Mfind

What Mfind does

Mfind operates a Polish consumer insurance price-comparison and distribution platform under the consumer-facing brand Punkta, backed by the legal entity CUK Ubezpieczenia Sp. z o.o. The platform allows individual consumers to compare quotes from 40+ insurance carriers across multiple lines—OC/AC for cars and motorcycles, property (home and apartment), health and life, travel, sports, ski, cancer, school accident (NNW) and pet insurance—and to complete purchases online, by phone, or in any of 388 physical branch locations across Poland. Underlying technology is a web-based real-time quote aggregator that integrates multiple insurance company (TU) APIs/feeds, returns unified comparisons, and supports a multi-category calculator and a content/education layer (Akademia ubezpieczeń).

The business model is a multi-agent insurance intermediation model: the calculator and advisory services are free to consumers, and revenue is earned via commissions paid by insurance carriers when policies are placed through the platform, supplemented by inside-sales advisory fees and partner/agent referral flows. The funnel combines organic SEO content, self-service quote comparison, phone-based advisory sales and a nationwide retail branch network, addressing primary buyers (vehicle owners) plus secondary segments such as property owners, travelers and health/life insurance seekers.

The company is private (Sp. z o.o.), founded in 2013, headquartered in Warsaw (with the operating subsidiary's office in Toruń), and operates exclusively in Poland. It has raised three disclosed funding rounds between 2015 and 2018 led by MCI Capital SA (twice) and Martis Consulting Sp. z o.o., supporting buildout of the branch network, product vertical expansion and the 1M+ cumulative policies / 200K+ customers scale referenced by the company.

Name

Mfind

Legal name

CUK Ubezpieczenia Sp. z o.o.

Website

https://mfind.pl

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

11–50 employees

Short description

Mfind operates Punkta, a Polish consumer insurance price-comparison platform that aggregates quotes from 40+ carriers and distributes policies across vehicle, property, health, travel and personal accident lines to individual consumers, combining online self-service with a 388-branch national advisory network.

Ownership category

akta.pro rank

Product category

Insurance Comparison Platform

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Lead Generation, Comparison & Marketplace Platforms (Financial Products) (FSAEAMAM)

Keywords

• Insurance comparison
• Insurance aggregation platform
• Vehicle insurance marketplace
• Insurance budget optimization
• Multi-agent insurance broker

Headquarters

HQ city

Warsaw

HQ country

Poland

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Digital Commerce or Content

Cost components

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

Revenue model

1. Insurance Commission Revenue: Punkta earns commission from insurance companies (TU partners) when customers purchase insurance policies through the comparison platform. The commission is likely a percentage of the policy value or a fixed referral fee per policy sold.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Mfind operates an online insurance comparison and aggregation platform (marketed under the Punkta brand via CUK Ubezpieczenia Sp. z o.o.) that lets Polish consumers compare and purchase insurance policies from 40+ insurance providers in a single interface. The platform covers vehicle insurance (OC, AC, NNW, Assistance), property, health, life, and travel insurance, complemented by 388 physical branch locations staffed with advisors. Revenue is generated through commissions paid by insurance partners when policies are sold through the platform.

Product overview

Punkta is a multi-category online insurance comparison platform operated by CUK Ubezpieczenia Sp. z o.o. The core offering is the OC/AC Calculator (insurance calculator) which compares liability and autocasco insurance from 15+ insurance companies including PZU, Link4, Generali, Ergo Hestia, Warta, Allianz, and UNIQA. The platform offers a unified comparison experience across vehicle insurance (OC, AC, NNW, Assistance for cars and motorcycles), property insurance (home/apartment), health/life insurance, and travel insurance. Additional products include specialized calculators for health, travel, property, life, and school accident insurance. The platform provides 388 physical branch locations nationwide alongside online services, and maintains an educational resource center (Akademia ubezpieczeń) with guides, rankings, and market reports. As a multi-agent (multiagencie) for insurance companies, Punkta acts as an intermediary enabling policy purchases directly through the platform.

Differentiator

Problem solved

Functional benefit

Products and services

• OC/AC Insurance Comparison Calculator (Kalkulator ubezpieczeń)
• Vehicle Insurance (Ubezpieczenie samochodu)
• Motorcycle and Scooter Insurance (Ubezpieczenie motocykla i skutera)
• Home and Apartment Insurance (Ubezpieczenie domu i mieszkania)
• Health Insurance (Ubezpieczenie zdrowotne)
• Travel and Sports Insurance (Ubezpieczenia turystyczne i sportowe)
• Road Assistance (Assistance)
• Cancer Insurance (Ubezpieczenie na wypadek nowotworu)
• NNW Personal Accident Insurance (Ubezpieczenie NNW)

Quantifiable outcome

• Customers save up to 50% on insurance premiums
• +4 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

15 partnerships are on record, tiered core and minor.

• PZUcoreChannel Partner/ Reseller/ DistributorMajor Polish insurance company providing vehicle insurance products (OC, AC) through the Punkta comparison platform. One of the flagship insurance providers on the platform.
• Link4coreChannel Partner/ Reseller/ DistributorPolish insurance company specializing in direct insurance sales, offering vehicle and property insurance through the Punkta platform.
• AllianzcoreChannel Partner/ Reseller/ DistributorGlobal insurance group providing vehicle and other insurance products through the Punkta comparison platform.
• Ergo HestiacoreChannel Partner/ Reseller/ DistributorOne of the largest Polish insurance companies offering comprehensive insurance products through the Punkta platform.
• WartacoreChannel Partner/ Reseller/ DistributorMajor Polish insurance company providing vehicle, property, and other insurance products through the Punkta comparison platform.
• UNIQAcoreChannel Partner/ Reseller/ DistributorInternational insurance group operating in Poland, offering vehicle and other insurance products through Punkta.
• GeneralicoreChannel Partner/ Reseller/ DistributorGlobal insurance company offering vehicle and other insurance products through the Punkta platform.
• Signal IdunaminorChannel Partner/ Reseller/ DistributorGerman-based insurance company operating in Poland, offering insurance products through the Punkta comparison platform.
• CompensaminorChannel Partner/ Reseller/ DistributorPolish insurance company offering vehicle and property insurance products through the Punkta platform.
• EuroinsminorChannel Partner/ Reseller/ DistributorInsurance company providing vehicle insurance products through the Punkta comparison platform.
• BeesafeminorChannel Partner/ Reseller/ DistributorPolish digital insurance company offering vehicle insurance products through the Punkta platform.
• TrastiminorChannel Partner/ Reseller/ DistributorInsurance company offering vehicle insurance through the Punkta comparison platform.
• TUZ UbezpieczeniaminorChannel Partner/ Reseller/ DistributorPolish mutual insurance company offering insurance products through the Punkta platform.
• AXA PartnersminorChannel Partner/ Reseller/ DistributorGlobal insurance group providing assistance and insurance products through the Punkta platform.
• Europ AssistanceminorChannel Partner/ Reseller/ DistributorInternational assistance company providing vehicle assistance and travel insurance products through Punkta.

Scale indicators7 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Rankomat: One of the leading Polish insurance comparison platforms aggregating OC/AC and other policies from multiple carriers. Closest direct competitor to Punkta/Mfind in the Polish multi-line insurance comparison market with the same commission-based model.
• Ubezpieczenia.pl: Polish insurance comparison and brokerage portal offering OC/AC and additional lines from multiple insurers. Direct competitor in the same Polish market with overlapping carrier relationships and self-serve calculator-led funnel.
• GoCompare: UK-based insurance price comparison website specializing in motor, home, and life insurance. Closely comparable business model: free consumer comparison tool monetized via carrier commissions.
• Confused.com: UK insurance comparison platform aggregating motor, home, and travel policies from multiple carriers. Same commission-based aggregator model and similar multi-line insurance breadth as Punkta/Mfind.

Broad incumbents

• Check24: Germany's largest multi-vertical price comparison platform with a sizeable insurance (Kfz, Sach, Kranken) comparison and brokerage business. Comparable through its aggregator-and-broker hybrid model and tech-enabled distribution scale.
• Verivox: German comparison portal for insurance, energy, and financial products. Operates as an independent broker earning commissions from providers, directly analogous to Punkta's model at greater scale and broader scope.
• MoneySupermarket Group: UK-listed multi-vertical comparison platform with a sizeable insurance vertical alongside home services and money products. Comparable aggregator-and-broker model at significantly larger scale and broader scope than Punkta/Mfind.

Regional players

• LeLynx: French insurance comparison broker (part of the Covéa group) distributing auto, home, and health policies from multiple insurers. Comparable aggregator-and-broker hybrid, operating in a different European geography.
• ComparaJa: Spanish insurance and financial product comparison platform offering motor, home, health, and life quotes from multiple providers. Operates an analogous commission-based comparison marketplace in a different European market.
• Selectra: Pan-European price comparison group active in energy, telecom, and insurance across multiple countries. Comparable through its cross-vertical comparison-and-brokerage model and multi-country footprint relevant to potential CEE expansion.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/watch?v=_VjgdTeSGP8
• Xx.com/akademiamfind
• Facebookfacebook.com/akademiamfind

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds3 records

Investors2 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 Mfind