Retrofitting for owners' associations in Amsterdam · SVVE runs to 2030

Retrofitting your building, with the monthly cost per apartment shown

Roof, facade, glazing, ventilation and heating for apartment blocks. Work out the investment, the SVVE subsidy and the monthly cost per apartment in one minute — the only figure a general meeting really votes on.

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Cost per apartment per monthComplete subsidy file deliveredWe attend your general meetingFixed contract sum per measure

What will it cost, and what is left after the subsidy?

Four steps, about a minute. You see the figure before we know anything about you.

Which building is this about?

Type of building

Number of apartments

12 Number of apartments

Roof area (m²)

Facade area (m²)

Ground floor area (m²)

Glazing area (m²)

Solar panels (kWp)

We estimate these from the building type and the number of apartments. If you know the real figures, enter them.

Which measures are you considering?

Advice, supervision and financing

Advice and supervision

Energy advice and action report (BRL 9500-02) Mandatory for two or more measures. 75% of the invoice will be reimbursed. Sustainable multi-year maintenance plan The maintenance plan with the sustainability incorporated into it.

Process guidance (hour)

12 hour · independent, so never by us

Construction supervision (hour)

32 hour · Eligible up to 32 hours since 2026

Financing

Interest (%)

4,5% · customize this to your own quote

Term (years)

Aim for the Very Energy Efficient Package Strict envelope requirements, bonus per apartment. We check feasibility before you commit.

The result for your association

—

—Investment

—Subsidy (indicative)

—After subsidy

—Per apartment

—of which VAT

—Time on site

Breakdown

Measure	Unit	Indicative price	Subsidy (indicative)

Indicative price based on 2026 Amsterdam market rates and the 2026 SVVE tariffs. Subsidy amounts change annually; we verify them at rvo.nl when applying. After the survey the contract sum is fixed.

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SVVE, ISDE and the order that makes the difference

Four schemes, two different sequences and one rule that doubles the amount. Below you will find which applies when.

SVVE

For the VvE as a legal entity

The scheme for common parts: roof, façade, window frames, floor, collective installations. Applications can be submitted until 31 December 2030. For insulation and heat, please submit before the vve commissions; for research and advice right after delivery, once for all reports together.

ISDE

For the owner, within his own apartment

According to the deed of division, what is private can be requested by the owner himself — often his own glass or his own ventilation box. Here, the order is reversed: first execute and pay, then request, within 24 months.

Heat fund

If the reserve fund is not sufficient

As a legal entity, the VvE takes out a loan that is paid from the monthly contribution. Borrowing and receiving a subsidy for the same measure may be done side by side.

Municipality of Amsterdam

On top of the national schemes

There are also municipal pots that differ per year and per district and that are sometimes stackable and sometimes non-stackable. We check this per project instead of putting it in a quotation as collateral.

The combination rule

If the VvE implements one insulation measure, the basic rate applies per square meter. If it carries out two or more, that rate doubles — on both. That is why a roof project in Amsterdam is almost always combined with glass or façade planned and not loose. In the calculator above you will see the difference as soon as you take a second measure ticks.

The order of applying

The mistake that is made most often: the board first instructs for the roof and then submit the subsidy application. It's too late for insulation and heat. The application must be there before the assignment is given — exactly the opposite of the ISDE, where a private individual applies afterwards. You do ask for advice and research afterwards in one go for the whole building.

What you do, what we do

The process support is an independent role for each scheme and can therefore not be provided by the executive contractor. We work together with consultants with BRL 9500-02 who provide the energy advice and do the supervision, and remain on the executive side themselves. The board hears independent advice about the question of whether something needs to be done, and only then a price from us. What we do supply: the structural data for the report, the contract price per measure, the complete subsidy file with m², Rd and U values and implementation photos, and our presence at the GMM.

From first meeting to handover

Count on six to twelve months. The longest part is not the implementation but the decision-making — and we help with that, because we come to the meeting.

Introducing the board

An hour with the board or the administrator, on site. We walk up to the roof, look in the meter cupboard and in the crawl space, and honestly say what does and does not make sense. Free of charge and without a quote afterwards in the bus.

1 interview

Energy advice and DMJOP

An advisor with BRL 9500-02 draws up the energy advice — mandatory as soon as you take two or more measures. 75% of that invoice is returned via the scheme. We provide the structural data so that the report matches the reality on the roof.

3–5 weeks

Package of measures and cost estimate

We put two or three variants next to each other, each with investment, subsidy, remaining amount and the amount per apartment per month. The latter is the number on which an GMM actually votes.

2 weeks

SVVE request — before the assignment

For insulation and heat, the application is submitted before the vve commissions. That is exactly the opposite of the ISDE for private individuals, and it is the mistake that most homeowners' associations make. You can request advice and research afterwards, in one go for the entire building.

rVO DECISION

The GMM: decision and authorisation

We come to the meeting and explain it to the owners, not just the board. The decision and the authorisation of the board must be in the minutes — RVO checks this during the assessment.

1 evening

Execution with construction supervision

Permanent team, permanent contact person, weekly feedback to the board and a residents' letter before each phase that causes nuisance. Since 2026, 32 hours of professional construction supervision have been eligible.

4–16 weeks

Completion and file

Photos during execution, invoices with m², Rd and U values and reporting codes, the delivery file and the new energy label. Without this file, the subsidy will not come in, no matter how good the work is.

1 week

Next post from the MJOP

Together with you, we will put the following item from the maintenance plan on the agenda and report one year in advance. A VvE plants in years, not weeks.

on-going

Full price list

All amounts excluding VAT and per unit. The subsidy column shows the amount for one measure and — after the slash — at two or more, because then the rate doubles.

Measure	Unit	Indicative price	Subsidy per unit

VAT: insulation work on homes older than two years is subject to the work below 9%, the material remains 21%. Installation work is completely 21%. The calculator splits that correct and shows the VAT amount separately.

Us against the market

Not because the rest does a bad job, but because a vve needs other things than a private customer — and the market is rarely geared towards that.

	Us	The rest of the market
Present at the GMM	Standard, also in the evening	Rarely — the board must explain it themselves
Price per apartment per month	On the quote	Only a total amount for the entire building
Subsidy dossier	We deliver it completely	"That is arranged by the VvE itself"
Order of Requests	Before order for insulation and heat	Afterwards — and then it's too late
Resident communication	Letter per phase, NL and EN	A note in the porch
Work on stacked construction	Own ploughs, no subcontracting per m²	Personnel on loan per project
After delivery	MJOP agenda and recurring contact	End of project, end of contact

What we put in writing

Everything below is in the quotation, so that the treasury committee can check it before is voted on.

Fixed contract price per measure

Additional work only after written agreement of the board, with a price. No open items, no provisional items without upper limit.

Subsidy file completely delivered

Invoices with m², Rd and U values, reporting codes and execution photos. If something is missing in our file that causes the application to be rejected, we will correct it free of charge.

10-year warranty on roof and façade

On the roofing and façade insulation applied by us, transferable when selling an apartment.

Payment in instalments, never in advance

Deadlines linked to completed phases, not to the subsidy. The subsidy comes in later and that risk is not up to you.

Own liability and car coverage

Policy sheets are included in the quotation, so that the treasury committee can check it before voting.

Resident communication included

Residents' letter in Dutch and English before each phase, a fixed telephone number for residents and one point of contact for the board.

Amsterdam building types

What is possible in Amsterdam depends more on the year of construction than on the budget.

Canal house with apartment rights

Solid walls, monumental window frames, roof partly in use. Exterior insulation is almost always excluded here; the profit is in the hood, in the floor above the basement and in rear glazing.

Portico flat from the 1930s

Flat roof that needs to be replaced, no cavity, wooden floors. The roof is the logical starting point: it has to be done anyway and it immediately yields the combination rule.

Reconstruction apartment with gallery

Cavity present, so the cheapest measure is ready. The cold parapet under the window is the biggest leak here — the insulating window panels have existed since 2026.

High-rise with collective boiler

Here, the boiler room is the real project: a collective heat pump or a heat connection changes the energy bill of each apartment at the same time.

Mixed Owners' Association with rental apartments

Corporation or investor agrees. The SVVE applies to the collective work; the landlord has a separate arrangement for their own apartments. We split that in the quotation so that both tracks are correct.

Small Owners' Association of two to eight owners

No manager, no significant reserve fund, everyone knows each other. The main thing here is that the amount per apartment per month is manageable and that one party arranges everything.

Work we have done

Six projects in which something different was always the bottleneck.

Portico apartment Rivierenbuurt, 14 apartments

Flat roof replaced and insulated, HR++ glass in the facade. Two measures, so the doubled rate. Lead time seven weeks, residents continued to live.

Residential building Bos en Lommer, 24 apartments

Cavity wall insulation, roof insulation and decentralised ventilation with heat recovery. The cavity was first inspected for debris and penetrating moisture; two façade surfaces fell off as a result.

Canal house Centrum, 6 apartments

Hood insulation from the inside and rear glazing behind the monumental window frames. Exterior insulation was excluded here; the label went up two steps anyway.

Gallery flat Nieuw-West, 32 apartments

Insulating frame panels in the parapets, roof insulation and preparation for a collective heat pump. The panels here were the coldest surface of the entire façade.

Kleine VvE De Pijp, 4 apartments

Roof, floor above the basement and glass in one operation. Without a manager, so we also took care of the documents for the meeting.

Mixed Owners Association North, 18 apartments

Corporation owned eight apartments. Collective work via the SVVE, the rental apartments via the landlord's own scheme, split into one offer.

What else we do for a vve

Own teams, so for a combined project there is no need for a different party per field on the jetty.

Insulation

Floor, cavity, facade, roof and attic — also for private owners.

Electricity and group cabinet

Meter cabinets, charging stations and NEN 1010 inspection in stacked construction.

Plumbing

Standpipes, rainwater drainage and collective installations.

Stucco and painting

Porches, stairwells and façade finishing after insulation.

Flooring and sound insulation

The 10 dB requirement from the deed of division, with measurement report.

Complete home renovation

For owners who tackle their own apartment.

Where we work

Amsterdam and the municipalities around it. Outside this area, we only work with larger complexes.

CentreCanal beltThe PipeSouth-EastRiver neighborhoodEastIndian NeighborhoodWatergraafsmeerWestForest and LommerWestern ParkNorth

Frequently asked questions

The questions that come back to almost every meeting.

What exactly is the SVVE?

The Sustainability Subsidy Scheme for Owners' Associations, implemented by RVO. It is for a VvE what the ISDE is for a private homeowner. The scheme runs until 31 December 2030 and has three tracks: research and advice, process support, and the sustainability measures themselves. The VvE applies as a legal entity, not the individual owner.

When should the application be submitted?

That varies per track, and this is where things most often go wrong. For insulation and heat, submit the application before the VvE commissions — exactly the opposite to THE ISDE, where a private individual applies afterwards. For research and advice, you apply after delivery, once for all reports together from the same building. If you first order the roof and then submit it, the subsidy for that measure is gone.

Approximately how much subsidy does our vve receive?

Fixed amounts per square metre apply to insulation, which roughly amount to 25 to 30 percent of the investment.The most important thing is the combination rule: if you implement two or more insulation measures,

What has changed in the SVVE in 2026?

Four things that make up an Amsterdam vve. The maximum amount per vve has expired, there is about 25 million euros extra budget, the number of eligible hours of construction supervision has doubled from 16 to 32, and the list of measures has been expanded with insulating window panels without glass and with decentralized balance ventilation with 80 percent heat recovery. In addition, there is new process money for solar power projects. Rates change annually: we check them with every request on RVO.nl.

Who can apply for the subsidy?

The vve as a legal entity, via an authorised representative: the board itself or the manager. There must be at least one buying apartment whose owner also lives there and is registered at that address. The applicant needs eHerkenning, or an authorisation via the administrator. And the GMM decision with the authorization to the board must be in the minutes — RVO checks that.

Can individual owners also apply themselves?

Sometimes it does. The distinction lies in the deed of division: what is common (roof, façade, foundation, usually the window frames) runs via the vve and the SVVE; what is private within the apartment can be requested by the owner himself via the ISDE. Let us find out in advance, because a double application on the same square meters will be rejected and can delay the entire file.

How much does it cost per apartment per month?

That is the only number on which an GMM actually votes, and that is why it is always on the quotation with us. With an average pre-war residential building with twelve apartments, a roof and glass package after subsidy usually comes to between 30 and 70 euros per apartment per month, financed over fifteen years. This is offset by a lower energy bill, plus a higher energy label that counts towards sales. In the calculator, you adjust the interest rate and maturity yourself.

How does a vve finance this if the reserve fund is too small?

Three roads, often combined. From the reserve fund for the part that is already there, a one-off extra contribution per apartment, or a loan through the Heat Fund that the VvE takes out as a legal entity e

How long does the process take from initial interview to implementation?

Count on six to twelve months. The energy advice takes three to five weeks, the decision-making process runs along a GMM that usually meets once or twice a year, and the subsidy application has a decision period. The execution itself is the fastest part: four to sixteen weeks, depending on the scope. Those who start in the autumn usually work in the second quarter thereafter.

Can you also do the process guidance?

No, and that is conscious. The scheme requires an independent party for process guidance, and that party cannot be the executing contractor at the same time. We work together with consultants who do this and remain on the executive side ourselves. That is not just regulation: a board should receive independent advice on whether it should happen, and only then a price from us.

Our building is a monument or stands in a protected cityscape.

Then exterior façade insulation almost always lapses and it becomes customised: insulation on the inside, insulation of the hood, rear glazing or monument glass in the existing window frame, and the floor above the basement. The scheme has had more flexible conditions for monuments since 2026. On the municipal side, it runs through the Monuments and Archaeology department and the policy framework that applies to it — count on additional lead time, not impossibility.

What if the GMM is divided?

That's the rule, not the exception. What helps: two or three variants side by side instead of one plan, the amount per apartment per month instead of the total construction sum, and a presentation that addresses the objections of the owner who wants to move in five years and of the owner who lives on an AOW pension. We come to the meeting for this. Ultimately, the GMM votes, not the contractor.

How much inconvenience does this cause for the residents?

Roofing is mainly noticeable by sound above the upper apartment, two to six weeks. Scaffolding for the façade means reduced light and the advice to keep windows closed; count on six to twelve weeks. Replacing glass is one day per apartment with someone at home. Work in the crawl space is hardly noticeable. A residents' letter is issued in advance for each phase, in Dutch and English.

Does ventilation also need to be carried out after insulation?

Yes, and that's not a side issue. A building that is closed without the ventilation going along gives moisture and mould in the coldest place within two winters — usually the north facade of the upper floor. Decentralised balance ventilation with 80 percent heat recovery has therefore been included in the scheme since 2026. We include that item in the estimate by default and only leave it out if the existing ventilation is demonstrably sufficient.

Do you also work with our administrator?

Yes, and usually it goes like this. The manager knows the building, the MJOP and the financial space; we provide the technical substantiation and implementation. We do not take anything out of the administrator's hands that he wants to do himself, and keep him informed in one weekly feedback instead of in separate calls.

What happens when the subsidy budget runs out?

Then the project moves on to the next calendar year, because the scheme runs until 2030. For this reason, we never put the subsidy away in the quotation as security but as a condition, and we link the payment terms to completed phases and not to the payment by RVO. In this way, the VvE does not run a cash risk on something that no one has influence over.

What is the ZEP and is it interesting for us?

The Very Energy Efficient Package is a tougher route with strict requirements for the entire shell, which is offset by a bonus per apartment plus a higher fee for construction supervision. For a larger complex that already needs a roof, façade and glass, this can be decisive. For a small building with a monumental façade, it is usually technically unfeasible — for this there is an equivalence route via a BRL 9500-02 advisor. We calculate it before you strive for it.

How much does the first interview cost?

Nothing. An hour on the spot with the board or the manager, including a look at the roof, in the meter cupboard and in the crawl space, and an honest judgment about what makes and doesn't make sense. This does not result in a quotation unless you request it.

A no-obligation meeting with your board

An hour on site, roof, meter cupboard and crawl space included. No quote unless you ask for one.

What you get from us: an honest assessment of what does and does not make sense in your building, the order in which it is wise, and an indication of the amount per apartment per month. What we ask of you: the deed of division and, if there is one, the multi-year maintenance plan.

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Address of the building

Where does the association stand now?

Yes, you may call or message me about this request.

How much does this cost per apartment?

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Overall Rating

5.0 9 reviews

Review Us

Anuvind Kanwal

10/29/2026

We had a lot of renovation work done by Top Renovatie Amsterdam, including painting walls and ceilings, installing PVC flooring and new baseboards, repairing windows, renovating the stairs, working on the shed and fence, and several electrical and finishing jobs.

The scope of work was extensive, with many different tasks to coordinate, and we appreciate the effort that went into getting everything done.

The team also helped with additional work that came up along the way, which made the renovation process more convenient.

Overall, we are happy with the experience and appreciate their willingness to take on a wide variety of jobs around the house.

If you’re looking for a renovation company in the Netherlands for multiple home improvement projects, we would recommend giving Top Renovatie Amsterdam a try.

bharat krishnamurthy

6/25/2026

I had to take down the entire old kitchen and build a new one. Alex and his men were so efficient and did a quality work and that too in very short span. I highly recommend Alex for professional work

Marek Jednaszewski

3/28/2026

Alex’s team did a complete renovation of our bathroom, and they did an amazing job. They executed our vision perfectly, staying true to the plan and design while also offering helpful suggestions along the way.

Their attention to detail was excellent, and the quality of the work really shows. The service was professional, efficient, and great value for money.

I highly recommend TopRenovatie to anyone looking for reliable and high-quality renovation work.

Lennard Buitenkamp

2/17/2026

Wij hebben TopRenovatie ingeschakeld voor de verbouwing van ons huis dat wij recent hadden gekocht en wij zijn ontzettend tevreden over TopRenovatie. Zij hebben ons huis volledig verbouwd en het eindresultaat is echt boven verwachting.

Wat ons ook opviel is hoe snel en netjes er werd gewerkt. Er kon op korte termijn een afspraak worden gemaakt en een planning worden opgesteld. De planning werd strak aangehouden en afspraken werden altijd nagekomen. Daarnaast was de communicatie erg prettig, ze reageren snel op berichten, denken mee in oplossingen en houden je goed op de hoogte van de voortgang.

Er werd bovendien schoon en georganiseerd gewerkt, wat tijdens een verbouwing echt een groot pluspunt is. Wij konden merken dat klantgerichtheid en service bij hen voorop staan.

Ook na oplevering blijven ze betrokken. Kleine punten of afwerkingen die later nog aandacht nodig hadden, werden zonder problemen en snel opgepakt. Ze zijn altijd bereid om mee te denken en dingen netjes te herstellen. Dat geeft veel vertrouwen en laat zien dat klanttevredenheid voor hen echt belangrijk is.

Wij raden TopRenovatie dan ook van harte aan aan iedereen die een betrouwbare partij zoekt voor een verbouwing.

Alena Shevchenko

2/08/2026

I recently renovated my bathroom with TopRenovatie and I’m very happy with the result. The team was professional, reliable, and detail-oriented from start to finish. The workmanship is excellent, everything was done neatly and on time, and the final look is modern and high-quality — exactly what I wanted. Team spoke Russian and Ukrainian language which was very helpful during the process.

Highly recommended for anyone looking for a trustworthy renovation company. Thank you TopRenovatie for the beautiful transformation of my bathroom.

Miles Yucht

2/01/2026

Alex and his team completed a total renovation of our 30s house in Duivendrecht during the second half of 2025. Aside from the floors, kitchen and some built-in cabinets and furniture, his team handled the entire renovation.

Communication. Alex was very responsive, often getting back to my texts within 10 minutes. He came to the site quite often, at least twice per week, to explain what was happening that week and ask for my input. On the few occasions that something wasn’t done the way we wanted, he accepted the feedback with grace, passed it on to his workers, and it was promptly corrected. Probably the biggest challenge we had was that the workers themselves were not all proficient in English, so we needed to use translation tools, but we were generally able to communicate with one another.

Quality. Overall we were greatly pleased with the quality of the work. Alex and his team clearly have very high standards. This is all the more impressive given the speed at which the guys work. We were especially impressed by the result of our master bathroom, with floor and wall tiling, beton cire, and intricate lighting effects. I was also satisfied with their ability to adapt and make changes where needed.

Price. I felt like the price was fair, given just how extensive the renovation was. It was considerably higher than what Alex initially quoted, but the scope of work also grew significantly in the course of the project. Alex periodically provided invoices detailing the work that had been done and the work remaining, so it wasn’t a shock as the price tag grew over the course of the project.

Overall, I would strongly recommend Alex and TopRenovatie for any project in your home, and I look forward to working with them again in the future.

Adam Craven

1/27/2026

We recently had the team complete some work On our apartment last week, and we are very happy with the work.

The workers were great, quick, professional and attention to detail!

The work was true to the original quote, and we’re so happy with the results!

Would highly recommend

Madhura Surve

8/19/2025

We recently engaged Alex from Top Renovatie for a renovation project at our home, and the results were outstanding. From the outset, he demonstrated a high level of professionalism, excellent communication, and a clear commitment to quality. He carefully listened to our requirements, offered practical suggestions, and ensured that we were well-informed throughout every stage of the project.

The workmanship was exceptional, with great attention to detail and a standard of finish that exceeded my expectations. It is evident that Alex holds himself and his team to very high standards. His team were equally impressive — courteous, respectful, and accommodating, making the process smooth and stress-free.

The project was completed on schedule with no compromises on quality. We was particularly impressed with the level of organization, transparency, and accountability displayed throughout the renovation. Alex himself came and checked the progress every two days which guaranteed satisfaction.

We highly recommend Alex and his team to anyone seeking professional, reliable, and high-quality renovation services. They deliver not only excellent results but also a seamless client experience.

Anna Tsaregorodtseva

12/10/2024

Wij hebben al meerdere keren om hulp gevraagd bij kleine verbouwingen aan de woning. Het is altijd snel en van hoge kwaliteit. De werknemers zijn erg vriendelijk. Na renovatie blijft het schoon. Bedankt voor je professionaliteit!