Veldsink Groep

What Veldsink Groep does

Veldsink Groep is a privately held, family-owned Dutch financial services holding company founded on 1 January 1979 by Jan and Elly Veldsink, headquartered in Nuenen, Netherlands. The group operates 12 wholly owned companies organized into three functional tiers: (i) advisory companies (Veldsink Advies, NBG Hypotheken, Van Bruggen Adviesgroep, Nederlands Krediet Collectief) delivering financial advice to private individuals and business clients; (ii) service providers (VCN Verzekeringen, VCN Hypotheken, VCN Kredieten, Connect Assuradeuren) operating under power of attorney from insurers and mortgage/lending providers to deliver administrative support, policy acceptance, and claims handling to other advisory firms; and (iii) occupational health and vitality providers (Assist Verzuim, Vitaal Loopbaan, Bedrijfsmedicus, Wibbens, grouped as Provitale Groep) serving business clients with absence management, reintegration, and occupational medicine services. Supporting infrastructure includes the Veldsink Academy for employee development and the Veldsink Campus as a sector convening hub.

The group's revenue model is primarily transaction-fee based, generated through commissions on insurance and mortgage/credit intermediation, supplemented by professional-services fees for advisory and occupational health work. With approximately 1,500 employees and 425,000 client relationships served daily across the Netherlands, the group is positioned as the largest independent party with a self-determining role in the Dutch financial services chain. The company holds an extensive portfolio of professional certifications (FFP, RMIA, EFA, High Trust, Master in Financial Planning, MFN, NVM) and maintains board positions in industry associations including ADFIZ, NVGA, OvFD, and VNO-NCW Brabant Zeeland. Leadership transitioned to the next generation, with Jeannette Veldsink serving as Director. No public revenue disclosure, no external funding rounds, and no disclosed M&A activity were identified in the available data.

Name

Veldsink Groep

Legal name

Veldsink Groep

Website

https://veldsinkgroep.nl

Company type

Private

Founded year

1979

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Veldsink Groep is a family-owned Dutch financial services holding company operating 12 subsidiaries across insurance intermediation, mortgage advisory, credit services, and occupational health, serving approximately 425,000 client relationships and 1,500+ employees from its Nuenen headquarters since 1979.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Association & PEO Group Health Plans (AHP/PEO-Sponsored) (FSAIAFAH)

akta.pro secondary industry

Self-Funded Employer Plan TPA (ASO Administration) (HLAEALAA)

Keywords

• Insurance intermediation
• Financial advisory
• Mortgage brokerage
• Credit services
• Occupational health services

Headquarters

HQ city

Nuenen

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance intermediation and advisory: Revenue generated from commissions and fees for insurance intermediation, advisory services, and product placement for both advisory companies and service provider operations. The group works with multiple insurers and provides administrative support, acceptance, and claims handling under power of attorney.
2. Mortgage and credit intermediation: Revenue from mortgage and credit intermediation services through VCN Hypotheken and VCN Kredieten service providers, working with mortgage providers and lenders on behalf of advisory offices.
3. Financial advisory services: Direct advisory services to private individuals and business clients through Veldsink Advies, NBG Hypotheken, Van Bruggen, and related brands for comprehensive financial planning, insurance, mortgages, and credit needs.
4. Occupational health and vitality services: Services through Provitale Groep (Assist Verzuim, Vitaal Loopbaan, Bedrijfsmedicus, Wibbens) including occupational health services, reintegration support, absence management, and occupational injury services for business clients.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

Veldsink Groep is a Dutch family-owned financial services holding company operating 12 subsidiaries that provide independent advice and intermediation on insurance, mortgages, credit, and pensions to private individuals and business clients. The group also operates service-provider entities acting under power of attorney from insurers and lenders to support advisory firms, and a vitality division (Provitale Groep) offering occupational health, absence management, and reintegration services to employers.

Product overview

Veldsink Groep operates as a financial services holding company with 12 businesses organized into three divisions: advisory companies (Veldsink Advies, NBG Hypotheken, Van Bruggen, Nederlands Krediet Collectief), service providers (VCN Verzekeringen, VCN Hypotheken, VCN Kredieten, Connect Assuradeuren), and vitality service providers (Assist Verzuim, Vitaal Loopbaan, Bedrijfsmedicus, Wibbens under the Provitale Groep brand). The group offers comprehensive financial services including insurance, mortgages, credits, and occupational health/vitality services. Supporting infrastructure includes Veldsink Academy for employee development and Veldsink Campus for collaboration. The portfolio includes various sub-brands such as Stopel Verzekeringen and Codator, operating under the philosophy of independent advisory services with a focus on financial peace of mind for customers.

Differentiator

Problem solved

Functional benefit

Brands

• Veldsink Academy: Internal training and development platform offering employees courses, training, and workshops for growth in knowledge, skills, and leadership.
• Veldsink Campus
• Provitale Groep

Products and services

• Veldsink Advies Financial advisory services for both private individuals and business customers, providing independent advice on insurance, mortgages, and other financial products.
• NBG Hypotheken Mortgage advisory and brokerage services operating as both a brand and a distinct business unit within the group.
• Van Bruggen Adviesgroep Financial advisory services for private and business customers, offering advice on various financial products.
• Nederlands Krediet Collectief Credit and loan aggregation services providing access to credit products for advisors and customers.
• Stopel Verzekeringen Insurance services operating under the Veldsink Groep umbrella, serving both private and commercial customers.
• Codator Financial services brand providing technology-enabled financial advisory solutions.
• VCN Verzekeringen Insurance service provider operating under power of attorney from insurers, providing administrative support, acceptance, and claims handling for advisory offices.
• VCN Hypotheken Mortgage service provider operating under power of attorney from mortgage lenders, offering administrative support and expertise to advisory offices.
• VCN Kredieten Credit services provider operating under power of attorney from lenders, supporting advisory offices with administrative tasks and product knowledge.
• Connect Assuradeuren Insurance underwriting service provider operating on behalf of insurers, providing administrative and claims handling services to advisory offices.
• Assist Verzuim Arbo-dienst (occupational health service) providing absence management and prevention services for business customers.
• Vitaal Loopbaan Reintegration and second-track career services, helping employees return to work after illness or disability.
• Bedrijfsmedicus Company physician services providing absence guidance, supervision, and prevention services for business customers.
• Wibbens Vocational and occupational rehabilitation services, including occupational health and injury damage expertise.
• Provitale Groep Collective brand grouping the vitality and occupational health service providers: Assist Verzuim, Vitaal Loopbaan, Bedrijfsmedicus, and Wibbens, serving both direct business customers and intermediary customers of the group's advisory companies.
• De Financiële Makelaar Mortgage formula under VCN offering mortgage advisory services through affiliated advisors.

Quantifiable outcome

• 425,000 client relationships served daily with financial services
• +2 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 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 minor and core.

• Hypotheekbranche convenant 'Ouderen en toekomstbestendig wonen'minorStrategic or Co-development Partner · 5 April 2024Veldsink Groep signed the 'Elderly and Future-proof Housing' covenant together with mortgage lenders, mortgage advisory parties, Minister Hugo de Jonge, NHG, and Vereniging Eigen Huis. The initiative aims to help elderly (55+) find suitable housing by providing timely insight into their financial options for housing, moving, and mortgages.
• ADFIZminorOthersAssociation of Financial Advisors in the Netherlands. Veldsink Groep is a member and board member of ADFIZ, participating in industry representation and professional standards development.
• KifidminorOthersFinancial Services Complaints Institute (Klachteninstituut Financiële Dienstverlening). Veldsink Groep is affiliated with Kifid for dispute resolution services.
• NVGAminorOthersDutch Association of Financial Advisors. Veldsink Groep is a member of NVGA for professional development and industry representation.
• OvFDminorOthersAssociation of Finance Professionals. Veldsink Groep is affiliated with OvFD for industry representation and professional standards.
• RGA - Register Gevolmachtigd AgentminorOthersRegister of Authorized Agents. Veldsink Groep companies are registered members of RGA for authorized insurance representation.
• Stichting CISminorOthersInsurance Information Center Foundation. Veldsink Groep is affiliated with Stichting CIS for fraud prevention and insurance information sharing.
• VNO-NCW Brabant ZeelandminorOthersConfederation of Netherlands Industry and Employers for Brabant and Zeeland regions. Veldsink Groep is a member for regional industry representation.
• FontysminorStrategic or Co-development PartnerFontys Universities of Applied Sciences. Veldsink Groep is a fixed partner participating in Fontys Career Events, offering student internships, graduation assignments, and interview preparation workshops. Video interviews with Veldsink management featured in Finance Tax & Advice program.
• Insurance companies and mortgage/lending providerscoreChannel Partner/ Reseller/ DistributorVCN service providers operate under power of attorney from various insurers and mortgage/lending providers, providing administrative support, policy acceptance, and claims handling services. These partnerships form the core service delivery model for the service provider operations.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• ASR Nederland: ASR Nederland is a Dutch insurance company offering life, non-life, health, and pension products with active intermediary distribution partnerships across the Netherlands. As a major Dutch insurance carrier with strong intermediary relationships, ASR is both a key product partner for Veldsink's service-provider operations and an industry incumbent shaping intermediation economics.
• NN Group: NN Group is a major Dutch insurance and asset management group offering life insurance, pensions, and investment products primarily through intermediated distribution in the Netherlands. As one of the largest Dutch insurance carriers, NN is both a major product provider for Veldsink's advisory and service-provider arms and a competitor for end-client relationships.
• Willis Towers Watson (WTW): WTW is a global advisory, broking, and solutions company providing insurance brokerage, risk management, and actuarial consulting with Dutch operations. As a multinational incumbent with intermediation and risk advisory capabilities, it parallels Veldsink's broader advisory and risk-management positioning at the enterprise end.
• Arthur J. Gallagher & Co. Arthur J. Gallagher is a global insurance brokerage and risk management firm with Netherlands operations serving commercial and specialty clients. As a multinational broker incumbent, it competes for Dutch commercial insurance placements alongside Veldsink's Stopel Verzekeringen and business-focused advisory brands.
• Aon plc: Aon plc is a global professional services firm offering insurance brokerage, reinsurance, risk management, and HR consulting with significant Netherlands operations. As a multinational insurance intermediary incumbent, it competes for large-enterprise and specialty Dutch insurance placements alongside Veldsink's Van Bruggen and advisory subsidiaries.
• Marsh McLennan: Marsh McLennan operates Marsh, the world's largest insurance broker and risk advisor, with established Dutch operations serving corporate, institutional, and specialty risk needs. As a global insurance brokerage incumbent, it represents the large-scale alternative to Veldsink's intermediation services for major Dutch commercial clients.

Direct peers

• Nedasco: Nedasco is a Dutch insurance service provider/intermediary operating under powers of attorney from insurers, providing acceptance, policy administration, and claims services to advisory firms. Its service-provider business model and Dutch intermediation focus directly parallel Veldsink Groep's VCN service providers and Connect Assuradeuren operations.
• Univé: Univé is a Dutch cooperative insurance group providing non-life insurance and direct advisory services to members and businesses in the Netherlands. As a member-owned Dutch insurer with advisory operations, it competes with Veldsink's advisory subsidiaries across the Dutch intermediary market.
• De Goudse Verzekeringen: De Goudse is a Dutch insurance company group offering life, non-life, and group insurance with both proprietary and intermediated distribution. Its combination of insurance carrier capabilities and intermediary/advisory services parallels Veldsink Groep's structure of advisory subsidiaries plus Connect Assuradeuren underwriting operations.
• ArboNed: ArboNed is one of the largest Dutch occupational health services providers, offering Arbo services, absenteeism management, and reintegration support to business clients. Comparable to Veldsink's Provitale Groep (Assist Verzuim, Vitaal Loopbaan, Bedrijfsmedicus, Wibbens), which delivers similar occupational health and vitality services in the Netherlands.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

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Compliance11 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries14 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 Veldsink Groep