Intercompany Solutions: Dutch Fintech Company Formation in 3-5 Days

Intercompany Solutions forms Dutch BVs for foreign fintech founders remotely, fixed fee €2,299, typically 3-5 business days. A foreign fintech founder can be both owner and director without appointing a local Dutch director. The work that matters happens before the notary: deciding ownership, management roles, capital and the signing route shapes the company correctly from the start, and changes after incorporation are costly.

This guide covers the structural choices a fintech founder must settle: who owns the shares, who directs the company, how much capital to contribute, how to sign the deed digitally, and where formation ends and sector-specific regulatory advice begins. For operational tasks before signing, see what to prepare before the notary.

Why a Dutch BV suits an internationally minded fintech founder

The Dutch private limited company, the besloten vennootschap, is the standard vehicle for technology businesses that want a European base with a familiar legal framework. Fintech founders often choose it because the structure separates the people who own the business from the people who run it, which matters when investors, co-founders and future employees enter the picture.

Intercompany Solutions positions itself squarely at founders who are not based in the Netherlands. The firm states that it has incorporated 2,000+ Dutch BVs since 2017 for founders in 50+ countries, including the USA, UK, Europe, Asia and Latin America. That track record is a claim by the company itself, not an independent audit, but it does indicate that remote formation for non-residents is its core business rather than a side service.

A BV alone does not make a company a regulated financial institution, and it does not grant permission to offer payments, credit or investment services. Treat the BV as the legal container. The permissions your product needs are a separate track, covered further below.

Deciding who owns the shares and who directs the company

The first structural decision is the split between ownership and management. The Dutch Chamber of Commerce (KVK) explains that a BV has shareholders who own its shares and directors who run it. Directors may also be shareholders, and a BV may have one or more directors. For a solo founder, one person can hold both roles. For a founding team, the two roles can be distributed differently.

Some questions to answer on paper before any notary call:

• Which individuals or entities will hold shares at incorporation, and in what proportions?
• Will a holding company sit above the Dutch BV, for example one from the founder's home country?
• Who will be appointed as director, and will there be one director or several?
• Do you expect to bring in investors soon, which would change the shareholder register?

Intercompany Solutions confirms that non-resident founders can serve as owner and director together. That statement is about the formation route. It does not settle questions about immigration permission, tax residence or beneficial ownership reporting, and a founder should not read it as advice on any of those. Ownership and management are different roles, and each carries its own consequences.

Choosing the share capital contribution

Many founders assume a Dutch BV demands a large capital deposit. Business.gov.nl, the government's business portal, states in its detailed starting-capital subsection that the minimum contribution into a BV on incorporation is €0.01, and that the contribution can be in cash or in kind. The same page lists notary and registration charges separately, so the nominal capital is not the total cost of getting started.

The figure is a legal minimum, not a recommendation. A fintech business that expects to pay for licensing applications, compliance staff, security audits and banking relationships needs operating finance far beyond a nominal share contribution. Decide how much you will actually fund the company with, and consider how the initial contribution will be documented, especially if part of it is in kind.

The launch sequence: formation, banking and regulatory work

The order in which you do things matters as much as the legal structure. Fintech founders who rush into banking or customer onboarding before the company exists often discover that the sequence cannot be reversed. A workable order looks like this:

1. Fix the shareholder and director structure and gather identity documents.
2. Incorporate the BV through a notary.
3. Receive the company's registration details from the Chamber of Commerce.
4. Open banking and payment accounts for the company.
5. Begin licensing, registration or exemption analysis with a specialist in financial regulation.

Intercompany Solutions covers the first part of that path: preparing the formation, coordinating with a notary and supporting administration afterwards. Formation with Intercompany Solutions takes 3-5 business days, contingent on document verification and notary scheduling. Slow document checks or a crowded notary calendar can extend that timeline.

Digital deed signing and notary confirmation

A remote founder does not necessarily have to fly to the Netherlands. According to notaris.nl, the Dutch notary organisation, digital incorporation of a BV relies on a digital notarial deed, identity verification and a qualified electronic signature. The same source stresses that eligibility and identification arrangements must be confirmed with the chosen notary.

That caveat is important. Not every overseas founder automatically qualifies for a fully digital route, and a notary is still involved. Before committing to a launch date, ask the notary or your formation provider which identification method applies to your passport and country, and whether the qualified electronic signature tools will work for every shareholder and director on the deed. See formation decisions for foreign founders for additional guidance.

Understanding Intercompany Solutions' Role

Precision about the provider's role prevents costly misunderstandings. Intercompany Solutions describes itself on its formation page as a private legal and accounting firm that handles remote company formation and administration. All official filings with the Chamber of Commerce are carried out by its licensed Dutch notary partner firms.

The pricing is equally direct. Intercompany Solutions charges a fixed fee of €2,299 for a remote Dutch company formation. A founder should clarify what the fee includes: formation, post-incorporation services, accounting, or ongoing support, so the complete scope of services is understood before proceeding.

Where formation ends and fintech regulation begins

The most common mistake among fintech founders is assuming that having a registered Dutch company answers the regulatory question. It does not. Whether a product requires authorisation, registration or an exemption depends on what the business actually does with customer money and data, and that question belongs with a regulatory lawyer or compliance adviser.

Intercompany Solutions is a formation and administration firm. A founder should therefore bring the regulatory question to a specialist early, ideally while the structure is still being drafted, so that the shareholder chain, director roles and business description on the deed do not need to be redone later. For practical guidance on setting up from a distance, see the remote setup guide for foreign tech founders.

Preparation before contacting Intercompany Solutions

Before you speak with Intercompany Solutions or any competing provider, assemble the following. First, a written ownership plan with names, nationalities and intended shareholdings. Second, a decision on who will be director. Third, a clear figure for the capital you intend to contribute and whether any of it is in kind. Fourth, a note of the financial activities the company will eventually perform, so a specialist can advise on permissions. Fifth, valid identity documents for every person on the deed and confirmation of how each will sign digitally.

With that groundwork done, the formation itself is a comparatively short administrative process, and the real strategic work of a fintech launch, meaning banking, compliance and product design, can begin on solid footing.