Summa Adviesgroep

Name

Summa Adviesgroep

Legal name

Summa Adviesgroep

Website

https://summa.nl

Company type

Private

Founded year

1975

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Other Insurance Related Activities (52429), Finance and Insurance (52)

SIC

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

akta.pro primary industry

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)

Keywords

• Insurance advisory
• Mortgage advice
• Financial planning
• Business insurance
• Personal insurance

Headquarters

HQ city

Limburg

HQ country

Germany

HQ region

Europe

Offices7 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Advisory and Broking: Commission-based revenue from advising on and broking insurance products including health, property, motor, liability, and business insurance. Acts as intermediary between customers and insurance providers.
2. Mortgage Advisory Services: Advisory services for mortgage products, comparing rates and conditions from multiple lenders. Revenue generated through commission from financial institutions.
3. Banking Advisory: Independent advisory services for ASN Bank products including payment accounts, savings, and mortgages.
4. Financial Planning Services: Advisory services for pension planning, income protection, and wealth management.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels5 records

Core offering

Summa Adviesgroep is an independent Dutch financial advisory firm that advises individuals and businesses on insurance products (personal and commercial), mortgages, financial planning (pension, income protection, wealth), and banking services (as an independent advisor for ASN Bank). The company acts as an intermediary comparing offerings from dozens of insurers and lenders, with 70+ advisors operating across 7 office locations in Noord-Brabant and Limburg.

Product overview

Summa Adviesgroep is a comprehensive financial advisory firm offering a unified portfolio of insurance, mortgage, and financial planning services. The core offering consists of insurance advisory (verzekeringsadvies) for both personal and business clients, mortgage advisory (hypotheekadvies) with comparisons across dozens of lenders, and general financial planning (financieel advies) covering pensions, income protection, and wealth building. The company operates two distinct sub-brands: Summa & Partners (launched 2023) focuses on entrepreneurial commercial insurance advisors, while Acura Assuradeuren handles complex large-commercial (beursverzekeringen) and reinsurance business. Services are delivered through multiple locations across North Brabant and Limburg, supported by self-service capabilities (Zelf Regelen) for policy management and a dedicated claims reporting function (Schade Melden). The company also distributes ASN Bank products as a self-employed advisor and offers bundled package insurance (pakketpolis) with up to 10% discount for multi-coverage customers.

Differentiator

Problem solved

Functional benefit

Brands

• Acura: Part of Summa Groep handling beursverzekeringen (exchange/reinsurance) activities
• Summa & Partners
• Summa Pakketpolis

Products and services

• Verzekeringsadvies (Insurance Advisory) Insurance advisory services for both personal (particulier) and business (zakelijk) clients, covering home, auto, health, travel, liability, legal, accident, cyber, and other insurance types. Independent comparison across multiple insurers.
• Hypotheekadvies (Mortgage Advisory) Mortgage advisory services including rate comparisons across dozens of lenders, maximum borrowing calculations, and personalized mortgage advice for home purchases and refinancing.
• Financieel Advies (Financial Planning) Personal financial planning services including pension planning, income protection, savings, and wealth building advice for individuals and entrepreneurs.
• Zakelijke Verzekeringen (Business Insurance) Comprehensive business insurance solutions including absence/illness, liability, cyber, inventory, environmental damage, property, transport, legal, business continuity, and travel insurance.
• Grootzakelijke Verzekeringen / Beursverzekeringen (Large Commercial Insurance via Co-Assurance Exchange) Large-scale commercial insurance distributed via co-assurance exchanges, placing complex risks across multiple insurers. Handled by Acura Assuradeuren B.V. as beursmakelaar (exchange broker), member of Vereniging Nederlandse Assurantie Beurs.
• Financieringen Zakelijk (Business Financing) Business financing services for entrepreneurs including loan advice and financial solutions.
• ASN Bank Diensten (ASN Bank Advisory) Independent advisory services for ASN Bank products, offering the full ASN package including payment accounts, savings, and mortgages.
• Summa & Partners Partner initiative launched in 2023 enabling entrepreneurial advisors to start their own business with the support and network of Summa Adviesgroep, providing commercial insurance with personal contact and advice.
• Acura Assuradeuren Subsidiary handling beurs/exchange insurance activities within Summa Groep, specializing in complex commercial risks distributed through co-assurance arrangements on the Dutch insurance exchange.

Quantifiable outcome

• Package discount up to 10% when combining multiple insurance modules

Named customers4 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature3 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• Summa & PartnerscoreStrategic or Co-development Partner · 1 January 2023Subsidiary initiative launched in 2023 enabling entrepreneurial advisors to partner with Summa Adviesgroep. Provides opportunity for advisors to start their own business with Summa's support and network. Part of Summa Groep ecosystem.
• ASN BankcoreChannel Partner/ Reseller/ DistributorSumma Adviesgroep is an independent advisor of ASN Bank, offering the complete ASN package including payment, savings, and mortgage products. Acts as a referral and advisory partner directing customers to ASN Bank services.
• Kifid (Klachteninstituut Financiële Dienstverlening)minorOthersExternal complaints resolution body for financial services disputes. Summa Adviesgroep is registered with Kifid (number 300.008219) as required for Dutch financial service providers. Customers can escalate complaints after internal resolution fails.
• Acura AssuradeurencoreStrategic or Co-development PartnerSister company within Summa Groep handling large commercial and reinsurance risks (beursactiviteiten). Acura provides exchange broker services for complex commercial insurance needs.
• Vereniging Nederlandse Assurantie Beurs (VNAB)minorOthersDutch Insurance Exchange Association. Summa & Partners / Acura operates as beursmakelaar (exchange broker) and is a member of this association for co-assurance market activities.
• NBOV VerzekeringenminorChannel Partner/ Reseller/ DistributorNetwork of specialized insurance offices with fixed and recognizable contact points. Summa & Vos is affiliated with NBOV Verzekeringen, providing collective solutions and specialized knowledge for specific industries like bakeries.
• Hommeles ExpertiseminorImplementation/ SI/ Consulting PartnerExpertise company providing claims handling support for large calamities and emergencies. Available 24/7 for emergency damage situations requiring immediate response.
• AutotaalglasminorImplementation/ SI/ Consulting PartnerAuto glass repair partner for vehicle glass damage claims. Customers can contact directly without separate claim notification to Summa.
• Van Mossel Autoschade GroepminorImplementation/ SI/ Consulting PartnerAuto damage repair partner for vehicle repair services. Alternative to Autotaalglas for auto glass and body damage repairs.
• Insurance Partners (Multiple)coreTechnology or IntegrationExtensive network of insurance company partnerships including Hiscox, Chubb, Allianz, a.s.r., National Nederlanden, Lloyd's, Markel, and 30+ other insurers for placing commercial and personal insurance coverage.

Scale indicators6 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• De Hypotheker: National Dutch franchise specializing in mortgage and insurance advisory through a branch network. Directly comparable to Summa's hypotheekadvies-led model with cross-sold personal insurance and multi-provider comparison approach.
• Hypotheek Visie: Dutch mortgage and insurance advisory franchise with a branch network across the Netherlands. Comparable to Summa in its multi-office advisory model and integrated mortgage plus insurance value proposition.
• D&U Adviesgroep: Dutch independent financial advisory firm offering insurance, mortgage, and financial planning services. Directly comparable in scope of services and target customer segments (consumers and SMEs).
• Huis & Hypotheek: Dutch franchise network providing independent mortgage and insurance advice. Comparable to Summa as an independent advisor comparing multiple lenders and insurers through localized offices.
• Veldsink Adviesgroep: Large Dutch independent financial advisory group offering insurance, mortgage, and financial planning services through a regional branch network. Closely comparable to Summa in business model, multi-office distribution, and integrated personal/business advisory offering.

Emerging players

• Independer: Dutch online comparison platform for insurance and financial products. Represents the digital-first, self-serve model that competes with Summa's advisory-led proposition, particularly in commoditized personal lines and mortgages.

Broad incumbents

• Univé: Large Dutch insurance cooperative offering personal and business insurance products. Comparable to Summa as a broader incumbent in the Dutch insurance market, with overlapping product categories but a different member-owned distribution model.
• Rabobank: Major Dutch bank offering mortgages, insurance, and financial planning services. Comparable as a broad incumbent that competes with Summa's integrated personal finance offering but at significantly larger scale and through digital plus branch channels.
• a.s.r. Major Dutch insurance company offering life, non-life, and pension products distributed through independent advisors. Comparable as a key carrier partner and broad incumbent whose products Summa distributes while competing in adjacent segments.
• ING Nederland: Large Dutch bank with mortgage, insurance, and wealth advisory products. Overlaps with Summa's integrated advisory proposition but competes primarily through digital channels rather than local face-to-face advice.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries2 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 Summa Adviesgroep