RISK Insurance
RISK Insurance is a Dutch InsurTech service provider combining volmacht underwriting authority, a cloud-based API platform (200+ APIs), and multi-channel distribution. It serves insurance advisors via Subliempakket SaaS, enterprise partners through embedded APIs, and consumers through owned comparison and fintech labels including Dyme.
- Company typePrivate
- Founded2000
- HeadquartersNieuwegein, Netherlands
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What RISK Insurance does
RISK Insurance (legal entity: Risk Groep B.V.) is a Dutch InsurTech service provider founded in 2000 and headquartered in Utrecht, with additional offices in Amsterdam and Zwolle and approximately 150 employees. The company operates a vertically integrated model combining volmacht (authorized underwriting agent) authority, a cloud-based technology platform, and multi-channel distribution. It serves Dutch insurance advisors and intermediaries through its Subliempakket software (tiered SaaS subscriptions from €32.50 to €122.50 per month), large financial institutions via 200+ plug-and-play APIs across 30+ product categories, and end consumers through owned labels including Overstappen.nl, Autoverzekering.nl, De Krediet Makelaar, Finckers, and the recently acquired Dyme app (600,000+ users).
The underlying technology is a cloud-based platform with RESTful architecture and AFD 2.0 compliance for financial sector integration. RISK holds an official PSD2 license from De Nederlandsche Bank enabling bank account data access for financial insights, and is registered with the AFM (registration 12012535). The platform exposes 200+ APIs spanning insurance (auto, home, contents, legal aid, travel, scooter, bike), energy, credit, and healthcare products, with underwriting partnerships spanning 20+ carriers including Allianz, Nationale Nederlanden, asr, Chubb, Hiscox, DAS, FBTO, and Klaverblad. Embedded CRM integrations with six Dutch advisor platforms (GetMore, Faster Forward, SUPP, Assu, AssuPortal, NHB) create workflow lock-in, while AI/LLM capabilities are layered onto claims processing, product recommendation, and financial content generation.
RISK generates revenue through five primary streams: SaaS subscriptions (Subliempakket), insurance commissions as a volmacht agent, credit intermediation commissions via De Krediet Makelaar (15+ lenders, 1,500+ advisors), API and embedded insurance transaction fees (enterprise clients include ABN AMRO and Consumentenbond), and consumer-facing revenue through comparison and switching labels. Named enterprise customers span banking (ABN AMRO), insurance (FBTO, SureBird), consumer organizations (Consumentenbond), and fintech (Woolsocks, Geld.nl). The company is privately held with no disclosed external funding or institutional investor ownership, operates exclusively in the Netherlands, and has accelerated partnership and M&A activity through 2024-2025.
RISK Insurance firmographics
Firmographics- Name
- RISK Insurance
- Legal name
- Risk Groep B.V.
- Website
- https://risk.nl
- Company type
- Private
- Founded year
- 2000
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- RISK Insurance is a Dutch InsurTech service provider combining volmacht underwriting authority, a cloud-based API platform (200+ APIs), and multi-channel distribution. It serves insurance advisors via Subliempakket SaaS, enterprise partners through embedded APIs, and consumers through owned comparison and fintech labels including Dyme.
- Ownership category
- akta.pro rank
RISK Insurance industry classification
Industry- Product category
- Insurance Technology Services
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (52421), Insurance Carriers (5241)
- SIC
- Insurance Agents, Brokers & Service (6411), Insurance Carriers, Nec (6399)
- akta.pro primary industry
- Policy Administration, Underwriting & Rating Platforms (Core Insurance SaaS) (FSAGAGAB)
- akta.pro secondary industries
- Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ), Data, Analytics & AI for Insurance (Risk, Pricing, Personalization) (FSAGAGAE)
Keywords
Where RISK Insurance is headquartered
LocationHeadquarters
- HQ city
- Nieuwegein
- HQ country
- Netherlands
- HQ region
- Europe
Offices3 records
Markets served
RISK Insurance business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Infrastructure, Marketing or Sales
Revenue model
- Software Subscription (Subliempakket): Monthly subscription fees for cloud-based software packages providing access to insurance, energy, and credit comparison tools. Pricing tiers (Start €32.50, Grow €62.50, Scale €122.50 per month) provide recurring revenue based on package level and number of users.
- Insurance Commission: RISK acts as a gevolmachtigd agent (authorized agent) earning commissions on insurance policies distributed through its platform. Commission revenue from multiple insurance partners including Allianz, Nationale Nederlanden, asr, Chubb, and others.
- Credit Intermediation: Through De Krediet Makelaar label, RISK facilitates consumer and business loans earning commissions from 15+ lending partners. Full service from application to completion is handled.
- API and Integration Fees: Transaction and usage-based fees from API integrations with platforms, banks, and digital partners. Partners pay for access to insurance products, credit solutions, and comparison tools embedded in their platforms.
- Embedded Insurance: Revenue from embedding insurance products in third-party sales processes, earning per-transaction fees for policy issuance, fraud checks, and policy management.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Start package - basic digital advisory practice |
| Subscription | Monthly | Grow package - scaling advisory offices |
| Subscription | Monthly | Scale package - unlimited scaling |
Go-to-market motion4 records
Distribution channels5 records
Marketing channels4 records
RISK Insurance product offering
Product offeringCore offering
RISK Insurance is a Dutch InsurTech service provider that combines insurance underwriting authority (volmacht) with a cloud-based technology platform to distribute insurance, credit, and energy products. It serves insurance advisors through a tiered SaaS platform (Subliempakket), provides 200+ Plug & Play APIs and embedded insurance solutions to banks and digital platforms, and operates consumer-facing comparison labels including Overstappen.nl, Autoverzekering.nl, and Dyme.
Product overview
RISK Insurance operates as an InsurTech service provider with a modular platform architecture combining core software products (WebOffice, Subliempakket), API products (Embedded Insurance, API Suite, PSD2 Services), and consumer-facing labels (Overstappen.nl, Autoverzekering.nl, De Krediet Makelaar, Dyme). The platform serves financial advisors through three tiers of WebOffice software packages (Start, Grow, Scale) providing access to 20+ underwriting partnerships and 200+ APIs. Consumer labels operate as white-label or owned brands, while the API Suite enables third-party platforms to integrate insurance, energy, and credit products. The Dyme acquisition added 600,000+ consumer users, and PSD2 services enable financial insights through De Nederlandsche Bank-licensed data access.
Differentiator
Problem solved
Functional benefit
Brands
- Overstappen.nl: Smart comparison and switching platform for financial products
- Autoverzekering.nl
- EasySwitch.nl
- Hypotheekadvies.nl
- De Krediet Makelaar
- Dyme
- Finckers
- RISK Direct
Products and services
- Subliempakket / WebOffice Cloud-based, three-tier SaaS platform (Start €32.50/month, Grow €62.50/month, Scale €122.50/month) that lets insurance advisors compare and purchase insurance, energy, and credit products on behalf of their clients. Includes private and commercial underwriting, policy postbank, digital policy folder, energy and health comparators, and white-label branding.
- RISK API Suite 200+ Plug & Play RESTful APIs across 30+ product categories covering insurance (auto, home, contents, legal aid, travel, scooter, bike), energy, credit, and healthcare. Enables premium calculation in around 2 minutes, with real-time fraud checks, document generation, payment processing, and AFD 2.0-compliant financial-sector integration.
- Embedded Insurance Insurance products integrated into partner sales processes, webshops, and digital platforms at the optimal moment in the customer journey. RISK manages acceptance, fraud checks, policy creation, payment, management, and data warehousing while partners retain full control of the customer experience.
- PSD2 Financial Insights Services Financial-insights service powered by RISK's official PSD2 license from De Nederlandsche Bank (DNB), including Active Financial Insight, automatic savings alerts, and lifetime event-based triggers for financial products.
- SureBase CRM-integrated insurance advisory and quotation platform providing advisors with login-based tools for application, quote, and policy administration, integrated with major Dutch advisor CRMs (GetMore, Faster Forward, Assu, SUPP, AssuPortal, Nationale Hypotheekbond).
- Polisportaal / MijnRISK Customer-facing policy portal where consumers can view and manage their insurance policies and policy documents.
- MeetingpointAdvies (MPA) AOV (occupational disability) comparison platform enabling advisors to compare rates and conditions, perform full inventory and analysis, and submit applications to connected providers.
- De Krediet Makelaar (DKM) Credit broker label providing a full range of financial products including consumer credit, business financing, and lease solutions through 15+ credit providers, serving more than 1,500 financial advisors.
- Overstappen.nl Consumer-facing comparison and switching platform for insurance and energy products with a straightforward transition process.
- Autoverzekering.nl Consumer-focused auto insurance comparison and purchase platform enabling direct coverage without intermediary detours.
- Dyme Consumer App Consumer fintech app enabling 600,000+ Dutch users to track fixed expenses, save money, cancel unnecessary subscriptions, and receive personalized financial recommendations through PSD2 integration.
Companies that use RISK Insurance
Customer profileNamed customers10 records
Segments4 records
Ideal customer profiles4 records
RISK Insurance technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
AI capability6 records
Feature5 records
RISK Insurance partnerships and signals
Strategic signalPartnerships
21 partnerships are on record, tiered core, flagship and strategic.
- HiscoxcoreStrategic volmacht partnership for specialized insurance: Professional Liability (BA), Cyber, and Directors & Officers (D&O) coverage for businesses
- DymecoreAcquired fintech app (600,000+ users) for budget management and savings. Dyme remains as brand while expanding services with RISK's expertise and underwriting authority
- TJIP (MeetingpointAdvies)coreStrategic partnership where RISK takes over administration of MeetingpointAdvies (MPA) platform for disability insurance comparisons, allowing TJIP to focus on innovation
- Klaverblad VerzekeringencoreVolmacht partnership bringing complete private and commercial insurance product line to RISK's Subliempakket platform
- DAScoreInsurance partner offering legal expense insurance products through RISK's platform
- Allianz AssistancecoreInsurance partner for assistance and travel insurance products
- Nationale NederlandencoreMajor Dutch insurer providing life and general insurance products through RISK's distribution network
- asrcoreDutch insurer providing comprehensive insurance products through volmacht partnership
- ChubbcoreGlobal insurer providing specialty insurance products including cyber and professional liability
- FBTOcoreDutch insurer using RISK's technology platform to offer behavioral-based insurance for young drivers with usage-based pricing
- ABN AMROflagshipMajor Dutch bank using RISK APIs to enable travel insurance comparison and purchase within their mobile banking app
- ConsumentenbondflagshipLeading consumer organization (500,000+ members) using RISK's embedded APIs for energy, telecom, and insurance comparisons
- Geld.nlcoreMajor financial comparison platform using RISK APIs for transparent auto insurance comparisons with full digital switching flow
- SureBirdcoreGrowing insurtech platform using full RISK API suite for travel, auto, and home insurance integration in customer journey
- GetMore SystemscoreCRM platform integration allowing advisors to calculate, request, and modify insurance directly from GetMore environment without switching platforms
- Faster ForwardcoreCRM software integration with Subliempakket embedded in Faster Forward Elements, eliminating need for multiple logins
- SUPPcoreWeb-based advisory platform with automatic synchronization between customer data and RISK's Subliempakket
- AssucoreInsurance software with full Subliempakket integration for direct quotes and policy purchase without re-login
- AssuPortalcorePortal platform with direct RISK integration for simplified insurance comparison and purchase
- Nationale Hypotheekbond (NHB)coreMortgage platform integration enabling direct damage insurance purchase within NHB software environment
- Verbond van VerzekeraarsstrategicAssociate Partner in the Dutch Insurance Association, contributing to innovation, digitalization, customer trust, and future-proofing discussions
Scale indicators12 records
Recent moves8 records
Expansion highlights6 records
RISK Insurance competitors and assessment
Company assessmentDirect peers
- ANVA: ANVA is a Dutch insurance software provider offering policy administration and CRM solutions to advisors and intermediaries. Like RISK, ANVA serves the Dutch advisor market with workflow tools, making it the closest domestic SaaS competitor to Subliempakket.
- Tiekto: Tiekto is a Dutch InsurTech offering digital insurance comparison and advisory tools. Like RISK's consumer-facing labels (Overstappen.nl, Autoverzekering.nl), Tiekto competes in the Dutch insurance comparison and switching market with similar advisor and consumer GTM.
- Defam: Defam is a Dutch insurance technology company providing software and back-office services to insurance intermediaries. Comparable to RISK in serving Dutch advisors with digital tooling and portfolio management capabilities.
- Cover Genius: Cover Genius provides an embedded insurance API platform for digital partners globally. Comparable to RISK's 200+ API embedded insurance offering, with similar B2B2C distribution model and product breadth across multiple insurance lines.
- iptiQ by Swiss Re: iptiQ is Swiss Re's white-label insurance platform enabling partners to launch and distribute insurance products. Highly comparable to RISK's embedded insurance and volmacht proposition, serving partners who want branded insurance without carrying underwriting risk themselves.
Broad incumbents
- Lemonade: Lemonade is a publicly-traded AI-driven digital insurance carrier serving multiple geographies. Comparable to RISK in its AI/tech-forward insurance approach, but at much larger scale and as a direct carrier rather than an intermediary platform.
Emerging players
- Bought By Many (Many Pets): Bought By Many/Many Pets is a digital-first insurance provider using technology and data to offer niche insurance products directly to consumers. Comparable to RISK's consumer labels in tech-led customer acquisition, though focused on pet insurance rather than multi-product distribution.
- Branch Insurance: Branch is an InsurTech that bundles home and auto insurance through a digital platform using data-driven pricing. Comparable to RISK in combining embedded insurance distribution with proprietary technology infrastructure serving partner platforms.
Market position
Strengths5 records
Weaknesses1 record
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
RISK Insurance social profiles
Digital presenceRISK Insurance compliance and trust
Trust signalCompliance2 records
RISK Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
RISK Insurance leadership team
Management profileNumber of profiles
Profiles7 records
RISK Insurance subsidiaries and ownership
Company hierarchySubsidiaries3 records
RISK Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
RISK Insurance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about RISK Insurance
What does RISK Insurance do?
RISK Insurance is a Dutch InsurTech service provider that combines insurance underwriting authority (volmacht) with a cloud-based technology platform to distribute insurance, credit, and energy products. It serves insurance advisors through a tiered SaaS platform (Subliempakket), provides 200+ Plug & Play APIs and embedded insurance solutions to banks and digital platforms, and operates consumer-facing comparison labels including Overstappen.nl, Autoverzekering.nl, and Dyme.
Is RISK Insurance a public or private company?
RISK Insurance is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was RISK Insurance founded?
RISK Insurance was founded in 2000. It employs 101 to 250 people.
Where is RISK Insurance based?
RISK Insurance is headquartered in Nieuwegein, Netherlands, in the Europe region.
How does RISK Insurance make money?
Five revenue lines are on record. Software Subscription (Subliempakket) is the primary driver. The others are insurance Commission, credit Intermediation, API and Integration Fees and embedded Insurance.
Who are RISK Insurance's main competitors?
Direct peers on record are ANVA, Tiekto, Defam, Cover Genius and iptiQ by Swiss Re. Lemonade is listed as a broad incumbent. Emerging players are Bought By Many (Many Pets) and Branch Insurance.
Does RISK Insurance have an API?
Yes. RISK offers 200+ Plug and Play APIs in 30+ product categories including insurance products (auto, home, contents, legal aid, travel, scooter, bike), energy, credit, and healthcare. The APIs enable rapid integration allowing premium calculation within 2 minutes, complete application process, real-time fraud checks, document generation, and payment processing. RESTful architecture with AFD 2.0 compliance ensures seamless connection to the financial sector. APIs support full control over front-end and customer journey while utilizing RISK's cloud-based platform. Developer documentation is at www.risk.nl/api/api-koppelingen.
What industry is RISK Insurance in?
RISK Insurance's product category is Insurance Technology Services. Its primary akta.pro industry code is FSAGAGAB, Policy Administration, Underwriting & Rating Platforms (Core Insurance SaaS), with a secondary code of FSAEADAJ, Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines). Its NAICS code is 5242 and its SIC code is 6411.