Ratinginstituut Financieel Dienstverleners B.v.

What Ratinginstituut Financieel Dienstverleners B.v. does

Ratinginstituut Financieel Dienstverleners B.V. (RiFD) is a Dutch private B.V. founded in 2013 by Berto de Vos and headquartered in Apeldoorn, Netherlands. The company operates the INFAS (Informatiesysteem Financieel Adviseurs) database, which aggregates information on approximately 7,000 financial advisors in the Netherlands and 40,000 associated persons (directors, policy makers, authorized signatories) by combining data from the Chamber of Commerce (KvK), the Authority for the Financial Markets (AFM), Kifid dispute records, credit bureaus, and other public sources. RiFD also maintains a credit rating system (scores 1.0–10.0 based on 80 risk sources) and a quality rating system scoring advisors on digitalization, experience, education, and financial health.

The product surface is organized as a platform with modules. Three INFAS variants target distinct sub-segments: INFAS-Overnamemarkt (acquisition/cluster intelligence), INFAS-Hypotheekmarkt (mortgage advisory market), and INFAS-Volmachtmarkt (authorized-agent / underwriting market, launched 2025). Four plug-ins (Vestigingen, GEO, KvK Upload, Vakpers) and a real-time AFM-vergunning signalering service (daily license change monitoring) extend functionality, while a series of paid market research reports (Hypotheekmarkt Studie, Volmachtspelers Studie, Financiële Adviesmarkt 2026, eVerzekeren) generate content-marketing leads and one-off revenue. Data is exported in Excel, CSV, JSON, and via API.

RiFD sells licenses on annual terms with 3-month notice periods, pricing the base INFAS-Hypotheekmarkt at €4,500/year and INFAS-Volmachtmarkt from €5,500/year, with plug-ins at €1,500–€3,500/year and AFM signaling from €750/year. The customer base comprises insurers (Verzekeraars), mortgage providers (Hypotheekaanbieders), service providers, consolidators (private equity and strategic acquirers of advisory firms), suppliers (Toeleveranciers), industry associations, and portfolio brokers — all within the Dutch market only. The company is family-owned, operates with a small team of approximately 4–5 people, has never raised external funding, and reaches customers through direct enterprise sales, content marketing via free Marktflitsen reports and Top 100 rankings, and a Microsoft Teams-based demo motion.

Name

Ratinginstituut Financieel Dienstverleners B.v.

Legal name

Ratinginstituut Financieel Dienstverleners B.V.

Website

https://rifd.nl

Company type

Private

Founded year

2013

Operating status

Operating

Short description

RiFD is a Dutch B.V. operating the INFAS database, providing data, credit ratings, and quality ratings on approximately 7,000 Dutch financial advisors to insurers, mortgage providers, consolidators, and service providers through annual license subscriptions.

Ownership category

akta.pro rank

Product category

Financial Data and Analytics

NAICS

Credit Bureaus (561450), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (51821)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320), Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro industry

PRIMARYFSAFAIAJ

Data Distribution, Connectivity & Market Data Platforms (Entitlements, Normalization, APIs)

Financial & Insurance/Financial Exchanges & Market Infrastructure/Market Data, Indices & Benchmark Administrators

Keywords

• Financial advisor database
• Intermediary market intelligence
• Credit rating services
• Dutch regulatory monitoring
• Insurance distribution analytics

Headquarters

HQ city

Apeldoorn

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Supply Chain

Revenue model

1. INFAS Database Licenses: Annual license fees for access to the INFAS database. Three main variants: Overnamemarkt, Hypotheekmarkt, and Volmachtmarkt. Licenses are sold with 1-year terms with 3-month notice periods.
2. INFAS Plug-ins: Additional paid modules including Vestigingen (EUR 1,500/year), GEO (EUR 1,500/year), KvK Upload (EUR 1,500/year), and Vakpers (EUR 2,000/year standalone, EUR 3,500/year separate).
3. Market Reports: Sale of detailed market analysis reports including Hypotheekmarkt Studie (EUR 1,995), Volmachtspelers Studie (EUR 2,495), Financiële Adviesmarkt 2026 (EUR 3,495), and eVerzekeren report (EUR 1,999). Discounts available for INFAS license holders.
4. AFM License Signaling: Annual subscription for real-time AFM register change notifications starting from EUR 750/year.
5. Custom Development: Customization work is priced separately from standard licenses.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

RiFD builds and licenses the INFAS database, a Dutch financial intermediary intelligence platform covering approximately 7,000 financial advisors and 40,000 associated persons (directors, policy makers, authorized signatories). The database consolidates data from the Chamber of Commerce (KvK), the Authority for the Financial Markets (AFM), Kifid, credit bureaus, and other public sources and is offered in three market-segmented variants (Overnamemarkt, Hypotheekmarkt, Volmachtmarkt), with modular plug-ins for branches, geographic visualization, custom data uploads, and trade-press linkage, plus credit-rating, regulatory-alerting, and market-report products.

Product overview

RiFD operates a platform-plus-modules architecture centered on the INFAS database containing approximately 7,000 financial advisors in the Netherlands. The core INFAS system provides comprehensive information including licensing, credit ratings, and organizational structures. Specialized sub-products (INFAS-Hypotheekmarkt, INFAS-Overnamemarkt, INFAS-Volmachtmarkt) focus on specific market segments with tailored filtering and data. Add-on modules (Vestigingen plug-in, GEO plug-in, KvK Upload plug-in, Vakpers plug-in, AFM-vergunning signalering) extend functionality for geographic analysis, data uploads, press monitoring, and regulatory alerts. Research reports (Hypotheekmarkt Studie, Volmachtspelers Studie, Financiële Adviesmarkt 2026, Rapport eVerzekeren, Marktflitsen) provide analytical insights. API export capabilities enable system integration.

Differentiator

Problem solved

Functional benefit

Brands

• INFAS: Informatiesysteem Financieel Adviseurs - A unique database containing all relevant information about financial advisors in the Netherlands, with approximately 7,000 advisors and 40,000 involved persons.
• INFAS-Overnamemarkt
• INFAS-Hypotheekmarkt
• INFAS-Volmachtmarkt

Products and services

• INFAS Database (Informatiesysteem Financieel Adviseurs) The flagship INFAS database containing information on approximately 7,000 financial advisors in the Netherlands and 40,000 associated persons (directors, policy makers, authorized signatories), covering licensing, organizational structures, and regulatory data aggregated from KvK, AFM, Kifid, credit bureaus, and other public sources. It is licensed to enterprise customers and forms the base on which sub-products and plug-ins are sold.
• INFAS-Overnamemarkt Specialized INFAS database variant showing clusters of advisory companies formed through takeovers, including group structures, cooperation arrangements, and investor information for M&A target identification.
• INFAS-Hypotheekmarkt Specialized INFAS database variant for the Dutch mortgage advisory market, covering all mortgage advisors with segmentation by chains, specialized offices, and service providers, licensed from €4,500 excl. VAT per year.
• INFAS-Volmachtmarkt Specialized INFAS database variant covering the volmacht (underwriting mandate) market with data on authorized agents, insurers, own intermediaries, and NVGA memberships, including relevant credit ratings and licensed from €5,500 excl. VAT per year.
• AFM-vergunning signalering Real-time monitoring subscription delivering AFM register changes (new and expired registrations, partial license changes, policy maker changes) to subscribers' inboxes multiple times per day, licensed from €750 excl. VAT per year.
• Credit Ratings Health-risk monitoring credit ratings for advisors and sub-agents, with scores ranging from 1.0 to 10.0 based on 80 risk sources including financial position, payment behavior, and special signals, delivered through the INFAS-Volmachtmarkt license and standalone reports.
• Vestigingen plug-in Plug-in module granting access to main and satellite locations of all parties in INFAS, with selection by KvK number and branch number, and export/geographic visualization of approximately 8,000 advisors and 1,400 satellite offices, priced at €1,500 excl. VAT per year.
• GEO plug-in Plug-in module providing geographic visualization of all Dutch advisors on an interactive map with radius search and distance display, priced at €1,500 excl. VAT per year.
• KvK Upload plug-in Plug-in module allowing customers to upload their own data linked to KvK numbers, create custom segmentations such as account manager, customer lifetime value, or quality labels, and integrate with the GEO visualization, priced at €1,500 excl. VAT per year.
• Vakpers plug-in Plug-in module containing categorized trade-press articles from VVP, InFinance, and AMweb, linked to advisors in INFAS by theme (acquisitions, financial developments, regulatory matters), priced at €2,000 excl. VAT per year with another INFAS license or €3,500 excl. VAT standalone.
• Hypotheekmarkt Studie Comprehensive 50+ page market research report on the Dutch mortgage advice market with data, trends, rate analyses, and profiles of chains, specialists, and generalists, produced in collaboration with Oostdam & Partners and priced at €1,995 excl. VAT.
• Volmachtspelers Studie 82-page research report analyzing the authorized-agent market landscape with concentration and internationalization trends, produced with market expert Richard Meinders of SVC Groep and priced at €2,495 excl. VAT.
• De Financiële Adviesmarkt 2026 Comprehensive 140-page research report providing a complete overview of the Dutch financial advisory market including structure, employment, licenses, distribution points, and growth, including the Top 100 of Most Influential Persons, priced at €3,495 excl. VAT.
• Rapport eVerzekeren 75-page research report mapping the Dutch online insurance market with approximately 300 intermediaries and eMediairs operating more than 450 eLabels, priced at €1,999 excl. VAT.
• Marktflitsen Periodic market intelligence publications providing insight into Dutch intermediary advisory market developments, market mutations, and financial health trends. Some Marktflitsen are published for free as lead-generation content while others are sold as part of the Top 100 and study report product line.

Quantifiable outcome

• Quality ratings updated quarterly based on new data
• +3 more outcomes

Named customers6 records

Segments7 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability3 records

Feature10 records

Partnerships

Five partnerships are on record, tiered core and minor.

• VVP VademecumcoreStrategic or Co-development PartnerRiFD became the exclusive data supplier for VVP's Vademecum, an online database containing extensive information about all financial advisors in the Netherlands. Previously published in book form, the Vademecum is now available online.
• Oostdam & PartnerscoreStrategic or Co-development PartnerCollaboration partner for Marktflitsen publications and RiFD Top 100 rankings. Oostdam & Partners provides market expertise and helps interpret data for the periodic market reports.
• BHB DullemondminorStrategic or Co-development PartnerCollaboration on the Overnamemonitor (M&A Monitor), published semi-annually based on RiFD data. BHB Dullemond creates the analysis using the RiFD database.
• Credit Information BureauscoreOthersRiFD purchases information from multiple credit information bureaus which in turn collect data from various public sources including websites, registries, and the Chamber of Commerce.
• Data SupplierscoreOthersMultiple reputable data suppliers providing information that feeds into the INFAS database, complementing publicly available sources from KvK, AFM, and Kifid.

Scale indicators11 records

Recent moves2 records

Expansion highlights5 records

Broad incumbents

• Creditsafe: Global business credit bureau with a strong European presence. Comparable to RiFD in providing aggregated credit reports and monitoring on businesses across multiple jurisdictions, though broader in scope.
• Dun & Bradstreet: Global provider of business credit data and analytics. Operates broadly across many countries and industries versus RiFD's narrow Dutch intermediary focus, but addresses the same fundamental use case: aggregating public/private data into commercial credit and business intelligence products.
• Bureau van Dijk (Moody's): Moody's-owned provider of detailed company information and ownership data, including beneficial ownership linkages. Comparable to RiFD in offering granular entity-resolution and corporate structure data, but at much larger global scale.
• CRIF: European-headquartered credit bureau and business information provider. Operates across credit reporting, ratings, and decisioning solutions, with some overlap with RiFD in supplying data and analytics on European intermediaries.

Others

• AMweb: Dutch financial media outlet covering the intermediary market. RiFD's 'AM Top 100' is published with AM; both serve the same Dutch advisor ecosystem with market intelligence, though via different media (database vs. journalism).
• VVP: Dutch trade publication for the financial advisory sector and host of the Vademecum — for which RiFD is the exclusive data supplier. Closely related media/data partner rather than a direct competitor.
• BHB Dullemond: Dutch M&A advisor specialized in financial advisory firms. Collaborates with RiFD on the Overnamemonitor and consumes its data; operates in the same Dutch consolidator ecosystem but as a transaction advisor rather than data provider.
• Adfiz: Dutch industry association for independent financial advisors. Comparable ecosystem participant — RiFD's data flags Adfiz membership at advisor level, and Adfiz itself publishes market intelligence for the same constituency.

Direct peers

• Company.info: Dutch business information platform built on KvK and other public sources, offering company lookups, credit signals, and API access. Closest functional peer to RiFD in the Netherlands, although it does not specialize in financial intermediaries.
• Graydon: Graydon is the leading Dutch business credit bureau, providing company information, credit reports, and compliance data on Dutch companies. Like RiFD, it aggregates data from public registries (KvK, bankruptcy records) and serves enterprise customers with risk and intelligence needs.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Ratinginstituut Financieel Dienstverleners B.v.