Adviesgroep het Raadhuis

What Adviesgroep het Raadhuis does

Adviesgroep het Raadhuis is an independent Dutch financial advisory and intermediary firm (tussenpersoon) founded in 2001 in Heerhugowaard, Netherlands. It advises and intermediates in mortgages, insurance, and banking products for private individuals, first-time buyers, homeowners, and small-business / self-employed clients across the North Holland region. The firm places business with nearly all Dutch insurers and banks, supplemented by a self-employed Regiobank advisor relationship for banking services, and operates from two physical offices in Heerhugowaard and Heiloo with video-calling support for remote clients.

The product portfolio spans mortgage advisory (first-home, next-home, refinancing, renovation, sustainability financing), personal and commercial insurance (auto, home, liability, occupational disability, healthcare), banking (payment and savings products via Regiobank), and add-on modules including the proprietary Het Raadhuis Hypotheek Certificaat (a 2-week financing guarantee certificate used as a bidding tool), the free Financieringscheck, the Hypotheek Periodieke Keuring periodic review, a sustainability/energy-retrofit line via De Groene Bouwpartners, a damage-recovery service via Justise B.V., and municipal Starterslening programs for Dijk en Waard and Schagen. The firm is also embedded as the financing-advisor channel partner for new-construction projects including Stationspark Heerhugowaard, Tuytpark De Draai, Meerkoet De Draai, and Woonwest Heiloo.

The business is commission- and fee-based, with revenue generated on each mortgage placement, insurance policy, and banking product sold; advisory front-end (consultation, Financieringscheck) is free, while specialized services such as verduurzamingsadvies operate on a no-cure-no-pay basis with a 6-month payback guarantee. The firm has no proprietary technology platform, no external funding, and no disclosed AI/ML capability; it is privately held, family-led (Patrick Barkey as Director, with Davy Barkey in insurance), and operates with a team of roughly 10 named advisors and support staff plus two office 'entertainers.'

Name

Adviesgroep het Raadhuis

Legal name

Adviesgroep het Raadhuis

Website

https://www.adviesgroephetraadhuis.nl

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

1–10 employees

Short description

Adviesgroep het Raadhuis is an independent Dutch financial advisory firm founded in 2001, intermediating mortgages, insurance, and banking products for private individuals, first-time buyers, and small-business clients across North Holland from offices in Heerhugowaard and Heiloo.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Insurance Agencies and Brokerages (524210)

SIC

Loan Brokers (6163), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

First-Time Homebuyer (FTHB) Mortgage Origination (FSALAAAG)

akta.pro secondary industries

Buyer Representation Services (BPAJAAAJ), Mortgage Lead Generation & Marketing Intermediaries (FSALABAI)

Keywords

• Mortgage advisory
• Insurance brokerage
• Financial planning
• Independent intermediary
• Banking advisory

Headquarters

HQ city

Heerhugowaard

HQ country

Netherlands

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Financial Advisory and Intermediation: The company acts as an independent intermediary (tussenpersoon) for mortgages, insurance, and banking products. Revenue is generated through commissions and fees paid by insurance companies and banks for placing customer policies and mortgages with their products. The company also offers paid advisory services including the Het Raadhuis Hypotheek Certificaat and financing checks.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Adviesgroep het Raadhuis is an independent financial advisory firm (tussenpersoon) that advises on and intermediates mortgages, insurance, and banking products for private and business clients across the Netherlands. The firm offers advisory on first home purchases, subsequent home purchases, refinancing, renovation financing, sustainability mortgages, personal and commercial insurance lines, healthcare insurance, banking services as an independent Regiobank advisor, and starter loan facilitation for first-time buyers. Distinctive offerings include the Het Raadhuis Hypotheek Certificaat, which guarantees mortgage completion within two weeks to enhance buyer bidding competitiveness.

Product overview

Adviesgroep het Raadhuis is an independent financial advisory firm operating as a multi-product financial services intermediary. The core offering spans three main pillars: hypotheken (mortgages), verzekeringen (insurance), and bankzaken (banking), supplemented by sustainability advisory, business services, and new-build property financing. The mortgage product line includes first-time buyer, next home, refinancing, renovation, and sustainability mortgages, anchored by the Het Raadhuis Hypotheek Certificaat (a financing guarantee certificate) and the free Financieringscheck (financing check). Insurance offerings cover personal lines (auto, household, building, liability, motor, travel, life risk, income) and commercial lines, distributed as an intermediary for multiple insurers. Banking services are delivered as an independent Regiobank advisor. Key add-on services include a sustainability/energy retrofit module (in partnership with Totaal Verduurzamen), the Mijn Polismap online policy portal, and a damage recovery service via Justise B.V. The portfolio also includes municipal starter loans (Starterslening) for the Dijk en Waard municipality, healthcare insurance advisory, and new-build project financing services.

Differentiator

Problem solved

Functional benefit

Products and services

• Hypotheken (Mortgages)

Quantifiable outcome

• The Raadhuis Hypotheek Certificaat guarantees mortgage completion within 2 weeks, providing certainty to sellers and increasing buyer credibility.

Named customers1 record

Segments3 records

Ideal customer profiles4 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 core and minor.

• RegiobankcoreChannel Partner/ Reseller/ DistributorAdviesgroep het Raadhuis operates as an independent advisor (zelfstandig adviseur) of Regiobank. Staff members Kitty and Mona conduct financial literacy workshops at local schools under the Regiobank banner. The partnership enables provision of Regiobank banking products including savings accounts, current accounts, and the Zilvervlot savings product.
• De Groene Bouwpartners (Totaal Verduurzamen)coreStrategic or Co-development PartnerStrategic partnership for home sustainability advisory services. De Groene Bouwpartners provides technical expertise for energy-efficient home improvements while Adviesgroep het Raadhuis handles financing arrangements. The partnership offers verduurzaam-rapport reports showing homeowners which sustainability measures are possible, associated costs, and savings potential. The companies share offices in the Heerhugowaard area.
• Nh1816 VerzekeringenminorGTM or Marketing PartnerCooperative insurance company. Joint community initiative with Adviesgroep het Raadhuis included donation of lunchboxes to Magentazorg Zuyder Waert healthcare workers during COVID-19. Nh1816 Verzekeringen is a coöperatie that invests in local social initiatives.
• SVn (Stichting Volkshuisvesting Nederland)coreChannel Partner/ Reseller/ DistributorFacilitates the Starterslening (starter loan) program for municipalities including Dijk en Waard and Schagen. Adviesgroep het Raadhuis assists clients in applying for these supplementary loans of up to €50,000 for first-time homebuyers.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Van Bruggen Adviesgroep: Dutch regional financial advisory group offering mortgages, insurance, and banking services through a network of local offices — directly comparable in size, multi-product model, and independent intermediary positioning to Adviesgroep het Raadhuis.
• De Hypotheker: Largest mortgage broker chain in the Netherlands, intermediating mortgages and insurance products through franchise offices nationwide; competes head-to-head with Adviesgroep het Raadhuis for the same Dutch first-time buyer and homeowner segment.
• Hypotheekvisie: Dutch mortgage advisory network that intermediaties mortgages and related insurance products across affiliated advisors; highly comparable business model and target customer as Adviesgroep het Raadhuis.
• DAK Intermediairscollectief: Dutch intermediary organization providing back-office, product access, and support services to independent insurance and financial advisors; competes for the same independent-advisor constituency as Adviesgroep het Raadhuis.
• Nedasco: Dutch service provider for financial intermediaries, offering mortgage and insurance back-office, product panel access, and tooling; closely comparable as an intermediary-support and product-distribution peer.

Broad incumbents

• Regiobank: Cooperative Dutch bank with a self-employed advisor channel that Adviesgroep het Raadhuis operates within; overlapping banking, savings, and mortgage advisory offering for similar regional Dutch consumers.
• Centraal Beheer (Achmea): Large Dutch insurer distributing through both direct and intermediary channels; a broad incumbent that uses advisors like Adviesgroep het Raadhuis to place personal and commercial insurance products.
• ING Bank (Netherlands): Major Dutch bank with both direct-to-consumer and intermediary mortgage channels; competes for the same Dutch mortgage customer as Adviesgroep het Raadhuis while also being a product supplier to it.

Emerging players

• Independer.nl: Dutch online financial product comparison and advisory platform for insurance, mortgages, and banking; represents the digital-first channel competing against traditional advisors like Adviesgroep het Raadhuis.
• Pricewise: Dutch financial product comparison platform covering insurance, mortgages, and energy; an emerging digital channel competing for the same consumer-advisory wallet as Adviesgroep het Raadhuis.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/adviesgroephetraadhuis
• LinkedInlinkedin.com/company/adviesgroep-het-raadhuis
• Instagraminstagram.com/adviesgroephetraadhuis

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 Adviesgroep het Raadhuis