Why this AFM banner?
The Netherlands Authority for the Financial Markets (AFM) supervises the financial markets: savings, investments, insurance, pensions, and lending. It is important that the financial markets are trusted, and that the markets work in a clear and honest manner. It is not mandatory for companies to have a permit. When company fails to meet its obligations, this will be registered with the AFM.

When a company does meet its obligations, but it doesn't have a permit, it must report this in its communications using an AFM banner.

AFM Banner