A-krediet Financiele Diensten B.v.

What A-krediet Financiele Diensten B.v. does

A-Krediet Financiële Diensten B.V. is a Dutch independent financial intermediary (loan broker) founded in 2007 and headquartered in Bennekom, Netherlands. The company intermediates consumer credit between Dutch borrowers and multiple partner banks and credit providers, serving four defined segments: general Dutch consumers, self-employed professionals (ZZP'ers), seniors aged 60+, and homeowners. Johan van den Brink serves as directeur (director) and brings over 25 years of experience in financial products; the company operates with a 1-10 employee base as a privately held BV under Dutch law.

The product portfolio centers on the Persoonlijke Lening (personal loan, fixed interest from 6.4%) and Doorlopend Krediet (revolving credit), extended through specialized variants: Seniorenlening (for ages 70-80), ZZP Lening (self-employed), Huiseigenarenlening (homeowners), Duurzaamheidslening (sustainability upgrades at 6.5%), and Autolening. The platform is web-based, featuring a loan calculator, secure document upload, and multi-channel advisor contact (phone, email, WhatsApp, in-person), supplemented by Google Analytics, Hotjar, and Google Signals for behavioral analytics. The company is registered with the Autoriteit Financiële Markten (AFM) under number 12018948, is a member of the Nederlandse Vereniging van Financieringsadviseurs (NVF), and is registered with KiFiD for dispute resolution. Partner lenders include BNP Paribas Personal Finance, Defam, Lloyds Bank, Qander Consumer Finance, Lender & Spender, and De Nederlandse Voorschotbank; prior partners Santander Consumer Finance, Nationale-Nederlanden, and InterBank have exited the intermediary channel.

The business model is commission-based: A-Krediet earns referral fees from credit providers when a customer's loan is placed, with advisory fees charged directly for non-credit products. Go-to-market is direct-to-consumer through SEO-optimized purpose-specific landing pages (auto, renovation, kitchen, solar panels, etc.), a content blog dating to 2007, and trust signals anchored by a 9.7/10 rating from over 1,365 reviews on Klantenvertellen.nl. Operations are nationwide in the Netherlands, with physical office hours at the Bennekom headquarters. The company also operates DBA sub-brands A-Verzekering, A-Hypotheek, and Autolening.nu, signaling intent to extend beyond core personal loan intermediation into insurance, mortgage, and auto lending verticals.

Name

A-krediet Financiele Diensten B.v.

Legal name

A-Krediet Financiële Diensten bv

Website

https://a-krediet.nl

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

1–10 employees

Short description

A-Krediet Financiële Diensten B.V. is an independent Dutch loan broker founded in 2007 that intermediates personal loans, revolving credit, and specialized consumer loans between Dutch borrowers and multiple partner banks, operating nationwide from Bennekom.

Ownership category

akta.pro rank

Product category

Consumer Credit Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Activities Related to Credit Intermediation (5223)

SIC

Loan Brokers (6163), Personal Credit Institutions (6141)

akta.pro primary industry

Personal Loan & Unsecured Credit Intermediation (FSAEAEAM)

Keywords

• Consumer credit intermediation
• Personal loan brokerage
• Revolving credit services
• Loan comparison services
• Financial advisory services

Headquarters

HQ city

Bennekom

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. Commission from credit providers: A-Krediet receives commission payments from banks and insurance companies where they place a customer's loan or insurance product. This commission is part of the premium or interest charged to the customer. For products other than credit and damage insurance, they work commission-free and charge a direct advice or service fee to the customer, communicated transparently beforehand.
2. Advisory/service fees: For products beyond credit intermediation and damage insurance, A-Krediet charges an advisory or service fee directly to the customer, disclosed transparently before service.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

A-Krediet Financiële Diensten B.V. is an independent Dutch financial intermediary that compares and arranges consumer credit products, primarily personal loans and revolving credit, on behalf of private customers. The firm places customers' loan applications with a panel of Dutch banks and credit providers, then supports the process from quote request through document collection to disbursement. Customers are matched with a personal advisor and can apply, upload documents, and finalize loans fully online, with quotes delivered within 24 hours and funds typically within 2-3 working days.

Product overview

A-Krediet Financiele Diensten B.v. is an independent financial services broker and advisor operating in the Netherlands since 2007. The company operates as a credit intermediary, matching borrowers with lenders by comparing offerings from multiple banks and financial institutions. The core product portfolio centers on credit intermediation services, with the main lending products being the Persoonlijke Lening (Personal Loan) and the Doorlopend Krediet (Revolving Credit). The company also offers specialized loan variants including the Seniorenlening for retirees, ZZP Lening for self-employed professionals, Huiseigenarenlening for homeowners, Duurzaamheidslening for sustainability improvements, and Autolening for vehicle financing. The company is fully independent, comparing a large number of banks to find the best match for customers, and is registered with the AFM (Authority for Financial Markets).

Differentiator

Problem solved

Functional benefit

Products and services

• Persoonlijke Lening (Personal Loan)
• Doorlopend Krediet (Revolving Credit)
• Seniorenlening (Senior Loan)
• ZZP Lening (Self-employed Loan)
• Huiseigenarenlening (Homeowner Loan)
• Duurzaamheidslening (Sustainability Loan)
• Autolening (Car Loan)

Quantifiable outcome

• 9.7 out of 10 customer satisfaction rating from over 1365 reviews on Klantenvertellen.nl

Named customers10 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Twelve partnerships are on record, tiered core and minor.

• BNP Paribas Personal FinancecoreChannel Partner/ Reseller/ DistributorOne of the credit providers A-Krediet works with as a loan broker. A-Krediet places customer loan applications with BNP Paribas Personal Finance as one of several partner lenders. BNP Paribas Personal Finance is a subsidiary of BNP Paribas operating in consumer finance.
• De Nederlandse VoorschotbankcoreChannel Partner/ Reseller/ DistributorOne of the credit providers A-Krediet works with as a loan broker. De Nederlandse Voorschotbank (DNV) is a Dutch development bank providing social loans.
• DefamcoreChannel Partner/ Reseller/ DistributorOne of the credit providers A-Krediet works with as a loan broker. Defam is a Dutch bank specializing in personal loans and mortgages. In July 2021, Defam reduced interest rates on personal loans through A-Krediet, with rates as low as 3.4% for loans above €50,000.
• InterBankcoreChannel Partner/ Reseller/ DistributorOne of the credit providers A-Krediet works with as a loan broker. InterBank has ceased offering loans through the intermediary channel.
• Lender & SpendercoreChannel Partner/ Reseller/ DistributorLender & Spender is a partner credit provider. A-Krediet highlights that Lender & Spender offers loans without bank intermediation, enabling competitive rates without hidden costs. A-Krediet provides expert advice and guidance for customers choosing Lender & Spender products.
• Lloyds BankcoreChannel Partner/ Reseller/ DistributorOne of the credit providers A-Krediet works with as a loan broker. Lloyds Bank is an international bank with a Dutch lending presence. In June 2023, Lloyds Bank raised the maximum loan amount available through A-Krediet.
• Nationale-NederlandenminorChannel Partner/ Reseller/ DistributorOne of the credit providers A-Krediet works with. As of March 8, 2023, Nationale-Nederlanden stopped offering consumer credit, so this partnership is no longer active for new loans.
• Qander Consumer FinancecoreChannel Partner/ Reseller/ DistributorQander Consumer Finance is a prominent partner credit provider. Qander offers Personal Loans for Entrepreneurs (ZZP) and Personal Loans for Seniors, with loan amounts from €5,000 to €50,000 and terms from 24 to 120 months. Qander returned as a full credit bank in March 2015 and focuses on responsible lending. Qander is part of the Laser Group and is supervised by AFM and VFN.
• Santander Consumer FinancecoreChannel Partner/ Reseller/ DistributorSantander Consumer Finance is a prominent partner credit provider. It is a division of global Banco Santander, active in more than 16 countries. In the Netherlands, Santander Consumer Finance has been active for 20 years in personal loans and revolving credit. Santander has decided to stop offering loans through professional intermediaries, so this partnership is no longer active for new originations.
• Nederlandse Vereniging van Financieringsadviseurs (NVF)coreOthersA-Krediet is a member of the Nederlandse Vereniging van Financieringsadviseurs (NVF), the Dutch Association of Financing Advisors. Membership provides industry credibility and access to professional standards and network. A-Krediet is also registered with the Autoriteit Financiële Markten (AFM) under number 12018948. These regulatory memberships are core to A-Krediet's legitimacy as a financial services provider.
• Autoriteit Financiële Markten (AFM)coreOthersA-Krediet is registered with the AFM under number 12018948 in accordance with the Wet Financiële Dienstverlening (WFD). AFM registration is mandatory for financial intermediaries in the Netherlands.
• Klachteninstituut Financiële Dienstverlening (KiFiD)coreOthersA-Krediet is registered with KiFiD, the Dutch Financial Services Complaints Institute. Customers who cannot resolve complaints directly with A-Krediet can escalate to KiFiD (Postbus 93257, 2509 AG Den Haag; Tel: 0900-3552248).

Scale indicators3 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Pricewise: Dutch comparison platform for financial and utility products, including personal loans. It competes directly with A-Krediet by aggregating lender offers for Dutch consumers in a self-service digital format.
• Independer: Major Dutch financial comparison platform covering insurance, loans, mortgages, and energy. It is a direct competitor to A-Krediet in personal loan intermediation, with a wider product scope but overlapping target customer and revenue model.
• Rente.nl: Dutch loan comparison site that lets consumers compare personal loan and mortgage rates from multiple lenders. A direct peer of A-Krediet in the consumer credit intermediation space, with a similar self-service acquisition flow.
• Geld.nl: Dutch online loan and mortgage comparison platform that aggregates offerings from multiple banks for Dutch consumers. Directly competes with A-Krediet in the personal loan comparison and intermediation segment, with a similar commission-based, online-first model.
• Krediet.nl: Dutch online loan broker that aggregates consumer credit offers from multiple lenders. Directly comparable to A-Krediet in product focus, customer segment (Dutch consumers), and intermediation business model.

Broad incumbents

• Defam: Dutch bank specializing in personal loans and mortgages that distributes through A-Krediet and other intermediaries. It is both a partner and a competitor — customers can apply directly via Defam's own channel, bypassing the broker.
• ING Bank: Major Dutch retail bank that offers personal loans directly to consumers. It is a broad incumbent whose direct lending channel competes with A-Krediet for the same Dutch consumer loan demand.
• Rabobank: Large Dutch banking group with consumer lending and mortgage products. It competes indirectly by providing direct-to-consumer loan alternatives that can substitute for A-Krediet's intermediated model.
• Qander Consumer Finance: Dutch consumer credit provider (Laser Group) offering personal loans including ZZP and Senior variants. Like Defam, it is both a partner lender to A-Krediet and a direct competitor via its own consumer-facing channel.

Emerging players

• Lendex: Dutch online loan intermediary focused on personal loans and focused product comparison. Smaller scale than the comparison majors but with a directly comparable online brokering model.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInnl.linkedin.com/in/johanvdbrink

Compliance1 record

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 A-krediet Financiele Diensten B.v.