Stichting Toetsing Verzekeraars

What Stichting Toetsing Verzekeraars does

Stichting Toetsing Verzekeraars is a Dutch foundation ("Stichting") registered in Rijswijk, Netherlands, listed as a non-profit entity with 1–10 employees and operating at the domain toetsingverzekeraars.nl. Its published firmographic description characterizes it as assessing insurers and related organizations for compliance with self-regulation and customer-focused conduct. However, the substantive business activity evidenced in the input data — including the website content, product catalogue, customer examples, contact details, and revenue model — pertains to Refresj, a small private website-template business headquartered at Q.A. Nederpelstraat 26, 2552 HH Den Haag ([email protected], 070-399-7934), which appears to operate its template storefront through the toetsingverzekeraars.nl domain. This mismatch is noted but not resolved by the source material.

Refresj's core product is a suite of five pre-designed, mobile-responsive website templates (Template 1 through Template 5) sold to Dutch small businesses. The technology stack is a lightweight CMS that allows customers to edit text and images using a Word-like interface, while layout changes require professional assistance. Templates support unlimited pages and are sold for a €599 one-time license or a €39/month subscription, each with a €150 one-time installation fee and €12.50/month hosting. Ancillary add-ons include an SSL certificate (€12.50/month), domain registration (€3.50/month or €35/year), a news module, on-site SEO, extra contact forms (each €199 one-time or €15/month), and a "Self Content Filling" training course (€315 one-time).

The business model is direct-to-consumer with no resellers, distributors, or marketplace presence. Customers order online, complete a "kickstart" document, and the company builds the site — reportedly within one day if all materials are supplied, with typical customers taking about a week to assemble inputs. Contracts run four years with automatic one-year renewal and three months' cancellation notice; monthly billing is annual by default with a €3.50 admin fee for monthly invoicing. The customer base is horizontal SMBs across installation, maintenance, fashion, professional services, and HR (Boekee Installaties, Rogsonderhoud, J22 Mode, Brigitte Schreuder, Klopt HR are cited as template examples). No revenue figures, headcount, funding, partnerships, M&A activity, or AI/ML capabilities are disclosed in the input data.

Name

Stichting Toetsing Verzekeraars

Legal name

Refresj

Website

https://toetsingverzekeraars.nl

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

1–10 employees

Short description

Refresj, operating via the toetsingverzekeraars.nl domain, sells five pre-designed mobile-responsive website templates to Dutch small businesses for €599 one-time or €39/month, with add-on hosting, SSL, domains, and SEO modules under four-year auto-renewing contracts.

Ownership category

akta.pro rank

Product category

Website Templates

NAICS

Graphic Design Services (541430)

SIC

Services-Mailing, Reproduction, Commercial Art & Photography (7330)

akta.pro industry

PRIMARYBPAEAOAC

Software License Resale & Optimization (Perpetual/Subscription)

Business & Public Services/IT & Digital Services (Managed Services, Systems Integration)/IT Asset Management & Software Licensing Services

Keywords

• Website templates
• Web design platforms
• Website hosting services
• Responsive web design
• Small business websites

Headquarters

HQ city

Rijswijk

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Template Sales (One-time): Customers pay a one-time fee of €599 for a template license. This includes 2 extra pages plus Home and Contact page, with ability to add unlimited pages.
2. Subscription Services: Monthly subscription option at €39 per month per template. Includes hosting costs of €12.50 per month. Contracts are 4-year terms with automatic 1-year renewals.
3. Add-on Services: Additional paid options including SSL certificate (€12.50/month), domain name (€3.50/month or €35/year), news module (€199 one-time or €15/month), SEO optimization (€199 one-time or €15/month), extra contact forms (€199 one-time or €15/month), and a 'Self Content Filling' course (€315 one-time).

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

Stichting Toetsing Verzekeraars operates the Refresj template business, selling five pre-designed responsive website templates to Dutch small businesses. Customers can purchase a template license for a one-time fee of €599 or subscribe monthly at €39, with separate charges for hosting (€12.50/month), installation (€150 per template), and optional add-on modules such as SSL, domain registration, news publishing, SEO, and contact forms.

Product overview

Refresj offers a suite of 5 professional website templates (Template 1-5) available for €599 one-time or €39/month, built as a unified template platform. The core product is sold as a website template package that includes a homepage and contact page, with unlimited additional pages creatable in their system. They offer various add-on modules including SSL certificates (€12.50/month), domain name registration (€3.50/month), news modules (€199 or €15/month), SEO tools (€199 or €15/month), additional contact forms (€199 or €15/month), and a self-content training course (€315). Hosting costs €12.50/month and installation is €150 per template. The templates are mobile-responsive and designed for users with basic Word editing skills, though layout modifications require professional assistance.

Differentiator

Problem solved

Functional benefit

Products and services

• Refresj Template 1 Professional responsive website template with Word-like editing for text and images. Available for €599 one-time or €39/month subscription. Used by small Dutch businesses such as Boekee Installaties.
• Refresj Template 2 Professional responsive website template with Word-like editing for text and images. Available for €599 one-time or €39/month subscription. Used by small Dutch businesses such as Rogsonderhoud.
• Refresj Template 3 Professional responsive website template with Word-like editing for text and images. Available for €599 one-time or €39/month subscription. Used by small Dutch businesses such as J22 Mode.
• Refresj Template 4 Professional responsive website template with Word-like editing for text and images. Available for €599 one-time or €39/month subscription. Used by small Dutch professionals such as Brigitte Schreuder.
• Refresj Template 5 Professional responsive website template with Word-like editing for text and images. Available for €599 one-time or €39/month subscription. Used by small Dutch businesses such as Klopt HR.

Quantifiable outcome

• Website built within 1 day if kickstart document is completed and materials are provided
• +1 more outcomes

Named customers5 records

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Recent moves4 records

Direct peers

• Squarespace: Premium template-based website builder aimed at SMBs, creators, and small retailers. Comparable on template-driven model, subscription pricing, and SMB/sole-trader customer segment — though positioned at a higher price tier than Refresj.
• WordPress.com: Hosted website platform with paid template-based plans targeting SMBs and bloggers. Directly comparable to Refresj on template-driven SMB website creation with bundled hosting.
• Weebly: Simple drag-and-drop website builder for SMBs, now owned by Block. Comparable to Refresj on ease-of-use positioning, template-based site creation, and SMB target segment.
• Jimdo: European DIY website builder (HQ Hamburg) with strong presence in the Netherlands and DACH region. The closest geographic and pricing competitor to Refresj — same SMB target, similar template-plus-subscription model, and direct overlap in the Dutch market.
• Webflow: Professional website builder with template-based site creation aimed at SMBs, agencies, and designers. Comparable on the template-platform model, though skewed toward more design-savvy users than Refresj's Word-like editing experience.
• Site123: Simplified DIY website builder targeting non-technical SMB users with template-based site creation. Closely matches Refresj's positioning around ease-of-use and fast setup for small businesses.
• Wix: Global DIY website builder targeting SMBs with drag-and-drop templates, hosting, domains, and add-on apps. Directly comparable to Refresj on target customer (small businesses needing affordable websites) and core offering (template-based sites with hosting bundled in).

Regional players

• One.com: European (Danish/Nordic-rooted) hosting and website builder targeting SMBs across Northern Europe. Comparable to Refresj on SMB focus and bundled hosting/domain offering, with overlapping Nordic/Dutch market exposure.

Broad incumbents

• Web.com: Established provider of website builder, hosting, and digital marketing services for SMBs. Overlaps with Refresj on template-based SMB site delivery but operates across a much broader portfolio of services.
• GoDaddy Websites: Large incumbent offering domains, hosting, and a built-in website builder for SMBs. Overlaps with Refresj on SMB website delivery but operates as part of a much broader services portfolio rather than a niche template specialist.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat2 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/stichting-toetsing-verzekeraars

Revenue estimate

Valuation estimate

Number of profiles

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 Stichting Toetsing Verzekeraars