What Hypotheek Winkel does

Hypotheek Winkel (legal entity: Hypotheekwinkel BV, BE 0474.087.795) is a Belgian mortgage brokerage and advisory platform operating a hybrid franchise-plus-digital model headquartered in Zaventem, Belgium, under parent Horizon Holdco NV. Founded in 2001, the company runs approximately 70 physical advisory offices across Flanders, supplemented by a web-based platform of online simulation tools (borrowing capacity, monthly payment, notary fees, feasibility, amortization, and interest rate calculators). Customers initiate contact online or in-branch and are guided by FSMA-licensed mortgage brokers who compare products from 25 partner banks and arrange insurance through affiliated underwriters; the customer-facing service is offered free of charge.

The company's revenue model is bank-funded rather than customer-funded. Hypotheek Winkel earns quasi-equal transaction commissions from each of its 25 partner banks for every mortgage closed through the platform, plus insurance distribution commissions from major Belgian life and non-life underwriters (Afi Esca, Allianz Benelux, April, BNP Paribas Cardif, NN, Vivium, Patronale Life, AG Insurance, Axa Belgium, Baloise, and others). A third revenue stream is FSMA-accredited B2B professional training (accreditation numbers 500187 H and 500187 A) for mortgage and insurance professionals. The Hypodroom internal application supports franchise members with customer and document management.

Hypotheek Winkel sits within the Horizon Group alongside Peasy, Aanbieders.be, and sister broker Verzekeringen.be. In December 2025, Meilleurtaux acquired 100% of Peasy shares, effectively creating Belgium's largest omnichannel personal-finance advisory platform spanning mortgages, consumer credit, and insurance. The company primarily serves first-time home buyers in Flanders, with additional segments including refinancing customers, self-employed buyers, renovation loan seekers, expats (multilingual support in Dutch, French, English), and single homebuyers. CEO David Geerts leads the management team.

Name

Hypotheek Winkel

Legal name

Hypotheekwinkel BV

Website

https://hypotheekwinkel.be

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

101–250 employees

Short description

Hypotheek Winkel is a Belgian FSMA-licensed mortgage brokerage operating 70 franchise offices across Flanders and a digital comparison platform covering 25 partner banks. It offers free mortgage and insurance advisory to consumers, funded by bank commissions, under the Horizon Group.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Insurance Agencies and Brokerages (52421)

SIC

Loan Brokers (6163), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial & Multifamily Mortgage Brokers (FSALABAB)

akta.pro secondary industry

Insurtech-Enabled Brokerage (Digital Brokers & Aggregators) (FSAEADAN)

Keywords

• Mortgage brokerage services
• Mortgage loan comparison
• Home loan advisory
• Mortgage intermediation
• Consumer lending advisory

Headquarters

HQ city

Houthalen

HQ country

Belgium

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Bank Commission (Mortgage Intermediation): Hypotheek.winkel acts as a mortgage intermediary and receives quasi-equal commission payments from its 25 partner banks for each mortgage loan closed through the platform. This is the primary revenue stream and allows the company to offer its services free of charge to customers.
2. Insurance Distribution Commission: As an FSMA-licensed insurance distributor (registration number 061433A), the company receives commissions from insurance underwriters for insurance products placed, including life insurance (death risk/study insurance), property insurance, motor insurance, civil liability, credit insurance, and legal expenses insurance. Commissions are included in the premiums paid by customers.
3. Professional Training (B2B): Through its FSMA accreditation (500187 H for housing credits, 500187 A for insurance), Hypotheek.winkel provides accredited continuing education for mortgage and insurance professionals. Revenue is derived from training fees charged to professionals seeking accreditation.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels8 records

Core offering

Hypotheek.winkel is a Belgian mortgage brokerage franchise that compares mortgage products from 25 partner banks and guides individual homebuyers through the full home-purchase process, from affordability simulation and offer preparation through notary signing. Customers receive advisory services free of charge; the company is compensated by commissions from partner banks and partner insurers. The offering combines 70 physical franchise offices across Flanders with online simulation tools, multilingual support (Dutch, French, English), and ancillary FSMA-licensed insurance distribution.

Product overview

Hypotheek.winkel is a free mortgage advisory service operating as a network of approximately 70 physical offices across Belgium (primarily Flanders). The company compares mortgage offers from 25 partner banks to help customers find suitable home loans. The core offering combines in-person consultations at branch locations with online simulation tools (borrowing capacity calculator, monthly payment calculator, financial plan simulator, notary fees calculator, feasibility calculator, and amortization tables). The service extends to insurance distribution (life, non-life, vehicle, and legal expenses insurance) through affiliated insurance companies. The company provides educational content including e-books on the home buying process and maintains an active blog covering mortgage news, interest rate trends, and renovation advice. Multilingual support is available for expats.

Differentiator

Problem solved

Functional benefit

Brands

• Peasy: Sister company providing digital tools and applications for mortgage calculations and financial planning.

Products and services

• Hypotheek.winkel Mortgage Advisory Service

Named customers7 records

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Seven partnerships are on record, tiered core.

• Verzekeringen.becoreOthersSister company within the Horizon Group. Hypotheek.winkel's disclaimer notes that its sister company Verzekeringen.be (insurance broker, FSMA 0478138) may act as co-insurance broker for policies, supporting the bundled insurance offering alongside mortgage products.
• Horizon Holdco NVcoreOthersParent company of Hypotheek.winkel BV. Horizon Holdco NV is the overkoepelende (umbrella) group that also includes Aanbieders.be and Verzekeringen.be. Located at the same address (Leuvensesteenweg 643/14, 1930 Zaventem).
• MeilleurtauxcoreStrategic or Co-development PartnerMeilleurtaux acquired 100% of Peasy's shares (parent of Hypotheek.winkel), creating the largest personal finance advisory platform in Belgium. Together, Peasy and Meilleurtaux are building a strong omnichannel platform helping Belgian families make better financial decisions across mortgages, consumer credit, and insurance.
• 25 Partner Banks (Belgian mortgage lenders)coreChannel Partner/ Reseller/ DistributorHypotheek.winkel partners with 25 Belgian banks to compare mortgage products. The banks compensate Hypotheek.winkel quasi equally, which the company cites as ensuring genuine independence and unbiased advice. Named bank partners are not individually disclosed.
• Insurance Partners (Life: Afi Esca, Allianz Benelux, April, BNP Paribas Cardif, NN Insurance Belgium, Vivium, Patronale Life)coreChannel Partner/ Reseller/ DistributorFSMA-licensed insurance distribution partnerships with major Belgian life insurers for credit protection (death risk/study insurance) and related life products. Commissions are received from these underwriters as part of the insurance distribution revenue model.
• Insurance Partners (Non-Life: AG Insurance, Axa Belgium, Baloise Insurance, NN Insurance (Sure), Vivium)coreChannel Partner/ Reseller/ DistributorFSMA-licensed insurance distribution partnerships with major Belgian non-life insurers for property (brand), civil liability, motor, credit, and legal expenses insurance. Hypotheek.winkel offers and places these insurance products as part of its service.
• Franchise Network Members (Hypodroom)coreChannel Partner/ Reseller/ DistributorIndependent franchisee members of the Hypotheek.winkel network who operate their own local offices under the brand, using the Hypodroom application for customer and document management. Franchisees are FSMA-licensed mortgage and insurance intermediaries operating as self-employed professionals or small businesses.

Scale indicators4 records

Recent moves3 records

Expansion highlights5 records

Direct peers

• Meilleurtaux: France's leading independent mortgage and consumer-credit broker, now the ultimate parent of Hypotheek.winkel's group after acquiring 100% of Peasy in 2025. Operates the same bank-aggregation, commission-funded intermediation model, but at much larger French scale, making it the closest strategic and operational peer.
• Peasy: Digital personal-finance planning platform operating under the same Horizon Holdco NV umbrella as Hypotheek.winkel, sharing the Zaventem headquarters and management team. Provides the digital tools, simulations, and employment infrastructure that Hypotheek.winkel's franchise and customers rely on.
• Verzekeringen.be: FSMA-licensed Belgian insurance broker (0478138) co-located within the Horizon group and frequently named as Hypotheek.winkel's insurance co-broker for bundled policies. Direct functional peer for the insurance-distribution revenue stream attached to every mortgage client.
• Vousfinancer: French independent mortgage broker network that, like Hypotheek.winkel, relies on commission-funded comparison across multiple partner banks and a hybrid local-office / digital model. Highly comparable business model in an adjacent market.
• Pretto: Digital-first French mortgage broker that compares multiple bank offers, charges no fees to the borrower, and earns bank commissions. Represents the pure-digital challenger model that benchmarks Hypotheek.winkel's hybrid franchise-plus-digital strategy.
• Hypotheker: Dutch-originated independent mortgage broker franchise network with multiple local offices and multi-bank comparison, structurally analogous to Hypotheek.winkel's Flemish franchise network operating under a similar intermediation and license regime (AFM-regulated).
• Aanbieders.be: Belgian comparison platform for consumer credit and other financial products, also under Horizon Holdco NV. Closely related to Hypotheek.winkel's mortgage intermediation activity, sharing ownership, technology stack and customer-acquisition marketing infrastructure.

Regional players

• Credimi: Italy-based digital mortgage and credit broker that aggregates multiple lenders for SMEs and professionals. Comparable in intermediation model and bank-aggregation logic, but operates in a different geography with a different regulatory regime.

Broad incumbents

• LendingTree: Large US-based online lending marketplace that aggregates multiple lenders across mortgages, personal loans and insurance. Comparable as a multi-lender comparison and commission-funded intermediation business, but at vastly larger scale and across multiple product lines.

Others

• Immoweb: Belgium's leading real-estate listings portal (owned by AVIV Group / Axel Springer). Operates upstream of Hypotheek.winkel's funnel, capturing prospective buyers before they reach the mortgage advisory stage; not a direct competitor but an essential upstream partner and a reference point for Belgian property-lead economics.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/hypotheek.winkel
• LinkedInlinkedin.com/company/hypotheek.winkel
• Instagraminstagram.com/hypotheek.winkel

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 Hypotheek Winkel