ROS finance V.O.F.

What ROS finance V.O.F. does

ROS finance V.O.F. is a Dutch financial services intermediary founded in 1999 and headquartered in Veenendaal, Netherlands. The company operates as a regulated credit intermediary (bemiddelaar) under AFM license number 12018350, connecting borrowers with credit providers for vehicle and equipment leases. Its target customers are Dutch SMBs (MKB ondernemers), self-employed professionals (ZZP'ers), starting entrepreneurs, and private individuals seeking to lease cars, vans, trucks, or business equipment.

The core product is financial lease with terms spanning 12 to 72 months, under which the lessee becomes economic owner of the asset from day one. The portfolio has been extended to include operational lease, equipment lease for non-vehicle assets, and sale & leaseback. The underlying technology consists of an online lease calculation platform that delivers real-time monthly payment quotes, paired with a dealer partnership program that integrates inventory from 500+ dealers — covering 80,000+ vehicles — and syndicates free listings on Marktplaats, Gaspedaal, and Google. Funded credit-provider relationships include Dutch Finance (Volkswagen Pon Financial Services) and Krediet Service Center.

The business model is commission-based: ROS finance does not charge direct fees to customers, instead earning referral commissions from the credit provider upon successful lease origination. The go-to-market combines a direct digital channel (online calculator and inside sales) with a partner channel through the dealer network. The company employs 15 people across three departments and operates exclusively within the Dutch market.

Name

ROS finance V.O.F.

Legal name

ROS finance V.O.F.

Website

https://rosfinance.nl

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

11–50 employees

Short description

ROS finance V.O.F., founded in 1999 in Veenendaal, Netherlands, is an AFM-licensed credit intermediary that originates financial, operational, and equipment leases for Dutch SMBs, ZZP'ers, entrepreneurs, and consumers via a 500+ dealer network.

Ownership category

akta.pro rank

Product category

Vehicle Leasing Services

NAICS

Automotive Equipment Rental and Leasing (5321)

SIC

Finance Lessors (6172)

akta.pro primary industry

Auto & Vehicle Leasing (Personal Use) (FSAKANAA)

akta.pro secondary industry

Fleet & Commercial Vehicle Finance (FSAKADAE)

Keywords

• Financial lease services
• Vehicle leasing
• Auto financing
• Equipment leasing
• Sale leaseback

Headquarters

HQ city

Veenendaal

HQ country

Netherlands

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Financial Lease Intermediation: ROS finance acts as an intermediary (bemiddelaar) in consumer credit, specifically auto financing. They receive commission from credit providers (Dutch Finance and Krediet Service Center) for facilitating lease contracts. No direct fees charged to customers - compensation comes from the lender upon successful contract completion.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

ROS finance V.O.F. is a Dutch financial lease specialist that intermediates consumer credit on behalf of lenders (Dutch Finance and Krediet Service Center) to finance cars, vans, trucks, and business equipment for entrepreneurs and self-employed individuals. Customers become economic owners of the asset from day one and pay fixed monthly installments over 12 to 72 months, with the company earning commission from credit providers upon successful contract completion.

Product overview

ROS finance V.O.F. is a Dutch financial services company founded in 1999, operating as a financial lease specialist for businesses and self-employed individuals (zzp'ers). The core offering is financial lease for vehicles and equipment, supplemented by operational lease, equipment lease for non-vehicle assets, and sale & leaseback services. The company maintains a dealer network of over 500 partners with more than 80,000 vehicles in inventory, connected through a dealer partnership program that enables inventory synchronization. Self-service tools include an online lease calculator for payment estimation. Key differentiators include 24-hour financing approval, no annual financial statements required for startups, flexible terms of 12 to 72 months, and direct economic ownership for customers with associated tax benefits (investment deduction, interest deduction, VAT recovery). The company holds an AFM (Autoriteit Financiële Markten) license (12018350) and is registered with KiFiD for dispute resolution.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Lease A business leasing product where customers become economic owners of vehicles (cars and commercial vehicles) and pay monthly installments over 12 to 72 months. Customers benefit from tax advantages including investment deduction, interest deduction, and VAT recovery. Targeted at Dutch entrepreneurs and self-employed professionals.
• Operational Lease An alternative to financial lease where the leasing company retains ownership of the vehicle. Customers pay monthly for vehicle use without building equity, typically with maintenance and insurance included.
• Equipment Lease Financial lease specifically for business equipment and machinery including trucks, construction equipment, agricultural machines, forklifts, trailers, and workshop tools. Enables businesses to finance non-vehicle assets while becoming economic owners.
• Sale & Leaseback A financial solution where customers sell their existing business vehicle(s) to ROS finance and immediately lease them back. Provides immediate capital while maintaining mobility and continuing to use the vehicle.
• Lease Calculator Online self-service tool allowing customers to calculate monthly lease payments. Supports inputs for lease amount, residual value, term length (12 to 72 months), and customer type (business or personal), providing indicative pricing.
• Dealer Partnership Program Platform enabling car dealers and garages to link their vehicle inventory to ROS finance's lease offering. Dealers gain access to an additional sales channel with automated inventory synchronization, free advertising on Marktplaats and Gaspedaal, and integrated lease calculator functionality.

Quantifiable outcome

• Financing decisions within 24 hours
• +2 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Justlease.nl: Justlease is a Dutch online private lease comparison and origination platform operating as an intermediary between consumers and funders. Comparable to ROS finance in intermediation model and self-service digital channel, though more focused on private rather than business lease.
• DirectLease: DirectLease is a Dutch online financial lease broker for private and business customers, matching auto and equipment lease applicants with multiple lenders. It is the closest direct competitor to ROS finance in the Dutch intermediation model, competing for the same zzp/SMB lease demand.
• Middenbrink Lease: Middenbrink Lease is a Dutch independent broker focused on financial lease for SMBs and zzp'ers. Highly comparable to ROS finance in customer segment (SMB entrepreneurs), product mix (financial lease of vehicles/equipment), and intermediary business model.
• Volkswagen Pon Financial Services (Dutch Finance): Dutch Finance, part of Volkswagen Pon Financial Services, is ROS finance's core hire-purchase funding partner but also operates its own direct consumer auto credit and lease offerings. It is both an enabler (funding ROS finance deals) and a competitor on direct-to-consumer finance applications.
• Van Mossel Leasing: Van Mossel Leasing is the captive leasing arm of the large Van Mossel automotive dealer group in the Netherlands/Belgium. Directly competes for the same dealer-originated SMB and private lease business, with the advantage of an integrated dealer network.

Broad incumbents

• ALD Automotive: ALD Automotive is a global fleet leasing and mobility player with a strong presence in the Netherlands through the former LeasePlan competitor. Comparable to ROS finance only at the broad automotive leasing layer; serves large corporate fleets rather than zzp/SMB intermediaries.
• LeasePlan Corporation: LeasePlan is one of Europe's largest fleet management and operational leasing companies, headquartered in the Netherlands. While it serves larger fleets and acts as a principal lessor rather than broker, it overlaps with ROS finance on Dutch vehicle leasing demand and benchmarks service expectations in the market.
• Athlon Netherlands: Athlon is a Dutch-headquartered fleet and mobility services provider offering operational leasing, fleet management and increasingly financial lease. Larger incumbent with broader service portfolio; useful benchmark for SMB fleet lease pricing and product trends.

Regional players

• Friesland Lease: Friesland Lease is a Dutch regional leasing broker serving SMBs in the northern Netherlands. Comparable offering and customer base to ROS finance, but smaller and geographically concentrated; useful regional comparable for channel strategy.
• Terberg Business Lease: Terberg is a Dutch family-owned automotive group with a financial/operational lease arm. Overlaps with ROS finance on commercial vehicle and equipment lease for Dutch SMBs, particularly in the logistics/trade segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/ros-finance

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 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 ROS finance V.O.F.