Vivium

What Vivium does

Vivium is a Belgian insurance company headquartered in Brussels and operating as a branded entity under P&V Group, a Belgian insurance cooperative. The company was founded in 1907 and employs between 1,001 and 5,000 people. Vivium's primary function is providing general insurance products to Belgian consumers and businesses.

The company's distribution model is built on a broad partnership network of more than a thousand independent brokers, giving it extensive reach across the Belgian insurance market. This broker-centric go-to-market approach positions Vivium as a traditional, channel-driven insurer rather than a direct-to-consumer or digital-first operator. The company serves insurance customers as its primary horizontal segment.

From a technology and product perspective, the available data does not disclose specific product lines, core technology platforms, or technical architecture. Pricing details are not publicly disclosed, and no app or digital product details are documented. The company appears to operate through conventional insurance mechanisms — premium-based revenue, broker-sourced policy acquisition, and standard underwriting and claims processes — though specific operational details cannot be confirmed from the available sources. A single documented external engagement is a 2017 partnership or investment from Wayra (Telefónica's venture arm), which may indicate exploratory digital innovation activity, though no further detail is available.

Name

Vivium

Website

https://vivium.be

Company type

Private

Founded year

1907

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Vivium is a Belgian insurance company and a branded entity of P&V Group, founded in 1907 and headquartered in Brussels. It provides general insurance products to Belgian consumers and businesses, distributed through a network of over 1,000 independent brokers.

Ownership category

akta.pro rank

Product category

General Insurance

NAICS

Insurance Carriers and Related Activities (524), Agencies, Brokerages, and Other Insurance Related Activities (5242), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Insurance Agents, Brokers & Service (6411), Insurance Carriers, Nec (6399), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Large Commercial Package (National Accounts) (FSAJAFAC)

Keywords

• General insurance
• Insurance carrier
• Broker distribution
• Belgian insurance
• Insurance products

Headquarters

HQ city

Brussels

HQ country

Belgium

HQ region

Europe

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Core offering

Vivium is a Belgian general insurance company that designs and underwrites insurance products distributed through a network of more than 1,000 independent brokers across Belgium. Operating as a subsidiary of P&V Group, the company provides general insurance coverage to consumers in the Belgian market, leveraging the scale and stability of its parent cooperative insurance group.

Differentiator

Problem solved

Functional benefit

Products and services

• General Insurance Products General insurance products underwritten by Vivium and distributed to consumers in Belgium through a network of more than 1,000 independent brokers. The product line covers general insurance needs for Belgian consumers as part of P&V Group's insurance portfolio.

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves3 records

Expansion highlights3 records

Direct peers

• Ethias: Belgian mutual insurer with strong public-sector and household presence, offering general insurance and life products. Comparable in target market, mutual/cooperative roots, and Belgian distribution focus.
• Baloise Insurance Belgium: Belgian subsidiary of Swiss Baloise Group offering property, casualty, and life insurance through brokers. Comparable in broker-distributed general insurance for Belgian customers.
• NN Insurance Belgium: Belgian life and non-life insurer (formerly Delta Lloyd) operating through brokers and direct channels. Comparable in product mix and Belgian general-insurance customer base.
• Belfius Insurance: Insurance arm of Belfius Bank selling life and non-life products through banking channels in Belgium. Comparable in scale and Belgian general-insurance focus, though distribution leans bank-led rather than broker-led.
• AXA Belgium: Major Belgian insurer providing property, casualty, motor, and life coverage via brokers and direct channels. Comparable in product breadth and broker-led distribution model.
• AG Insurance (Ageas): One of Belgium's largest insurance carriers offering life and non-life products through brokers and bank channels. Directly competes with Vivium in general insurance for Belgian consumers and SMEs.
• KBC Insurance: Insurance arm of KBC Group offering life and non-life products primarily through bank channels in Belgium. Comparable in Belgian household and SME insurance focus, with strong parent-group backing similar to Vivium under P&V.

Broad incumbents

• Allianz Belgium: Belgian arm of global insurer Allianz offering a full suite of life and non-life products through brokers and agents. Broader portfolio and global backing make it a wider incumbent, but overlapping product and customer set.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/vivium

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds1 record

Investors1 record

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 Vivium