ketting financieel advies

What ketting financieel advies does

Ketting Financieel Advies B.V. is an independent Dutch financial intermediary founded in 1987 and headquartered in Pernis (Rotterdam), Netherlands. The firm advises consumers and small businesses on mortgages, insurance, banking products, and tax matters, operating with a small team of 1-10 staff under a non-commission compensation model in which advisors are paid fixed salaries rather than per-product commissions. This structure is positioned to reduce product-bias risk and align with Dutch regulatory expectations for unbiased advice.

The firm's core offering spans hypotheekadvies (mortgage advice), insurance and banking product brokerage, and tax filing services, with access to a network of more than 50 insurers and banks for product comparison. Consumer-facing pricing is transparent and transactional: tax filings are priced at €125 for individuals and €150 for married or co-habiting couples, with a €50 discount available to existing woonpakket (housing-package) customers. The firm publishes downloadable tools and resources on its site to support lead capture and self-service customer engagement.

Commercially, Ketting combines advisory fees, provider commissions, and fixed service fees. It operates as a Selfstanding Advisor within ASN Bank/Regiobank, leveraging the bank's ~325-branch retail network for customer referrals. Adjacent partnerships with Immospot (real estate brokerage) and Sandra de Callafon Mediation (legal mediation) extend the offering into adjacent services around the home-buying transaction, positioning the firm as an integrated point of contact for Dutch households navigating residential property and related financial decisions.

Name

ketting financieel advies

Legal name

Ketting Financieel Advies B.V.

Website

https://kettingadvies.nl

Company type

Private

Founded year

1987

Operating status

Operating

Headcount range

1–10 employees

Short description

Ketting Financieel Advies B.V. is an independent Dutch financial intermediary based in Pernis (Rotterdam) providing mortgage, insurance, banking, and tax advisory services to consumers and small businesses under a non-commission model since 1987.

Ownership category

akta.pro rank

Product category

Independent Financial Advisory

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Loan Brokers (6163)

akta.pro primary industry

Fee-Only Advisory (FSAEAAAL)

akta.pro secondary industry

Debt Advisory & Financing Advisory (FSAEAGAD)

Keywords

• Financial advisory services
• Mortgage brokerage
• Insurance intermediation
• Tax filing services
• Independent financial intermediary

Headquarters

HQ city

Pernis

HQ country

Netherlands

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Financial Advisory Services: Advisory services for mortgages, insurance, savings, investments, and financing. Revenue historically generated through commissions from financial product providers, but now operates on a non-commission model with fixed employee salaries focused on customer interests.
2. Tax Filing Services: Tax preparation and filing services for individuals. Single: €125, Married/cohabiting: €150. Existing customers with woonpakket receive €50 discount. Free service for customers who purchased a new home through them in the past year.

Pricing tiers

Go-to-market motion3 records

Distribution channels2 records

Marketing channels4 records

Core offering

Ketting Financieel Advies is an independent Dutch financial intermediary providing personalized advice on mortgages, insurance, banking, savings, investments, financing, consumer credit, and tax filing services. As a Selfstanding Advisor of ASN/Regiobank and an intermediary across nearly all Dutch banks and insurance providers, the firm delivers independent recommendations that balance price and quality for private individuals and entrepreneurs in the Zuid-Holland region.

Product overview

Ketting Financieel Advies operates as an independent financial advisory firm offering a comprehensive suite of financial services centered around four core offerings: mortgage advisory (Hypotheekadvies), insurance services (Verzekeringen), banking products through Regiobank, and tax filing assistance (Belastingservice). The firm functions as an intermediary, working with multiple banks and insurance providers to offer unbiased advice. Additional services include real estate brokerage through the Immospot partnership, consumer credit and investment advisory, and mediation services via Sandra de Callafon Mediation. Downloadable tools include comparison cards for mortgages, insurance, pension, and wealth building, as well as valuation meters for buildings and inventory.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgage Advisory (Hypotheekadvies) Independent mortgage advisory services providing personalized advice on residential and commercial mortgage products, working with all major Dutch banks and lenders to find suitable mortgage solutions for private individuals and business clients.
• Insurance Advisory (Verzekeringen) Insurance advisory services covering both personal and business insurance needs, offering products from multiple insurance providers (over 50 providers) to ensure competitive premiums and suitable coverage for clients.
• Tax Filing Service (Belastingservice) Annual Dutch tax return preparation and filing service using pre-filled tax data covering income, property valuation (WOZ), mortgage data, and bank balances. Priced at €125 for single filers and €150 for married/cohabiting couples, with €50 discount for woonpakket holders.
• Regiobank Banking Services Banking products delivered as a Selfstanding Advisor of ASN/Regiobank, including savings accounts, complete payment packages (world card, internet banking, iDEAL), lending, investments, and mortgages. Customers gain access to 325 Regiobank branches across the Netherlands.
• Real Estate Brokerage (Makelaardij) Real estate brokerage services for buying and selling residential properties, delivered through partnership with NVM-certified broker Immospot, offering recognized broker services with competitive pricing.
• Consumer Credit Advisory (Consumptieve Kredieten) Consumer credit and personal loan products provided with advisory support for appropriate product selection, sourcing from multiple lenders to match client financing needs.
• Savings and Investment Advisory (Spaar- en Beleggingsproducten) Savings and investment products offered with advisory services to help private and business clients select appropriate wealth-building solutions across multiple providers.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered minor and core.

• Sandra de Callafon MediationminorStrategic or Co-development PartnerPartnership with Sandra de Callafon, a certified MFN mediator and RFEA Registered Financial Divorce Advisor. Provides mediation services for couples going through divorce, covering social/emotional, legal, and fiscal/financial aspects of the separation process.
• ImmospotcoreChannel Partner/ Reseller/ DistributorPartnership with NVM-certified real estate broker Immospot for property purchase and sale services. Offers recognized broker services without traditional costs, maintaining independence as advisor, with benefits of speed, convenience, personal service, and competitive pricing.
• ASN/RegiobankcoreStrategic or Co-development PartnerKetting Financieel Advies is a Selfstanding Advisor of ASN (Regiobank). Provides customers access to Regiobank products including savings, payment accounts, loans, investments, and mortgages. Regiobank has 325 branches across Netherlands with personal attention and attractive savings rates. Covered by deposit guarantee scheme.
• Multiple Insurance Companies and BankscoreChannel Partner/ Reseller/ DistributorIndependent intermediary partnerships with approximately 50+ insurance companies and banks including Aegon, ABN AMRO, Allianz, ASR, ING, Rabobank, Nationale Nederlanden, and many others. This allows them to offer products from provider A to Z ensuring competitive pricing and excellent conditions.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• De Hypotheker: Largest independent mortgage broker chain in the Netherlands with ~200+ franchise offices. Directly comparable business model: independent intermediary working with multiple banks/insurers to offer mortgage and financial advice to consumers.
• Hypotheek Visie: Dutch mortgage and financial advisory franchise network with ~80 offices nationwide. Closely comparable as an independent intermediary advising consumers on mortgages, insurance, and related financial products across a broad provider panel.
• Van Bruggen Adviesgroep: Dutch independent financial advisory chain offering mortgages, insurance, and wealth advisory. Comparable multi-product independent intermediary serving both private and SME clients through offices across the Netherlands.
• DAK Intermediairscollectief: Dutch cooperative of independent financial advisors offering mortgages, insurance, and financial planning. Comparable independent intermediary network with shared back-office and broad provider access.
• Nedasco: Dutch insurance and financial services intermediary providing advisory and broking services to independent advisors and direct customers. Comparable multi-product intermediary model with strong insurance focus.
• De Jong Financiële Bemiddeling: Small Dutch independent financial advisor also affiliated as a Regiobank Self-standing Advisor — directly comparable in size, scope, and geographic profile to Ketting Financieel Advies.

Broad incumbents

• Rabobank: Major Dutch retail bank offering mortgages, insurance, and investment products. Competes with Ketting by offering in-house advisory, but as a tied bank channel rather than an independent intermediary.
• ABN AMRO: Large Dutch bank providing mortgage, insurance, and investment advisory services. Overlaps with Ketting's offering through proprietary advisor networks and digital direct channels.

Emerging players

• Independer.nl: Dutch online financial comparison and advice platform for mortgages, insurance, and banking products. Represents the digital-first model competing with traditional intermediary advisory on price transparency and convenience.
• Aevitae: Dutch insurance intermediary and benefits administrator serving both consumers and brokers. Comparable intermediary model with a more technology-enabled and employee-benefits-focused execution.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/ketting-financieel-advies

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 ketting financieel advies