Scherp Financieel Advies

What Scherp Financieel Advies does

Scherp Financieel Advies is an independent Dutch financial advisory firm founded in 2018 by Jeroen Koops van 't Jagt and headquartered in Groningen, with a secondary office in Assen. The firm delivers mortgage, insurance, income-protection, and pension advisory services to private individuals and small-business clients in the Groningen-Assen region, operating without proprietary obligations to any bank or insurer and comparing offerings across the Dutch market. Its team comprises four mortgage advisors (Jeroen Koops van 't Jagt, Hannelore van den Bosch, Laurens Huisman, Claudio Piek), two insurance advisors (Diana Nieboer, Giovanni Rigters), and four back-office specialists, supported by more than 20 years of combined industry experience.

The product portfolio centers on hypotheekadvies and verzekeringsadvies, extended through sub-products including the Startersdeal bundle with ben-s.nl makelaardij (fixed fee €4,500-€5,250, 'No Cure, No Pay'), Nieuwbouwhypotheek, Verduurzamingshypotheek (up to 106% LTV for energy upgrades), Meeneemregeling interest-rate portability, and advisory for home purchase and sale transactions. No proprietary technology platform is disclosed; service delivery relies on standard digital portals (MijnDigimap, UwKluis), online mortgage calculators, and physical consultations at its offices. Pricing is transparent and fixed-fee based, with the first consultation always free and without obligation.

Revenue is generated through professional-services fees on mortgage and insurance advisory engagements, with potential commission on bundled insurance products. The go-to-market combines sales-led advisory at physical offices, digital and phone consultations, content marketing through a weekly newsletter (Scherp Hypotheek Update) and blog, and a referral channel within the 'Partners in Wonen' ecosystem that includes Boekholt & partners and ben-s.nl Makelaar Groningen. Customer satisfaction is independently validated at 4.9/5.0 on Google and 9.7-9.9/10 on Advieskeuze.nl.

Name

Scherp Financieel Advies

Legal name

Scherp Financieel Advies

Website

https://scherpfinancieeladvies.nl

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

Scherp Financieel Advies is an independent Dutch financial advisory firm in Groningen and Assen providing mortgage, insurance, income-protection, and pension advice to private individuals and small businesses across all Dutch lenders and insurers.

Ownership category

akta.pro rank

Headquarters

HQ city

Groningen

HQ country

Netherlands

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales

Revenue model

1. Hypotheekadvies: Fee-based mortgage advisory services. First consultation is free and without obligation. After initial consultation, clients pay a transparent fixed fee for the complete trajectory from advice through notary completion. The company works with all lenders and insurers independently.
2. Startersdeal Package: Fixed-fee bundled service for first-time buyers combining mortgage advice and purchase brokerage. Fee ranges from €4,500 to €5,250 depending on property purchase price. 'No Cure, No Pay' model - no payment if purchase does not complete. Average savings of €1,200 compared to separate trajectories.
3. Verzekeringsadvies: Insurance advisory services for both private (particuliere) and business (zakelijke) insurance including income protection, life insurance, and pension insurance. Revenue generated through advisory fees, with potential commissions from insurance products.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels8 records

Core offering

Scherp Financieel Advies is an independent Dutch financial advisory firm that provides mortgage, insurance (personal and business), and pension advice to clients in the northern Netherlands. The firm operates from offices in Groningen and Assen and serves both first-time homebuyers, existing homeowners, and small business owners with bundled financial planning across the household balance sheet.

Product overview

Scherp Financieel Advies is an independent financial advisory firm operating primarily as a mortgage and insurance advisory practice with offices in Groningen and Assen. Its product portfolio consists of two core service lines: (1) Mortgage Advisory Services — anchored by general hypotheekadvies, and extended through sub-products including the Startersdeal bundled first-home package, Nieuwbouwhypotheek for new-build purchases, Verduurzamingshypotheek for energy-efficiency upgrades, Meeneemregeling for interest rate portability on relocations, and advisory services for home buying and selling; and (2) Insurance Advisory — covering personal and business lines, income protection, and pension planning, with policies bundled across multiple insurers. A weekly newsletter (Scherp Hypotheek Update) and online mortgage calculation tools support the advisory offering. The firm positions itself as fully independent, comparing all Dutch lenders and insurers without exclusive ties to any single provider.

Differentiator

Problem solved

Functional benefit

Products and services

• Hypotheekadvies (Mortgage Advice) Independent mortgage advice and arrangement for homebuyers and existing homeowners in the Netherlands, including mortgage comparison, application support, and guidance through the full mortgage process.
• Startershypotheek (First-Time Buyer Mortgage Package) Bundled advisory package aimed at first-time homebuyers, combining mortgage advice, NHG (National Mortgage Guarantee) handling, and fixed pricing starting from €1,950 (rising to €3,500 depending on complexity).
• Nieuwbouwhypotheek (New-Build Mortgage Advice) Specialist mortgage advice for newly built homes, addressing the distinct timelines, phasing, and construction-linked financing rules that apply to new-build purchases.
• Verduurzamingshypotheek (Sustainability Mortgage Advice) Advice on sustainability-linked mortgage financing used to fund energy-saving home improvements, supporting clients who want to invest in making their home more energy efficient.
• Hypotheek Oversluiten (Mortgage Refinancing) Advice on switching an existing mortgage to a new lender to obtain better terms, lower rates, or release equity, including the meeneemregeling (interest rate portability) review.
• Financieel Advies bij Aankoop (Purchase-Side Financial Advice) Financial advice tied to a property purchase, covering mortgage structuring, tax considerations, insurance alignment, and notary coordination.
• Financieel Advies bij Verkoop (Sale-Side Financial Advice) Financial advice provided at the sale of a property, addressing mortgage settlement, residual debt, and tax or insurance implications.
• Particuliere Verzekeringen (Personal Insurance Advice) Independent advice and arrangement of personal insurance products, including home contents, building, liability, and other household insurance policies, aligned with the client's mortgage and household situation.
• Zakelijke Verzekeringen (Business Insurance Advice) Independent advice on business insurance for entrepreneurs and small business owners, covering property, liability, business continuity, and other commercial risk coverage.
• Inkomensbescherming en Pensioenadvies (Income Protection & Pension Advice) Advice on income protection (such as disability and survivor coverage) and pension planning for both individuals and small business owners, integrated with broader financial planning.

Quantifiable outcome

• Customer satisfaction rating of 4.9/5.0 on Google
• +4 more outcomes

Named customers17 records

Segments7 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core.

• Boekholt & partnerscoreChannel Partner/ Reseller/ DistributorStrategic partnership with Boekholt & partners makelaardij (real estate agency) including Boekholt Nieuwbouwspecialist. Part of 'Partners in Wonen' network. Co-located offices enable seamless referrals for homebuyers seeking combined mortgage and purchase brokerage services. Provides access to their client base for mortgage advisory services.
• ben-s.nl Makelaar GroningencoreChannel Partner/ Reseller/ DistributorStrategic partnership with ben-s.nl makelaardij for real estate services. Special 'Startersdeal' collaboration provides bundled services for first-time buyers combining mortgage advice with purchase brokerage on 'No Cure, No Pay' basis. Part of Partners in Wonen network. Enables quick financing verification to strengthen bidding position.
• Partners in WonencoreStrategic or Co-development PartnerNetwork organization connecting Scherp Financieel Advies with Boekholt & partners, Boekholt Nieuwbouwspecialist, ben-s.nl Makelaardij, ben-s.nl Verhuur & beheer, and Scherp Verzekeringen. Enables comprehensive 'one roof' service for housing-related financial services including mortgage advice, insurance, and real estate transactions.

Scale indicators7 records

Recent moves2 records

Expansion highlights6 records

Direct peers

• Hypotheek Visie: National independent mortgage advisory chain in the Netherlands comparing offerings across all lenders with bundled packages for first-time buyers. Highly comparable GTM and product model to Scherp's mortgage advisory business.
• De Hypotheker: Largest independent mortgage broker in the Netherlands with a franchise network offering independent advice across all lenders. Directly comparable to Scherp's broker model, although operating at significantly greater scale and geographic breadth.
• Van Bruggen Adviesgroep: Dutch independent financial advisory firm offering mortgage, insurance, and pension advice to private and business clients via a local-office franchise model. Closely comparable business model and service mix to Scherp.
• Duijvestein Administratie & Advies: Smaller regional Dutch advisory firm providing mortgage, insurance, and accounting services to private and SME clients. Comparable in size, regional focus, and advisory service mix to Scherp.

Emerging players

• Pricewise: Dutch online comparison platform for mortgages, insurance, energy, and financial products. Comparable in product category to Scherp's mortgage and insurance comparison services, delivered through a digital front-end.
• Independer: Online Dutch comparison and advice platform for insurance, mortgages, and financial products. Comparable to Scherp's mortgage and insurance advisory offering, but delivered via a digital/self-service channel rather than local advisors.

Broad incumbents

• ABN AMRO: Major Dutch bank with mortgage advisory services across personal and business banking; Scherp's founder previously worked at ABN AMRO. Comparable in mortgage product offering but operates with a much larger portfolio and tied-agent model.
• Rabobank: One of the largest Dutch banks offering mortgage products and in-house mortgage advice as part of a full retail and commercial banking portfolio. Comparable mortgage advisory capability, but as part of a much broader financial institution versus Scherp's independent advisor model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/ScherpFA
• Facebookfacebook.com/Scherpfinancieeladvies
• LinkedInlinkedin.com/company/scherpfinancieeladvies

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 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 Scherp Financieel Advies