● 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 VvE documents checked before you sign
Yes, you can have your VvE documents reviewed without an expensive buying agent. ApartmentCheck analyses your deed of division (splitsingsakte), long-term maintenance plan (MJOP), minutes and annual accounts with AI, and shows you within a minute, for free, where the risks are. A quick scan with the main red flags and what they mean for your purchase costs €49.
VvE reportSample · anonymised
VvE Voorbeeldhof · documents from 2019–2021
4. Governance & meeting minutes
The board is active and attendance is good: 74.8% of the votes. But the minutes show heavy maintenance: exterior paintwork of €222,955 and window frames where the fourth floor alone costs €230,000. The meeting still has to decide on the replacement.
HighCheck whether the reserve fund covers this, or an extra levy or a loan is looming.
From section 4 of the sample report
What's in your report
When you buy an apartment you don't just buy the home — you join a VvE (the owners' association), including its debts, deferred maintenance and upcoming levies. One hidden risk, like an underfunded reserve or a planned one-off contribution, can cost you tens of thousands. That information sits in the documents the seller hands you: often hundreds of pages of legal and financial text almost nobody can interpret alone. We do it 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.
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.
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
Which documents do I need?
The deed of division, recent minutes, the MJOP and the annual accounts together give the best picture. The more complete the set, the sharper the analysis.
How long does it take?
Your first free result appears within a minute.
Does this replace a buying agent or lawyer?
No. It's a fast, affordable first risk check. For serious doubts we recommend professional advice.
Is my data safe?
Yes. Your documents are processed encrypted and used only to create your scan and report. We delete the documents you uploaded 30 days after the report is delivered.
Know what you're buying — 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.