Stichting Onsbank
Stichting ONSbank is a Dutch non-profit foundation that runs a free six-month program for young adults aged 18–27 with debt, combining creditor debt-freeze, financial coaching, artist-led cultural workshops, and job support, funded by donations and foundation grants across Amsterdam, Rotterdam, Den Haag, and Eindhoven.
- Company typePrivate
- Founded2016
- HeadquartersAmsterdam, Netherlands
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Stichting Onsbank does
Stichting ONSbank is a Dutch non-profit foundation (ANBI) founded in 2016 and headquartered in Amsterdam, operating a free six-month program for young adults aged 18–27 who are in debt. The program combines four integrated components: six months of "schuldrust" (debt freeze negotiated with creditors), financial coaching and debt restructuring, a three-month cultural workshop track delivered by professional artists, photographers, musicians, actors, and athletes, and job or education coaching with peer support. Cohorts are capped at 15 participants, and delivery is direct to the participant across four active Dutch cities — Amsterdam, Rotterdam, Den Haag, and Eindhoven — with prior presence in Arnhem, Den Bosch, and Zaanstad. On the demand side, ONSbank also sells standalone workshops, guest lectures, and full tailored trajectories to municipalities and partner organizations as B2B services.
ONSbank is not a technology company and runs no commercial product line; its "platform" is a human-delivered methodology documented and shared with the Ministry of VWS and Kansfonds. The organization funds itself entirely through donations and institutional grants from a diversified base of Dutch foundations and corporate giving programs (Kansfonds, Adessium, FNO, ING Nederland Fonds, VSBfonds, Fonds 1818, Stichting DOEN, Fonds 21, Nationale Nederlanden), with online preset donation tiers (€5–€100) supplementing individual giving. A significant share of delivery capacity comes from volunteers, including 80+ credit-management professionals serving as debt coaches.
The organization is led by directeur Hester Apeldoorn and governed by a Raad van Toezicht chaired by Isaac Kalisvaart, with supervisory board members drawn from banking/insurance (Nationale Nederlanden, Van Lanschot Kempen), academia (HvA), and the cultural sector (Royal Academy of Art The Hague). A "Next Level" follow-up track converts graduates into experiential expert advisors who serve as coaches, event speakers, and policy advocates; in 2024 four new advisors were trained and 10 former participants were made fully debt-free through a Schuldenvrij pilot with Kansfonds. Revenue is not publicly disclosed, the team is small with heavy volunteer involvement, and the foundation operates at modest scale with an annual target of roughly 100 young people served per year.
Stichting Onsbank firmographics
Firmographics- Name
- Stichting Onsbank
- Legal name
- Stichting ONSbank
- Website
- https://onsbank.nl
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Stichting ONSbank is a Dutch non-profit foundation that runs a free six-month program for young adults aged 18–27 with debt, combining creditor debt-freeze, financial coaching, artist-led cultural workshops, and job support, funded by donations and foundation grants across Amsterdam, Rotterdam, Den Haag, and Eindhoven.
- Ownership category
- akta.pro rank
Stichting Onsbank industry classification
Industry- Product category
- Youth Debt Assistance and Social Services
- NAICS
- Educational Services (611), Professional and Management Development Training (611430)
- SIC
- Services-Educational Services (8200)
- akta.pro primary industry
- Financial Literacy, Debt Counseling & Default Prevention (EDALAJAK)
- akta.pro secondary industry
- Collections, Delinquency Management & Bad Debt Recovery (EDALAJAG)
Keywords
Where Stichting Onsbank is headquartered
LocationHeadquarters
- HQ city
- Amsterdam
- HQ country
- Netherlands
- HQ region
- Europe
Offices1 record
Markets served
Stichting Onsbank business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Others
Revenue model
- Donations and Foundation Funding: ONSbank is a non-profit organization funded entirely through donations from individuals and institutional funders (foundations, funds, and corporate giving programs). The organization is officially designated as an Algemeen Nut Beogende Instelling (ANBI), meaning it operates for public benefit and does not pursue profit. The program is free for participants.
- Corporate and Major Donations: Larger donations from companies and individuals are solicited directly through the director. Donation options include preset amounts (€5, €10, €50, €100) via online payment, with €50+ donations receiving an ONSbank shopping bag as a token of appreciation. IBAN transfers are also accepted.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Annual | Free 6-month program for young people aged 18-27 with debt problems |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels8 records
Stichting Onsbank product offering
Product offeringCore offering
Stichting ONSbank delivers a free 6-month program for young adults aged 18-27 with debt problems in the Netherlands. The program integrates four pillars: 6 months of debt relief (schuldrust), a 3-month creative workshop track led by professional artists and athletes, intensive job and education coaching, and feasible debt repayment arrangements negotiated with creditors. Additional service lines include the Next Level follow-up program that trains alumni as experiential experts, bespoke trajectories for municipalities, standalone workshops, guest lectures, and a Schuldenvrij pilot that buys out remaining debts of eligible graduates.
Product overview
ONSbank offers a single unified program (the ONSbank-programma), a 6-month free trajectory for young people aged 18-27 with debt. The core program combines four elements: (1) debt relief (schuldrust) providing 6 months of freedom from creditor stress, (2) a 3-month cultural workshop program with professional artists and athletes, (3) intensive job coaching, and (4) feasible debt repayment arrangements. Beyond the core program, ONSbank provides the Next Level follow-up program that trains former participants as experienced experts (ervaringsdeskundigen) who advocate for system change. Additional offerings include standalone workshops, event speakers, guest lectures, and the Schuldenvrij pilot project that buys out debts for eligible graduates who cannot be helped through existing systems.
Differentiator
Problem solved
Functional benefit
Products and services
- ONSbank-programma (ONSbank Basic Program) A free 6-month cohort program (maximum 15 participants per trajectory) for young people aged 18-27 with problematic debt in the Netherlands, integrating 6 months of debt relief (schuldrust), 3 months of cultural workshops with professional artists and athletes, intensive job and education coaching, personal budgeting coaching, and feasible debt repayment arrangements negotiated with creditors.
- ONSbank Next Level (Follow-up Program) A follow-up program where former ONSbank participants are trained as experiential experts (ervaringsdeskundigen) to share their lived experience, advocate for system change in Dutch youth debt policy, and serve as speakers or advisors.
- Verbindend Incassoproces - Volledig Traject op Maat A collaborative collection process offered as a full tailored trajectory to municipalities and organizations, applying ONSbank's documented methodology to help debtors resolve debt situations.
- Losse Workshops (Standalone Workshops) Standalone creative workshops delivered to partner organizations, featuring the professional artists, athletes and makers who collaborate with ONSbank's core program.
- Ervaringsdeskundige Inzet op Event Deployment of trained experiential experts (former ONSbank participants) to speak at events, congresses and policy forums, sharing lived experience to advocate for system change in Dutch youth debt policy.
- Gastles (Guest Lectures) Guest lectures delivered by trained experiential experts and ONSbank team members at educational institutions and other venues to raise awareness about youth debt issues.
- Schuldenvrij Pilot (Debt-Free Research Project) A research pilot run in collaboration with Kansfonds that buys out the remaining debts of eligible former ONSbank participants who could not be helped through existing systems, making them debt-free in one step.
Quantifiable outcome
- Groups of maximum 15 young people per trajectory
- +3 more outcomes
Companies that use Stichting Onsbank
Customer profileNamed customers1 record
Segments2 records
Ideal customer profiles2 records
Stichting Onsbank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Stichting Onsbank partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core and minor.
- FlanderijncoreDebt collection company whose employees serve as volunteer debt coaches at ONSbank. CEO Michel van Leeuwen is a volunteer debt coach. Flanderijn staff gain insight into how complex debt situations are for young people and take these learnings back to their professional practice.
- Gemeente AmsterdamcoreMunicipal partner where the first ONSbank trajectory took place in 2016. The trajectory is a valuable addition to the existing system.
- Gemeente RotterdamcoreMunicipal partner where ONSbank programs are delivered. The trajectory complements existing municipal debt assistance services.
- Gemeente Den HaagcoreMunicipal partner where ONSbank programs are active. The trajectory works best in collaboration with the municipality and various debt assistance organizations.
- Gemeente EindhovencoreMunicipal partner where ONSbank programs are delivered.
- DUO (Dienst Uitvoering Onderwijs)minorEducational executive agency that collaborated with ONSbank for the 'Nieuwsgierig naar… de Klant' event. ONSbank delivered lectures about understanding young people to DUO staff.
- Belastingdienst (Tax Authority)minorDutch Tax Authority participated in congress 'Samen opgeteld' focused on preventing youth debt. ONSbank experiential experts shared their experiences in video segments and youth panels.
- De BalieminorCultural venue in Amsterdam that co-organized events with ONSbank, including the 'Je bent jong en wilt van je schuld af' event bringing together young people, policymakers, and creditors.
- Jongeren Perspectief FondsminorYouth fund that collaborates with ONSbank to support young people in debt.
Scale indicators5 records
Recent moves8 records
Expansion highlights6 records
Stichting Onsbank competitors and assessment
Company assessmentDirect peers
- Humanitas: Large Dutch social-services organization offering debt counseling, financial coaching, and personal development support — frequently delivered by volunteers — across multiple Dutch cities. Comparable to ONSbank in target population, volunteer-based delivery model, and integrated coaching approach.
- Nationale Schuldhulproute (NSR): Dutch national collaborative platform connecting people with debt problems to debt counselors and partner organizations. Comparable to ONSbank in that it funnels indebted individuals to specialized trajectories, though it focuses more on routing than direct program delivery.
- Stichting Jarige Job: Dutch ANBI foundation supporting children in financially vulnerable households, including through gift cards and family financial support. Comparable as a Dutch non-profit targeting financial vulnerability in young people, funded through donations and corporate partnerships.
- Stichting Leergeld: Dutch ANBI foundation supporting children and young people from low-income families through grants and practical support so they can participate in education and social activities. Comparable in mission (enabling financial participation for young Dutch people) and ANBI-funded non-profit operating model.
- Stichting Schuldhulpmaatje: Dutch volunteer-led foundation providing free, in-person debt counseling to individuals across the Netherlands. Operates a nearly identical model to ONSbank (trained volunteers coaching people in debt) and serves as the closest Dutch peer in the same niche.
- StepChange Debt Charity: UK-based charity providing free debt advice, counseling, and debt management plans to individuals. Comparable to ONSbank in mission (free, professional debt counseling for vulnerable individuals) though operating at much greater scale via telephone/digital channels rather than in-person cohorts.
Regional players
- De Tussenvoorziening: Utrecht-based social services organization providing debt counseling, financial support, and personal development programs — comparable in integrated coaching plus debt-relief delivery, though regionally concentrated in Utrecht.
Emerging players
- Plinkr: Dutch social/financial platform focused on poverty and debt alleviation; an ONSbank Raad van Advies member operates there. Comparable as a Dutch social-finance peer targeting financial resilience, though more tech-platform oriented than ONSbank's in-person workshop model.
Broad incumbents
- Stichting Voedselbank: Large, established Dutch foundation addressing financial hardship through material support. Comparable as a Dutch ANBI volunteer-heavy foundation serving people in financial distress, though focused on food rather than debt relief.
- Money Advice Trust: UK charity running the National Debtline and Business Debtline, providing free debt advice and advocating for policy change. Comparable to ONSbank in combining direct debt counseling with system-level advocacy and policy engagement with creditors.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Stichting Onsbank social profiles
Digital presenceStichting Onsbank compliance and trust
Trust signalCompliance2 records
Stichting Onsbank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Stichting Onsbank leadership team
Management profileNumber of profiles
Profiles8 records
Stichting Onsbank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Stichting Onsbank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Stichting Onsbank
What does Stichting Onsbank do?
Stichting ONSbank delivers a free 6-month program for young adults aged 18-27 with debt problems in the Netherlands. The program integrates four pillars: 6 months of debt relief (schuldrust), a 3-month creative workshop track led by professional artists and athletes, intensive job and education coaching, and feasible debt repayment arrangements negotiated with creditors. Additional service lines include the Next Level follow-up program that trains alumni as experiential experts, bespoke trajectories for municipalities, standalone workshops, guest lectures, and a Schuldenvrij pilot that buys out remaining debts of eligible graduates.
Is Stichting Onsbank a public or private company?
Stichting Onsbank is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Stichting Onsbank founded?
Stichting Onsbank was founded in 2016. It employs 11 to 50 people.
Where is Stichting Onsbank based?
Stichting Onsbank is headquartered in Amsterdam, Netherlands, in the Europe region.
How does Stichting Onsbank make money?
Two revenue lines are on record. Donations and Foundation Funding is the primary driver. The others are corporate and Major Donations.
Who are Stichting Onsbank's main competitors?
Direct peers on record are Humanitas, Nationale Schuldhulproute (NSR), Stichting Jarige Job, Stichting Leergeld, Stichting Schuldhulpmaatje and StepChange Debt Charity. De Tussenvoorziening is listed as a regional player. Plinkr is listed as an emerging player. Broad incumbents are Stichting Voedselbank and Money Advice Trust.
Does Stichting Onsbank have an API?
No public API is recorded for Stichting Onsbank.
What industry is Stichting Onsbank in?
Stichting Onsbank's product category is Youth Debt Assistance and Social Services. Its primary akta.pro industry code is EDALAJAK, Financial Literacy, Debt Counseling & Default Prevention, with a secondary code of EDALAJAG, Collections, Delinquency Management & Bad Debt Recovery. Its NAICS code is 611 and its SIC code is 8200.