Waarde Voorje Geld - Risk and return review
Waarde Voorje Geld - Returns and loss rates
Investment maturity
Waarde Voorje Geld – Platform statistics 2026
5156
investors
Waarde Voorje Geld – Pros & Cons
About Waarde Voorje Geld
What it is
Waardevoorjegeld (one word; often written Waarde voor je geld) is a Dutch crowdlending platform from Ridderkerk, set up in 2016 and lending since 2017. Private investors lend to Dutch small and medium-sized businesses, and in a separate, lower-yield stream to charitable organisations such as churches. Its statistics page shows €168.8 million financed, of which €57.4 million in finished loans; the home page shows €181.0 million invested by 5,156 investors (October 2026). The site is in Dutch only.
How it works
You pick projects yourself; there is no auto-invest. The minimum is €500 per project. Loans run from about a year to five years, at most seven, and interest and repayments come in every month. New projects are scarce and often fill quickly. Before your first investment you take a knowledge test and a loss simulation, and after each commitment you have four days to change your mind free of charge. The platform advises keeping crowdfunding below 10% of your free capital.
Returns
The platform publishes a yield build-up for its business loans: 8.33% a year gross, minus 0.30% for defaults and 1.06% of interest kept back as fees, leaves 6.98% net (statistics page, read 27 October 2026; it carries no reference date). Charity loans yield 5.01% gross and 4.43% net. This is a calculation over the loan book, not a measured cash return. The default deduction has moved without explanation: 0.96% in August 2026, 0.19% on 24 October and 0.30% on 27 October, which is why the net figure moved from 6.23% to 7.08% and then to 6.98%. The home page advertises 7% to 8%; business loans open in October 2026 paid 8.5% and 8.55%.
Losses and defaults
Under the EU crowdfunding rules the platform publishes a yearly default table. A project counts as defaulted when a payment is more than 30 days late, which is stricter than most platforms. One project defaulted in 2024 (1 of 31, 3.23%); none in 2023 (0 of 8) or 2025 (0 of 77). Over 36 months the cumulative default rate is 1.08%, against an expected 0.5%. The figures count projects, not euros. The table's project counts differ from the version shown in August 2026 (then 62 projects for 2023, now 8), and the platform does not say what happened to the 2024 default. No write-off or recovery figures are published.
What secures your money
Business loans are usually secured by a mortgage on property, often a first mortgage, and/or by pledges on machinery, vehicles and stock, frequently with a personal guarantee from the owner. The security is held by a separate foundation, Stichting Zekerheden Waardevoorjegeld, so it stays in place if the platform itself fails; two of the foundation's four board members are the platform's founders. Loans are scored into four risk classes. There is no buyback, provision fund or insurance, and the platform publishes no loan-to-value figures and no recovery results. In plain words: property usually stands behind the loan, but how much of it would come back in a default has not been shown.
Who runs it and its licence
Waardevoorjegeld B.V. (KvK 65918290, Ridderkerk) holds a crowdfunding service provider licence from the Dutch regulator AFM (number 32000013, granted 2 November 2023), with permission to serve investors in Belgium, France and Luxembourg and to run a bulletin board. Before that it worked under an AFM exemption from 2016. No regulator action against it was found. Its accounts are not published on the site. A sister company runs a property fund that is outside the AFM licence and not covered by this description.
Fees
Investors pay a management fee of 0.1% a month of the amount invested, about 1.2% a year, taken from each monthly payment; on charity projects it is usually 0.05% a month. There are no entry, deposit or withdrawal fees. Selling on the bulletin board costs 1.5% of the remaining amount, at least €39.50.
Getting your money out
Money comes back monthly as borrowers repay. To leave early you can offer a whole investment on the platform's bulletin board, at face value only, for up to 30 days; partial sales are not possible and a buyer is not guaranteed. On a €500 investment the €39.50 minimum fee is about 8%.
Our view
Return: Medium — business loans yield 8.33% a year gross by the platform's own calculation. Risk: Low (higher means more risk) — one project in three years has gone more than 30 days late, a cumulative 1.08%, which on its own gives the lowest level, Very Low; we set it one step higher, at Low, because the statistics are undated, have been revised without explanation, and give no write-off or recovery results. Loans are usually secured on property. Risk-return: Medium — after fees and the platform's default deduction, business loans net 6.98%.
Regulation
License / Regulation: Waardevoorjegeld B.V. (KvK 65918290, the Netherlands) holds a crowdfunding service provider licence under Regulation (EU) 2020/1503 from the Dutch Authority for the Financial Markets (AFM), number 32000013, granted 2 November 2023, passported to Belgium, France and Luxembourg. Ancillary services: credit scoring and a bulletin board. Its property fund run by a sister company is outside this licence. No deposit guarantee applies.
Functionality
For Investors
Useful Information
Yes. Waardevoorjegeld B.V. holds a crowdfunding service provider licence from the Dutch regulator AFM (number 32000013, since 2 November 2023). The sister company's property fund is not covered by that licence. No deposit guarantee applies to your investments.
Payments run through Online Payment Platform B.V., a payment institution supervised by De Nederlandsche Bank, with money held in escrow and through the platform's client-money foundation, separate from its own funds. Once lent, your money is a loan to the business.
€500 per project. The average investment is about €6,200.
Business loans yield 8.33% gross and 6.98% after fees and the platform's default deduction (October 2026); charity loans 5.01% gross. One project defaulted in 2024 and none in 2023 or 2025, a cumulative 1.08% over 36 months. No write-offs or recoveries are published.
Business loans are usually secured by a mortgage on property and/or pledges on equipment and stock, often with a personal guarantee, held by a separate security foundation. There is no buyback or provision fund, and no loan-to-value or recovery figures are published.
Only by offering a whole investment on the bulletin board, at face value, for up to 30 days, at a fee of 1.5% (at least €39.50). A buyer is not guaranteed. Otherwise you wait for monthly repayments until the loan ends.
A management fee of 0.1% a month (about 1.2% a year) of your invested amount, usually 0.05% a month on charity projects, taken from each payment. No entry or withdrawal fees; 1.5% (at least €39.50) to sell on the bulletin board.
If a borrower fails, the security foundation can enforce the mortgage or pledges for investors. If the platform fails, the security stays with that foundation and client money is held apart. There is no deposit guarantee or compensation scheme.
The platform changed the amount it deducts for defaults: 0.96% in August 2026, 0.19% on 24 October and 0.30% on 27 October. The gross yield barely moved (8.21% to 8.33%). No explanation or write-off data was given.
