RISK
RISK Groep B.V. is a Dutch insurtech combining volmacht underwriting authority, a 200+ API cloud platform, and multi-channel distribution to serve insurance advisors, banks, digital comparison platforms, and consumers in the Netherlands.
- Company typePrivate
- Founded2000
- HeadquartersNieuwegein, Netherlands
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
What RISK does
RISK Groep B.V. is a Dutch insurtech platform founded in 2000, headquartered in Utrecht, Netherlands, operating from approximately three offices (Utrecht, Amsterdam, Zwolle) with roughly 150 employees. The company combines three regulated layers — volmacht (delegated underwriting authority from 20+ insurers), proprietary cloud technology (200+ RESTful APIs across 30+ product categories, AFD 2.0 compliance, PSD2 license from DNB, AFM license 12012535), and multi-channel distribution — into a single integrated offering for Dutch insurance advisors (tussenpersonen), digital comparison platforms, banks (ABN AMRO), and consumer organizations (Consumentenbond). Its core product, the Subliempakket, centralizes insurance, credit, and energy product comparison, policy administration, and CRM integration for advisor workflows.
The business model is a hybrid of (i) three-tier SaaS subscription (WebOffice Start, Grow, Scale priced at €32.50-€122.50 per month excluding VAT), (ii) volmacht underwriting commissions on bound policies (covering auto, home, travel, liability, D&O, cyber, legal expenses), (iii) API and integration fees from enterprise partners embedding insurance, (iv) embedded finance revenue via the Dyme app and affiliated labels (Overstappen.nl, Autoverzekering.nl, EasySwitch.nl, Finckers), and (v) credit intermediation through De Krediet Makelaar (1,500+ advisors, 15+ lenders). Distribution spans owned consumer brands serving millions of annual visitors, white-label and embedded insurance products, and a network of advisors supported by integrated CRM plug-ins (GetMore, Faster Forward, SUPP, Assu, AssuPortal).
In 2025, RISK accelerated its inorganic footprint, completing the acquisition of Dyme (600,000+ users) in September and announcing major volmacht and integration partnerships with Hiscox, Klaverblad, GetMore Systems, and TJIP's MeetingpointAdvies platform, while joining the Verbond van Verzekeraars as an Associate Partner. The company appears to be operating organically without external funding rounds disclosed, growing from commission and subscription economics while expanding its PSD2-enabled recommendation engine via AI/LLM fine-tuning and prompt-engineered automation.
RISK firmographics
Firmographics- Name
- RISK
- Legal name
- RISK Groep B.V.
- Website
- https://risk.nl
- Company type
- Private
- Founded year
- 2000
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- RISK Groep B.V. is a Dutch insurtech combining volmacht underwriting authority, a 200+ API cloud platform, and multi-channel distribution to serve insurance advisors, banks, digital comparison platforms, and consumers in the Netherlands.
- Ownership category
- akta.pro rank
RISK industry classification
Industry- Product category
- Insurance Technology Platform
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (52421), Insurance Carriers (5241)
- SIC
- Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- IoT/Connected Risk Prevention & Parametric Triggers Platforms (FSAGAGAG)
Keywords
Where RISK is headquartered
LocationHeadquarters
- HQ city
- Nieuwegein
- HQ country
- Netherlands
- HQ region
- Europe
Offices3 records
Markets served
RISK business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Software Subscription (WebOffice): Three-tier SaaS subscription model (Start, Grow, Scale) providing advisors access to insurance, credit, and energy comparison tools. Recurring monthly/annual subscription revenue with tiered pricing based on users and features.
- Volmacht (Underwriting) Commissions: RISK acts as gevolmachtigd agent (underwriting agent) for insurance companies, earning commission on policies underwritten through its platform. Handles policy administration, claims processing, and customer management on behalf of insurers.
- API/Integration Fees: Revenue from API integrations with partners (ABN AMRO, Consumentenbond, Geld.nl, etc.) enabling insurance product embedding. Partners pay for access to RISK's insurance distribution infrastructure and real-time quote/policy capabilities.
- Embedded Finance (Dyme): Revenue from Dyme app's financial services including subscription management, savings recommendations, and embedded insurance products. Data-driven cross-sell of financial products to 600,000+ app users.
- Credit Intermediation (De Krediet Makelaar): Credit brokerage through De Krediet Makelaar label, connecting 1,500+ advisors with 15+ lenders. RISK handles full loan application process, earning intermediary fees on completed transactions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | WebOffice Start - Basic package for digital advisors |
| Subscription | Monthly | WebOffice Grow - Scaled package with branding and reporting |
| Subscription | Monthly | WebOffice Scale - Enterprise package with API access and dedicated support |
Go-to-market motion4 records
Distribution channels5 records
Marketing channels5 records
RISK product offering
Product offeringCore offering
RISK operates a cloud-based insurance platform that combines volmacht (underwriting authority), technology infrastructure, and distribution under one roof. The company provides a WebOffice SaaS suite for insurance advisors, over 200 plug-and-play insurance APIs for digital partners, and embedded insurance solutions for banks and platforms, backed by PSD2-licensed financial insights.
Product overview
RISK is an InsurTech service provider operating a cloud-based platform architecture centered on the Subliempakket, a comprehensive online proposition offering insurance, credit, and energy comparison tools. The platform is accessible through three tiers of WebOffice software packages (Start, Grow, Scale), via plug-and-play APIs (200+ APIs across 30+ product categories), and through white-label embedded insurance solutions. RISK functions as a gevolmachtigd agent (underwriting company) processing insurance on behalf of insurers. The product portfolio includes consumer brands (Overstappen.nl, Autoverzekering.nl, EasySwitch.nl, Hypotheekadvies.nl), the acquired Dyme fintech app for budget management, De Krediet Makelaar for credit solutions, and RISK Direct for direct financial services. PSD2-enabled financial insights and automated savings detection complement the core insurance distribution capabilities.
Differentiator
Problem solved
Functional benefit
Brands
- Overstappen.nl: Insurance comparison and switching platform helping consumers compare and switch providers.
- Autoverzekering.nl
- EasySwitch.nl
- Hypotheekadvies.nl
- De Krediet Makelaar
- Dyme
- Finckers
- RISK Direct
- Subliempakket
- SureBase
- Polisportaal
Products and services
- Subliempakket Online proposition platform providing insurance advisors with tools to compare, quote, and bind insurance, credit, and energy products across multiple underwriting agencies (volmachten) with automated acceptance and processing.
- WebOffice SaaS Three-tier software package (Start, Grow, Scale) enabling digital advisory practices with access to insurance products, credit facilities, and energy comparators, with tiered features for users, branding, and API access.
- RISK API Platform Cloud-based RESTful API platform with 200+ insurance, credit, and energy comparison APIs enabling partners to embed financial products directly into their applications, e-commerce checkouts, or banking apps.
- Dyme Personal finance mobile app that helps over 600,000 Dutch users visualize budgets, save on fixed expenses, cancel unnecessary subscriptions, and receive embedded financial recommendations based on PSD2-verified bank data.
- Embedded Insurance Embedded insurance solution enabling partners to integrate insurance products at point of sale within their sales processes, webshops, or platforms, with RISK handling acceptance, fraud checks, policy generation, payment, and data warehousing.
- SureBase Online platform for advisors to create insurance quotes easily and manage insurance portfolios.
- De Krediet Makelaar Credit brokerage label offering consumer credit, business financing, and lease solutions through 1,500+ financial advisors with access to 15+ credit providers.
- RISK Assuradeuren Underwriting company operating as a gevolmachtigd agent, processing insurance applications, accepting risks, and managing policies on behalf of insurance carriers.
- Polisportaal Customer-facing portal for policy management, document access, and customer self-service.
Quantifiable outcome
- Complete insurance quote-to-policy process in under 2 minutes
- +2 more outcomes
Companies that use RISK
Customer profileNamed customers8 records
Segments5 records
Ideal customer profiles4 records
RISK technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
AI capability9 records
Feature6 records
RISK partnerships and signals
Strategic signalPartnerships
14 partnerships are on record, tiered core and minor.
- HiscoxcoreStrategic volmacht partnership with Hiscox, a global specialist insurer. Focus on three product lines: Professional Liability (BA), Cyber insurance, and Directors & Officers (D&O) liability. This enables RISK to offer specialized commercial coverage leveraging Hiscox's international expertise and underwriting capabilities.
- DymecoreRISK Groep acquired Dyme, a popular app with 600,000+ Dutch users for budget visualization and fixed cost reduction. Dyme continues operating independently while integrating with RISK's volmachten and distribution. This acquisition expands RISK's consumer reach, especially Gen-Z, and adds PSD2-enabled financial insights to its portfolio.
- GetMore SystemscoreNew CRM integration enabling GetMore users to calculate, request, and modify RISK insurance products directly within their CRM environment. Eliminates double data entry, reduces errors, and improves workflow efficiency for advisors.
- TJIPminorRISK took over administration and support for MeetingpointAdvies (MPA) platform from TJIP effective July 1, 2025. TJIP focuses on platform innovation while RISK handles operational support for the AOV (occupational disability insurance) comparison tool used by independent intermediaries.
- Klaverblad VerzekeringencoreVolmacht partnership making complete Klaverblad private and commercial property insurance portfolio available through RISK's Subliempakket. Enables advisors to compare and sell Klaverblad products alongside other carriers.
- Faster Forward (eBlinqx)coreIntegration of RISK's Subliempakket into Faster Forward Elements software. Advisors access RISK insurance comparison and sales tools without switching applications or re-entering customer data. Seamless single-login experience.
- Verbond van VerzekeraarscoreRISK joined as Associate Partner in the Dutch Insurance Association (Verbond van Verzekeraars). Active participation in network and knowledge sharing on innovation, digitalization, customer trust, and future-proofing the insurance sector.
- DASminorInsurance partner offering legal expenses insurance products through RISK platform.
- Allianz (Assistance, multiple entities)coreMajor insurance partner providing travel, assistance, and general insurance products through RISK volmacht network.
- Nationale-NederlandencoreLeading Dutch insurer providing life and non-life products through RISK distribution platform.
- asrcoreDutch insurance company offering property and other coverage through RISK volmacht arrangement.
- ChubbcoreGlobal insurer providing commercial and specialty insurance products through RISK platform.
- ARAGminorLegal expenses insurance specialist partner for RISK platform.
- UnigarantminorInsurance partner providing niche coverage through RISK distribution.
Scale indicators6 records
Recent moves6 records
Expansion highlights6 records
RISK competitors and assessment
Company assessmentEmerging players
- Lemonade: AI-native digital insurance carrier offering direct-to-consumer policies with mobile-first UX and behavioral AI. Tangentially comparable to RISK as an insurtech using AI for underwriting and customer experience, but Lemonade is a direct carrier, not a distribution platform.
- Tink: European open banking platform (owned by Visa) providing PSD2-based account data connectivity and financial insights. Comparable to RISK's PSD2-licensed financial insights capabilities, but Tink focuses on the data/connectivity layer rather than insurance distribution.
- Bought By Many (Many Pets): UK-founded insurtech using data-driven approach and member communities to distribute specialty insurance. Comparable to RISK as a digital-first insurance intermediary with proprietary technology, though Many Pets specializes in pet insurance as a UK carrier-distributor.
Broad incumbents
- Aon: Global insurance and reinsurance brokerage with a broad portfolio including digital distribution and embedded solutions. Comparable to RISK as an insurance intermediary, but Aon operates at vastly greater scale across all lines of business globally.
- Marsh: Global insurance broker and risk advisor offering placement, claims, and risk management across commercial and specialty lines. Comparable to RISK's brokerage/volmacht model, though at much larger scale and without the consumer-facing comparison labels.
Direct peers
- Pricewise: Dutch comparison platform for insurance, energy, and financial services with switching functionality. Comparable to RISK's comparison-and-switch labels (Overstappen.nl, EasySwitch.nl) in the Dutch consumer market across insurance and energy verticals.
- Cover Genius: Global embedded insurance infrastructure provider offering API-based distribution of protection products to digital platforms. Closely comparable to RISK's embedded insurance and API platform strategy, serving banks, e-commerce, and SaaS partners with plug-and-play coverage.
- wefox Group: European insurtech operating a digital broker and embedded insurance platform serving consumers and intermediaries across multiple European markets. Directly comparable to RISK as a tech-enabled insurance distribution and underwriting platform with API-first architecture and partner integrations.
- Independer: Leading Dutch insurance comparison platform helping consumers compare and switch policies across carriers. Directly comparable to RISK's Overstappen.nl and Autoverzekering.nl labels, operating in the same Dutch consumer insurance comparison category.
Regional players
- Knip (De Volksbank): Dutch personal finance/insurance app offering comparison and policy management tied to SNS bank distribution. Comparable to RISK's Dyme acquisition and Overstappen.nl as a Dutch consumer insurance/finance app, with bank-distribution overlap.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks1 record
Key highlights7 records
Customer concentration
RISK social profiles
Digital presenceRISK compliance and trust
Trust signalCompliance2 records
RISK financial estimates
Financial estimateRevenue estimate
Valuation estimate
RISK leadership team
Management profileNumber of profiles
RISK subsidiaries and ownership
Company hierarchySubsidiaries8 records
RISK funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
RISK M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about RISK
What does RISK do?
RISK operates a cloud-based insurance platform that combines volmacht (underwriting authority), technology infrastructure, and distribution under one roof. The company provides a WebOffice SaaS suite for insurance advisors, over 200 plug-and-play insurance APIs for digital partners, and embedded insurance solutions for banks and platforms, backed by PSD2-licensed financial insights.
Is RISK a public or private company?
RISK is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was RISK founded?
RISK was founded in 2000. It employs 101 to 250 people.
Where is RISK based?
RISK is headquartered in Nieuwegein, Netherlands, in the Europe region.
How does RISK make money?
Five revenue lines are on record. Software Subscription (WebOffice) is the primary driver. The others are volmacht (Underwriting) Commissions, API/Integration Fees, embedded Finance (Dyme) and credit Intermediation (De Krediet Makelaar).
Who are RISK's main competitors?
Emerging players on record are Lemonade, Tink and Bought By Many (Many Pets). Broad incumbents are Aon and Marsh. Direct peers are Pricewise, Cover Genius, wefox Group and Independer. Knip (De Volksbank) is listed as a regional player.
Does RISK have an API?
Yes. RISK offers a cloud-based API platform with over 200 APIs across 30+ product categories enabling plug-and-play integration of insurance products, credit solutions, and energy comparisons into third-party applications, websites, and software. The RESTful architecture supports real-time data exchange including premium calculation, complete application processing, fraud checks, document generation, and payment. The platform is AFD 2.0 compliant for seamless connection with the financial sector. Partners can connect via the Subliempakket to access over 20 underwriting agencies (volmachten).
What industry is RISK in?
RISK's product category is Insurance Technology Platform. Its primary akta.pro industry code is FSAGAGAG, IoT/Connected Risk Prevention & Parametric Triggers Platforms. Its NAICS code is 5242 and its SIC code is 6411.