-based wealth management (annual fees on managed assets) and professional services fees for advisory work, with pricing quote-based and not publicly disclosed. GTM is sales-led through personal consultation, supported by a Dutch-language content website and a monthly newsletter, plus a workplace financial consultation channel ('Financieel Spreekuur') for corporate clients. In January 2026, Atomic Invest acquired the firm, gaining an EU regulatory foothold for white-label wealth management, brokerage, and cash-management services — materially changing the ownership and scale trajectory of the business.

Name

Groene Hart Financiele Diensten

Legal name

Groene Hart Financiële Diensten

Website

https://ghfd.nl

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

1–10 employees

Short description

Groene Hart Financiele Diensten is a licensed Dutch financial advisory and wealth management firm serving individuals, director-major shareholders, businesses, and self-employed professionals with integrated tax, planning, and multi-manager investment services from Mijdrecht.

Ownership category

akta.pro rank

Product category

Financial Advisory & Wealth Management

NAICS

Portfolio Management and Investment Advice (523940), Accounting, Tax Preparation, Bookkeeping, and Payroll Services (54121)

SIC

Investment Advice (6282), Services-Management Consulting Services (8742)

akta.pro primary industry

Fee-Based Advisory (FSAEAAAM)

akta.pro secondary industries

Financial Coaching & Budgeting Advisory (FSAEAAAH), Financial Planning & Analysis Support (Budgeting, Forecasting, Management Reporting) (BPAAAGAJ)

Keywords

• Financial advisory services
• Wealth management
• Tax planning advice
• Investment portfolio management
• Business financial administration

Headquarters

HQ city

Mijdrecht

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Financial Advisory Services: Ongoing financial advice and planning services for individuals and businesses including tax filing, wealth planning, and second opinions.
2. Wealth Management: Discretionary portfolio management with minimum investment of €5,000 for wealth building and €50,000 for custom management. Multi-manager approach with quarterly reporting.
3. Business Administration Services: Bookkeeping, financial administration, tax filings, and management reporting for businesses and ZZP/self-employed clients.
4. Corporate Financial Consultation: Workplace financial consultation services (financieel spreekuur) organized for company employees, typically on-site, providing confidential financial advice.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Independent Dutch financial services firm offering financial advisory (Financieel Advies) covering tax filings, financial planning, second opinions, salary and pension administration, succession planning and business financial administration, together with discretionary wealth management (Vermogensbeheer) using a multi-manager investment approach delivered through the Saxo/Binckbank platform. Services are delivered to four dedicated customer segments (Particulieren, DGA's, Bedrijven, ZZP'ers) via personal consultation at the Mijdrecht office and on-site workplace financial consultation hours.

Product overview

Groene Hart Financiële Diensten operates as an integrated financial services firm offering advisory and wealth management solutions. The core offering consists of two main products: Financial Advisory (Financieel Advies) providing tax, planning, and administrative services, and Wealth Management (Vermogensbeheer) offering multi-manager investment services. These are delivered through specialized sub-products targeting specific customer segments: Particulieren (individuals), DGA (director-major shareholders), Bedrijven (businesses), and ZZP (freelancers), all supported by a dedicated Financial Consultation Hours service for corporate clients. The company is built on a partnership between Groene Hart Vermogensbeheer bv (licensed investment firm) and FPAplus (financial planning and advisory).

Differentiator

Problem solved

Functional benefit

Products and services

• Financieel Advies Particulieren (Financial Advisory for Individuals) Independent financial advisory for Dutch individuals (Particulieren), covering tax assistance, income tax returns, financial planning, second opinions and wealth-building advice as an ongoing, relationship-based service.
• Financieel Advies DGA (Financial Advisory for Director-Major Shareholders) Specialized advisory for Dutch DGAs (directors and major shareholders) covering integrated personal-business tax optimization, salary and pension administration, annual accounts, business succession planning and wealth planning.
• Financieel Advies Bedrijven (Financial Advisory and Administration for Businesses) Financial administration, tax filings, annual reports, management reporting and financial second opinions for Dutch businesses, delivered as an outsourced finance function.
• Financieel Advies ZZP (Financial Advisory and Administration for Self-Employed) Comprehensive financial services for Dutch ZZP'ers (freelancers) including bookkeeping, VAT returns, income tax filings, revenue and profit forecasting, and advice on wealth building and investments.
• Vermogensbeheer (Wealth Management) Discretionary multi-manager portfolio management delivered through the Saxo/Binckbank platform, with wealth building available from a €5,000 minimum investment and full custom wealth management from a €50,000 minimum, including quarterly reporting.
• Financieel Spreekuur (Workplace Financial Consultation) On-site workplace financial consultation sessions organized for employees of corporate client companies, providing confidential advice on financial planning, tax optimization and wealth building at the employer's premises.

Quantifiable outcome

• Advisor-added value exceeds 3% net per year according to Vanguard research cited on website

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature3 records

Partnerships

Three partnerships are on record, tiered core and major.

• FPApluscoreStrategic or Co-development PartnerFPAplus (Financieel Persoonlijk Assistent) is a full-service advisory bureau for integrated wealth management, financial planning, and tax advisory. Together with Groene Hart Vermogensbeheer bv, they form Groene Hart Financiële Diensten, bringing all financial questions under one umbrella.
• Groene Hart Vermogensbeheer bvcoreStrategic or Co-development PartnerLicensed investment firm (vergunninghoudende beleggingsonderneming) that holds the regulatory license for wealth management services. Forms the licensed entity within the Groene Hart Financiële Diensten group.
• Saxo/BinckbankmajorTechnology or IntegrationDepot bank providing investment platform infrastructure. Clients access Saxo platform for portfolio management. GHFD provides tariff overview for Saxo services. Mobile apps available for iPhone/iPad and Android.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• ABN AMRO: Large Dutch universal bank with retail wealth advisory and business banking for ZZP/DGA clients. Competes for the same Particulieren, DGA, and Bedrijven segments GHFD serves.
• Van Lanschot Kempen: Largest independent Dutch private bank serving high-net-worth individuals, families, and entrepreneurs (DGAs). Competes for the same DGA and wealthy-individual segment that GHFD targets with custom portfolio management from €50,000.
• Nationale-Nederlanden: Major Dutch insurance and asset management group offering retail wealth, pension, and financial planning products. Provides the bank-/insurer-tied alternative that GHFD positions itself against on independence.

Others

• Saxo Bank: Platform and custody partner to GHFD, providing trading infrastructure and depot bank services. Relevant as both an enabler and a potential direct competitor offering white-label wealth solutions to other intermediaries.

Emerging players

• Knab: Online Dutch bank offering banking, investment, and pension products aimed at ZZP and SME segments that overlap with GHFD's Bedrijven and ZZP service lines.
• DEGIRO: Low-cost Dutch brokerage and wealth platform that competes for self-directed investors in the same Particulieren and ZZP segments. Puts pricing pressure on GHFD's wealth-building proposition.

Direct peers

• Meesman Indexbeleggen: Dutch index-investing platform providing low-cost, diversified managed portfolios to retail investors. Comparable to GHFD's multi-manager wealth offering with similar Dutch retail focus and subscription-style pricing.
• Brand New Day: Dutch online pension and wealth manager offering index-based and multi-manager portfolios with low minimums. Closely mirrors GHFD's wealth-building proposition for individuals and ZZP'ers.
• Finovion: Dutch advisory firm focused on financial planning, tax, and wealth services for SMEs, DGAs, and private individuals — closely aligned with GHFD's multi-segment independent advisory offering.
• Veldsink Adviesgroep: Large Dutch network of independent financial advisors offering integrated financial planning, tax, mortgage, and wealth services to individuals and SMEs — directly comparable to GHFD's bundled advisory model across similar segments.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInnl.linkedin.com/in/marcel-van-der-schaaf-1416a45

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 Groene Hart Financiele Diensten