What it contains
- Personal loans
- Revolving credit
- Mobile phone contracts above a threshold
BKR (the Dutch credit register) registration: how it works
A BKR registration is not a blacklist but a record. What it says and for how long determines whether you can obtain a new loan or mortgage.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your situation
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
Please note: borrowing money costs money. The BKR (the Dutch credit register) keeps a record of consumer credit. Almost every provider with an AFM licence is required to check it before granting credit.
That duty to check applies to credit from a certain threshold and with a term longer than one month. Providers advertising loans without a BKR check generally do not hold that licence.
Alongside current credit, a code may be added where there have been payment problems. Registrations remain visible for a number of years after repayment. That is not a punishment but information for the next lender.
Insurance never stands alone
A mortgage, loan or investment often touches your insurance too. We look at the bigger picture and point you to the right specialist whenever something falls outside insurance itself.
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What does BKR registration involve and how does it work?
The structure of the cover in three parts, with an overview per situation below.
Codes
A note where there have been payment problems.
- Notification of arrears
- Notification of recovery
- Visible after repayment
What we do
We do not advise or broker on credit.
- No credit advice
- General insurance, yes
- Referral to authorised firms
What is covered
| Subject | With us | With the credit provider |
|---|---|---|
| Access to your own registration | No | No |
| A check when you apply for credit | No | Yes |
| Advice on the form of loan and the term | No | Yes |
| Personal non-life insurance | Yes | No |
| Business insurance | Yes | No |
| Removal of a justified registration | No | No |
This overview is general in nature and is not personal advice. What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurance card (verzekeringskaart) of the insurer; you receive both before you take out cover. Taking out cover without advice? Then read what execution only means for you.
What does your premium depend on?
- Personal non-life insurance: home, motoring, liability
- Home and contents
- Traffic: car, motorcycle, scooter and more
- Legal expenses: disputes
- Business insurance: for business owners
- Property: let property
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, your risk and your wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
9.5New policy
9.8Claims handling
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
You request access from the BKR yourself
You have a right of access to your own data. You arrange that directly with the BKR, not through an intermediary. If anything is incorrect, the lender that made the entry corrects it. The BKR changes nothing on its own initiative.
Borrowing without BKR (the Dutch credit register) does not exist here
Licence holders in the Netherlands are required to check for credit above the threshold with a term longer than one month. Anyone advertising loans without a BKR check is generally operating without a licence or from abroad. That is not an opportunity but a warning sign.
A refusal is information
The check exists to prevent over-borrowing. If you are refused, that says something about whether the payments are affordable given your income and fixed outgoings. Carrying on looking for a provider that will say yes is usually the most expensive route.
Agencies that promise removal
A justified registration cannot simply be removed. Agencies that promise this for a fee can only submit a request that you could make yourself. Where a registration is incorrect, correction is possible, but that runs through the lender.
Frequently asked questions
This is what people ask us most.
Is the BKR a blacklist?
No, it is a record of current and repaid credit. A code is only added where there have been payment problems.
Can I borrow without a BKR check?
In the Netherlands, in practice no. Licence holders are required to check; providers claiming otherwise usually do not hold that licence.
How long does a registration stay on file?
Even after repayment a registration remains visible for a number of years. That is information for the next lender, not a punishment.
How do I request access?
Directly from the BKR. If anything is incorrect, the lender that made the entry corrects it.
Can I have a registration removed?
Not a justified one. Where a registration is incorrect, correction is possible through the lender. You do not need a paid agency for that.
Does Finass provide loans?
No. We advise and act as brokers on general insurance only and refer you to providers holding an AFM licence.
Every situation is different. For these situations we have a separate page.
- Finance: we refer you onThe main page
- Borrowing money: we refer you onPlease note: borrowing money costs money, APR, BKR check
- Borrowing money without a BKR (the Dutch credit register) check: a warningPlease note: borrowing money costs money, The BKR check is compulsory, Not an offer
- Borrowing money quickly without a BKR (the Dutch credit register) checkPlease note! Borrowing money costs money, BKR check, warning
- A business loan without a BKR (the Dutch credit register) checkNote: borrowing money costs money, BKR, licence
- How much can I borrow?Please note: borrowing money costs money, APR, BKR check
- Personal loan: we refer you onPlease note: borrowing money costs money, Fixed interest, BKR check
Read more
Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
This page was compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.