Krediet Service Center (ksc)

What Krediet Service Center (ksc) does

Krediet Service Center B.V. (KSC) is a Dutch private credit intermediary founded by Erik van Haaster and headquartered in Eindhoven. The company operates as a B2B service provider connecting Dutch financial intermediaries, advisors, brokers, and retailers with the full universe of Dutch consumer and business credit providers. Its product surface spans three credit categories — Consumptieve Kredieten (consumer credit), Zakelijke Kredieten (business credit including lease, factoring, and commercial mortgages), and Krediet via Retailers (point-of-sale financing) — all routed through the proprietary MKO-module (Mijn Krediet Omgeving), a 24/7 digital application portal supporting both advisor-led (TOP) and full-service (PREMIUM) submission flows. Supplementary services include the Nazorgmodule (outsourced aftercare and rate review) and Rendementsverbetering (yield improvement advisory).

The company holds regulatory registration with the Autoriteit Financiële Markten (AFM) under WFT number 12018767, is affiliated with KIFID under number 300.013954, and was recognised by DFO as the best credit service provider in 2019. Technology integrations with mortgage advisory platforms Adviesbox and Findesk embed KSC into existing advisor workflows.

KSC generates revenue through a mix of recurring commissions on outstanding consumer loan portfolios ('doorlopende provisie'), transaction and success fees on business credits (per a brokerage fee agreement), embedded commissions within lease products paid by credit providers, and lead referral fees to retail partners. The approximately 10-person team operates exclusively in the Netherlands with no disclosed external funding, parent company, or acquisition activity. Distribution combines inside sales through account managers with a self-serve digital channel for appointed partners.

Name

Krediet Service Center (ksc)

Legal name

Krediet Service Center B.V.

Website

https://ksc.nl

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

1–10 employees

Short description

Krediet Service Center (KSC) is a Dutch AFM-registered credit intermediary that connects financial advisors, brokers, and retailers with all major Dutch consumer and business credit providers through its MKO digital platform, earning recurring commissions and transaction fees.

Ownership category

akta.pro rank

Headquarters

HQ city

Eindhoven

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Ongoing Commission (Doorlopende Provisie): KSC earns recurring monthly commissions from credit providers based on outstanding loan balances in the portfolio. This applies to consumer credit intermediation.
2. Transaction/Success Fees: For business credits, KSC may charge a start fee and/or success fee to the credit seeker, documented in a 'Overeenkomst Bemiddelingsvergoeding' (Brokerage Fee Agreement) before services begin.
3. Lead Referral Fees: Retail partners may receive a one-time lead referral fee when KSC successfully processes a credit application originated through the retailer.
4. Embedded Commission in Lease Products: For lease products (financial/operational), KSC's compensation is often included within the customer's monthly payment terms, received from the business partner providing the credit.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels4 records

Core offering

Krediet Service Center is a Dutch credit intermediation service provider that gives financial intermediaries and advisors direct access to all credit providers in the Netherlands across consumer credit, business credit, and retail credit. KSC processes applications end-to-end (TOP and PREMIUM submission modes) via its MKO digital portal, manages aftercare through the Nazorgmodule, and advises intermediaries on yield improvement through recurring commissions. The company is registered with the AFM and operates exclusively on a B2B basis, earning commissions from credit providers rather than fees from intermediaries.

Product overview

Krediet Service Center (KSC) is a financial services provider operating as a multi-product credit intermediation platform on the Dutch market. The core offering consists of three credit categories — Consumptieve Kredieten (consumer credit), Zakelijke Kredieten (business credit), and Krediet via Retailers (retail credit) — all accessible through the MKO-module (Mijn Krediet Omgeving), KSC's proprietary digital application portal. The platform supports two submission modes: a TOP-aanvraag, where the intermediary retains advisory lead throughout the process, and a PREMIUM-aanvraag, where KSC manages the full application end-to-end. Supplementary services include the Nazorgmodule (aftercare module) for active portfolio monitoring and Rendementsverbetering (yield improvement) guidance. KSC also publishes the KSC Magazine as a business development resource. The company acts as a one-stop gateway connecting financial intermediaries with all major Dutch credit providers.

Differentiator

Problem solved

Functional benefit

Brands

• Nazorgmodule: Aftercare module allowing business partners to outsource statutory aftercare and updating of ongoing credits to KSC advisors.
• MKO-module (Mijn Krediet Omgeving)

Products and services

• Consumptieve Kredieten (Consumer Credit Intermediation)
• Zakelijke Kredieten (Business Credit Intermediation)
• Krediet via Retailers (Retail Credit Intermediation)
• Nazorgmodule (Aftercare Module)
• Rendementsverbetering (Yield Improvement Advisory)

Quantifiable outcome

• Portfolio yield increase of up to 60% through credit intermediation for individual clients
• +1 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature3 records

Partnerships

Two partnerships are on record, tiered core.

• Business Credit Providers (Dozens of Partners)coreChannel Partner/ Reseller/ DistributorKSC has direct appointments with several dozen credit providers for commercial lending products including: Current Account, Financial Lease, Operational Lease, Commercial Credit, Commercial Property Mortgage, Rental Property Mortgage, VAT Pre-financing, and Factoring.
• Consumer Credit ProviderscoreChannel Partner/ Reseller/ DistributorKSC works with multiple consumer credit providers to offer the best interest rates to individual clients. The company provides intermediaries direct access to all credit providers in the Dutch market.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• De Hypotheekshop: Large Dutch mortgage and consumer credit intermediary chain connecting consumers with lenders through a network of franchise advisors. Directly comparable to KSC as a Dutch intermediary whose advisors submit credit applications through lender appointments and earn commission flows.
• Hypotheek Visie: Dutch mortgage and credit intermediary chain serving Dutch consumers through a national advisor network. Comparable to KSC's intermediary-led distribution model for credit products in the Dutch market, though with a stronger mortgage focus.
• Independer: Dutch financial comparison and intermediation platform for insurance, credit and mortgage products. Comparable to KSC as a Dutch intermediary that aggregates lender offerings and channels consumers through partner advisors, with overlap in the credit intermediation category.
• Cariocca: Dutch loan broker and credit intermediary that matches consumer and business borrowers with lenders across the Netherlands. Comparable to KSC as a similarly sized AFM-registered Dutch credit broker operating on commission economics across multiple lenders.
• Dynamic Credit: Dutch loan origination and credit platform serving investors and borrowers in consumer and SME lending. Comparable to KSC as a Dutch-headquartered credit intermediary/infrastructure player operating between lenders and end-borrowers, though with a more institutional focus.

Broad incumbents

• Rabobank: Major Dutch retail and commercial bank offering consumer credit, mortgages, and business financing directly. Comparable to KSC as a credit provider active in the Dutch consumer/SME credit market where KSC intermediates, representing one of the 'all credit providers' KSC connects to.
• ABN AMRO: Dutch universal bank active across consumer credit, mortgages, and SME/business financing. Comparable to KSC as a major Dutch credit provider whose products are intermediated via KSC's platform, representing incumbent scale versus KSC's intermediary positioning.
• ING Netherlands: Large Dutch retail bank offering consumer loans, mortgages, and business credit directly. Comparable to KSC as one of the major Dutch credit providers accessible through KSC's intermediary platform, with overlapping consumer and business credit product sets.

Emerging players

• Findesk: Dutch mortgage and credit advisory software platform for financial advisors, integrated with KSC's submission flow. Comparable to KSC as part of the same Dutch credit intermediary ecosystem; potential emerging competitor or channel partner depending on whether it expands into native credit placement.
• Adviesbox: Dutch mortgage advisory software used by financial intermediaries, integrated with KSC's credit submission flow. Comparable as part of the same Dutch advisor software ecosystem serving credit intermediaries; could be a partial competitor if it expanded its own lender marketplace.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/krediet-service-center

Compliance3 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 Krediet Service Center (ksc)