Author: k s

An intern learns the ropes at a Termination Experts’ coding company. A year later, he’s running his own scam – until Dutch authorities shut it down.

Let’s unpack…

What is CVneed.com?

CVneed.com presented itself as a online tool to create a CV. However…

‘ACM received hundreds of complaints about Cvneed. Consumers complained in particular that it was not clear that they, when creating a cv, were stuck with a subscription of 35 euros per month.’

https://www.acm.nl/en/publications/after-stream-complaints-and-action-acm-website-cvneed-has-stopped-accepting-new-customers

Sounds familiar? It should.

Who Owns CVNeed.com?

Here’s where things get interesting. The site was operated by ‘entrepreneur’ Nathaniël Sijmen de Waal (’04), who owned Cvneed B.V. through his shell company NS Holding B.V.

But Nathaniël wasn’t alone. The certificate of incorporation (above) shows that someone backed the venture financially: Milky Way Investments B.V. And who’s behind Milky Way?

A trio of familiar names:

• Florian Holding B.V – > Yves Deen (’99)
• Jesse Verduijn B.V. -> Jesse Verduijn (’98)
• W.M. Paalman Holding B.V -> Wouter Paalman (’93)

Known from their most infamous website: TerminationExperts.com.

All of this is public information, which you can find on the Dutch Company House website: https://www.kvk.nl/. Useful info can be found in the annual accounts (Dutch: Jaarrekeningen) and the certificate of incorporation (Dutch: Akte van oprichting).

Where Did He Learn the Trade?

Nathaniël didn’t just stumble onto this business model. He started as an intern at Hét Codeerbedrijf (‘The Coding Company’, now called Lemon Labs B.V.) owned by? You guessed it.

So to sum up, Nathaniël, ‘founder’ of CVneed.com, was both financed and trained by the same people who run TerminationExperts.com

Gentlemen, we have come full circle.

Action by Dutch Authorities

Thankfully, this story has an happy end. After hundreds of consumer complaints, ACM forced cvneed.com to halt new sign-ups and stop misleading practices. According to their statement, the site has ceased trading entirely.

Well done! Although there is still some work to be done… hint, hint

Honestly, I could not make this up.

Up next: follow the money…

More info:

https://www.acm.nl/en/publications/after-stream-complaints-and-action-acm-website-cvneed-has-stopped-accepting-new-customers

https://nltimes.nl/2025/08/13/regulator-orders-resume-website-stop-taking-new-clients-hidden-fees

https://radar.avrotros.nl/artikel/update-cvneed-stopt-met-werven-nieuwe-klanten-na-ingrijpen-acm-61778

https://www.verbraucherzentrale.de/wissen/vertraege-reklamation/abzocke/cvneed-achtung-abofalle-106793

https://www.wko.at/warnungen/warnung-fuer-internet-betrugsseite-cvneed.com

On their website, they list their address as:
Postbus 59777, 1040LG, Amsterdam, Netherlands

Officially, the company is located at:
Verdunplein 17, 5627SZ Eindhoven, The Netherlands.

But in reality, their offices are located at:
Zekeringstraat 32B, 1014BS, Amsterdam, The Netherlands.

–

Now, they don’t make this very obvious. On their website, the contact details given are clearly just a P.O. Box.

Digging deeper into the Company House data, the address comes up again as: Verdunplein 17, 5627SZ Eindhoven.

But this turns out to be a virtual office. Provided by PRI Post – a virtual office provider.

Remember that chart showing all the companies connected to them?

When we check the Compnay House data again, the picture becomes clearer.

All of these companies trace back to:
Zekeringstraat 32B, 1014BS, Amsterdam, The Netherlands

This, at last, appears to be a genuine office building. Success!

Like many others, I was scammed by terminationexperts.com. Did they pick the wrong victim…I took a deep dive.

I expected to find shell companies and more scam websites. What I didn’t expect to find was a so-called coding school for children, operated by the very same people: De Codeerschool (Dutch for ‘The Coding School’).

Two Faces: Scam Artists and “Educators”

Like Jekyll and Hyde – in public, they present themselves as model citizens. Under the banner of De Codeerschool they claim to partner with schools across the Netherlands to teach children digital skills. They even boast of collaborations with prominent names like Microsoft.

But behind the scenes, the same individuals operate a network of scam websites, including: terminationexperts.com, bymetis.com (taken offline), rentalerts.nl, gerechtsbode.nl and cvneed.com.

Following the Paper Trail

I delved into official business records at the Dutch Companies House (KVK). It wasn’t straightforward, or cheap, since every document incurs a fee, but the pieces started to fit together.

Fair to say, it took me a long while…

Terminationexperts.com is operated by Pluto B.V., which is owned by several shell companies, each tied to one individual.

• Florian Holding B.V – > Yves Deen (’99)
• Jesse Verduijn B.V. -> Jesse Verduijn (’98)
• W.M. Paalman Holding B.V -> Wouter Paalman (’93)
  

Together, these individuals own and run a huge list of companies: NS Holding B.V., Metis B.V., Metis Int. B.V., Lemon Labs B.V., Milky Way Investments B.V., Rocketmen B.V. -> that all run fraudulent websites and… (!) De Codeerschool.

All of this is public information, which you can find on the Dutch Company House website: https://www.kvk.nl/. Useful info can be found in the annual accounts (Dutch: Jaarrekeningen) and the certificate of incorporation (Dutch: Akte van oprichting).

The “Charity” Coding School

According to public records, Stichting Dé Codeerschool (registered as, I kid you not, a charity) and Dé Codeerschool B.V. are controlled by Yves Deen and Jesse Verduijn—the very same names tied to all the scam sites.

Their mission statement sounds noble:

“We help bridge today’s digital divide and advocate for equal opportunities for students and their future careers.”

On LinkedIn, that’s all they talk about: digital empowerment, inclusivity, opportunity.

What This Means

• Is De Codeerschool just a front to build credibility and maintain a public persona?
• Is it clever way to raise public funds?
• Or have these scammers actually grown a conscience and a need to compensate for their illicit activities?

I’m not certain, and frankly, it matters little to me. But what I do know is this: parents, schools, teachers, and partners deserve to know exactly who is running this programme.

Would you trust people who profit from online scams to educate your children? I certainly wouldn’t.

Why This Matters

Scammers thrive in the shadows. The only way to fight back is to shine a light on them. Please, if you’re a parent, educator, or anyone with a conscience – spread the word. Children deserve real teachers, not con artists in disguise.

Spread the word

More info about De Codeerschool:

• https://codeerschool.nl/
• https://maps.app.goo.gl/U2u2RvyCy4fnQcmy7
• https://linkedin.com/company/de-codeerschool
• https://www.facebook.com/Codeerschool
• info@codeerschool.nl / +31 202157441

More about terminationexperts.com:

• European Consumer Centre Finland – “Be Careful When Terminating Different Subscription Contracts – Consumers Complain About the Bymetis.fi Termination Service” https://www.ecc.fi/en/current/press-releases/be-careful-when-terminating-different-subscription-contracts-consumers-complain-about-the-bymetis-fi-termination-service/
• ECC Sweden – “Consumers Feel Misled by ByMetis” https://www.konsumenteuropa.se/en/nyheter/konsumenter-kanner-sig-vilseledda-av-bymetis
• BNNVARA Kassa – “Cancel Subscription via Termination Experts? Hundreds of Complaints About Sky-High Costs” https://www.bnnvara.nl/kassa/artikelen/abonnement-opzeggen-via-termination-experts-honderden-klachten-over-torenhoge-kosten
• SepaStop – “Warning: Complaints About TerminationExperts” https://www.sepastop.eu/blog/nl-nl/waarschuwing-bymetis-nl-terminationexperts-com-2
• Swedish Consumer Agency – “Do I Have to Pay the Invoice from Termination Experts?” https://www.konsumentverket.se/fragor-och-svar/3030405/maste-jag-betala-fakturan-fran-termination-experts/
• Consumer Europe Denmark – “Guide: Bills from ByMetis, Termination Experts, or Swift Debt Assist” https://forbrugereuropa.dk/nyheder/forbrugereuropa/nyheder/2025/guide-regninger-fra-bymetis-termination-experts-eller-swift-debt-assist
• Facebook Group – “Termination Experts Consumer Experiences” https://www.facebook.com/groups/906032498021576/
• …

This is just the tip of the iceberg. There’s much more to tell. I plan to continue writing about Yves, Jesse and Wouter, their accomplices or “employees” (you didn’t think these kids had the skills to pull this off themselves?), other ‘businesses’, detailed accounts of all the money, and more… stay tuned.

If you are with law enforcement or the media, contact me.