What SaldoPlus does

Stichting SaldoPlus is a Dutch non-profit foundation established in 2006 that provides income management, budget management, and financial administration services to approximately 1,000 vulnerable individuals across the North-Brabant and North-Limburg regions of the Netherlands. The organization operates from two physical locations in Helmond and Waalwijk, supplemented by on-site consultation hours (spreekuren) at partner care and forensic institutions. Its primary services are Bewindvoering (court-appointed financial guardianship under beschermingsbewind, in which SaldoPlus acts as legal representative to manage clients' finances, pay fixed costs, handle debts, and file tax returns) and Budgetbeheer (voluntary budget coaching, in which clients retain responsibility for their finances while SaldoPlus administers a bank account to pay fixed costs and monitor remaining funds). These are supported by educational guest lectures at MBO/HBO institutions (Gastlessen & Informatiebijeenkomsten) and institutional partnership services for municipalities, healthcare providers, social teams, and employers (Instanties).

The organization's core technology platform is Smart FMS (Financial Management System), a proprietary system used for both client-facing and employee-facing portals (mijnsmartfms.nl and an internal employee login), supporting financial administration workflows and information access. Revenue is generated through regulated monthly fees set under the AFM (Autoriteit Financiële Markten) tariff schedule, with rates varying by service type and client situation. As a non-profit Stichting, SaldoPlus does not have venture backing or public listing; it is governed by an independent Supervisory Board (Raad van Toezicht) chaired by P. Mikkers, with day-to-day leadership by director-bestuurder E. Derks. The organization is subject to multi-layered external oversight, including LKB quality control by the Dutch judiciary, Aegis branch association monitoring, and judicial review by the cantonal court on key financial decisions, alongside an escalation path through the Horus complaints committee.

SaldoPlus's go-to-market is relationship-led, with the majority of client acquisition occurring through referrals from Dutch municipalities, healthcare institutions (psychiatry, addiction care, disability care, forensic care, and elderly care), and wijkteams/sociale teams, supplemented by direct court appointments for guardianship and self-referrals for voluntary budget management. The organization has grown through a regional roll-up strategy, completing a 2019 merger with SVCP (Stichting Vermogensbeheer Cliënten Prisma) for intellectual disability expertise and a 2022 take-over of Moltmaker Bewindvoering in Cuijk, which absorbed one employee and the client portfolio. The organization also runs educational programs during the national 'Week van het Geld' financial literacy initiative and holds AFM, LKB, and Erkend Leerbedrijf (certified training company) credentials.

Name

SaldoPlus

Legal name

Stichting SaldoPlus

Website

https://saldoplus.nl

Company type

Private

Founded year

2006

Operating status

Operating

Short description

Stichting SaldoPlus is a Dutch non-profit foundation providing court-ordered financial guardianship and voluntary budget management services to approximately 1,000 vulnerable individuals across North-Brabant and North-Limburg from two offices with ~20 staff.

Ownership category

akta.pro rank

Product category

Financial Administration and Guardianship Services

NAICS

Office Administrative Services (5611)

SIC

Finance Services (6199)

akta.pro primary industry

Debt Management Plans (DMP) Administration (FSAEAFAB)

Keywords

• Financial guardianship services
• Budget management services
• Income administration
• Debt prevention programs
• Financial literacy education

Headquarters

HQ city

Helmond

HQ country

Netherlands

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales, Others

Revenue model

1. Bewindvoering (Guardianship Services): Legal financial guardianship services where SaldoPlus acts as court-appointed representative. Clients may be referred by courts, municipalities, or healthcare institutions. Revenue generated through monthly fees regulated by the AFM and based on the official tariff schedule.
2. Budgetbeheer (Budget Management Services): Voluntary budget management services where clients retain ownership but receive professional financial administration support. Clients enter into contracts directly with SaldoPlus. Monthly fees apply as per the published tariff schedule.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

SaldoPlus is a Dutch non-profit foundation that provides financial guardianship (bewindvoering) and voluntary budget management (budgetbeheer) services to approximately 1,000 vulnerable individuals who cannot manage their own finances. The organization acts as legal representative or financial administrator, handling payment of fixed costs, debt management, tax filing, and providing clients with a living allowance account. It also delivers financial literacy guest lessons at MBO/HBO educational institutions and partnership services for municipalities and healthcare institutions.

Product overview

SaldoPlus is a financial management foundation offering two primary services: Bewindvoering (court-appointed guardianship with full legal representation for financial administration) and Budgetbeheer (voluntary budget coaching where clients retain control). These core services are supported by educational offerings (Gastlessen & Informatiebijeenkomsten) and institutional partnership programs (Instanties). SaldoPlus manages finances for approximately 1,000 clients from two locations in Helmond and Waalwijk, using Smart FMS as the digital platform for client and employee portals.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• SaldoPlus manages finances for approximately 1,000 persons
• +1 more outcomes

Named customers1 record

Segments9 records

Ideal customer profiles3 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature1 record

Partnerships

Seven partnerships are on record, tiered minor and core.

• Moltmaker BewindvoeringminorStrategic or Co-development Partner · 1 January 2022SaldoPlus took over clients (and one employee) of Moltmaker Bewindvoering in Cuijk, strengthening market position and expertise while ensuring continuity of care for existing clients.
• Prisma (formerly SVCP - Stichting Vermogensbeheer Cliënten Prisma)coreStrategic or Co-development Partner · 1 January 2019Fusion with SVCP (Stichting Vermogensbeheer Cliënten Prisma) in Waalwijk brought additional expertise in serving clients with intellectual disabilities. This merger expanded SaldoPlus's specialized knowledge for this vulnerable population.
• Aegis (Branchevereniging)coreOthersAegis is the branch association for professional guardianship and income management providers. They conduct quality monitoring and oversee a complaints procedure for SaldoPlus clients.
• Horus (Branchevereniging Professionele Bewindvoerders en Inkomensbeheerders)minorOthersProfessional association handling complaints for guardianship and income management providers. Clients can escalate complaints to Horus's independent complaints committee if not satisfied with SaldoPlus's internal handling.
• Dutch Municipalities (various)coreStrategic or Co-development PartnerSaldoPlus works with multiple municipalities on financial care for vulnerable residents. Various cooperation agreements and covenants are in place. The organization supports municipal debt prevention goals and assists clients with welfare applications.
• Forensic Care InstitutionscoreStrategic or Co-development PartnerLongstanding intensive collaboration with specialist forensic care providers. These partners focus on rehabilitation and preventing recidivism while SaldoPlus manages the financial stability of their clients.
• LKB (Landelijk Kwaliteitsbureau) van de RechtspraakcoreOthersNational quality bureau of the Dutch judiciary that verifies SaldoPlus meets all quality requirements for providing guardianship services.

Scale indicators4 records

Recent moves8 records

Expansion highlights4 records

Emerging players

• SchuldHulpMaatje: National Dutch network of volunteer-based debt-help coaches supporting individuals with financial problems; addresses the same client need as SaldoPlus but through a volunteer-delivery model and partnerships with municipalities.
• Stichting MEE: Dutch non-profit supporting people with intellectual disabilities and other vulnerabilities; overlaps with SaldoPlus's gehandicaptenzorg and financieel-beheer workstreams from an adjacent (rather than directly competing) social-support angle.

Regional players

• Money Management International: US non-profit credit counselling agency offering DMP and financial counselling services; directly analogous to SaldoPlus in mission, service mix and target clientele, though geographically distinct.
• GreenPath Financial Wellness: US-based non-profit credit counselling and DMP provider serving financially distressed individuals; comparable service model to SaldoPlus's budgetbeheer and debt-management work but operating in a different geography.
• StepChange Debt Charity: UK-based debt-advice charity providing budgeting support, debt-management plans and financial counselling; comparable service scope and vulnerable-population mandate to SaldoPlus, but operating under UK regulatory and welfare frameworks.

Direct peers

• Kredietbank Nederland: Dutch national credit/counselling bank providing debt restructuring, budget coaching, and DMP-adjacent services to individuals; directly comparable mission and clientele to SaldoPlus's debt-management work.
• NIBUD: Dutch national institute for budget information and financial education, offering financial-literacy programmes and resources directly aligned with SaldoPlus's Gastlessen & Informatiebijeenkomsten offering.
• Flanderijn: Major Dutch provider of bewindvoering, budgetbeheer and schuldhulpverlening, operating nationally with the same AFM-regulated tariff structure and serving the same vulnerable-population segments as SaldoPlus.
• Stichting Humanitas DMN: Dutch division providing debt management and financial coaching services to individuals in financial difficulty; comparable service portfolio and target population to SaldoPlus's budgetbeheer offering.

Broad incumbents

• Intrum (Netherlands): Large European credit-management and debt-services firm with Dutch operations covering debt counselling and broader portfolio services; competes with SaldoPlus on the overlapping debt-administration slice but at much larger scale and with a wider product set.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/saldoplus

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 SaldoPlus