krediet groep nederland bv

What krediet groep nederland bv does

Krediet Groep Nederland BV is a Dutch private limited company headquartered in Bergen op Zoom, Netherlands, operating as a direct-to-consumer online lending intermediary focused on personal loans and revolving credit products. The company offers loan amounts ranging from €5,000 to €75,000 with fixed interest rates between 6.9% and 10.6% over standard 120-month repayment terms, alongside flexible/revolving credit lines. The product portfolio has expanded to include specialized offerings such as civil servant loans (Ambtenarenlening), sustainability financing (solar panels, energy efficiency), post-divorce refinancing, and lending options for benefits recipients.

The company's technology consists of an online lending platform featuring integrated loan calculation tools, a self-service application flow, and document upload functionality integrated with the Financieel Fit partner mobile application. The company operates under AFM license number 12016592 and holds a 4.5-star Google Reviews rating across 1,087 reviews. Krediet Groep Nederland is a subsidiary of Financieel Fit Groep, described as 'de beste hypotheekketen van Nederland' (the best mortgage chain in the Netherlands), leveraging the parent's brand and processing infrastructure.

The business model centers on transaction-fee revenue through interest charged on originated loans, functioning as a loan intermediary that assesses applications and routes borrowers to bank partners. Distribution is entirely digital via the company's website, complemented by inside-sales telephone support. Customer acquisition relies on content marketing through the 'Leentips' educational blog, SEO-optimized landing pages for specific loan purposes, and the reputation signal from its Google Reviews presence. The company targets Dutch individual consumers across diversified use cases including auto financing, home renovation, sustainability upgrades, recreational vehicle purchases, second homes, and debt consolidation.

Name

krediet groep nederland bv

Legal name

Krediet Groep Nederland

Website

https://kredietgroep.nl

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Krediet Groep Nederland BV is a Dutch online consumer loan intermediary offering personal loans (€5,000–€75,000) and revolving credit to Dutch consumers across use cases including auto, renovation, sustainability, and refinancing, operating as a subsidiary of Financieel Fit Groep under AFM license 12016592.

Ownership category

akta.pro rank

Product category

Consumer Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Credit Intermediation and Related Activities (522)

SIC

Loan Brokers (6163)

akta.pro primary industry

Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG)

akta.pro secondary industry

Personal Loan Refinance (Rate/Term) (FSAKAIAB)

Keywords

• Consumer lending
• Personal loans
• Revolving credit
• Loan refinancing
• Online lending

Headquarters

HQ city

Bergen Op Zoom

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Loan Interest Income: Krediet Groep Nederland generates revenue through interest charged on personal loans and flexible credit products. The company acts as a loan intermediary, assessing applications and connecting borrowers with lenders. Interest rates range from 6.9% to 10.6% depending on loan amount, with standard 120-month (10-year) repayment terms.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Krediet Groep Nederland provides online consumer loan brokerage services for Dutch consumers, offering personal loans ranging from €5,000 to €75,000 with fixed interest rates (6.9% to 10.6%) over 120-month terms, revolving credit facilities, and purpose-specific loans for vehicles, home improvements, sustainability upgrades, and second homes. The company operates as a loan intermediary, assessing applications and routing funds via partner banks with a 2-3 day processing target.

Product overview

Krediet Groep Nederland is a Dutch financial services company and part of the Financieel Fit Groep, operating as part of the 'beste hypotheekketen van Nederland' (best mortgage chain in the Netherlands). The company offers a portfolio of lending products centered around personal and flexible credit solutions. The core offerings include Persoonlijke lening (Personal Loans) with fixed terms and rates, and Flexibel krediet (Flexible Credit) for revolving access to funds. These are complemented by specialized products such as Ambtenarenlening (Civil Servant Loans) and purpose-specific loans for vehicles (auto, motor, boot, camper, caravan), home improvements (verbouwing, aanbouw), sustainability upgrades (zonnepanelen, verduurzaming), and recreational properties (recreatiewoning). The company also provides refinancing services including general loan refinancing and post-divorce debt solutions, along with lending options for individuals receiving benefits. All services emphasize transparent conditions, clear language, and quick processing with funds typically available within 2-3 days. The company operates under AFM license number 12016592 and is headquartered in Bergen op Zoom.

Differentiator

Problem solved

Functional benefit

Products and services

• Persoonlijke lening (Personal Loan) A fixed-term personal loan with a fixed interest rate and monthly payment, designed for specific borrowing purposes such as home improvements, vehicles, or debt consolidation, targeting Dutch individual consumers.
• Flexibel krediet (Flexible Credit) A revolving credit facility that allows borrowers to withdraw and repay funds flexibly up to an approved limit, paying interest only on the amount drawn.
• Ambtenarenlening (Civil Servant Loan) A specialized loan product tailored for civil servants and government employees, offering favorable terms and conditions.
• Lening oversluiten (Loan Refinancing) Loan refinancing service that helps borrowers switch existing loans to potentially obtain better interest rates or terms.
• Auto lening (Car Loan) Financing specifically designed for purchasing a new or used car, with loan terms aligned to the vehicle purchase.
• Verbouwing lening (Renovation Loan) Loan product for home renovation and construction projects such as extensions and remodeling.
• Verduurzaming lening (Sustainability Loan) Financing for energy efficiency improvements and sustainable home upgrades such as solar panels.
• Camper lening (Camper Loan) Loan product for financing the purchase of a camper or recreational vehicle.
• Motor lening (Motorcycle Loan) Financing specifically for purchasing motorcycles and scooters.
• Boot lening (Boat Loan) Loan product for financing the purchase of boats and watercraft.
• Caravan lening (Caravan Loan) Financing for purchasing caravans and travel trailers.
• Recreatiewoning lening (Holiday Home Loan) Loan for purchasing a second home or holiday residence.
• Zonnepanelen lening (Solar Panel Loan) Financing specifically for installing solar panel systems.
• Restschuld financiering (Remaining Debt Financing) Financing solution for covering remaining debt from previous loans or mortgages.
• Lening oversluiten na echtscheiding (Post-Divorce Loan Refinancing) Specialized refinancing service for individuals managing debt obligations following a divorce.
• Geld lenen met uitkering (Loan with Benefits) Loan products available for individuals receiving government benefits or social assistance.
• Tuin lening (Garden Loan) Financing for garden improvements and landscaping projects.

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Financieel Fit GroepcoreOthersKrediet Groep Nederland is explicitly stated as 'Onderdeel van Financieel Fit Groep' (part of Financieel Fit Group). Financieel Fit is positioned as 'de beste hypotheekketen van Nederland' (the best mortgage chain in the Netherlands). The partnership involves shared infrastructure for document handling via the Financieel Fit app, and Krediet Groep operates under the Financieel Fit brand identity in some contexts.

Scale indicators1 record

Recent moves4 records

Expansion highlights4 records

Direct peers

• Defam: Dutch financial services intermediary specializing in consumer credit and mortgage products. Comparable in being a regulated Dutch intermediary channeling personal-loan demand to underlying lenders, with similar AFM-licensed operations.
• Geld.nl: Leading Dutch loan-comparison and brokerage platform connecting consumers with personal loans, revolving credit, and mortgages. Operates the same intermediary model targeting Dutch households with multiple lender relationships, making it the closest direct competitor to Krediet Groep Nederland.
• Lening.nl: Dutch loan-comparison site focused exclusively on personal loans and credit. Closely comparable to Krediet Groep Nederland in single-category focus, Dutch consumer target market, and intermediary/lead-generation business model.
• Pricewise: Dutch comparison platform covering loans, energy, insurance, and telecom. Operates a similar content-led, SEO-driven consumer acquisition model in personal lending, directly overlapping with Krediet Groep Nederland's marketing strategy and target audience.
• Independer: Major Dutch financial comparison and brokerage site offering personal loans, mortgages, insurance, and banking products. Comparable as a multi-product intermediary acquiring Dutch consumers through content and SEO-driven funnels similar to Krediet Groep Nederland's approach.

Broad incumbents

• Rabobank: Dutch cooperative bank offering personal loans, mortgages, and consumer credit products. Targets the same Dutch household segment as Krediet Groep Nederland and competes for renovation, vehicle, and sustainability-loan demand via its own direct channels.
• ING Bank N.V. Major Dutch retail bank offering direct personal loans, revolving credit, and mortgages. Overlaps with Krediet Groep Nederland's product set and Dutch consumer target but operates as a funded lender rather than an intermediary — competing for the same end-borrower via direct channels.
• ABN AMRO: Large Dutch bank with a consumer lending portfolio including personal loans and credit facilities. Comparable end-customer (Dutch consumer) and product overlap, but operates as a full-service depository institution rather than a specialized broker.
• Financieel Fit Groep: Parent company and broader mortgage/advisory chain ('de beste hypotheekketen van Nederland') that owns Krediet Groep Nederland. Comparable as a Dutch consumer-finance brand with shared infrastructure, app, and distribution channel, but operating at a wider product/category scope than the consumer-loan subsidiary.

Emerging players

• Santander Consumer Finance (Netherlands): Dutch arm of Santander's consumer finance division, offering personal loans and revolving credit to Dutch consumers. Comparable in product focus on unsecured consumer credit in the Netherlands, though operating as a direct funder rather than broker.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/krediet-groep-nederland-bv

Compliance2 records

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 krediet groep nederland bv