diff --git a/Makefile b/Makefile
index b6cdec2..403475b 100644
--- a/Makefile
+++ b/Makefile
@@ -19,6 +19,10 @@ WAIT_SVCS  := openzaak nrc-web acl bff
 # explicit teardown. See docs/runbooks/gitea-actions-gotchas.md.
 SEED       := bash infra/seed-config.sh
 CFG_VOLS   := rr-oz-config rr-kc-realms rr-fl-bpmn
+# Local-only stack: same services but config is bind-mounted (no seed step), so a
+# plain `docker compose -f infra/docker-compose.local.yml up` works on any local
+# engine. This is the no-make / Windows-friendly path. See that file's header.
+LOCAL_COMPOSE := infra/docker-compose.local.yml
 OZ_COMPOSE  := infra/openzaak/docker-compose.yml
 OZ_BASE     := http://localhost:8000
 NRC_COMPOSE := infra/opennotificaties/docker-compose.yml
@@ -39,7 +43,7 @@ export DOCKER_HOST := unix://$(PODMAN_SOCK)
 endif
 endif
 
-.PHONY: ci lint build unit smoke up down changelog openzaak-up openzaak-smoke openzaak-seed openzaak-down stack-up stack-smoke stack-down keycloak-up keycloak-smoke keycloak-down flowable-up flowable-smoke flowable-down help
+.PHONY: ci lint build unit smoke up down local local-down changelog openzaak-up openzaak-smoke openzaak-seed openzaak-down stack-up stack-smoke stack-down keycloak-up keycloak-smoke keycloak-down flowable-up flowable-smoke flowable-down help
 
 ## ci: run the full pipeline — lint, build, unit, smoke (mirrors Gitea Actions)
 ci: lint build unit smoke
@@ -79,6 +83,16 @@ down:
 	docker compose -f $(COMPOSE) down --volumes
 	-docker volume rm -f $(CFG_VOLS)
 
+## local: bring up the bind-mount stack (no seed step) and wait for health
+## (Windows / no-make users: run `docker compose -f infra/docker-compose.local.yml up -d --build` directly)
+local:
+	docker compose -f $(LOCAL_COMPOSE) up -d --build
+	WAIT_TIMEOUT=420 bash infra/wait-healthy.sh $(WAIT_SVCS)
+
+## local-down: stop and remove the bind-mount stack
+local-down:
+	docker compose -f $(LOCAL_COMPOSE) down --volumes
+
 ## changelog: regenerate CHANGELOG.md from Conventional Commits (git-cliff)
 changelog:
 	git-cliff --output CHANGELOG.md
diff --git a/docs/runbooks/ci.md b/docs/runbooks/ci.md
index f6445d5..704a6c8 100644
--- a/docs/runbooks/ci.md
+++ b/docs/runbooks/ci.md
@@ -30,6 +30,26 @@ Actions resolves them from GitHub.
 > bare `docker compose up` no longer self-seeds; use `make up`. See
 > [gitea-actions-gotchas.md](gitea-actions-gotchas.md).
 
+## Running the stack locally without `make` (Windows / Docker Desktop)
+
+`make` and the bash helpers assume a Unix shell. To bring the whole stack up on a
+machine without them (e.g. Windows + Docker Desktop), use the **local compose
+file**, which bind-mounts the config instead of seeding volumes — so it needs no
+`make`, no seed step, and no bash:
+
+```bash
+docker compose -f infra/docker-compose.local.yml up -d --build          # any engine
+docker compose -f infra/docker-compose.local.yml up -d --build --wait    # Docker Desktop (Compose v2)
+docker compose -f infra/docker-compose.local.yml down --volumes
+```
+
+On Linux/macOS the same thing is wrapped as `make local` / `make local-down`.
+
+`infra/docker-compose.local.yml` mirrors the canonical `infra/docker-compose.yml`
+but swaps the external config volumes for bind mounts — valid locally because a
+local daemon can see the working directory (the seed/volume dance only exists for
+the containerized CI runner). Keep the two files in sync.
+
 ## Running CI locally (`make ci`)
 
 Until the runner exists, run the full pipeline yourself before pushing:
diff --git a/infra/docker-compose.local.yml b/infra/docker-compose.local.yml
new file mode 100644
index 0000000..691ec77
--- /dev/null
+++ b/infra/docker-compose.local.yml
@@ -0,0 +1,296 @@
+# LOCAL development stack — runs with a plain `docker compose up`, no make / no
+# seed step / no bash. Use this on a local engine (Docker Desktop on Windows or
+# macOS, or rootless Podman on Linux).
+#
+#   docker compose -f infra/docker-compose.local.yml up -d --build         # podman
+#   docker compose -f infra/docker-compose.local.yml up -d --build --wait  # Docker Desktop
+#   docker compose -f infra/docker-compose.local.yml down --volumes
+#
+# It is identical to infra/docker-compose.yml EXCEPT that the three config inputs
+# (OpenZaak data.yaml, Keycloak realms, Flowable BPMN) are **bind-mounted** from
+# the repo instead of being streamed into external volumes by infra/seed-config.sh.
+# Bind mounts work here because a local daemon can see your working directory —
+# the seed dance only exists for the containerized CI runner, where it can't. See
+# docs/runbooks/gitea-actions-gotchas.md.
+#
+# `infra/docker-compose.yml` remains the CI-canonical stack; keep the two in sync.
+#
+# Port map (host):
+#   8000 OpenZaak · 8001 Open Notificaties · 8080 BFF · 8090 Flowable REST
+#   8100 ACL · 8180 Keycloak   (all admin: admin / admin — dev only)
+
+services:
+
+  # ── OpenZaak (S-01) ──────────────────────────────────────────────────────
+  oz-db:
+    image: docker.io/postgis/postgis:17-3.5
+    environment:
+      POSTGRES_USER: openzaak
+      POSTGRES_PASSWORD: openzaak
+      POSTGRES_DB: openzaak
+    command: postgres -c max_connections=300
+    volumes:
+      - oz-db:/var/lib/postgresql/data
+    healthcheck:
+      test: ["CMD-SHELL", "pg_isready -U openzaak -d openzaak && psql -U openzaak -d openzaak -c 'SELECT PostGIS_Version();' -q 2>/dev/null"]
+      interval: 5s
+      timeout: 5s
+      retries: 30
+      start_period: 15s
+    networks: [cg]
+
+  oz-redis:
+    image: docker.io/library/redis:7
+    networks: [cg]
+
+  oz-init:
+    image: docker.io/openzaak/open-zaak:${OPENZAAK_TAG:-1.28.2}
+    environment: &oz-env
+      DJANGO_SETTINGS_MODULE: openzaak.conf.docker
+      SECRET_KEY: ${OZ_SECRET_KEY:-dev-only-not-for-production}
+      DB_HOST: oz-db
+      DB_NAME: openzaak
+      DB_USER: openzaak
+      DB_PASSWORD: openzaak
+      IS_HTTPS: "no"
+      ALLOWED_HOSTS: "*"
+      CACHE_DEFAULT: oz-redis:6379/0
+      CACHE_AXES: oz-redis:6379/0
+      CELERY_BROKER_URL: redis://oz-redis:6379/1
+      CELERY_RESULT_BACKEND: redis://oz-redis:6379/1
+      DISABLE_2FA: "true"
+      NOTIFICATIONS_DISABLED: "true"
+      OPENZAAK_SUPERUSER_USERNAME: admin
+      DJANGO_SUPERUSER_PASSWORD: admin
+      OPENZAAK_SUPERUSER_EMAIL: admin@localhost
+      RUN_SETUP_CONFIG: "true"
+    command: /setup_configuration.sh
+    # Bind mount (`:z` relabels for SELinux on Linux; a no-op on Docker Desktop).
+    volumes:
+      - ./openzaak/setup_configuration:/app/setup_configuration:ro,z
+    depends_on:
+      oz-db:
+        condition: service_healthy
+      oz-redis:
+        condition: service_started
+    networks: [cg]
+
+  openzaak:
+    image: docker.io/openzaak/open-zaak:${OPENZAAK_TAG:-1.28.2}
+    environment: *oz-env
+    healthcheck:
+      test: ["CMD", "python", "-c", "import requests,sys; sys.exit(0 if requests.head('http://localhost:8000/admin/').status_code in (200,302) else 1)"]
+      interval: 10s
+      timeout: 5s
+      retries: 10
+      start_period: 30s
+    ports:
+      - "8000:8000"
+    depends_on:
+      oz-init:
+        condition: service_completed_successfully
+    networks: [cg]
+
+  oz-celery:
+    image: docker.io/openzaak/open-zaak:${OPENZAAK_TAG:-1.28.2}
+    environment: *oz-env
+    command: /celery_worker.sh
+    depends_on:
+      oz-init:
+        condition: service_completed_successfully
+    networks: [cg]
+
+  # ── Open Notificaties / NRC (S-01-c) ─────────────────────────────────────
+  nrc-db:
+    image: docker.io/postgis/postgis:17-3.5
+    environment:
+      POSTGRES_USER: opennotificaties
+      POSTGRES_PASSWORD: opennotificaties
+      POSTGRES_DB: opennotificaties
+    command: postgres -c max_connections=300
+    volumes:
+      - nrc-db:/var/lib/postgresql/data
+    healthcheck:
+      test: ["CMD-SHELL", "pg_isready -U opennotificaties -d opennotificaties"]
+      interval: 5s
+      timeout: 3s
+      retries: 10
+    networks: [cg]
+
+  nrc-redis:
+    image: docker.io/library/redis:7
+    networks: [cg]
+
+  nrc-init:
+    # Migrations only (see the canonical compose / ADR-0002); no config needed.
+    image: docker.io/openzaak/open-notificaties:${OPENNOTIFICATIES_TAG:-1.16.1}
+    environment: &nrc-env
+      DJANGO_SETTINGS_MODULE: nrc.conf.docker
+      SECRET_KEY: ${NRC_SECRET_KEY:-dev-only-not-for-production}
+      DB_HOST: nrc-db
+      DB_NAME: opennotificaties
+      DB_USER: opennotificaties
+      DB_PASSWORD: opennotificaties
+      IS_HTTPS: "no"
+      ALLOWED_HOSTS: "*"
+      CACHE_DEFAULT: nrc-redis:6379/0
+      CACHE_AXES: nrc-redis:6379/0
+      CELERY_BROKER_URL: redis://nrc-redis:6379/1
+      CELERY_RESULT_BACKEND: redis://nrc-redis:6379/1
+      DISABLE_2FA: "true"
+      OPENNOTIFICATIES_SUPERUSER_USERNAME: admin
+      DJANGO_SUPERUSER_PASSWORD: admin
+      OPENNOTIFICATIES_SUPERUSER_EMAIL: admin@localhost
+    command: ["sh", "-c", "/wait_for_db.sh && OTEL_SDK_DISABLED=True python src/manage.py migrate"]
+    depends_on:
+      nrc-db:
+        condition: service_healthy
+      nrc-redis:
+        condition: service_started
+      openzaak:
+        condition: service_healthy
+    networks: [cg]
+
+  nrc-web:
+    image: docker.io/openzaak/open-notificaties:${OPENNOTIFICATIES_TAG:-1.16.1}
+    environment: *nrc-env
+    healthcheck:
+      test: ["CMD", "python", "-c", "import requests,sys; sys.exit(0 if requests.head('http://localhost:8000/admin/').status_code in (200,302) else 1)"]
+      interval: 10s
+      timeout: 5s
+      retries: 10
+      start_period: 30s
+    ports:
+      - "8001:8000"
+    depends_on:
+      nrc-init:
+        condition: service_completed_successfully
+    networks: [cg]
+
+  nrc-celery:
+    image: docker.io/openzaak/open-notificaties:${OPENNOTIFICATIES_TAG:-1.16.1}
+    environment: *nrc-env
+    command: /celery_worker.sh
+    depends_on:
+      nrc-init:
+        condition: service_completed_successfully
+    networks: [cg]
+
+  # ── Keycloak (S-02) ──────────────────────────────────────────────────────
+  keycloak:
+    image: quay.io/keycloak/keycloak:26.1
+    command: ["start-dev", "--import-realm"]
+    environment:
+      KC_BOOTSTRAP_ADMIN_USERNAME: admin
+      KC_BOOTSTRAP_ADMIN_PASSWORD: admin
+      KEYCLOAK_ADMIN: admin
+      KEYCLOAK_ADMIN_PASSWORD: admin
+      KC_HEALTH_ENABLED: "true"
+      KC_HTTP_ENABLED: "true"
+    ports:
+      - "8180:8080"
+    volumes:
+      - ./keycloak/realms:/opt/keycloak/data/import:ro,z
+    networks: [cg]
+
+  # ── Flowable (S-03) ──────────────────────────────────────────────────────
+  flowable-db:
+    image: docker.io/library/postgres:16
+    environment:
+      POSTGRES_USER: flowable
+      POSTGRES_PASSWORD: flowable
+      POSTGRES_DB: flowable
+    volumes:
+      - flowable-db:/var/lib/postgresql/data
+    healthcheck:
+      test: ["CMD-SHELL", "pg_isready -U flowable -d flowable"]
+      interval: 5s
+      timeout: 3s
+      retries: 10
+    networks: [cg]
+
+  flowable-rest:
+    image: docker.io/flowable/flowable-rest:latest
+    environment:
+      SPRING_DATASOURCE_DRIVER-CLASS-NAME: org.postgresql.Driver
+      SPRING_DATASOURCE_URL: jdbc:postgresql://flowable-db:5432/flowable
+      SPRING_DATASOURCE_USERNAME: flowable
+      SPRING_DATASOURCE_PASSWORD: flowable
+    ports:
+      - "8090:8080"
+    depends_on:
+      flowable-db:
+        condition: service_healthy
+    networks: [cg]
+
+  flowable-init:
+    image: docker.io/curlimages/curl:latest
+    restart: "no"
+    volumes:
+      - ../workflows/registratie.bpmn:/work/registratie.bpmn:ro,z
+    command:
+      - sh
+      - -c
+      - |
+        base=http://flowable-rest:8080/flowable-rest/service/repository/deployments
+        until curl -sf -u rest-admin:test "$$base" >/dev/null 2>&1; do echo "waiting for flowable-rest..."; sleep 3; done
+        if curl -s -u rest-admin:test "$$base?name=registratie" | grep -q '"name":"registratie"'; then
+          echo "registratie already deployed; skip"
+        else
+          curl -sf -u rest-admin:test -F 'file=@/work/registratie.bpmn;filename=registratie.bpmn' "$$base" >/dev/null && echo "deployed registratie"
+        fi
+    depends_on:
+      flowable-rest:
+        condition: service_started
+    networks: [cg]
+
+  # ── ACL ──────────────────────────────────────────────────────────────────
+  acl:
+    build:
+      context: ../services/acl
+      dockerfile: Dockerfile
+    image: register-referentie/acl:dev
+    environment:
+      Acl__OpenZaak__BaseUrl: http://openzaak:8000/
+      Acl__OpenZaak__ClientId: big-reference-seed
+      Acl__OpenZaak__Secret: insecure-dev-secret-change-me
+      Acl__Defaults__Bronorganisatie: "517439943"
+      Acl__Defaults__VerantwoordelijkeOrganisatie: "517439943"
+      Acl__Defaults__Vertrouwelijkheidaanduiding: openbaar
+      Acl__Defaults__ZaaktypeUrl: ${ACL_ZAAKTYPE_URL:-http://openzaak:8000/catalogi/api/v1/zaaktypen/00000000-0000-0000-0000-000000000000}
+    ports:
+      - "8100:8080"
+    healthcheck:
+      test: ["CMD", "curl", "-fsS", "http://localhost:8080/health"]
+      interval: 5s
+      timeout: 3s
+      retries: 5
+      start_period: 10s
+    depends_on:
+      openzaak:
+        condition: service_healthy
+    networks: [cg]
+
+  # ── BFF ──────────────────────────────────────────────────────────────────
+  bff:
+    build:
+      context: ../services/bff
+      dockerfile: Dockerfile
+    image: register-referentie/bff:dev
+    ports:
+      - "8080:8080"
+    healthcheck:
+      test: ["CMD", "curl", "-fsS", "http://localhost:8080/health"]
+      interval: 5s
+      timeout: 3s
+      retries: 5
+      start_period: 10s
+    networks: [cg]
+
+volumes:
+  oz-db:
+  nrc-db:
+  flowable-db:
+
+networks:
+  cg: