Vos Garant
Vos & Vrind is a two-advisor Dutch financial advisory partnership in Landsmeer, Netherlands, providing mortgage brokerage, insurance advisory, and life-events financial planning services to individual consumers (first-time homebuyers, movers/refinancers, and life-transition clients) in the greater Amsterdam area, with no proprietary technology platform.
- Company typePrivate
- Founded2004
- HeadquartersLandsmeer, Netherlands
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Vos Garant does
Vos & Vrind is a privately held Dutch financial advisory partnership based in Landsmeer (greater Amsterdam area), formed when two established independent advisors, Esther Vos and Wilfred Vrind, merged their separate practices under a unified brand. The firm provides personalized mortgage brokerage, insurance advisory, and life-events financial planning services to individual consumers, with primary segments being first-time homebuyers ('starters') and existing homeowners looking to move or refinance ('doorstromers'), alongside a secondary segment of customers navigating major life transitions such as job changes, illness, dismissal, early retirement, or retirement.
The service portfolio centers on core mortgage advisory products (starters, doorstromers, refinancing, and the proprietary 'Bieden met Zekerheid' bidding-certainty offering), supplemented by informational tools including a maximum-mortgage calculator, mortgage-rate overview, mortgage-forms explainer, and application checklist, as well as insurance intermediation. There is no proprietary technology platform; the digital stack is a content-driven website (vos-vrind.nl) used primarily for lead generation and education, with all transactions requiring personalized human advisory engagement.
The business model is sales-led and professional-services-based: the firm earns commissions and advisory fees as an intermediary between customers and banks/insurers, with quote-based pricing per client and no publicly disclosed fee schedule. Distribution is entirely direct via phone, email, and an online inquiry form feeding into in-person consultations at the single Landsmeer office. The market served is domestic Netherlands, geographically concentrated around Landsmeer and Amsterdam. The firm has no disclosed external investors, no parent company, no funding history, and operates without patents, certifications, or named partnerships.
Vos Garant firmographics
Firmographics- Name
- Vos Garant
- Legal name
- Vos & Vrind
- Website
- https://vosgarant.nl
- Company type
- Private
- Founded year
- 2004
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Vos & Vrind is a two-advisor Dutch financial advisory partnership in Landsmeer, Netherlands, providing mortgage brokerage, insurance advisory, and life-events financial planning services to individual consumers (first-time homebuyers, movers/refinancers, and life-transition clients) in the greater Amsterdam area, with no proprietary technology platform.
- Ownership category
- akta.pro rank
Vos Garant industry classification
Industry- Product category
- Financial Advisory Services
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Retail Residential Mortgage Brokers (Purchase & Refinance) (FSALABAA)
Keywords
Where Vos Garant is headquartered
LocationHeadquarters
- HQ city
- Landsmeer
- HQ country
- Netherlands
- HQ region
- Europe
Offices1 record
Markets served
Vos Garant business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D
Revenue model
- Financial Advisory Services: Revenue generated from advisory fees for mortgage brokering, insurance placement, and financial planning services. The firm acts as intermediary between customers and financial institutions (banks, insurers), earning commissions or fees for successful transactions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Custom advisory pricing based on individual client needs |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels4 records
Vos Garant product offering
Product offeringCore offering
Vos & Vrind is a Dutch financial advisory partnership that brokers mortgage and insurance products on behalf of individual consumers. The firm provides personalized advisory services for first-time homebuyers, existing homeowners looking to move or refinance, and clients navigating life events, acting as an intermediary between customers and banks/insurers. Services are delivered through in-person consultations at the Landsmeer office, supported by online calculators, mortgage rate information, and educational content.
Product overview
Vos & Vrind is a combined financial advisory firm offering mortgage and insurance services in Landsmeer, Netherlands. The portfolio consists of core mortgage advisory products (Hypotheek voor starters, Hypotheek voor doorstromers, Hypotheek oversluiten) bundled with the proprietary Bieden met Zekerheid service, supplemented by online tools (maximum mortgage calculator, rate overview, mortgage forms checklist) and insurance offerings. The firm is led by founders Esther Vos and Wilfred Vrind, who merged their independent practices to provide broader expertise under unified branding.
Differentiator
Problem solved
Functional benefit
Products and services
- Hypotheek voor starters (Mortgage for first-time buyers)
Companies that use Vos Garant
Customer profileSegments3 records
Ideal customer profiles3 records
Vos Garant technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Vos Garant partnerships and signals
Strategic signalScale indicators1 record
Recent moves6 records
Expansion highlights4 records
Vos Garant competitors and assessment
Company assessmentDirect peers
- De Hypotheekshop: Largest Dutch franchise network of independent mortgage advisors offering mortgage and insurance advisory to consumers; directly comparable to Vos & Vrind in service mix and intermediation model, but at national scale via franchisees.
- Findio: Online Dutch mortgage advisory platform that compares lenders and arranges mortgages digitally; competes with Vos & Vrind for the same Dutch consumer mortgage customers but delivers via a tech-enabled, lower-cost model.
- Huis & Hypotheek: Dutch mortgage and insurance intermediary serving consumers with mortgage advisory and lender intermediation; directly comparable to Vos & Vrind's customer segments (starters, movers, refinancers) and intermediation revenue model.
- Duijvestein TomTom Hypotheken: Independent Dutch mortgage advisory firm providing mortgage and insurance broking services to consumers; closely comparable to Vos & Vrind in intermediation model, customer focus, and single-firm independent structure.
- Hypotheker: National Dutch mortgage broker franchise providing mortgage advisory and intermediation across hundreds of branches; competes with Vos & Vrind for the same first-time buyer and refinancing customer segments in the Dutch market.
- Van Bruggen Adviesgroep: Dutch financial advisory firm offering mortgage, insurance, and wealth advisory services through a branch network; closely comparable to Vos & Vrind's mortgage-plus-insurance product mix and intermediary business model.
Regional players
- Centen Advies: Regional Dutch financial advisor focused on mortgage and insurance intermediation; comparable to Vos & Vrind in service offering and personal-advisory approach, with similar size and local market focus.
Emerging players
- Visma Hypotheek: Dutch digital mortgage platform under the Visma umbrella offering streamlined mortgage applications and comparison; overlaps with Vos & Vrind's Dutch mortgage intermediation space but competes through technology rather than personal advisory.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks5 records
Key highlights5 records
Customer concentration
Vos Garant social profiles
Digital presenceVos Garant financial estimates
Financial estimateRevenue estimate
Valuation estimate
Vos Garant leadership team
Management profileNumber of profiles
Profiles2 records
Vos Garant funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Vos Garant 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 Vos Garant
What does Vos Garant do?
Vos & Vrind is a Dutch financial advisory partnership that brokers mortgage and insurance products on behalf of individual consumers. The firm provides personalized advisory services for first-time homebuyers, existing homeowners looking to move or refinance, and clients navigating life events, acting as an intermediary between customers and banks/insurers. Services are delivered through in-person consultations at the Landsmeer office, supported by online calculators, mortgage rate information, and educational content.
Is Vos Garant a public or private company?
Vos Garant is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Vos Garant founded?
Vos Garant was founded in 2004. It employs 1 to 10 people.
Where is Vos Garant based?
Vos Garant is headquartered in Landsmeer, Netherlands, in the Europe region.
How does Vos Garant make money?
One revenue line is on record: financial Advisory Services.
Who are Vos Garant's main competitors?
Direct peers on record are De Hypotheekshop, Findio, Huis & Hypotheek, Duijvestein TomTom Hypotheken, Hypotheker and Van Bruggen Adviesgroep. Centen Advies is listed as a regional player. Visma Hypotheek is listed as an emerging player.
Does Vos Garant have an API?
No public API is recorded for Vos Garant.
What industry is Vos Garant in?
Vos Garant's product category is Financial Advisory Services. Its primary akta.pro industry code is FSALABAA, Retail Residential Mortgage Brokers (Purchase & Refinance). Its NAICS code is 52231 and its SIC code is 6163.