CKV

What CKV does

CKV, operating commercially as BankB, is a Belgian credit institution (BankB N.V., VAT BE 0400.040.965) founded in 1956 and headquartered at Mannebeekstraat 33, 8790 Waregem, Belgium. The firm employs 101–250 people and operates exclusively within the Belgian market, serving both Dutch- and French-speaking customers via a bilingual website.

The company offers a focused portfolio of six financial products: four lending instruments — Termijnkrediet (term loan), Comfortkrediet (flexible credit), Golden Bulletkrediet (bullet repayment credit), and Lombardkrediet (asset-backed loan) — and two savings products, Spaarrekening (savings account) and Termijnrekening (term deposit). Its stated differentiation is an inclusive credit posture, explicitly accepting applicants with complex financial situations that mainstream Belgian banks decline. No proprietary technology platform, digital banking app, or API integrations are disclosed in the source material.

CKV generates revenue through interest income on its lending book and the net interest spread on its savings products. Distribution is conducted exclusively through an intermediary channel comprising credit brokers (kredietmakelaars), independent bank agents (zelfstandige bankagenten), and notaries/appraisers; the bank does not operate a branch network and offers direct customer access only via its website and contact channels. Pricing is quote-based and personalized rather than tiered, and no public pricing, revenue figures, headcount detail, or ownership structure are disclosed.

Name

CKV

Legal name

BankB N.V.

Website

https://ckv.be

Company type

Private

Founded year

1956

Operating status

Operating

Headcount range

101–250 employees

Short description

CKV (operating as BankB) is a Belgian licensed credit institution founded in 1956 that offers personal lending and savings products distributed exclusively through credit brokers and independent bank agents, with a stated focus on serving customers in complex financial situations.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Savings Institutions and Other Depository Credit Intermediation (52218)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Direct Lending — Specialty Finance (Consumer/SME Lending Platforms) (FSAHAJAF)

Keywords

• Consumer banking services
• Personal loan products
• Retail savings accounts
• Credit brokerage banking
• Inclusive lending solutions

Headquarters

HQ city

Waregem

HQ country

Belgium

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Lending Products: BankB generates revenue through various credit products including term loans (Termijnkrediet), comfort loans (Comfortkrediet), golden bullet loans (Golden Bulletkrediet), and Lombard loans (Lombardkrediet). Revenue is generated through interest on lending products.
2. Savings Products: BankB offers savings accounts (Spaarrekening) and term deposit accounts (Termijnrekening). Revenue is generated through the spread between lending rates and savings interest rates offered.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels1 record

Core offering

CKV, operating through its BankB N.V. brand, is a Belgian retail bank that provides personal lending products (Termijnkrediet, Comfortkrediet, Golden Bulletkrediet, Lombardkrediet) and retail savings products (Spaarrekening, Termijnrekening). The bank positions itself as an inclusive lender ('voor iedereen') serving customers with complex financial situations who are often declined by traditional Belgian banks, distributing its products exclusively through a network of credit brokers and independent bank agents rather than physical branches.

Product overview

BankB is a Belgian bank offering a unified lending and savings platform. The product portfolio consists of four distinct loan products (Termijnkrediet, Comfortkrediet, Golden Bulletkrediet, and Lombardkrediet) and two savings products (Spaarrekening and Termijnrekening). These products are distributed through credit brokers, independent bank agents, notaries, and appraisers, with the bank emphasizing inclusive lending solutions even for complex situations.

Differentiator

Problem solved

Functional benefit

Products and services

• Termijnkrediet A term credit product allowing customers to borrow money with a fixed repayment schedule over a specified period, offered by BankB (CKV's banking brand) to Belgian consumers via credit brokers and bank agents.
• Comfortkrediet A flexible comfort credit product offering personalized borrowing solutions tailored to individual customer needs, distributed by BankB through its intermediary network in Belgium.
• Golden Bulletkrediet A specialized credit product designed for specific financial needs, offered as part of BankB's lending portfolio to Belgian consumers through credit brokers and bank agents.
• Lombardkrediet A Lombard loan product allowing customers to borrow against financial assets pledged as collateral, offered by BankB in Belgium.
• Spaarrekening A retail savings account allowing customers to deposit funds and earn interest, with funds accessible for withdrawal, offered by BankB (CKV) to Belgian consumers through independent bank agents and directly via the website.
• Termijnrekening A term deposit account offering fixed-term savings with a competitive interest rate locked in for the deposit period, offered by BankB (CKV) to Belgian consumers.

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core and minor.

• Credit Brokers (Kredietmakelaars)coreChannel Partner/ Reseller/ DistributorBankB works exclusively with credit brokers who bring loan applications. These partners receive personalized support, custom solutions for complex cases, and access to BankB's full product suite including term loans, comfort loans, golden bullet loans, and Lombard loans.
• Independent Bank Agents (Zelfstandige Bankagenten)coreChannel Partner/ Reseller/ DistributorSelf-employed bank agents partner exclusively with BankB to distribute savings products (spaarrekening, termijnrekening) and lending products. The partnership is described as 'persoonlijk, op maat en in alle vertrouwen' (personal, customized, and with full trust).
• Notaries and AppraisersminorChannel Partner/ Reseller/ DistributorProfessionals involved in property transactions who collaborate with BankB for financing solutions. They form part of the intermediary network but are not primary distribution partners.

Scale indicators1 record

Recent moves4 records

Expansion highlights3 records

Broad incumbents

• Belfius Bank: Large Belgian bank active across retail savings, consumer lending and intermediated channels, competing for BankB's customer base.
• ING Belgium: Branch of a major European bank providing savings, consumer credit and intermediary distribution in Belgium — overlapping with BankB's offering.
• KBC Bank: Major Belgian universal bank with full retail savings, consumer-credit and intermediation capabilities; a key competitor for both deposit and loan customers.
• BNP Paribas Fortis: Largest Belgian universal bank offering savings, consumer credit and intermediated distribution; broader portfolio but overlaps directly with BankB's core products.

Direct peers

• vdk bank: Smaller Belgian cooperative bank offering savings accounts and personal loans with a values-led positioning, structurally similar in scale and product mix to CKV/BankB.
• Argenta: Belgian retail savings and mortgage lender with a deposit-funded model and a strong intermediary/branch footprint — closely comparable to BankB's savings-plus-consumer-credit franchise.
• Axa Bank Belgium: Belgian retail bank providing savings accounts and personal lending via intermediary partners, comparable in product set and channel structure to BankB.
• Record Bank: Belgian retail bank offering savings, mortgage and consumer loan products via an independent agent network — directly analogous to BankB's bank-agent distribution model.
• Crelan: Belgian cooperative bank focused on retail savings, lending and intermediated distribution, with a comparable deposit-backed consumer-credit model.

Emerging players

• Hello Bank (Belgium): Digital-first Belgian banking brand within the BNP Paribas group offering savings and consumer credit online — an emerging channel that competes for BankB's intermediary-distributed flow.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

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 CKV