Winners Group

Name

Winners Group

Legal name

Winners Group, a.s.

Website

https://winnersgroup.sk

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

51–100 employees

Ownership category

akta.pro rank

Headquarters

HQ city

Bratislava

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Financial Intermediation Commissions: Winners Group generates revenue through commissions from financial institutions for placing their products (insurance, mortgages, loans, leasing) through their network of business partners. The company acts as an independent financial intermediary.
2. Insurance Intermediation: Revenue from commissions on various insurance products including motor vehicle insurance (PZP, KASKO), travel insurance, property insurance, and other non-life insurance products.
3. Mortgage and Lending Services: Revenue from mortgage intermediation and other lending products through partnerships with banks and financial institutions.
4. Leasing Services: Revenue from vehicle and equipment leasing intermediation through partner financial institutions.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Winners Group is an independent financial intermediary that places insurance, mortgage, lending, leasing, and investment products from partner financial institutions to individual clients through a network of trained, licensed Business Partners. Services are delivered under the unified Winners Koncept, supported by the proprietary Pytagoras digital planning tool, and span subsidiaries covering insurance, real estate, mortgages, leasing, and business development.

Product overview

Winners Group is a financial services company operating under the Winners Koncept, a unified platform that brings comprehensive financial services under one roof through five specialized sub-brands. The core platform is supported by the Pytagoras digital tool for objective financial planning. The product portfolio includes Winners Poistenie (insurance), Winners Reality (real estate), Winners Hypotéka (mortgages), Winners Lízing (leasing), and Winners Biznis (business services), all delivered through independent financial intermediaries using specialized expertise for each financial market segment. Online insurance services are also available through the online poistenie module.

Differentiator

Problem solved

Functional benefit

Brands

• Winners Poistenie: Insurance services under the Winners brand, offering motor third-party liability, motor hull insurance, travel insurance, and other non-life insurance products.
• Winners Reality
• Winners Hypotéka
• Winners Lízing
• Winners Biznis
• Pytagoras

Products and services

• Winners Koncept Unified financial services concept that brings professional and comprehensive financial services under one roof, using specialists for each segment of the financial market to ensure quality service and ongoing care for clients.
• Winners Poistenie Insurance intermediation services including motor third-party liability (PZP) for cars and motorcycles, motor hull (KASKO) insurance, travel insurance, and other non-life insurance products placed through partner insurers.
• Winners Reality Real estate brokerage and management services handling property sales, purchases, and rentals, facilitated by real estate specialists under the Winners brand.
• Winners Hypotéka Mortgage and housing finance intermediation services with specialists helping clients secure optimal mortgage solutions from partner banks, including long-term (up to 30-year) repayment options.
• Winners Lízing Leasing intermediation services for movable and immovable property including personal and commercial vehicles, work machinery, and equipment, placed through partner leasing providers.
• Winners Biznis Business development and partnership services supporting Business Partners with training, professional growth, financial security, and tools for building their own financial intermediation practice under the Winners brand.
• Online poistenie Online insurance comparison and purchase service allowing clients to obtain 24/7 quotes and compare terms and prices for motor third-party liability, travel, and other non-life insurance products in seconds.

Quantifiable outcome

• 79% of savers in the Second Pillar lose advantageous returns due to incorrectly set savings programs
• +1 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature1 record

Partnerships

15 partnerships are on record, tiered minor.

• AllianzminorOthersInsurance company partnership for providing insurance products to clients through Winners Group's network of Business Partners.
• AmundiminorOthersInvestment management company partnership for investment products and asset management services.
• ČSOBminorOthersBanking partnership for providing banking products including current accounts, loans, and other financial services.
• GeneraliminorOthersInsurance company partnership for life and non-life insurance products.
• KooperativaminorOthersInsurance company partnership offering property and casualty insurance products.
• mBankminorOthersDigital banking partnership providing online banking services and products.
• Slovenská sporiteľňa (SLSP)minorOthersMajor Slovak banking partnership for savings, loans, and comprehensive banking services.
• Tatra bankaminorOthersPremium banking partnership for providing premium banking products and services.
• UniCredit BankminorOthersInternational banking partnership for providing banking products across multiple markets.
• VÚBminorOthersBanking partnership for mortgage, consumer loans, and other banking services.
• UnionminorOthersHealth and insurance company partnership.
• AXA PartnersminorOthersInternational insurance partnership for providing insurance solutions across operating markets.
• ColonnademinorOthersInsurance company partnership for specialized insurance products.
• ConseqminorOthersInvestment company partnership for asset management and investment advisory.
• WüstenrotminorOthersBuilding savings and mortgage partnership for housing finance products.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• NN Group: Dutch insurance and asset management group with significant CEE operations in life insurance, pensions, and investment products. Overlaps with Winners Group's intermediation activity in the markets where both operate, including Slovakia and adjacent CEE economies.
• Generali: Major European insurer with strong CEE presence and a named partner of Winners Group. Operates its own tied-agent and broker channels that overlap with Winners Group's intermediation activity across insurance products.
• UNIQA Insurance Group: Austrian-headquartered insurer with deep CEE footprint across multiple Winners Group operating markets. Combines proprietary sales with broker distribution, making it both a competitor and a potential partner in the CEE retail insurance market.
• Allianz SE: Global insurance and asset management giant and one of Winners Group's named insurance partners. While not a direct competitor in intermediation, Allianz's proprietary distribution and bancassurance channels compete for the same household financial-services wallet in CEE.

Direct peers

• OVB Holding AG: German-headquartered financial intermediary operating across 15 European countries including Slovakia and other CEE markets. Uses a comparable independent advisor/Business Partner model distributing insurance, mortgages, and investment products from multiple providers — directly competitive with Winners Group's structure and footprint.
• Swiss Life Select (formerly AWD): Europe's largest independent financial advisory network with a multi-product, multi-provider intermediation model. Operates advisor networks placing insurance, mortgages, and wealth products — a structurally comparable intermediary to Winners Group, though at much larger scale.
• Broker Trust: Polish independent financial intermediary network distributing insurance and investment products from multiple providers. Operates in one of Winners Group's core CEE markets with a comparable multi-partner, multi-product intermediation model.
• Deutsche Vermögensberatung (DVAG): Germany's largest independent financial advisory network with a partner/agent distribution model covering insurance, investments, mortgages, and financial planning. Closely comparable to Winners Group's Business Partner network economics and product breadth, though focused on the German/Austrian home market.
• Fincentrum & Factoring: Czech Republic-headquartered financial intermediary group distributing mortgages, insurance, and investments through affiliated advisors. Directly comparable to Winners Group in CEE retail financial intermediation, operating in an adjacent Czech/Slovak market with similar regulatory framework.
• Partners Financial Services (Czech): Czech financial advisory group with a network-based distribution model for insurance, mortgages, and investment products. Closely analogous to Winners Group's Business Partner approach in the adjacent Czech/Slovak retail financial services market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/winnersgroup.sk
• LinkedInlinkedin.com/company/winners-group

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Winners Group