● 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.
Get your maintenance plan and reserve fund reviewed
Yes, you can have a VvE's maintenance plan and reserve fund reviewed without hiring a building surveyor. ApartmentCheck reads the long-term maintenance plan and annual accounts with AI and shows you within a minute, for free, whether the reserve fund is adequate and which peak years could trigger a special levy. A quick scan costs €49; the full analysis with euro estimates of future costs costs €249.
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
A low reserve fund rarely shows up in the asking price — but it shows up in your wallet the moment the roof, window frames or lift need replacing. A maintenance plan priced at five-year-old rates often understates real costs by tens of percent. In concrete terms: a reserve fund that's too low can mean a special levy of thousands of euros per apartment around the peak maintenance years. We do the math for you.
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.
Reserve fund too low
We check whether the reserve fund is adequate for the planned maintenance, not just whether there's 'something' in the account.
Maintenance peak years
Major works (roof, window frames, lift) often cluster in the same years — with a big impact on the fund.
Outdated pricing & levy risk
A maintenance plan priced at years-old rates understates the real cost. We flag a real chance of a special levy.
“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.
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
How do I know if the reserve fund is adequate?
We compare the current reserves against the planned maintenance in the MJOP and the annual contribution.
What are peak years and why do they matter?
Peak years are when several major maintenance items coincide — often the trigger for a one-off special levy.
The maintenance plan is a few years old — is that a problem?
It can be. Construction costs rise; outdated pricing often paints too rosy a picture of the reserves.
What if no maintenance plan is available?
That's a signal in itself. We flag what's missing and what it means for the risk of unexpected costs.
Know if the reserve fund is enough — before you sign.
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.