I've also done it both in Sweden and the Netherlands. Sweden is a breeze if you have BankID, sure (and as you said, if the bank likes you). The Netherlands wasn't exactly a breeze — I had to book a face-to-face appointment with KVK and all the slots in Amsterdam were taken, so I took the train about an hour away.
Unsure how long ago this was, but I recently registered with KvK and didn't have to show up at all, just pay 80-ish euros.
The face to face meeting is not a thing any more. There are some exceptions but they can often be done online if at all.
I've done it in 2018 and just needed to go to a notary to wet sign something (not KvK)
I don't dislike that they at least want to see you in real life once tbh. I love ease of registration like anyone else, but with tax avoidance and all that, idk. Feels right to me to have at least seen yourself once.