What we do not do
- No loan or microcredit
- No assessment of your financing application
- We do refer you to a bank or microcredit provider
A business loan without a BKR (the Dutch credit register) check
A business loan without a BKR check does exist for a private limited company (bv), but hardly for a sole proprietorship; anyone who promises one without asking for figures is making money from upfront fees.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
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- 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
We do not provide loans and do not act as an intermediary for them; this page explains how the BKR (Bureau Krediet Registratie, the Dutch credit register) works for business credit and how to recognise an unreliable offer. Unlike consumer credit, where the check is a legal requirement, for a business loan it depends on your legal form. Credit to a bv is not registered with the BKR unless you co-sign or stand surety personally. A sole proprietorship (eenmanszaak), general partnership (vof) or professional partnership (maatschap) cannot be separated from the business owner: a business loan, a revolving credit, an overdraft on the business account or financial lease above € 1,000 is then registered and remains visible for five years after repayment.
A registration in itself is not negative; banks and lenders only see that the credit exists and whether it is running or repaid, not the amount. Only an arrears code counts against you. A serious lender that does not consult the BKR does so because it has other information: your bank statements, VAT returns, card-terminal turnover or a business plan. A lender that asks for nothing at all cannot judge whether you will repay and builds that risk into the price.
Or it does not lend at all. The AFM (Dutch Authority for the Financial Markets) keeps a warning list of unlicensed credit providers that charge administration fees upfront and never pay out. How this works and what you can check is explained below.
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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Who does what?
We do not help with financing, but we do help with the business risks that push a company into financial trouble; that is why this section sets out what we do and do not do for you.
What to look out for
Signs of loan fraud as described by banks and the Fraudehelpdesk (Dutch fraud helpdesk): payment upfront, no request for figures, no verifiable provider.
- Administration or file fees before payout
- No request for turnover, statements or a plan
- Not in the KvK register or on the AFM list
What we do provide
Insurance that prevents a fire, claim or business interruption from still driving your company towards an expensive loan.
- Business liability and professional indemnity
- Equipment, stock and business interruption
- Legal expenses cover in a dispute with a lender
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
What to watch out for if you are offered a business loan without a BKR check.
Sole proprietorship or bv: the difference at the BKR
A self-employed professional (zzp) with a sole proprietorship applies for a business loan of € 15,000. Because he is personally liable, the lender registers the credit in his name with the BKR, and a mortgage lender will later see it. The same loan to his bv is not registered unless he co-signs or stands surety personally, which banks almost always ask for with small bvs. The threshold for registration is a credit amount above € 1,000; after repayment the entry remains for five years. If you are searching for a loan 'without BKR' because you want a mortgage, you will not solve that with a loan but with your legal form and the terms.
Recognising advance-fee fraud
After being turned down by the bank, a business owner responds to an advertisement: low interest, payout within 24 hours, no BKR check. The provider first asks for file or administration fees to be transferred, then an amount for a compulsory insurance policy or notary, and asks for a copy of a passport and bank card. After payment, new invoices follow or contact is broken off. Rabobank describes this pattern as loan fraud. A licensed lender offsets costs against the loan and never asks for payment upfront. If you have already paid, stop immediately, report it to the police and report identity details to the Centraal Meldpunt Identiteitsfraude (Dutch central identity fraud reporting centre).
Check the provider in three registers
First look up the provider in the Trade Register of the Chamber of Commerce (KvK): does the company exist, who is the director and when was it founded. Then check the AFM register, because anyone offering credit to consumers or sole proprietorships generally needs a licence, and consult the AFM warning list, on which foreign supervisors also report parties. The AFM has in the past explicitly warned about sites that charged fees upfront and never paid out. A provider that can only be reached via WhatsApp, uses a foreign account number or pressures you to decide today should not get through this check.
Legal alternatives without a bank
If the bank turns you down, there are providers that do check but accept more flexibly. Microcredit providers such as Qredits finance start-ups and small businesses up to around € 50,000 on the basis of a business plan and a conversation, with a BKR check but without the strict requirements of a major bank; ABN AMRO offers microcredit up to € 20,000. Revenue-based financiers lend on the basis of your card turnover or webshop sales and deduct a fixed percentage per transaction. That convenience costs money: converted to an annual interest rate, it is often far above bank interest. Always ask for the total amount to be repaid and convert it to an annual percentage before you sign.
Frequently asked questions
Questions about business loans without a BKR check.
Can I get a business loan without a BKR check as a self-employed professional (zzp)?
Rarely from licensed providers. Because a self-employed professional with a sole proprietorship is personally liable, business credit above € 1,000 is registered in your name and the lender consults the BKR. Revenue-based financiers and some platforms mainly look at your bank statements and turnover, but usually still check. A provider that says it checks nothing almost always asks for fees upfront; that is the signal to stop.
Can I get a business loan without annual accounts?
As a start-up you do not yet have annual accounts, and lenders know that. Microcredit providers then assess a business plan, a budget and your personal situation; revenue-based financiers ask for a few months of bank statements or card turnover. What they do not do is lend money without any information. A provider that does not want to see figures, a plan or statements cannot assess your ability to repay and is therefore unreliable or extremely expensive.
Can I still get a business loan with a negative BKR registration?
An arrears code makes it difficult, but not impossible. A bv without a personal guarantee is not checked against your registration, although banks almost always ask for a personal guarantee with small bvs. Microcredit providers look at the reason and whether the arrears have been cleared. First check your own registration with the BKR; you can have an incorrect or expired code removed, and that helps more than an expensive loan without a check.
Can you help me get a loan?
No. We hold a licence for non-life insurance and do not provide or arrange credit. For financing, we refer you to your bank, a microcredit provider or a financing adviser with the appropriate licence. What we do is insure your business risks, so that a fire, a liability claim or weeks of downtime do not force you into an expensive loan after all.
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 (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.