Centraal Beheer

What Centraal Beheer does

Centraal Beheer is the Dutch consumer financial services brand operated by Achmea Bank N.V. and related entities within the Achmea B.V. group, with operating roots going back to 1909 and headquartered in Apeldoorn. The brand delivers a multi-product portfolio spanning personal insurance (auto, home contents, buildings, travel, life, liability, legal expenses, funeral), business insurance (liability, disability, sickness absence, property, inventory, business interruption, contractor's all risk, VvE packages), residential mortgages (Leef Hypotheek and rental property mortgages), savings accounts (variable rate RentePlús Rekening and fixed rate RenteVast Rekening), eight Achmea-managed mutual investment funds, and pension and lijfrente products. Customers are Dutch private individuals, self-employed professionals (ZZP), small and medium enterprises, larger corporates, owners associations (VvE), and independent insurance advisors; operations are exclusively Netherlands-domestic.

The technology stack is anchored on the Mijn Centraal Beheer web portal, an iOS and Android mobile application, the CeeBee AI chatbot available 24/7, iDIN for identity verification, SurePay for IBAN verification, and digital-first claims handling with photo upload and automated damage assessment integration. Digital properties obtained WCAG 2.2 AA accessibility certification in June 2025. Distribution mixes self-service digital channels, a phone-based call center in Apeldoorn, and an indirect channel via independent advisors and brokers using dedicated Adviseur and Partner portals. Brand marketing relies on the long-running 'Even Apeldoorn bellen' advertising platform and exclusive sponsorship of the Apeldoorn Midwinter Marathon.

Revenue is generated through insurance premiums across personal and commercial lines, investment management fees (0.30% purchase fee across all mutual funds, no switch or sales costs), mortgage and savings interest spreads, and pension product charges; auto insurance offers a 3% discount for annual versus monthly billing. The brand has reported an 8.2/10 average customer satisfaction rating across approximately 80,000 respondents in 2025 and has maintained 'Best Business Damage Insurer' recognition from Verbond van Verzekeraars for five consecutive years through 2022, alongside 'Best All-Risk Home Contents Insurance' by Consumentenbond in 2023 and 2024.

Name

Centraal Beheer

Legal name

Achmea Bank N.V.

Website

https://centraalbeheer.nl

Company type

Private

Founded year

1909

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Centraal Beheer is the Dutch consumer financial services brand of Achmea Bank N.V., offering personal and business insurance, mortgages, savings, mutual fund investments, and pensions to private individuals, SMEs, self-employed professionals, and owner associations in the Netherlands.

Ownership category

akta.pro rank

Product category

Personal Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Agencies, Brokerages, and Other Insurance Related Activities (5242), Finance and Insurance (52)

SIC

Life Insurance (6311), Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321)

akta.pro primary industry

Retirement Income Planning & Decumulation Advisory (FSAEABAD)

akta.pro secondary industry

Trust & Estate Tax Planning & Compliance (FSAEAKAE)

Keywords

• Personal insurance
• Business insurance
• Savings accounts
• Investment funds
• Residential mortgages

Headquarters

HQ city

Apeldoorn

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Core revenue from underwriting and administering various insurance products including auto, home, travel, life, and business insurance. Premium revenue is collected from policyholders and invested while reserving for claims.
2. Investment Management Fees: Revenue from managing customer investment portfolios including the Beleggingsrekening and Extra Pensioen Opbouw products. Fees include purchase costs (0.30%), ongoing fund management costs, and switch fees.
3. Mortgage Interest: Customer deposits (savings) are invested in Dutch mortgages, generating interest income. Also provides mortgage products including Leef Hypotheek and Woningverhuur Hypotheek.
4. Savings Account Interest: Offers RentePlús Rekening (variable rate savings) and RenteVast Rekening (fixed rate savings) and deposits. Earns spread on deposited customer funds.
5. Pension Products: Provides pension and annuity products (Pensioen, Lijfrente) with various investment and savings options. Revenue from management fees and product charges.
6. Business Insurance: Comprehensive B2B insurance offerings including property, liability, income protection, and workers' compensation insurance for SMEs and larger businesses.

Pricing tiers

Go-to-market motion4 records

Distribution channels6 records

Marketing channels9 records

Core offering

Centraal Beheer is a Dutch financial services provider that underwrites and distributes personal and business insurance products (auto, home, travel, life, liability, legal expenses), savings accounts, investment products (8 Achmea-managed funds), residential mortgages, and pension products. It serves private individuals, self-employed professionals, and SMEs through direct digital channels, phone-based service, and independent insurance advisors in the Netherlands.

Product overview

Centraal Beheer is a Dutch insurance and financial services provider operating as part of Achmea, offering a comprehensive product portfolio across insurance, investments, savings, pensions, and mortgages. The core offering includes personal insurance products (auto, home, travel, life, legal expenses), business insurance solutions (liability, disability, building, inventory), investment services (8 Achmea-managed funds), savings accounts (variable and fixed rate), pension products (guaranteed and variable), and residential mortgages. Digital services include the CeeBee chatbot, the Centraal Beheer mobile app for iOS/Android, and the Mijn Centraal Beheer online customer portal. The company serves private customers, self-employed professionals (ZZP), and business clients through direct channels and advisors.

Differentiator

Problem solved

Functional benefit

Products and services

• Autoverzekering (Car Insurance)

Quantifiable outcome

• 8.2 out of 10 average customer satisfaction rating in 2025
• +4 more outcomes

Named customers1 record

Segments6 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature6 records

Partnerships

One partnership is on record.

• AchmeacoreOthersCentraal Beheer is a trading name of Achmea Bank N.V. and operates as part of the larger Achmea insurance group. Achmea provides the underlying insurance underwriting capacity, investment management through Achmea Investment Management (AIM), and shared services including technology infrastructure and risk management.

Scale indicators11 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Rabobank: Large Dutch cooperative bank offering insurance, mortgage, and savings products comparable to Centraal Beheer's banking-adjacent lines, with deep rural and SME distribution reach.
• ING Bank NV: Major Dutch bank offering insurance, savings, mortgages, and investments alongside core banking. Broader incumbent with overlapping consumer financial services suite, particularly in mortgage and savings.
• Allianz Nederland: Local arm of global insurer offering P&C, life, and pension products in the Dutch market. Broader portfolio and global balance-sheet backing position it as an incumbent rival across multiple lines.

Emerging players

• InShared: Digital-first Dutch motor and travel insurer targeting value-conscious consumers via mobile and online channels. Emerging disruptor with partial overlap on auto and short-tail personal lines.

Direct peers

• Univé: Dutch cooperative insurer focused on consumer insurance and member-driven service. Direct peer in personal and SME lines with comparable product breadth and a similar domestic customer-centric ethos.
• NN Group (Nationale-Nederlanden): Largest Dutch insurance and pension group offering a multi-line product suite (life, P&C, pensions, banking/investments). Direct competitor across Centraal Beheer's personal and business segments, with similar regulatory and market exposure.
• ASR Nederland: Major Dutch insurer with overlapping P&C, life, health, and retirement offerings for both retail and SME markets. Closest scale-based competitor to Centraal Beheer in the Netherlands, distributing through both direct and broker channels.
• OHRA: Dutch direct-to-consumer insurance and banking brand (NN Group subsidiary) with a digital-first distribution model. Closest digital-comparable peer to Centraal Beheer's direct online and mobile channel approach.
• Aegon: Dutch-anchored life, pension, and investment provider with overlapping retirement and savings offerings. Highly comparable to Centraal Beheer on life risk, pension, and investment fund products.
• Reaal Verzekeringen: Mid-size Dutch insurer with personal and commercial P&C plus life and income protection. Directly comparable product mix to Centraal Beheer, including disability and SME-focused coverages.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/centraal_beheer
• Facebookfacebook.com/centraalbeheer

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 Centraal Beheer