● HighReserve fund
Reserve fund negative around 2028
After the window frames and paintwork of 2028 (€385,416) the fund stands at around −€94,000. Contributions need to rise by at least 60%.
Ask for the current reserve balance, not the 2020 one.
The affordable alternative to a buying agent's VvE check
Yes, you can replace a buying agent's VvE check with a faster, cheaper AI analysis. A buying agent typically charges €1,500+ for the full process; ApartmentCheck checks specifically the VvE documents. You pay us directly, with no involvement from the selling party. Free result within a minute, quick scan for €49.
VvE reportSample · anonymised
VvE Voorbeeldhof · documents from 2019–2021
3. Maintenance & reserve fund
The VvE reserves €55,313 a year, while the MJOP asks for €87,424. 2023, 2028 and 2030 each bring peaks of €310,000 to €386,000. At the current rate the fund stands at around −€94,000 after 2028. On its current course the fund is not sufficient.
HighAn extra levy or a steep rise in service charges is almost unavoidable: easily several thousand euros per home.
From section 3 of the sample report
What's in your report
With many buying agents, the VvE check gets bundled into a process worth thousands of euros, alongside negotiation and viewings — when really you need just one thing: to know whether the VvE is financially and administratively healthy. We do only that, within a minute, for a fraction of the price.
Not a list of ticks, but findings with amounts, years and what to do about them. Three examples from the sample report:
◐ MediumMaintenance
Leaking steel drain pipes
Recurring leaks in kitchen floors. Preventive replacement is too expensive, so only local repairs are done.
Ask the seller whether the apartment has had a leak.
○ LowGovernance
Active board, good turnout
75% of votes at the last meeting, decisions almost unanimous. There is a call for new board members.
No action needed for your offer.
How it works
- Step 1:
Upload the documents
Everything the seller sent you, as PDF. No account needed.
- Step 2:
Free scan within a minute
Within a minute, your biggest risk highlighted: what it is, what it costs and the sentence in your own documents that says so.
- Step 3:
Report within 24 hours
Every finding with an amount, a timeline and advice. Ready for your offer or your notary.
What we check
VvE documents are full of hidden risks. We find them before you sign — while it still makes a difference.
Financial health
Low reserves, rising service charges, unexpected additional contributions.
Maintenance
Deferred maintenance, unrealistic budgets, postponed major works (window frames, roof, paintwork).
Governance
Conflicts, poor decision-making and recurring complaints in the minutes.
“I've bought several apartments with a VvE myself. The risks are almost always in the documents. Nobody really reads them.”
Joost Verberk, founder. Every report combines AI analysis with that buying experience. LinkedIn
Processed encrypted and used only for your scan and report. Your documents are deleted within 30 days of receiving your report.
| Buying agent | ApartmentCheck | |
|---|---|---|
| Price | €1,500 or more for the full process | From €49, full analysis €249 |
| Speed | Days to weeks, depending on scheduling | Free result within a minute |
| Scope | Guides the whole purchase (viewings, negotiation, VvE check) | Only the VvE documents — financial, maintenance and governance |
| Combining | Guides you from search to handing over the keys | Use it on its own, or next to your buying agent as an extra check |
What it costs
A buying agent easily charges €1,500 or more for the whole process.
Free scan
€0
Your biggest risk highlighted right away: what it is, what it costs and where it says so. Plus what's still missing.
Quick scan
€49
The red flags, and what they mean for your purchase.
Like the sample report
Full report
€249
Per document section, with euro estimates of future costs and concrete advice. Plus a 30-minute call with Joost (worth €149).
No deed of division?
at the Kadaster €19.85€9.95
The deed, the drawing and the latest amending deed, in your inbox within 1 working day.
Half the price of ordering it yourself · free with the full report
Not satisfied? Money back. You only pay after the free scan.
Questions
Why would I do this instead of hiring a buying agent?
A buying agent guides the entire purchase; we focus specifically and quickly on the VvE documents, for a fraction of the price.
Can I combine this with a buying agent?
Definitely. Many buyers use our check as a fast first screening, and only bring in an agent afterwards for negotiation.
Is this as thorough as a buying agent?
For VvE document analysis, yes; for negotiation and structural surveys, a specialist is still recommended.
How much cheaper is this than a buying agent?
A buying agent often costs €1,500 or more; our full analysis costs €249 — focused only on the VvE.
Fast, from €49 — instead of €1,500+.
A one-off levy of €2,500 per apartment. A reserve fund €388,000 short. You only find these if you read everything, and that is what we do. Within a minute you see your biggest risk for free, with the sentence from your own documents. No red flags? Then you know that too.
No documents from the seller yet?
Get the checklist as a PDF: which VvE documents to ask for and what to look for.