What Triple A Risk Finance does

Triple A Risk Finance is a Dutch specialist consultancy headquartered in Amsterdam Zuidoost, delivering actuarial, risk management and financial advisory services to insurers, pension funds, pension executors, banks, and corporate clients. Founded in 2006 and operating as a subsidiary of House of Redmore (Redmore Holding BV), it serves the Dutch financial sector as its primary market and has expanded into Belgium, Germany, Poland and Spain via country-specific websites. Its offerings span actuarial calculations, Solvency II / IORP II / DORA / IFRS 17 regulatory advisory, ALM studies, ORSA support, investment consulting, pension fund certification, claims optimisation and climate risk, delivered through multidisciplinary teams of actuaries, risk professionals and data scientists.

The firm's technology backbone is a portfolio of proprietary SaaS tools: TESS for stochastic and deterministic economic scenario generation (including climate scenarios and a co-developed forward-looking library with LINKS Analytics), URM-software for sub-second pension participant recalculation under the Dutch Uniforme Rekenmethodiek, ORSA Tooling for Own Risk & Solvency Assessment, Risico Monitor dashboards for pension funds and insurers, and the Risicoprofiel 1-2-3 methodology for participant risk appetite. An Actuarial Technology team bridges actuarial science and IT, providing model development, consolidation, conversion, validation and software selection.

Revenue is generated through two streams: time-and-materials consultancy and interim management engagements (the dominant model, with entry-level consultant rate bands disclosed at €3,200–€4,000 per month) and recurring SaaS subscriptions for proprietary tooling. The go-to-market is direct enterprise sales to Dutch and European financial institutions, supported by content marketing (publications, kennisbank), seminars and LinkedIn presence. The company earned an Ecovadis Silver sustainability medal and a World Class Workplace certification, and is not publicly listed.

Name

Triple A Risk Finance

Legal name

Triple A – Risk Finance

Website

https://aaa-riskfinance.nl

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

101–250 employees

Short description

Triple A Risk Finance is an Amsterdam-based specialist consultancy delivering actuarial, risk management and regulatory advisory plus proprietary SaaS tooling to Dutch and European insurers, pension funds, pension executors and banks.

Ownership category

akta.pro rank

Product category

Actuarial and Risk Management Consulting

NAICS

Finance and Insurance (52), Portfolio Management and Investment Advice (523940)

SIC

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

akta.pro primary industry

Risk Management Consulting (Enterprise & Operational Risk) (FSAEADAG)

akta.pro secondary industry

Third-Party/Vendor Risk & Due Diligence (BPAHAFAG)

Keywords

• Actuarial consulting
• Risk management advisory
• Pension fund consulting
• Solvency compliance services
• Insurance risk analytics

Headquarters

HQ city

Amsterdam

HQ country

Netherlands

HQ region

Europe

Offices5 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Consultancy Services: Professional consulting services including actuarial advisory, risk & strategy consulting, and financial advisory for insurers, pension funds, and banks. Services include interim management and specialized advisory engagements.
2. Tooling and Software Solutions: SaaS applications and specialized software tools including URM-applicatie, ORSA tooling, Risico Monitor, and portfolio monitoring tools. Delivered as software-as-a-service solutions.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Triple A Risk Finance is a Dutch specialist consultancy delivering actuarial calculations, risk & strategy consulting, data & AI advisory, interim management, and proprietary tooling (URM-software, ORSA Tooling, Risico Monitor, and the Triple A Economic Scenario Suite) to insurers, pension funds, pension executors, banks, and corporate clients. Services cover Solvency II, IORP II, DORA, IFRS 17 compliance, capital and risk management, ALM studies, pension fund certification, climate risk, and M&A advisory across the Netherlands, Belgium, Germany, Spain, and Poland.

Product overview

Triple A Risk Finance is a specialist consultancy firm offering a comprehensive portfolio of risk management, actuarial, and technology services for insurers, pension funds, banks, and enterprises. Their offerings span consulting services (actuarial calculations, risk & strategy consulting, data & AI, investment consulting), proprietary tooling products (URM-software, ORSA Tooling, Risico Monitor, Triple A Economic Scenario Suite), and specialized solutions (Solvency II compliance, ALM studies, pension certification, climate risk, M&A advisory). The company operates as a unified platform with specialized modules addressing capital management, risk monitoring, regulatory compliance, and strategic advisory needs across the financial sector. They also maintain an exclusive partnership with LINKS Analytics for forward-looking scenario capabilities.

Differentiator

Problem solved

Functional benefit

Brands

• TESS (Triple A Economic Scenario Suite): Economic scenario generation tool for ALM studies and ORSA/ERB analyses
• Risicoprofiel 1-2-3
• URM-software

Products and services

• Actuarial Calculations (Actuariële berekeningen) High-value actuarial calculations and advisory services including solvency and capitalization analyses, insurance portfolio profitability assessment, premium setting and pricing, valuation methods, key functions and governance, Solvency II and IFRS 17 compliance, investment policy and ALM, ORSA execution, M&A support, market analysis, and actuarial certification for pension funds.
• Risk & Strategy Consulting Strategic risk management consulting for pension funds, insurers, and banks that aligns risk management, capital management, and corporate strategy, delivering expert analysis alongside advanced tools including Solvency Analytics (capital policy and management, ORSA and scenario planning, actuarial and financial risk management function), Non-Financial Risk (IT security risk scanning, risk management systems, risk strategy and appetite), and Investment Consulting (policy objective setting, ALM support, and the TESS economic scenario suite).
• Data & AI Consulting Data-driven consulting services covering claims management, data-driven continuous improvement, and insurance premium pricing, powered by data scientists, machine learning, AI capabilities, anomaly detection, and recommendation engines targeting pricing, reserving, claims handling, fraud detection, and portfolio management optimization.
• Tooling (Proprietary Software Products) Essential calculation tools for pension funds and insurers including URM-software (Uniform Calculation Method for statutory scenario amounts), Risico Monitor for pension funds (real-time interactive risk monitoring dashboard), Risico Monitor for insurers (interactive dashboard for transforming risk reporting obligations into competitive advantage), ORSA Tooling (Own Risk & Solvency Assessment tooling), and the Triple A Economic Scenario Suite (TESS) for stochastic and deterministic scenario generation.
• Actuarial Technology Services Specialized actuarial technology services that bridge actuarial science and IT, providing custom model development, software selection, conversion, stochastic model development, model Quick Scans, pre-validations, process optimizations, and consolidation to update model environments with latest technological developments and accelerate critical reporting processes.
• Pension Fund Certification (Certificering pensioenfondsen) High-quality and cost-effective actuarial certification services for Dutch pension funds including the Actuarial Declaration and Certification Report, providing statutory sign-off required under Dutch pension legislation.
• Uniform Calculation Method (URM / Uniforme Rekenmethodiek) Service Uniform Calculation Method (URM) compliance service for pension funds showing scenario amounts to participants for the financial adequacy of their pension choices, supported by the proprietary URM-software application that performs individual recalculation in a fraction of a second and compresses week-long recalculations into hours.
• Risicoprofiel 1-2-3 (Participant Risk Profiling Methodology) Methodology service for establishing participant risk appetite at pension funds, combining the Holt & Laury method, an interactive choice slider with Distribution Builder, and a semi-quantitative questionnaire to determine risk-bearing capacity of participants and set collective investment policy.
• Forward-Looking Scenarios (LINKS Analytics Partnership) Forward-looking scenario services delivered via exclusive partnership with LINKS Analytics, integrating innovative data-driven scenarios into ALM studies, ORSA, and ERB processes to provide long-term strategic vision based on realistic data unavailable through conventional scenario generators.
• M&A Advisory for Insurers (Fusies en overnames van verzekeraars) Specialized M&A advisory service for insurance companies covering portfolio valuation, business unit valuation, and complete company valuation in the context of mergers, acquisitions, and strategic transactions.
• ORSA Tooling (Own Risk & Solvency Assessment) Own Risk & Solvency Assessment tooling product enabling efficient and adequate estimation of risks and the relationship between strategy, material risks, and financial position consequences for insurers and their shareholders.
• Climate Risk Advisory (Klimaatrisico) Climate risk assessment and management service for financial institutions, supporting climate scenario integration in ALM studies, ORSA, and investment strategy under climate-related regulatory and strategic pressures.

Quantifiable outcome

• Individual URM recalculation takes a fraction of a second, enabling rapid portal calculations
• +1 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability6 records

Feature6 records

Partnerships

One partnership is on record.

• LINKS AnalyticscoreStrategic or Co-development PartnerExclusive partnership with LINKS Analytics for forward looking scenarios integration in ALM studies, ORSA, and ERB processes. LINKS Analytics provides expertise in innovative data-driven solutions for long-term strategic vision development. This partnership enables Triple A to offer unique forward looking scenario capabilities not available elsewhere in the market.

Scale indicators2 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Ortec Finance: Rotterdam-headquartered specialist in ALM, investment decision-making, and risk analytics for pension funds and insurers. Direct Dutch peer with overlapping scenario-generation, ALM, and pension risk capabilities.
• Cardano: Dutch risk and investment management consultancy serving pension funds and insurers with ALM, risk management, and fiduciary management. Highly comparable given overlapping Dutch client base and service portfolio.
• Milliman: Global actuarial and risk management consultancy with deep European practice serving insurers and pension funds. Closely comparable on actuarial, Solvency II, ALM, and pension certification services.

Broad incumbents

• Mercer: Global investment consulting and risk advisory business serving institutional investors including pension funds. Comparable on investment consulting, ALM, and risk advisory, but operates at much larger scale.
• Willis Towers Watson (WTW): Global advisory, broking, and solutions firm with strong actuarial, risk, and investment consulting practices for insurers and pension funds. Broad incumbent comparable on enterprise risk and pension advisory.
• Aon: Global risk management, insurance brokerage, and reinsurance advisory with significant European actuarial and pension risk capabilities. Comparable on enterprise risk and Solvency II advisory.
• Deloitte Risk Advisory: Big 4 risk and regulatory advisory practice covering Solvency II, IFRS 17, pensions, and financial risk management for large European institutions. Comparable on regulatory and risk advisory, though at much broader scale.
• EY-Parthenon / EY Risk: Big 4 advisory with significant European actuarial, insurance, and pension risk practices. Comparable on Solvency II, IFRS 17, ALM, and broader risk transformation engagements.
• KPMG Risk & Actuarial: Big 4 actuarial and risk advisory practice serving insurers and pension funds across Europe. Comparable on regulatory compliance, ORSA, and risk transformation work.

Emerging players

• Baringa Partners: Independent advisory firm with a strong European energy, financial services, and risk practice. Comparable on risk management consulting and scenario/analytics work, particularly for financial institutions.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/aaariskfinance
• Facebookfacebook.com/aaariskfinance
• LinkedInlinkedin.com/company/triple-a---risk-finance

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 Triple A Risk Finance