VKG Van Kampen Groep

What VKG Van Kampen Groep does

VKG Van Kampen Groep is a Dutch financial services and insurance administration platform headquartered in Hoorn, Netherlands, operating as a service provider and volmacht (underwriting authority) holder for more than 2,700 independent financial advisory offices. A 100% subsidiary of ASR Nederland N.V., the company has served more than half of all Dutch insurance advisors for over 75 years, functioning as a market facilitator that connects insurers, advisors, and insured parties under one digital and administrative umbrella.

The technology backbone is the ePlus extranet and ePlus CRM platform, which handles policy administration, document management, workflow automation, customer relationship management, and billing for advisors. ePlus CRM integrates with advisor administration packages (DIAS, Assu, Faster Forward Elements) via the Aplaza and Solera data exchanges, with mortgage (HDN, ADN, Figlo), accounting (Snelstart, Exact), and absence (Verzekeringsinzicht) systems, plus external sources such as RDW, KVK, and UWV open data. Product lines include the Privé Totaal Pakket (personal package), BedrijvenOpvangPolis (business package, with multi-insurer comparison in under two minutes), VKG Inkomen (collective income insurance via Felison Assuradeuren), VKG Hypotheken (mortgages across 36 labels), VKG Portefeuille Match (portfolio transfer marketplace), and Full BackOffice administrative outsourcing via Anac.

Revenue is generated through four streams: volmacht commissions on insurance administered underwriter-style on behalf of insurers; recurring service charges of €1.75 per monthly/quarterly/semi-annual payment term or €3.25 annually, plus one-time premiums; monthly ePlus CRM subscriptions of €84 (manual) or €125 (automated); and transaction-based fees from VKG Portefeuille Match brokerage and valuation services. The customer base segments into primary financial advisors (channel partner), Dutch households (persona), and SME business clients (business unit). Three acquisitions since 2019 (Melching Groep, Lodewijk-groep, Van Helvoort) and ongoing product launches through 2026 underscore a measured M&A and platform-extension strategy.

Name

VKG Van Kampen Groep

Legal name

Van Kampen Groep Holding B.V.

Website

https://vkg.nl

Company type

Private

Founded year

1949

Operating status

Operating

Headcount range

101–250 employees

Short description

VKG Van Kampen Groep is a Dutch insurance service provider and underwriting authority for more than 2,700 financial advisors, offering policy administration, CRM, and packaged insurance products as a 100% subsidiary of ASR Nederland N.V.

Ownership category

akta.pro rank

Headquarters

HQ city

Hoorn

HQ country

Netherlands

HQ region

Europe

Offices5 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Volmacht (Underwriting Authority) Commissions: VKG acts as a volmacht (underwriting authority) holder for multiple insurance companies, earning commissions on insurance policies administered on behalf of insurers. The company accepts, administers, and handles claims for insurance products under the insurer's conditions.
2. Service Charge (Servicebijdrage): Monthly charge for administration services, ICT maintenance and development, digital policy map, bundled collections from multiple insurers, and payment processing. Charged per payment term to insured clients.
3. Portfolio Matching Services: VKG Portefeuille Match facilitates buying and selling of insurance portfolios, offering valuation, brokerage, and transaction support services to advisory offices.
4. ePlus CRM Software: Monthly subscription for CRM software package for financial advisors, with optional automation features. Revenue from software licensing to advisory offices.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels8 records

Core offering

VKG Van Kampen Groep is a Dutch insurance service provider and volmacht (underwriting authority) company that administers insurance portfolios on behalf of more than half of all insurance advisors in the Netherlands. The company provides financial advisors with access to the entire Dutch insurance market through its ePlus platform and ePlus CRM software, handling policy administration, claims processing, and compliance for insurers under volmacht authority.

Product overview

VKG Van Kampen Groep operates as a service provider (serviceprovider) and volmacht (authority) company for the Dutch insurance intermediary market. The company offers a platform-plus-modules architecture centered on ePlus (extranet) and ePlus CRM for digital service delivery. Key product families include Privé Totaal Pakket for personal insurance packages, BedrijvenOpvangPolis for commercial packages, VKG Inkomen for income insurance, VKG Hypotheken for mortgages, and VKG Portefeuille Match for portfolio transactions. Supporting modules include Mijn Polismap (customer portal), VKG Mailings, and Directe beloning. VKG supports over 2,700 advice offices across the Netherlands, providing access to the entire financial market through efficient and targeted digital tools. The company is a 100% subsidiary of ASR Nederland N.V. and has been serving more than half of all insurance advisors in the Netherlands for over 75 years.

Differentiator

Problem solved

Functional benefit

Products and services

• ePlus Extranet

Quantifiable outcome

• Package discount up to 12.5% for bundled insurance coverage
• +3 more outcomes

Named customers7 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration13 records

AI capability2 records

Feature6 records

Partnerships

16 partnerships are on record, tiered minor and core.

• HiscoxminorChannel Partner/ Reseller/ Distributor · 10 October 2024VKG entered a volmacht (underwriting authority) partnership with Hiscox. Three business insurance products from Hiscox (directors liability, professional liability, and CyberClear cyber insurance) can now be digitally purchased through the BedrijvenOpvangPolis within minutes.
• MUNT HypothekenminorChannel Partner/ Reseller/ Distributor · 1 September 2024VKG added MUNT Hypotheken to its mortgage assortment, offering penalty-free repayment with own funds and the lowest interest rate at closing.
• Van Helvoort Registermakelaars in Assurantien B.V.coreOthers · 1 July 2022VKG acquired Van Helvoort in July 2022, a volmacht and brokerage company with 15 employees specializing in business insurance including construction and transport insurance, continuing operations under its own name.
• rhionminorChannel Partner/ Reseller/ Distributor · 1 January 2022VKG signed a volmacht agreement with rhion, a German insurer active in the Dutch market since January 2020. Four personal insurance products are offered: liability, contents, home, and auto insurance.
• AplazacoreTechnology or Integration · 1 November 2021Aplaza is a platform for data exchange between insurers, service providers, and financial advisor software. VKG connected to Aplaza in November 2021, enabling automatic synchronization of policy data between VKG systems and advisor administration packages.
• ABC PensioenminorChannel Partner/ Reseller/ Distributor · 1 November 2021ABC Pensioen (part of Vrieling Adviesgroep) partnered with VKG to enable advisors without pension licenses to serve clients with pension questions. ABC Pensioen has 17 specialists with offices in Zwolle, Hardenberg, and Dedemsvaart.
• Lodewijk-groepcoreOthers · 1 April 2021VKG acquired Lodewijk-groep (Lodewijk Assurantiën and volmachtkantoor Lodewijk Assuradeuren) in April 2021, strengthening VKG's position in the insurance market with locations in Wezep, Kampen, and Heerenveen.
• Felison Assuradeuren B.V.coreStrategic or Co-development PartnerVKG and Felison Assuradeuren B.V. (service provider for income insurance from Velserbroek) work intensively together on collective income insurance under the 'VKG Inkomen' label. Felison is part of ASR Nederland N.V.
• Solera/TIMEcoreTechnology or IntegrationSolera/TIME is integrated with ePlus CRM for automated data synchronization and policy management, simplifying processes such as premium collection (prolongatie).
• Verzekeringsinzicht.nlcoreTechnology or IntegrationOnline platform for absence registration, connected to VKG Inkomen services for managing employee sickness and recovery notifications.
• AnacminorImplementation/ SI/ Consulting PartnerFull BackOffice partnership with Anac, enabling advisors to outsource administrative work to Anac specialists, supporting scalability and customer service.
• DASminorImplementation/ SI/ Consulting PartnerDAS is the legal insurance executor with whom VKG shares customer data for handling legal expense insurance claims.
• Stichting CIScoreOthersCentral Information System foundation supporting insurers with acceptance and claim processes. VKG consults and records data in the CIS database for responsible acceptance policy and fraud prevention.
• MCH ConsultancyminorStrategic or Co-development PartnerConsultancy partner for developing VKG Portefeuille Match program, with expertise in strategy and change management for intermediaries.
• Adviesbureau Fred de JongminorStrategic or Co-development PartnerAdvisory bureau partnered with VKG for research on intermediary future plans and development of portfolio matching services.
• BHB DullemondminorImplementation/ SI/ Consulting PartnerIndependent portfolio broker providing valuation services including quickscans, appraisal reports, financial analysis, and transaction support for VKG Portefeuille Match.

Scale indicators5 records

Recent moves10 records

Expansion highlights7 records

Broad incumbents

• Achmea: Achmea is the largest Dutch insurance group (including Centraal Beheer, Interpolis, Zilveren Kruis, FBTO) and operates a major direct-to-consumer and intermediary business. As a broad incumbent, Achmea is both a counterparty (provides volmacht products to VKG) and a competitor (sells direct, bypassing advisors).
• Allianz Nederland: Allianz Nederland is a major Dutch P&C and life insurer distributing through both direct and intermediary channels. Comparable to VKG in providing underwriting authority and products that Dutch advisors sell, and competes for the same end customers through its direct channels.
• Nationale-Nederlanden (NN): NN is one of the largest Dutch insurers, offering life, pension, and P&C products both direct and through the intermediary channel. As a broad incumbent, NN competes with VKG-enabled advisors for end-customer wallet share and indirectly sets commission and product terms across the channel.

Direct peers

• Aevitae: Aevitae is a Dutch insurance serviceprovider and volmacht holder offering back-office, claims handling, and product access to financial advisors. Directly comparable to VKG's volmacht and serviceprovider model in the Dutch intermediary channel.
• Voogd & Voogd Verzekeringen: Voogd & Voogd is one of the largest Dutch insurance intermediaries and serviceproviders, offering volmacht products, advisory support, and digital tools to a network of independent advisors. Highly comparable business model and customer base to VKG.
• Heerenveen Verzekeringen: Heerenveen Verzekeringen is a regional Dutch insurance serviceprovider offering volmacht and brokerage services to advisors in the north of the Netherlands. Comparable serviceprovider model and overlapping target market with VKG's Heerenveen office.
• Tieleman Verzekeringen: Tieleman is a Dutch regional insurance serviceprovider and intermediary offering multi-insurer products and back-office services to advisors in the southwestern Netherlands. Comparable business model with regional concentration similar to VKG's acquired Lodewijk and Van Helvoort entities.
• Turien & Co. Assuradeuren: Turien & Co. is a Dutch volmacht (assuradeuren) company providing underwriting authority, administration, and advisory support to insurance brokers. Comparable scale and serviceprovider positioning to VKG within the Dutch intermediary ecosystem.
• De Regt Verzekeringen: De Regt is a Dutch insurance intermediary and volmacht organization serving financial advisors with multi-line product access and administrative services. Comparable serviceprovider positioning to VKG in the Dutch market.
• Klap Verzekeringsmakelaar: Klap is a Dutch insurance brokerage and serviceprovider serving financial advisors with multi-carrier product access and administrative support. Direct competitor to VKG in the Dutch intermediary channel with overlapping volmacht and digital-tool offerings.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/user/VanKampenGroep
• LinkedInlinkedin.com/company/vkg
• Xx.com/VKG
• Facebookfacebook.com/VanKampenGroep

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries7 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 VKG Van Kampen Groep