@OP
If you can use IDEAL or Bancontact you could take a look at Bitonic.nl and/or their sister site BL3P.eu. Bitonic doesn't even need you to create an account if I remember.
And they're from the same country as you, I believe you will have less problem there. But if you want to be sure you can give a call? They're your neighbors
https://bitonic.nl/contact It will take 2 minutes at max...
You are lucky your money was refunded.
It's not a matter of luck, it's a matter of rights and laws. Kraken do the same with any customer, no matter what was the original problem they always refund the payment transfer