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Asperion

“Can a compliance-certified, PSD2-licensed Dutch accounting SaaS keep winning ZZP/MKB and accountancy firms by owning bank connections and payment reconciliation end-to-end?”

Founded2004
HQNaarden, North Holland, Netherlands
IndustryHorizontal SaaS / Accounting
The story

Asperion is a Dutch cloud-based accounting SaaS founded in 2004 in Naarden, targeting ZZP (freelancers), MKB (SMBs), DGA (director-shareholders) and accountancy/administration offices. Its embedded finance surface area is narrow but deliberate: it holds its own PSD2 AISP license from DNB for direct bank connections and layers a Ponto-based aggregator for pan-European coverage, and it integrates with Dutch PSPs (Mollie, Cardgate) to reconcile received payments back into the ledger. The company remains a small independent (~13 employees) rather than a venture-scale platform.

Last 12 months
—
Product timeline
0
Received PSD2 AISP license from De Nederlandsche Bank, enabling direct bank-account information services.· banking
2004
Asperion founded as Dutch SaaS online accounting provider for ZZP, MKB, and accountancy firms.· pivot
2014
First annual ISAE 3402 Type II assurance audit completed; recurring annually since.· compliance
2018
GDPR/AVG compliance framework and processor agreements published.· compliance
Regulated entities
1
regulatory licence held by Asperion
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
3 layers disclosed in Asperion’s embedded-finance stack
Payments / PSP
MollieCardgate
Open banking
in the full report
Accounting
in the full report
Accounting gap: none
11 more providers across 2 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.