Fintech Accounting & Tax Services in the Netherlands

Our Dutch fintech accounting services are designed for companies across this innovative sector:

• Payment Service Providers: Companies providing payment solutions across the EU that need flawless reconciliation and compliance with the Payment Services Directive (PSD2).
• Crowdfunding & Lending Platforms: Businesses that must adhere to strict AFM regulations on consumer credit and investment offerings.
• Digital Wealth & Asset Management: Robo-advisors and investment platforms operating under MiFID II that must comply with strict rules on client asset segregation and reporting.
• Crypto & Digital Asset Companies: Exchanges and custodians registered with DNB that need to comply with AMLD5 obligations and navigate the complex tax treatment of digital assets.

Specialized fintech accounting is non-negotiable from the moment you decide to pursue a regulated financial activity. It becomes critical at these stages:

• During DNB or AFM License Application: Your application must include detailed financial projections and a comprehensive compliance framework, which are prepared by financial experts.
• When Handling Client Funds: The moment you control client assets, you fall under strict regulations that require daily reconciliation and reporting to prove solvency and proper handling of funds.
• Before Your First Financial Audit: Annual audits are mandatory for most regulated fintechs. Preparing for this requires an audit-proof set of accounts from day one.
• During a Fundraising Round: European VCs conduct exceptionally deep due diligence on regulatory compliance, financial controls, and your business model's viability. Weaknesses here will instantly terminate a deal.

The cost of fintech accounting reflects the high level of expertise, risk management, and regulatory engagement required.

• Early-Stage Fintech (Pre-licensing): €3,000 - €7,000 per month. This covers building financial models for the regulatory application and setting up the compliant chart of accounts.
• Licensed Growth-Stage Fintech: €7,000 - €15,000+ per month. This involves a dedicated team for daily reconciliations, regulatory reporting to DNB/AFM, and ongoing audit liaison.
• Virtual CFO for Fintech: Often integrated into higher-tier services, providing strategic guidance on regulatory capital, treasury management, and relationships with partner banks.

In the Dutch fintech sector, compliance failures are existential threats.

• Regulatory Enforcement: DNB or the AFM can impose huge fines, restrict business activities, or revoke a license entirely for breaches of financial regulations.
• Client Money Breaches: Failure to properly segregate and protect client funds is one of the most serious offenses and can lead to immediate suspension and legal action.
• AML Failures: Weak Anti-Money Laundering and KYC controls can result in severe penalties under European AML directives.
• Failed Audits: A qualified audit opinion can trigger a regulatory investigation and destroy the trust of investors, banking partners, and customers.

Building an in-house finance team with deep expertise in Dutch and EU financial regulations is a massive annual investment. Finding talent with the rare combination of skills in Dutch GAAP, DNB/AFM rules, and technology is incredibly difficult and expensive.

Outsourcing to YourLegal's fintech finance partners provides immediate access to a team that understands the Dutch regulatory landscape. We provide institutional-grade controls, policies, and reporting frameworks that regulators and "Big Four" audit firms expect. We don't just "do the books"; we build and manage the entire compliant financial infrastructure for your business. For a fintech startup in the Netherlands, this isn't a cost-saving measure—it's the only viable path to launching and scaling a regulated business successfully in the heart of Europe.