do we have a back-up plan in case we lose access to Nextcloud or in case someone changes our passwords?

I don’t see a potential problem here. we are at least 3 people with role admin (alberto, manuel and pieter) and each of us has access with a different password.

nobody knows the password I have to access the reef nextcloud.

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Indeed, there is some redundancy as we have several admin users (The Reef, Manuel, Pieter, myself).

If everything else fails, we open a ticket with tab.digital (on a different website).

Ok, that’s good to know. But do we have a back-up plan for all the passwords that matter? E.g. Protonmail?