What Partners Financial Services does

Partners Financial Services is the largest independent financial advisory company in the Czech Republic, founded in 2007 and headquartered in Prague. The company operates a hybrid advisor-network and digital-platform model, serving approximately 184,000 Czech households through more than 2,000 independent financial advisors deployed across 170+ physical branches. Advisors provide cross-product financial planning spanning mortgages, life and non-life insurance, investments, pensions, and banking, sourced from a panel of 50+ partner financial institutions as well as from the group's proprietary product set. The model emphasizes objectivity through equal commission rates across all products and biennial portfolio reviews that anchor long-term client relationships.

Name

Partners Financial Services

Legal name

Partners Financial Services, a.s.

Website

https://partners.cz

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Partners Financial Services is the largest independent financial advisory company in the Czech Republic, serving approximately 184,000 households through 2,000+ advisors across 170+ branches with a vertically integrated product set spanning banking, insurance, pensions, and investments.

Ownership category

akta.pro rank

Product category

Independent Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940), Agencies, Brokerages, and Other Insurance Related Activities (5242), Depository Credit Intermediation (5221), Funds, Trusts, and Other Financial Vehicles (525)

SIC

Investment Advice (6282), Insurance Agents, Brokers & Service (6411), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Independent Broker-Dealer / Registered Representative Networks (FSAEACAG)

akta.pro secondary industries

Private Banking Advisory & Discretionary Portfolio Management (FSABADAD), Debt & Capital Advisory (Debt Raising, Refinancing, Private Credit) (BPAHAOAD)

Keywords

• Independent financial advisory
• Mortgage brokerage services
• Life insurance distribution
• Investment fund management
• Retail banking services

Headquarters

HQ city

Prague

HQ country

Czechia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Financial Advisory Commissions: Partners earns commissions from financial institutions (insurance companies, investment companies, banks) for products placed through its advisor network. Commissions are equal across all products to ensure objectivity.
2. Insurance Products: Life and non-life insurance intermediation through a network of advisors, including proprietary products such as Simplea insurance.
3. Investment Products: Distribution of investment funds and products, including proprietary funds managed by Partners Investment Company, with no entry fees for clients.
4. Mortgage and Lending: Mortgage intermediation through a partnership with Gepard Finance and advisory on personal loans and credits.
5. Banking Services: Partners Banka, a proprietary retail bank launched March 2024, providing comprehensive banking services to clients.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

Partners Financial Services operates the largest independent financial advisory network in the Czech Republic, with over 2,000 advisors placing clients into mortgages, life and non-life insurance, investment funds, pensions, and banking products drawn from 50+ partner institutions and proprietary subsidiaries. Its offering combines personalised advisory delivered through 170+ branches and a digital channel (mobile app and comparator) with proprietary licensed products under Simplea (life insurance), Rentea (pensions), Trigea (real estate), Partners investiční společnost (mutual funds), and Partners Banka (banking).

Product overview

Partners Financial Services is the largest independent financial advisory company in the Czech Republic, operating as a platform-plus-advisor-network model. The core offering centers on financial advisory services from over 2,000 independent advisors who provide objective recommendations from the entire market through partnerships with 50+ financial institutions. The company has built an ecosystem of proprietary products including Partners Banka (first advisory bank launched March 2024), Simplea (life insurance with 99% guarantee), Rentea (pension savings), Trigea (real estate fund), and Partners investiční společnost (investment funds without entry fees). Additional proprietary offerings include alternative investment funds (Merity, Partners Alternative Strategies, Aspire 11, Ambeat Care) for qualified investors, and the Partners mobile application for portfolio management. The advisory network is supported by the Partners aplikace (client portal and mobile app), Gepard Finance partnership for mortgages, and a financial literacy education program.

Differentiator

Problem solved

Functional benefit

Brands

• Partners investiční společnost: Proprietary investment fund management company offering funds without entry fees.
• Partners Banka
• Simplea
• Rentea
• Trigea
• Merity
• Ambeat Care
• Partners HoldCo, a.s.
• NextPage media

Products and services

• Financial Advisory Services Independent financial advisory services delivered through a network of over 2,000 advisors providing objective, individual, and comprehensive financial planning based on lifelong trust. Clients receive recommendations from the entire Czech market across mortgages, insurance, investments, and pensions.
• Partners Banka Banking services including accounts, payment cards, transfers, and loans, combined with Partners' advisory model as the first advisory bank in the Czech Republic.
• Mortgage Brokerage Mortgage brokerage through Partners advisors selecting the best mortgage from a network of 50+ financial institutions, including offerings via the Gepard Finance partnership.
• Life Insurance (Životní pojištění) Life insurance advisory and intermediation, including proprietary Simplea policies offering claims-payment coverage in 99% of cases, plus offerings from Allianz, Kooperativa, UNIQA, MetLife, and other partner insurers.
• Pension Savings (Penzijní spoření) Supplementary pension savings with state contributions and loyalty bonuses, distributed through Partners advisors via Rentea and other providers.
• Investment Products (Investice) Mutual funds and investment products managed by Partners investiční společnost, available from 500 CZK monthly with no entry fees, plus offerings from partner institutions including Amundi, Conseq, and BlackRock.
• Bank Accounts and Banking Services Free bank accounts with worldwide ATM withdrawals, payment cards, and money transfers offered through Partners Banka and partner banks such as UniCredit.
• Vehicle Liability Insurance (Povinné ručení) Mandatory vehicle liability insurance brokerage with regular contract reviews to ensure clients remain on competitive terms from partner providers.
• Loans and Credits Personal loan and credit brokerage, including consolidation of unfavourable existing loans into cheaper alternatives, delivered through the Partners advisor network.
• Partners Mobile Application Mobile and web application offering a consolidated view of clients' financial contracts, investments, insurance, and loans across providers, with online comparison and subscription functionality for insurance and financial products.
• Alternative Investment Funds Alternative investment opportunities in private markets — private equity, venture capital, private debt, and real estate development — offered to qualified investors through Aspire 11, Merity, Ambeat Care, and Partners Alternative Strategies funds.
• Financial Literacy Programme (Finanční gramotnost) Non-profit financial education programme providing free training to children, parents, seniors, and employees through certified lecturers across the Czech Republic.

Quantifiable outcome

• Every tenth mortgage in Czech Republic is processed through Partners
• +2 more outcomes

Named customers6 records

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Nine partnerships are on record, tiered core.

• Gepard Finance, a.s.coreChannel Partner/ Reseller/ Distributor · 1 April 2024Strategic partnership formed April 2024 with mortgage specialist Gepard Finance to create a leading mortgage intermediation business. Partners advisors act as bound agents of Gepard Finance for loans and related deposit products, bringing Gepard's mortgage products alongside Partners' existing offerings.
• Over 50 financial institutionscoreChannel Partner/ Reseller/ DistributorPartners cooperates with more than 50 financial institutions including Allianz, Kooperativa, UNIQA, MetLife, ČPP, Direct Pojišťovna, Amundi, Conseq, BlackRock, and others. These institutions provide the financial products (insurance, investments, banking) that Partners advisors offer to clients.
• Pavel Mucha (Aspire 11)coreStrategic or Co-development PartnerPavel Mucha, a venture capital investor since 2010, co-founder of KAYA VC and Orbit Capital, partnered with Partners on the Aspire 11 fund-of-funds targeting qualified investors. Pavel brings deal flow and access to top venture capital funds and direct investments.
• NextPage MediacoreStrategic or Co-development PartnerPartners acquired NextPage Media, which owns major Czech financial media properties Peníze.cz (largest Czech personal finance website), Peniaze.sk (Slovakia), Finmag.cz, and Heroine.cz. These serve both as content marketing channels and standalone media businesses.
• Simplea (life insurance company)coreOEM/ Whitelabel/ Licensing PartnerSimplea is Partners' proprietary life insurance company established in 2020, offering the 'first insurance that guarantees claims payment in 99% of cases.' Products are distributed exclusively through the Partners advisor network.
• Partners Investment Company (Partners investiční společnost)coreOEM/ Whitelabel/ Licensing PartnerPartners' proprietary investment management company founded in 2011, offering mutual funds with zero entry fees. Distributed exclusively through the Partners advisor network.
• Rentea (pension company)coreOEM/ Whitelabel/ Licensing PartnerPartners' proprietary supplementary pension savings company established in 2021, offering supplementary pension savings with state contributions and exceptional loyalty bonuses.
• Trigea (real estate fund)coreOEM/ Whitelabel/ Licensing PartnerPartners' proprietary real estate fund investing in commercial properties, offering conservative real estate investments with potential 6% p.a. yield. Also includes the Ambeat Care fund for senior care facilities.
• Partners BankacoreOEM/ Whitelabel/ Licensing PartnerPartners Banka is Partners' proprietary bank, launched March 2024 under a Czech National Bank license obtained in autumn 2023. Positions itself as the 'first advisory bank' in the Czech Republic.

Scale indicators6 records

Recent moves14 records

Expansion highlights6 records

Broad incumbents

• Česká spořitelna (Erste Group): Largest Czech retail bank by customers, owned by Erste Group. Competes with Partners Banka across deposits, payments, mortgages, and investment distribution. Overlaps with Partners' banking, mortgage, and investment product lines but operates as a full-service universal bank rather than an advisory-led distributor.
• ČSOB (KBC Group): Top-3 Czech bank owned by Belgian KBC, offering retail banking, mortgages, insurance (ČSOB Pojišťovna), and asset management. Direct competitor to Partners Banka and the broader Partners ecosystem, with comparable banking-plus-insurance cross-sell motion.
• Komerční banka (Société Générale): Major Czech universal bank, majority-owned by Société Générale. Directly overlaps Partners Banka and Partners Investment Company in retail banking, mortgages, and fund distribution. Operates as a broad incumbent across all Czech retail financial services rather than an independent advisory specialist.

Direct peers

• Fincentrum & Company: Czech financial advisory and comparison platform offering mortgages, insurance, and investments. Recently acquired by Société Générale. Direct competitor in the Czech Republic with similar advisor-led distribution and product comparison tools, and overlapping partnerships with the same insurance and banking providers.
• Broker Consulting: Czech financial intermediary group with a large independent advisor network distributing insurance, mortgages, investments, and banking products. Directly comparable advisor-led model, Czech-only focus, and overlapping product set including the recently launched Brokertrust pension and investment funds.
• Swiss Life Select (formerly AWD): Central European financial advisory arm of Swiss Life, operating in Czech Republic, Slovakia, and other CEE markets. Directly comparable independent advisor network distributing insurance, investment, and pension products. Head-to-head competitor in the Czech and Slovak markets Partners serves.
• OVB Holding AG: German-headquartered financial advisory group operating a cross-border independent advisor network across Western, Central, and Eastern Europe. Closely comparable to Partners in model: 2,000+ independent advisors, multi-product advisory across insurance, investments, and mortgages, with local country organizations. Direct overlap in Czech and Slovak markets.

Others

• Amundi: Europe's largest asset manager and one of Partners' 50+ product partners, distributing investment funds through the Partners advisor network. Comparable in the asset management / fund manufacturing layer of the value chain that Partners also addresses via Partners Investment Company.
• Allianz pojišťovna: One of the largest Czech insurance providers and a key product partner of Partners' advisor network, alongside Simplea. Overlaps with Partners on life and non-life insurance distribution and is comparable as a manufacturer whose products are sold through the Partners ecosystem.

Regional players

• Air Bank (PPF Group): Czech retail digital bank owned by PPF Group. Competes with Partners Banka in deposits, payments, and mortgages, with a stronger digital-first brand. Comparable Czech-only retail banking footprint and similar target customer segments to Partners Banka.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights8 records

Customer concentration

• YouTubeyoutube.com/channel/UCbX6Xa3hL6fF1vP6eJY1b8g
• Facebookfacebook.com/financniporadenstvijinak
• LinkedInlinkedin.com/company/partners-financial-services
• Instagraminstagram.com/partners_cz
• Xx.com/kohoutpavel

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries10 records

Funding overview

Funding rounds

Investors

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

M&A1 record

Investments1 record

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

Frequently asked questions about Partners Financial Services