Yago

What Yago does

Yago is a Belgian digital insurance broker founded in 2015 (originally as Seraphin, rebranded to Yago in March 2022) and headquartered in Brussels (Etterbeek). The company operates as an FSMA-licensed intermediary (registration BE0639926420 consumer / 114863 business) that distributes personal and commercial insurance products from 28+ partner carriers including AXA, Allianz, AG Insurance, Baloise, Ethias, Vivium, and DKV. Yago serves three primary segments - individuals (Particuliers), self-employed professionals (Indépendants), and businesses (Entreprises) - across Belgium, with a dedicated Yago Business platform and Key Account team addressing the enterprise segment.

The company's core technology is the My Yago digital portal, which provides real-time multi-carrier quote comparison, electronic contract signing with SMS verification, centralized policy management, online claims declaration, real-time claims tracking, and multi-channel advisor communication (chat, WhatsApp, email, phone, in-person). It is paired with a hybrid service model: human advisors handle onboarding, advice, and ongoing policy optimization, while an in-house legal team (Team Leaders Christina Bou Assi and Elodie Vanderbist) defends clients during claims handling - a service that has supported 4,700+ resolved claims to date. The product portfolio spans auto, motorcycle, bicycle, home, family liability, hospitalization, travel, legal protection, e-reputation, and pension savings for individuals, plus RC professionnelle, RC exploitation, cyber insurance, group insurance, work accidents, and construction/syndic liability for businesses.

Yago's revenue model is commission-based brokerage: insurance carriers pay Yago when customers purchase policies through the platform, while customers pay the same premium they would pay buying directly from the insurer. Distribution runs through both digital self-serve (My Yago, business.yago.be) and assisted sales via phone, chat, WhatsApp, and in-person meetings at the Brussels office. As of 2025 the company reports 30,000+ individual customers (up from 8,000+ in early 2022) and 3,000+ enterprise customers, with 97% post-claim recommendation rates and Trustpilot/Google ratings of 4.7/4.6. The company has raised €2.2 million in seed funding (March 2022, investors include Beangels, H & I Invest GmbH, and IPM Group) and operates with 11-50 employees.

Name

Yago

Legal name

Yago

Website

https://yago.be

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

Yago is a Belgian FSMA-licensed digital insurance broker serving 30,000+ individuals, independents, and 3,000+ businesses across Belgium, distributing policies from 28+ carriers through its My Yago platform, human advisors, and in-house legal claims team on a commission-only basis.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Claims Adjusting (524291)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Claims Management & Digital FNOL Platforms (FSAGAGAC)

Keywords

• Digital insurance brokerage
• Insurance comparison platform
• Business insurance solutions
• Claims management services
• Personal insurance advisory

Headquarters

HQ city

Etterbeek

HQ country

Belgium

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Others

Revenue model

1. Insurance Brokerage Commissions: Yago earns commissions from insurance companies when customers purchase policies through the platform. These commissions are paid by the insurer, not the customer, meaning customers pay the same price as buying directly from the insurer but receive additional advisory and claims support services.
2. Business Insurance Brokerage: Yago Business segment provides commercial insurance brokerage to 3,000+ businesses, earning commissions from insurers for commercial policies including RC professionnelle, RC exploitation, cyber insurance, property insurance, group insurance, and employee benefits.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels7 records

Core offering

Yago is a Belgian digital insurance broker that compares and distributes personal and business insurance products from 28+ partner insurers (AXA, Allianz, AG, Vivium, Baloise, DKV, Ethias, etc.). Customers manage policies, file claims, and track resolutions through the proprietary My Yago online portal, with support from dedicated human advisors and an in-house legal team that defends customers during claim disputes.

Product overview

Yago is a digital insurance broker combining an online platform (My Yago) with personalized advisory services. The company offers a comprehensive portfolio of insurance products for individuals (auto, motorcycle, bicycle, home, family liability, hospitalization, travel, legal protection, e-reputation, and pension savings) and businesses (professional liability, operational liability, cyber insurance, work accident insurance, group insurance, construction insurance, and building management insurance). Yago acts as an independent broker working with 28+ insurance partners to compare offers and recommend optimal coverage. The My Yago customer portal enables policy management, claims declaration, real-time tracking, and advisor communication, while dedicated advisors and a legal team provide personalized support. The Yago Business platform extends services to corporate clients with sector-specific solutions.

Differentiator

Problem solved

Functional benefit

Brands

• Yago Business: Business insurance solutions for companies and entrepreneurs in Belgium, offering corporate insurance products and services.

Products and services

• My Yago Digital customer portal enabling policy management, claims declaration, real-time claims tracking, document storage, electronic contract signing, and direct communication with dedicated advisors — for Belgian individual customers.
• Assurance Auto

Quantifiable outcome

• 97% of customers recommend Yago after experiencing a claim (sinistre) in 2025
• +4 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Ten partnerships are on record, tiered core.

• AXAcoreChannel Partner/ Reseller/ DistributorAXA is one of Yago's primary insurance partners, offering auto, motorcycle, and other personal insurance products through the Yago brokerage platform.
• ViviumcoreChannel Partner/ Reseller/ DistributorVivium is a partner insurance company available through Yago's comparison platform.
• DKVcoreChannel Partner/ Reseller/ DistributorDKV (now part of the Mediconda group) is a partner for health and hospitalization insurance offerings through Yago.
• AG InsurancecoreChannel Partner/ Reseller/ DistributorAG Insurance products are distributed through Yago's brokerage platform as one of the approximately 28 insurer partners.
• AllianzcoreChannel Partner/ Reseller/ DistributorAllianz, the world's largest insurer, partners with Yago for auto, home, health, and other insurance products. Yago offers Allianz products alongside other insurers for comparison.
• BaloisecoreChannel Partner/ Reseller/ DistributorBaloise (Basler Versicherungen) is a Swiss insurance group operating in Belgium as a Yago partner for auto and other insurance products.
• EthiascoreChannel Partner/ Reseller/ DistributorEthias, one of Belgium's largest insurers, offers auto, home, and other insurance products through Yago's platform.
• FEPRABEL (Fédération des Courtiers)coreStrategic or Co-development PartnerFEPRABEL is the Belgian federation of insurance brokers and financial intermediaries, representing French-speaking brokers. Yago is affiliated with this federation for professional representation and industry standards.
• FVF (Federatie voor Verzekerings- en Financiële Tussenpersonen)coreStrategic or Co-development PartnerFVF is the Flemish equivalent of FEPRABEL, representing insurance brokers and financial intermediaries in Flanders. Yago maintains affiliation for coverage across all Belgian regions.
• Approved Garage Networks (AEDES, AG, Allianz, Amma, AXA, Baloise, Foyer, NN, Vivium)coreTechnology or IntegrationYago provides a garage finder tool linking customers to approved repair networks of partner insurers. Direct links to garage locators for AEDES, AG, Allianz, Amma, AXA, Baloise, Foyer, NN, and Vivium with contact numbers for roadside assistance.

Scale indicators10 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Clark: Clark is a German digital insurance broker that aggregates policies from multiple insurers via a single app, similar to Yago's My Yago platform. Both target consumers with a self-serve digital experience combined with human advisory support.
• Luko (now Cacia): Luko (acquired by Crédit Agricole and rebranded to Cacia) was a French insurtech combining home insurance with a digital broker experience. Yago shares the same digitally-native, multi-carrier brokerage model serving European consumers.
• Getsafe: Getsafe is a German digital insurance platform offering personal and small-business lines through a mobile-first experience. Its combination of digital self-service and advisory support mirrors Yago's hybrid GTM.
• Independer: Independer is a Dutch-Belgian insurance comparison site that allows users to compare personal insurance quotes from multiple carriers. It overlaps directly with Yago's core consumer quote-comparison proposition in the Belgian market.
• Hiscox: Hiscox is a specialist insurer with a strong direct-to-customer and broker-distributed digital proposition in Belgium and across Europe, particularly for professional liability and cyber. It is a comparable specialist carrier/broker for the Yago Business segment.

Broad incumbents

• wefox: wefox is a larger, well-funded European digital insurance platform operating across multiple countries. Like Yago, it positions itself as a modern intermediary between customers and carriers, but at significantly greater scale and geographic breadth.
• Belfius Insurance: Belfius is a major Belgian bancassurer distributing insurance through its banking network and digital channels. As an incumbent with bundled distribution, it represents the dominant traditional alternative Yago is positioning against.
• AG Insurance (DVV): AG Insurance, selling through the DVV agent network, is one of Belgium's largest insurers and a Yago distribution partner. Its tied-agent model is the legacy channel Yago's independent broker proposition seeks to disrupt.

Regional players

• Rastar Assurances: Rastar is a Belgian insurance broker with a digital offering focused on individuals and small businesses. It competes with Yago in the same Belgian retail and SME segment using a similar multi-carrier brokerage model.

Emerging players

• Knip: Knip was a Dutch mobile-first insurance aggregator with a similar comparison and policy-management model. It illustrates both the strategic fit and the execution fragility of digital insurance brokers in neighbouring Benelux markets.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/seraphin
• Facebookfacebook.com/HelloYago

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds1 record

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Yago