How Mirwais Momand Built BillSpace to Help Newcomers Take Control of Their Subscriptions

The average Dutch household manages fifteen subscriptions. Most people have lost track of at least a few of them. For newcomers navigating a financial system in an unfamiliar language, that number carries real weight: research gathered during BillSpace’s development found that entrepreneurs with a migrant background overpay by more than two hundred and fifty euros a month on subscriptions alone.

Mirwais Momand had seen this up close for years before he decided to build something about it.

A builder with roots in two continents

Mirwais grew up in Afghanistan and came to the Netherlands to study Financial Management at Tilburg University. While completing his degree, he set up a translation business bridging Dutch and Afghan communities, a practical response to a gap he saw immediately. In 2012, he co-founded MIDO Dairy in Kabul, a food production company delivering pasteurised milk and dairy products to Afghan families at affordable prices, creating local jobs and supporting women farmers across the supply chain.

Keeping a food business running in Afghanistan over the past decade has demanded a specific kind of tenacity. Import duties, banking disruptions, and economic instability tested MIDO Dairy repeatedly, and Mirwais continued building through all of it. In 2019, the Dutch Financial Times named him among the Top 50 Young Talent in the Netherlands. He joined Forward·Inc as a participant, community member and, in time, came back as a business coach. Today, Mirwais is also completing a Master of Business Valuation (MBV) at TIAS Business School. 

What BillSpace actually does

The problem BillSpace solves is straightforward to describe and genuinely difficult to live with. When you arrive in a new country, you sign up for things quickly: a phone plan, a health insurer, an energy provider, a gym. The contracts are in Dutch. The renewal dates are buried in confirmation emails. Missed payments and scattered documents can turn a fifty-euro subscription into a costly, time-consuming problem, and that ripple effect reaches further than the individual, costing municipalities and service providers significant resources to resolve.

BillSpace brings everything into one place. The app gives users a full overview of their subscriptions and contracts, tracks past and upcoming bills, sends payment reminders, and offers personalised advice on where to save. For users who want to cancel, switch, or compare providers, the app surfaces the top three recommendations and walks them through the process. A free plan covers the essentials: contract management, payment tracking, document storage, and notifications. A premium tier adds personalised offers with discounts, detailed spending statistics, and direct advice on starting, stopping, or renegotiating subscriptions.

The whole product works across twelve languages, which matters because the problem is the same in all of them.

Built carefully, tested with real users

Mirwais approached the build with the same patience he has applied to every venture he has run. Sandeep, a product manager based in Mumbai, led a thorough validation phase: stress-testing the app, reducing friction, and working through what needed fixing before anything went to users. Extensive interviews with Forward·Inc members shaped the product directly, grounding design decisions in the experiences of people who live the problem every day.

Mirwais also completed the Investor Readiness program at Forward·Inc. He came out with something more concrete than funding interest: a sharper understanding of exactly what BillSpace is, who it is built for, and where it fits in a market that has needed it for a long time.

“When someone new arrives here,” he says, “they deserve to understand exactly what they are paying for.”

The bigger picture

BillSpace is built for private users and business users alike. For individuals, it removes the stress of managing financial commitments in a new country. For entrepreneurs with a migrant background, it addresses a direct cost to their business. For municipalities and social organisations supporting status holders, refugees, and expats, it offers a practical tool that extends the work they are already doing.

Mirwais has spent his career finding those intersections, places where a practical solution does something useful for the individual and something meaningful at scale. From dairy production in Kabul to subscription management in Tilburg, the logic has always been the same: identify what people are missing, build it properly, and make sure it reaches the people who need it most.

Mirwais is part of the Forward·Inc community. Learn more about BillSpace and how it helps newcomers manage subscriptions and recurring bills at billspace.app or connect with Mirwais on LinkedIn.

Curious about what the Investor Readiness program can offer? Take the next step with Forward·Inc.