What we do not do
- No loan or revolving credit
- No credit advice
- No brokerage or application
A business loan without a BKR (the Dutch credit register) check
We insure; we do not lend and do not act as intermediaries for it either. Here you can read why an offer without an assessment is rarely an opportunity, but a warning sign.
- 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
The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert.nl or call 072 - 509 24 56 and we will take it from there.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your activities
- 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. For consumer credit, interest and charges are summarised in the annual percentage rate (APR), which makes offers comparable. The monthly payment does not. For business credit there is no such requirement, so ask yourself for the the total cost of credit over the whole term.
Licensed providers of consumer credit are required to consult the BKR for credit above a statutory threshold with a term longer than a month. Parties advertising borrowing without a BKR checkusually do not hold that licence, operate from abroad or charge fees intended to compensate for the missing check.
With a business loan to a private limited company that BKR requirement does not automatically apply. That does not make without BKR a selling point, however: a serious financier will assess your figures, your cash flow and your security in any event. If a party does not, the offer deserves suspicion. Finass Verzekert does not act as an intermediary here.
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.
FinancialPhoto coming soon
OverviewPhoto coming soon
AdvicePhoto coming soon
Who does what?
How the roles are divided between our firm and a party that may in fact provide credit.
What to look out for
Signs pointing to an unreliable offer.
- Payment of fees up front
- No annual figures requested
- No licence or establishment in the Netherlands
What we do provide
What you can come to us for.
- Business liability
- Buildings, business contents and stock
- Business interruption and legal expenses
What is covered
| Situation | At Finass Verzekert | With the licensed provider |
|---|---|---|
| Advice on the type of loan, the term and repayment | No | Yes |
| Assessment of figures, cash flow and security | No | Yes |
| Consultation of the BKR for credit taken out privately | No | Yes |
| Business liability insurance | Yes | No |
| Buildings, business contents and stock cover | Yes | No |
| Business interruption and legal expenses | Yes | No |
What is actually covered is set out in the policy conditions and the insurance card (verzekeringskaart) that you receive before you take out cover.
What to look out for when comparing
- Licence: is the party listed in the AFM register
- Advance payment: never pay before payout
- Total cost of credit: over the whole term, on an annual basis
- Security and guarantees: what is being asked for privately
- Establishment and point of contact: address, Chamber of Commerce number and complaints procedure
- Registration in a private capacity: are you co-signing or giving a guarantee
This overview is general in nature and is not personal advice.
How it works
- You check the providerIn the AFM register and in the Chamber of Commerce trade register.
- You never pay in advanceFees are set off against the payout, not transferred beforehand.
- You ask for your own dataA BKR overview shows what a financier really sees.
- We arrange the insuranceLiability, buildings, stock, business interruption and legal expenses.
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.
Why this is a warning
Four points explaining why an offer without an assessment is rarely favourable.
An assessment protects you too
The income and creditworthiness assessment exists to prevent over-lending. If it shows the payments are not affordable, that is information about your business and not an obstacle to be circumvented. Carrying on looking for a party willing to lend without an assessment is in practice the most expensive route: the price compensates for the risk nobody else was willing to take.
No licence means no protection
A provider without a Dutch licence falls outside the supervision of the AFM and is usually not affiliated to a complaints institute. If things go wrong, you have no accessible dispute resolution and often no usable point of contact. Check the provider in the AFM register and in the Chamber of Commerce trade register before you hand over any details.
Payment up front is the classic pattern
In a common form of fraud you have to pay first: file fees, a deposit, an insurance premium or an advance for the notary. After that the loan does not follow, or a new request follows. A legitimate financier sets fees off against the payout and never asks in advance for a transfer to a private account. Also be alert to contact taking place solely through chat apps.
What a BKR registration really means
A registration is not a blacklist. The BKR records current credit and notes arrears. That note disappears after a period of time. A refusal is often caused not by the registration itself but by the current commitments it reveals. Ask for your own overview and have incorrect registrations corrected.
Frequently asked questions
This is what people ask us most.
Does a business loan without a BKR check exist?
For a private limited company the BKR requirement for consumer credit does not automatically apply, so formally business finance can be arranged without a check. That is no advantage: every serious financier assesses figures, cash flow and security. If none of that is asked for, the risk lies somewhere else, usually in the price or in the reliability of the party.
Why do licence holders consult the BKR?
Because the law requires it for consumer credit above a statutory threshold with a term longer than a month. The aim is to prevent over-lending. A provider advertising borrowing without that check usually does not hold the licence. That is not an opportunity but a warning sign, including where you are borrowing for business purposes.
Will I be registered privately as a self-employed professional?
With a sole trader business or a general partnership there is no separation between private and business, so credit can end up in your personal registration. Where you co-sign or give a guarantee from a private limited company, that too can have consequences for later applications, for instance for a mortgage. Ask the provider in writing beforehand how it registers.
Can Finass Verzekert help me get a loan?
No. Our AFM licence covers general insurance. We do not provide credit, do not advise on it and do not act as intermediaries for it, including for business purposes. We do arrange the insurance a financier requires from you and the cover that suits your business: liability, buildings, stock, business interruption and legal expenses.
Every situation is different. For these situations we have a separate page.
- Finance: we refer you onThe main page
- 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 as a self-employed professional: we refer you onNote: borrowing money costs money, private and business, BKR
- Borrowing money: we refer you onPlease note: borrowing money costs money, APR, BKR check
- How much can I borrow?Please note: borrowing money costs money, APR, BKR check
- A loan as a self-employed professional (zzp'er): we refer you onPlease note: borrowing money costs money, Private and business, BKR check
- A free business loan: what is true about itPlease note: borrowing money costs money, Hidden costs, No offer
Read more
Do you need advice on your business insurance instead?
Call or email us; for credit we refer you to a party holding that licence.
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. Last updated on .
The information on this page is general in nature and is not personal advice.