Zicht Adviseurs

What Zicht Adviseurs does

Zicht Adviseurs is one of the largest independent financial intermediaries in the Netherlands, founded in 1903 and headquartered in 's-Hertogenbosch. The company advises Dutch individuals (Particulieren) and businesses/SMEs (Zakelijk) — including self-employed professionals (ZZP'ers) and students — on insurance, mortgage, and pension products. It manages over 398,814 private insurance policies and operates from 15 offices across major Dutch cities (Aalsmeer, Alkmaar, Apeldoorn, Breda, Den Bosch, Eindhoven, Enschede, Groningen, Heerhugowaard, Nederweert, Rijswijk, Roermond, Sneek, Utrecht, and Capelle aan den IJssel).

The product portfolio spans personal lines (auto, motorcycle, classic car, bicycle, homeowner, contents, valuables, liability, legal expenses, accident, travel, caravan, camper, and pleasure craft insurance), business lines (general/professional liability, cyber, employee absence, commercial vehicle, and property insurance), mortgage advisory comparing 30+ lenders, and pension/income planning. The offering is structured into tiered service packages — Zicht Comfortabel for 1-2 policies and Zicht Excellent for 3+ policies — and bundled products (Zicht privépakket, Zicht ondernemerspakket, Studentenpakket), all managed through the MijnZicht customer portal. The wholly-owned Zicht Volmachtbedrijf subsidiary handles underwriting and policy administration on house-brand business.

The business model is intermediation-based: commission revenue from placing and maintaining policies across nearly all Dutch insurers, fee-based mortgage advisory, and premium retention via the Volmachtbedrijf subsidiary. Go-to-market combines physical office distribution with the MijnZicht digital self-service portal, WhatsApp/phone support, and content marketing (blog, video podcast 'Zicht op Zaken'). Customer satisfaction is signaled by an 8.7/10 rating across 1,301 Klantenthousiasme reviews and a 9.3/10 mortgage advisory rating across 79 reviews.

Name

Zicht Adviseurs

Legal name

Zicht Adviseurs

Website

https://zichtadviseurs.nl

Company type

Private

Founded year

1903

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Zicht Adviseurs is a Dutch independent insurance, mortgage, and pension intermediary founded in 1903, serving individuals and SMEs through 15 offices and the MijnZicht digital portal, with over 398,000 private policies under management.

Ownership category

akta.pro rank

Product category

Insurance Brokerage and Financial Advisory

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242), Portfolio Management and Investment Advice (523940)

SIC

Insurance Agents, Brokers & Service (6411), Investment Advice (6282), Loan Brokers (6163)

akta.pro primary industry

Insurance Program Administration & MGA/MGU Services (FSAEADAK)

akta.pro secondary industries

Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH), Hybrid Advice (Advisor + Digital) Platforms (FSAAAAAE), Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)

Keywords

• Insurance brokerage services
• Mortgage advisory services
• Pension planning services
• Financial intermediary services
• Insurance intermediation

Headquarters

HQ city

's-hertogenbosch

HQ country

Netherlands

HQ region

Europe

Offices15 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance intermediation: Zicht Adviseur acts as an independent insurance broker earning commissions from insurance companies for placing and maintaining policies. The company works with nearly all insurance providers in the Netherlands.
2. Mortgage advisory services: Fee-based mortgage advisory services comparing over 30 mortgage providers to find the best rates and terms for customers.
3. Premium financing and policy administration: Administrative services related to policy management, claims handling, and premium collection for insurance products.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

Zicht Adviseurs is an independent Dutch financial intermediary that brokers insurance, mortgage, and pension products for both private individuals and businesses. The company compares offerings from nearly all Dutch insurers and over 30 mortgage providers, delivers personalized advice through 15 nationwide offices and the MijnZicht digital portal, and bundles policies into discounted packages such as the Zicht privépakket, Studentenpakket, and Zicht ondernemerspakket.

Product overview

Zicht Adviseurs is one of the largest independent financial intermediaries in the Netherlands, offering a comprehensive portfolio of insurance, mortgage, and pension products and services to both private individuals (particulieren) and business clients (zakelijk). The offering is organized as a platform of core insurance products organized into service tiers (Zicht Excellent and Zicht Comfortabel), bundled packages (Zicht privépakket, Studentenpakket, Zicht ondernemerspakket), and a customer portal (MijnZicht). Core private insurance products span vehicle insurance (autoverzekering, motorverzekering, oldtimerverzekering, fietsverzekering), home insurance (woonhuisverzekering, inboedelverzekering, kostbaarhedenverzekering, buitenshuisdekking), personal liability and legal (aansprakelijkheidsverzekering, rechtsbijstandverzekering), accident and health (ongevallenverzekering, reisverzekering, annuleringsverzekering), and recreation (caravanverzekering, camperverzekering, pleziervaartuigverzekering). Business insurance includes bedrijfsverzekeringen, cybercrimeverzekering, and verzuimverzekeringen. Adjacent services include hypotheekadvies (mortgage advisory comparing 30+ lenders), pensioen en inkomen (pension planning), and risk management tools (BedrijfsRisicoVerkenner, Zicht preventieservice).

Differentiator

Problem solved

Functional benefit

Brands

• MijnZicht: Online customer portal for managing insurance policies, claims, and payments
• Zicht Excellent
• Zicht Comfortabel
• Zicht Privépakket
• Zicht Ondernemerspakket
• Zicht Volmachtbedrijf

Products and services

• Autoverzekering (Car Insurance)

Quantifiable outcome

• Up to 10% package discount on insurance premiums when bundling multiple policy categories
• +4 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

One partnership is on record.

• Stichting Het Vergeten KindminorOthersZicht is a proud sponsor of Stichting Het Vergeten Kind (The Forgotten Child Foundation), supporting children in the Netherlands who face challenging circumstances.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Hypotheek Visie: Hypotheek Visie is a Dutch mortgage and insurance intermediary franchise, closely comparable to Zicht's combined mortgage + insurance advisory offering.
• Alpina Group: Alpina Group is a Dutch independent financial intermediary offering insurance, mortgage, and pension advisory through regional offices - a very similar business model and customer base to Zicht Adviseurs.
• Aevitae: Aevitae is a Dutch insurance broker and MGA-style service platform serving both individual and corporate clients with multi-carrier distribution, directly comparable to Zicht's intermediary + Volmachtbedrijf model.
• Nedasco: Nedasco is a Dutch insurance intermediary and service platform with volmacht (underwriting authority) capabilities, providing multi-line insurance distribution and back-office services similar to Zicht Adviseurs.
• Dazure: Dazure is a Dutch insurance and financial services intermediary platform serving advisors and end customers with multi-carrier products, comparable to Zicht's insurance intermediation and pension offerings.
• TAF (Thierry's Allround Financieel): TAF is a Dutch insurance and mortgage intermediary serving consumers and SMEs through a multi-carrier model, directly overlapping with Zicht's particulieren and zakelijk service lines.
• De Hypotheekshop: De Hypotheekshop is the largest Dutch mortgage broker franchise, directly comparable to Zicht's mortgage advisory service that compares 30+ lenders.

Broad incumbents

• Independer: Independer is a leading Dutch insurance comparison platform, competing with Zicht for price-driven standard P&C customers and representing the disintermediation threat to traditional brokers.
• Nationale-Nederlanden: Nationale-Nederlanden is one of the largest Dutch insurance and pension providers and a key carrier partner of Zicht; it is a broader incumbent in the same market with overlapping customer segments.
• Rabobank: Rabobank is a major Dutch bank with significant insurance and mortgage distribution capabilities, competing for the same particulieren and SME customers Zicht serves and influencing intermediary economics through its scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/zichtadviseurs

Revenue estimate

Valuation estimate

Number of profiles

Profiles15 records

Subsidiaries1 record

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 Zicht Adviseurs