Ten Hag

What Ten Hag does

Ten Hag Makelaars & Financiële dienstverleningsgroep (legal entity: ten Hag Groep B.V.) is a privately held Dutch real estate and financial services group founded in 1968 and headquartered in Enschede, Netherlands. The company operates 12 branch offices across the eastern Netherlands (Twente, Stedendriehoek, and Achterhoek regions), serving both residential consumers and commercial clients with an integrated service platform that spans brokerage (buying, selling, renting, and valuation of residential and commercial property), property management, mortgage advisory (via the HypotheekNet brand), insurance brokerage and underwriting (via Consent Assuradeuren B.V., a volmachtbedrijf established in 1999), and pension advice.

The group's operating model is built around four interlocking revenue streams: transaction commissions on real estate brokerage, recurring property management fees, financial advisory fees and insurance commissions (including underwriting margin from Consent Assuradeuren), and one-time valuation fees. Distribution runs primarily through the owned branch network and the Funda marketplace, supported by a corporate website (tenhag.nl), a financial services subdomain (financieel.tenhag.nl), a customer portal (MijnHuiszaken), and a digital vault (Digitale Kluis). The technology stack is non-proprietary and standard for the Dutch intermediation market: ANVA for insurance administration and Postex for digital/physical document delivery, with the group reporting that over 75% of customer communications now move digitally.

Customer segments are deliberately diversified across residential consumers (including first-time buyers through House2Start and Novito concepts), business/commercial real estate clients, financial services buyers, and real estate investors. The group is family-led (Rico ten Hag and Michel ten Hag are visible operational and industry figures), is NVM- and RICS-affiliated, maintains professional certifications including VastgoedCert, and publishes a long-running quarterly housing market report (the 89th edition covers Q1 2026), which functions as a regional thought-leadership asset and a soft customer-acquisition channel.

Name

Ten Hag

Legal name

ten Hag Groep B.V.

Website

https://tenhag.nl

Company type

Private

Founded year

1968

Operating status

Operating

Headcount range

51–100 employees

Short description

Ten Hag is a privately held Dutch real estate and financial services group operating 12 branch offices across eastern Netherlands, offering integrated residential and commercial brokerage, property management, mortgage advisory, insurance underwriting, and pension advice to consumers and businesses.

Ownership category

akta.pro rank

Headquarters

HQ city

Enschede

HQ country

Netherlands

HQ region

Europe

Offices10 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Real Estate Brokerage (Woningmakelaardij & Bedrijfsmakelaardij): Commission-based real estate brokerage services for residential and commercial properties. Services include buying, selling, renting, and renting out residential homes; commercial real estate transactions; and new-build project marketing. Revenue is generated through transaction commissions on completed deals.
2. Financial Advisory Services (Hypotheken, Verzekeringen, Pensioenen): Financial advisory covering mortgages (HypotheekNet brand), insurance products, and pension planning. Revenue includes advisory fees, insurance commissions, and potentially trail commissions from insurance carriers. The company also operates a volmachtbedrijf (underwriting agency) through Consent Assuradeuren, enabling direct policy issuance and claims handling.
3. Property Management (Vastgoedbeheer): Property management services for residential and commercial real estate, generating recurring management fees from landlords and property owners.
4. Valuation/Taxatie: Property valuation services for residential and commercial real estate, both for transaction purposes and investment analysis.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Ten Hag is a Dutch real estate and financial services firm that brokers residential and commercial properties, provides mortgage, insurance, and pension advice, manages properties on behalf of owners, and performs professional valuations. The group operates 12 branch offices across the eastern Netherlands and wraps these advisory services around in-house underwriting (Consent Assuradeuren), a customer portal (MijnHuiszaken), and new-build housing programs (Nieuw Wonen, Novito, House2Start, Woonfabriek Zwolle).

Product overview

ten Hag Makelaars & Financiële dienstverleningsgroep is a Dutch real estate and financial services company offering a platform-plus-specialized-services model. The core residential and commercial real estate brokerage is complemented by financial services (mortgages, insurance, pensions) and specialized sub-brands. Key products include MijnHuiszaken (client portal), HypotheekNet (mortgage advisory), Consent Assuradeuren (insurance underwriting), Novito (innovative building), House2Start (starter solutions), and Digitale Kluis (digital document storage). The company also publishes quarterly Woningmarktrapportage market reports and operates regional new-build programs (Nieuw Wonen) across Twente, Stedendriehoek, and Achterhoek. With 12 offices across eastern Netherlands, the company serves consumers and businesses through both direct services and specialized sub-brands.

Differentiator

Problem solved

Functional benefit

Brands

• HypotheekNet: The independent mortgage advisory brand of ten Hag, offering tailored mortgage advice to consumers including first-time buyers.
• MijnHuiszaken
• Novito
• House2Start
• Nieuw Wonen Twente
• Nieuw Wonen Stedendriehoek
• Nieuw Wonen Achterhoek
• Woonfabriek Zwolle

Products and services

• Residential Real Estate Brokerage Buying, selling, renting, and renting out residential homes for individual consumers across the eastern Netherlands, with property listings on Funda and appointments across 12 branch offices.
• Commercial Real Estate Brokerage Advisory and transaction services for buying, selling, renting, and investing in commercial properties (offices, industrial, retail), with tenants including Netters Infra, Van der Valk Exclusief, and Truckpoint Nederland at A1 Bedrijvenpark Deventer.
• Property Management (Vastgoedbeheer) Recurring property management services for residential and commercial real estate owners and landlords across the eastern Netherlands.
• Property Valuation (Taxatie) Professional valuations of residential and commercial properties for transactions and investment analysis, performed by certified appraisers.
• Mortgage Advisory (HypotheekNet) Independent mortgage advice for homebuyers and homeowners, including first-time buyer (starter) financing, operated under the HypotheekNet brand.
• Insurance Underwriting (Consent Assuradeuren) Volmachtbedrijf (underwriting agency) authorized to independently conclude insurance contracts and process claims for clients, with partnerships including Nationale-Nederlanden Schadeverzekering.
• Pension Advisory Pension advice for individuals, including partner pension and ANW bridging insurance (ANW hiaat verzekering), delivered through ten Hag's financial services division.
• Insurance Advisory Advice on home, business, and personal insurance products, integrated with mortgage and property services for clients across the eastern Netherlands.
• Nieuw Wonen New-Build Programs New-build housing initiatives covering Twente, Stedendriehoek, and Achterhoek regions, operated jointly with Thoma Post Makelaars, including Novito, House2Start, and Woonfabriek Zwolle concepts.
• Woningmarktrapportage Quarterly Housing Market Report Quarterly housing market reports (89th edition covering Q1 2026) providing price trends, regional insights, and expert analysis from ten Hag brokers across the eastern Netherlands.

Named customers6 records

Segments4 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Partnerships

Eight partnerships are on record, tiered minor and core.

• Nationale-Nederlanden Schadeverzekering Maatschappij N.V.minorChannel Partner/ Reseller/ Distributor · 26 June 2018Nationale-Nederlanden Schadeverzekering Maatschappij N.V. partnered with ten Hag's volmachtbedrijf (underwriting agency) Consent Assuradeuren to expand its insurance product distribution. Consent Assuradeuren, part of the ten Hag Financiële Dienstverleningsgroep, has the authority to independently conclude insurance contracts and handle claims as a gevolmachtigde (authorized agent).
• Thoma Assurantie- en PensioenadviseurscoreStrategic or Co-development Partner · 19 June 2018ten Hag Groep and Thoma Groep collaborated on a pilot for the ANVA/Postex digital communication integration. The two companies, both specialized in financial services and brokerage, co-developed the integration for digital and physical customer document delivery. They also partner on 'Nieuw Wonen Stedendriehoek' (new-build housing projects in the Stedendriehoek region).
• ANVAcoreTechnology or IntegrationANVA provides the core insurance administration and brokerage software platform used by ten Hag. The partnership includes a standardized Postex integration for automated digital and physical document delivery, enabling paperless customer communication and iDEAL payment options.
• NVM (Nederlandse Vereniging van Makelaars)coreOthersten Hag is a member of NVM, the largest professional association of real estate brokers in the Netherlands. NVM membership provides access to the Funda marketplace, professional standards, training, industry data, and referral networks. Michel ten Hag serves as NVM treasurer.
• NovitominorStrategic or Co-development PartnerNovito is a revolutionary sustainable building concept featured on ten Hag's website under 'Nieuw Wonen' (new living). ten Hag markets Novito new-build projects as part of its new-build housing offering, promoting innovative, sustainable construction methods.
• House2StartminorGTM or Marketing PartnerHouse2Start is a solution for first-time homebuyers (starters) marketed by ten Hag. It provides tailored support and financing options for young buyers entering the housing market, complementing ten Hag's residential brokerage services.
• Woonfabriek ZwolleminorChannel Partner/ Reseller/ DistributorWoonfabriek Zwolle is a new-build housing factory concept marketed through ten Hag's new-build division. ten Hag serves as the sales and advisory channel for Woonfabriek projects in the Zwolle area.
• Van Zeeburg, Luimes & Lebbink MakelaarsminorChannel Partner/ Reseller/ DistributorThree branch offices of Van Zeeburg, Luimes & Lebbink Makelaars became part of ten Hag, expanding the company's geographic footprint in the region.

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Makelaarsland: Dutch real estate brokerage franchise with nationwide branch network focused on residential sales, rentals, and valuations. Directly comparable to ten Hag in core residential brokerage services and target customer segment (Dutch consumers buying/selling homes).
• Van der Linden Makelaars: Regional Dutch real estate brokerage group offering residential sales, new-build advisory, and financial services. Closely comparable to ten Hag in regional multi-branch model, NVM-affiliated positioning, and integrated advisory offering.
• Ottevanger Makelaars: Regional Dutch real estate firm operating across multiple eastern and central Netherlands branches with residential and commercial brokerage. Comparable to ten Hag in regional multi-office coverage and integrated service model.
• Ditters Makelaars: NVM-affiliated regional brokerage with branches across eastern Netherlands including Arnhem/Nijmegen area. Directly comparable to ten Hag in regional multi-branch structure and full-service brokerage plus financial advisory.

Broad incumbents

• ERA Nederland: International real estate franchise network operating in the Netherlands with broad residential and commercial coverage. Comparable to ten Hag in offering real estate brokerage services through a multi-branch model, but at a national scale.
• RE/MAX Nederland: Global real estate franchise with significant Dutch presence providing residential brokerage services. Comparable to ten Hag in core service offering, but operates at substantially larger national scale.
• Coldwell Banker Nederland: International real estate franchise with Dutch offices offering premium residential brokerage. Comparable to ten Hag in offering full-service real estate intermediation, with a brand-led positioning approach.
• De Hypotheker: Largest Dutch mortgage brokerage chain, intermediating between consumers and lenders nationwide. Comparable to ten Hag's HypotheekNet arm in mortgage advisory, but at significantly larger scale and mortgage-only focus.

Regional players

• Hypotheek Visie: Dutch mortgage intermediary franchise focused on independent mortgage advice. Comparable to ten Hag's HypotheekNet in mortgage advisory services, but with a more concentrated geographic footprint outside of ten Hag's core eastern Netherlands region.

Others

• ASR Nederland: Dutch insurance carrier that distributes through gevolmachtigden (underwriting agencies) similar to Consent Assuradeuren. Comparable to ten Hag as an ecosystem participant and potential counterparty/competitor in the volmacht insurance distribution model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/ten-hag-makelaars-en-financiele-dienstverleningsgroep
• Xx.com/tenhagenschede
• Facebookfacebook.com/profile.php

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

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 Ten Hag