SMK

Name

SMK

Legal name

SMK Versicherungsmakler AG

Website

https://www.smk.ag

Company type

Private

Founded year

1990

Operating status

Operating

Headcount range

51–100 employees

Short description

SMK is an insurance broker and risk management firm providing provisional and investment services.

Ownership category

akta.pro rank

Product category

Insurance Brokerage and Risk Management Consulting

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Administrative Management and General Management Consulting Services (541611)

SIC

Insurance Agents, Brokers & Service (6411), Services-Management Consulting Services (8742)

akta.pro primary industry

Cybersecurity Management for SMB (Managed Security Add‑ons) (BPAEABAG)

akta.pro secondary industry

SMB / Packaged Cyber Policies (FSAJAOAN)

Keywords

• Risk management consulting
• Insurance brokerage services
• IT infrastructure services
• Corporate business consulting
• Mittelstand insurance solutions

Headquarters

HQ city

Gießen

HQ country

Germany

HQ region

Europe

Offices17 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Risk Management Consulting: Professional risk management consulting services for businesses, including risk analysis, audits, and strategic planning
2. Insurance Brokerage: Insurance brokerage services, handling over 4,000 damage claims annually. Revenue generated through commissions from insurance carriers
3. IT Infrastructure Services: IT audits, infrastructure restructuring, and managed services through coliex systems subsidiary
4. Business Consulting: Strategic consulting including M&A support, transformation, and sustainability advisory through in:solutions consulting
5. Financing Services: Financing solutions including leasing, factoring, and credit arrangements

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

SMK Group is a German insurance broker and risk management consulting firm that provides holistic risk management, insurance brokerage (handling over 4,000 damage claims annually), IT infrastructure services through its coliex systems subsidiary, business and sustainability consulting via in:solutions consulting, and financing solutions. The company serves more than 14,000 German Mittelstand (mid-market) clients across industries including trades, commerce and industry, liberal professions, healthcare, real estate, and agriculture, offering them a single point of contact across all business risks.

Product overview

SMK Group is a unified platform combining consulting, IT, risk management, and insurance solutions under one roof. The portfolio consists of five subsidiary sub-brands: SMK risk management (core risk management and insurance services), coliex systems (IT infrastructure and managed services), in:solutions consulting (business strategy consulting), in:now future (broker/agent services), and in:privat insurance (private client insurance), supported by a PartnerNetwork of external companies. Core service offerings span risk management, IT infrastructure, corporate consulting, sustainability/ESG, and financing, all coordinated by a single point of contact for German Mittelstand clients.

Differentiator

Problem solved

Functional benefit

Brands

• SMK risk management: Innovative and future-oriented risk management strategies for businesses.
• coliex systems
• in:solutions consulting
• in:now future
• in:privat insurance
• SMK PartnerNetwork

Products and services

• Risikomanagement (Risk Management Consulting) Holistic enterprise risk management consulting service that identifies, assesses, and manages corporate risks for German Mittelstand businesses across all industry verticals, including coordination of insurance brokerage and damage claim handling (4,000+ claims annually).
• IT-Infrastruktur (IT Infrastructure Services) IT infrastructure service that audits digital structures, identifies vulnerabilities, and provides secure, economically viable IT foundations including remediation, infrastructure restructuring, and managed services for German Mittelstand clients.
• Unternehmensberatung (Business Consulting) Strategic business consulting service accompanying corporate decisions and transformations with focus on structure, efficiency, and future viability, including M&A support and transformation advisory.
• Nachhaltigkeit (Sustainability/ESG Consulting) Sustainability and ESG consulting service integrating environmental, social, and governance requirements into German Mittelstand businesses strategically and in a regulatory-compliant manner.
• Finanzierung (Financing Solutions) Financing solutions supporting investments, operating cost management, and inventory financing optimization for business futures, including leasing, factoring, and credit arrangements.
• Insurance Brokerage with Own Conditions Works (Eigene Bedingungswerke) Insurance brokerage service placing business insurance with carriers using proprietary in-house developed insurance conditions (Eigene Bedingungswerke) that provide broader and more tailored coverage than standard market policies, supported by 4,000+ annual damage claim handling.
• in:privat Insurance (Private Client Insurance) Insurance solution tailored for price-conscious private clients who value personal contact, offered under the in:privat insurance sub-brand of SMK Group.
• in:now future (Broker and Agent Solutions) Solutions service for insurance brokers, underwriting agencies (Assekuradeure), and agent representatives to help them shape their future agenda through digital tools, software, and transformation services.

Quantifiable outcome

• 99.7% customer satisfaction rate
• +3 more outcomes

Named customers15 records

Segments9 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Ten partnerships are on record, tiered core and minor.

• Verband Fenster + Fassade (VFF) & GütegemeinschaftcoreStrategic or Co-development PartnerStrategic partnership with VFF and quality association for window and facade industry. SMK provides risk management expertise and member benefits to association members.
• Bundesverband ProHolzfenster e.V.coreStrategic or Co-development PartnerPartnership with German solid wood window association. Provides specialized risk management solutions for member companies.
• Bundesverband Wintergarten e.V.coreStrategic or Co-development PartnerPartnership with conservatory/winter garden association. Offers tailored risk management for specialty construction.
• Verband Leben Raum GestaltungcoreStrategic or Co-development PartnerPartnership with living space design association. Provides risk management services to members.
• Fachverband FEHRcoreStrategic or Co-development PartnerPartnership with FEHR technical association for specialized risk solutions.
• BHE Bundesverband Sicherheitstechnik e.V.coreStrategic or Co-development PartnerPartnership with security technology association. SMK provides expertise for complex requirements and individual special solutions.
• NETZWERK FreycoreStrategic or Co-development PartnerNetwork partnership providing risk management services to network members.
• NFF Nordtreff Fenster FassadecoreStrategic or Co-development PartnerPartnership with NFF network for window and facade industry. SMK supports NFF events and provides information on current topics.
• Verband Tischler Schreiner DeutschlandcoreStrategic or Co-development PartnerPartnership with German carpenter/joiner association for member risk management services.
• Der Mittelstand BVMW e.V. BundesverbandminorGTM or Marketing PartnerMembership in Mittelstand BVMW Bundesverband, representing SME interests.

Scale indicators6 records

Recent moves6 records

Expansion highlights7 records

Direct peers

• MRH Trowe: Munich-headquartered German insurance broker and risk management firm serving mid-market and enterprise clients. Directly comparable to SMK in Mittelstand focus, integrated risk consulting, and German domestic distribution, though MRH Trowe is larger and more internationally oriented.
• Funk Gruppe: Hamburg-based family-owned insurance broker and risk consultant serving German Mittelstand and larger corporates. Closely comparable to SMK in owner-managed independence, integrated consulting-plus-brokerage model, and focus on complex specialty risk solutions for SMBs.
• Ecclesia Gruppe: Detmold-based German insurance broker specializing in healthcare, church, social, and Mittelstand sectors. Comparable to SMK in its German SMB focus and consultative broker model, with similar multi-vertical specialization and integrated risk advisory offerings.

Broad incumbents

• Marsh Germany: German operations of global insurance broker Marsh (part of Marsh McLennan). Overlaps with SMK in commercial insurance brokerage and risk advisory but serves larger and multinational clients with broader carrier access and analytics capabilities.
• Aon Germany: German arm of global broker Aon. Competes with SMK for German commercial and mid-market accounts, offering broader reinsurance, consulting, and analytics capabilities while operating at a much larger scale.
• Willis Towers Watson Germany: German operations of global advisory WTW. Competes with SMK in commercial risk and insurance brokerage but focuses on larger mid-market and enterprise clients with cross-border risk transfer needs.
• Barmenia Versicherungen: Wuppertal-headquartered German mutual insurer and broker serving SMBs and liberal professions. Overlaps with SMK's liberal professions and trades segments but operates as a carrier-broker hybrid with broader product portfolios.
• HDI Deutschland: Hannover-based German commercial and industrial insurer with broker and risk consulting capabilities. Comparable to SMK in serving German Mittelstand commercial accounts, though HDI is a carrier with underwriting capability that SMK lacks.
• Allianz Deutschland: German arm of global insurer Allianz, operating direct and broker channels into the Mittelstand. Overlaps with SMK's German SMB insurance market but at vastly greater scale and with proprietary underwriting capability.

Regional players

• ROLAND Rechtsschutz: Cologne-based German legal-protection insurer and broker group serving SMBs and professionals. Adjacent to SMK's liberal professions and Mittelstand focus with similar German domestic distribution and association partnership strategies.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/smk-versicherungsmakler-ag

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries6 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 SMK