What FondsKonzept AG does

FondsKonzept AG is a German broker pool (Maklerpool) founded in 2000 and headquartered in Dietenheim, Baden-Württemberg, serving independent financial advisors and insurance intermediaries across Germany and Austria. Its core product is smartMSC, an in-house-developed web-based CRM, advisory, and sales platform used by more than 5,000 financial professionals, which consolidates customer relationship management, investment advisory, insurance brokerage, and financing administration into a single fully digital architecture. The platform is built around deep third-party integrations: 80 self-programmed BiPRO interfaces connect the platform to insurance carriers (including Allianz, AXA, HDI, ERGO, Canada Life, VHV and Volkswohl Bund) for automated document, policy, and claims data exchange, alongside bidirectional links to NAFI (motor insurance), Thinksurance (commercial insurance), fb>xpert, SmartConsult, Mr. Money, Softfair, Innosystems, Comparit, FFB fund platform, PSD2 multibanking, and the FinanzPlaner Online DIN 77230-certified analysis tool.

The revenue model is a broker-pool subscription structure with quote-based annual platform fees for financial advisors (Finanzanlagevermittler) and insurance intermediaries, complemented by transaction and settlement processing, add-on revenue from sub-brands (FinanceCloud customer portal, FinanceApp mobile, FinanceScreen video consultation, FondsShop online fund shop, Maklerwebseiten website packages), and managed-services revenue from the WealthKonzept fund-based wealth management subsidiary and FondsKonzept Assekuranzmakler GmbH insurance brokerage subsidiary. Pricing for core platform services is quote-only and disclosed only on request through three regional Vertriebsmanager (Nord/West, Süd/West, Süd/Ost), while the Maklerwebseiten add-on ranges from a 299 EUR Bronze setup to a 899 EUR plus 119 EUR/month Gold subscription; NAFI licenses are sold at a 50% partner discount.

Go-to-market is sales-led with an event-heavy engagement layer: regional partner managers conduct personalized 'Take-off' conversations and platform demonstrations, supported by approximately 35 annual touchpoints including Top Events, the Akademie (5 cities), 7 Investmentstammtische, Versicherungs-Präsenztage, and recurring smartMSC webinars. Distribution is domestic (German, with select Austrian presence via a dedicated Austria board member) and accessed via direct sales plus a self-service partner portal. The company holds ISO 27001 information security certification, the BiPRO Top-Anwender seal, MiFID II/FinVermV compliance for video consultation, GDPR-compliant processing, and gut beraten continuing-education accreditation. A planned AI assistant called finia is positioned as a text-based advisory sparring partner inside smartMSC. The company is structured as a private Aktiengesellschaft (no public listing identified), with revenue, headcount, and ownership not publicly disclosed.

Name

FondsKonzept AG

Legal name

FondsKonzept AG

Website

https://fondskonzept.ag

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

11–50 employees

Short description

FondsKonzept AG is a German broker pool (Maklerpool) headquartered in Dietenheim that provides the smartMSC CRM and advisory platform to more than 5,000 independent financial advisors and insurance intermediaries, integrated with 80 BiPRO insurance carriers and multiple product comparison tools. Its revenue comes from subscription fees on the smartMSC platform, add-on modules (FinanceCloud, FinanceApp, FinanceScreen, FondsShop), and wealth-management services via its WealthKonzept subsidiary.

Ownership category

akta.pro rank

Product category

Financial Advisor Broker Pool Software

NAICS

Portfolio Management and Investment Advice (523940), Portfolio Management and Investment Advice (52394), Computer Systems Design and Related Services (54151)

SIC

Investment Advice (6282), Security Brokers, Dealers & Flotation Companies (6211)

akta.pro primary industry

Digital Wealth Platforms for Advisors (TAMP/Advisor Tech) (FSAGAEAH)

akta.pro secondary industries

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI), Business Owner & Executive Financial Planning (FSAEAAAO)

Keywords

• Broker pool software
• Financial advisor CRM
• Insurance intermediary platform
• BiPRO integration services
• Wealth management technology

Headquarters

HQ city

Illertissen

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Broker Pool Services: FondsKonzept operates as a broker pool (Maklerpool) providing technology platform access, administrative services, and product access to independent financial advisors and insurance intermediaries. Revenue is derived from service fees charged to broker partners for platform usage, transaction processing, and value-added services.
2. Wealth Management Services: WealthKonzept brand provides fund-based asset management services to broker partners and end customers, including portfolio management and administration.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels12 records

Core offering

FondsKonzept AG operates a broker pool (Maklerpool) providing the in-house developed smartMSC software platform—an all-in-one CRM, advisory, and sales system for investment, insurance, and financing—combined with administrative services, product access, and training to independent financial advisors and insurance intermediaries. The offering is complemented by end-customer tools (FinanceCloud, FinanceApp, FinanceScreen), BiPRO-integrated workflow automation across 80 insurers, comparison calculators, broker website packages, and a wealth management subsidiary (WealthKonzept).

Differentiator

Problem solved

Functional benefit

Brands

• smartMSC: All-in-one CRM, advisory and sales software for financial service providers, banks and distribution networks. The core software platform used by over 5,000 users for managing customer relationships, insurance and investment business processes.
• FinanceCloud
• FinanceApp
• FinanceScreen
• FondsShop
• WealthKonzept

Products and services

• smartMSC (Maklerservicecenter Next Generation) All-in-one CRM, advisory, and sales software platform for financial service companies, banks, and distribution networks. Serves as the central database for customer management and business process monitoring with workflow management and compliance with all legal requirements, used by more than 5,000 users.
• WealthKonzept Wealth management subsidiary handling fund-based asset management and advisor support for broker partners and their end-customers, including discretionary portfolio management and administration.

Quantifiable outcome

• Processing times reduced through automated workflows and digital processes
• +1 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration21 records

AI capability2 records

Feature7 records

Partnerships

15 partnerships are on record, tiered core and minor.

• BiPRO (Brancheninstitut für Prozessoptimierung)coreTechnology or IntegrationBiPRO is a neutral organization of the financial services industry that develops technical and process standards. FondsKonzept holds the BiPRO Top-Anwender seal and implements BiPRO Norm 430 (digital postbox), Norm 440 (external navigation), and Norm 430.4 (contract data updates). The partnership provides automated data exchange with 80+ insurance companies.
• AllianzcoreTechnology or IntegrationAllianz insurance company integrated via BiPRO for automated document and data exchange through the smartMSC platform.
• AXA Versicherung AGcoreTechnology or IntegrationAXA insurance integrated via BiPRO with both Norm 430 (digital postbox) and Deeplink (Norm 440) for automated data exchange.
• HDIcoreTechnology or IntegrationHDI insurance company integrated via BiPRO with digital postbox and deeplink capabilities for automated document exchange.
• Volkswohl Bund VersicherungencoreTechnology or IntegrationVolkswohl Bund insurance integrated via BiPRO with digital postbox and deeplink for automated data exchange and document retrieval.
• VHVcoreTechnology or IntegrationVHV insurance company integrated via BiPRO for automated document exchange and deeplink access.
• ERGO (DKV Deutsche Krankenversicherung)coreTechnology or IntegrationERGO insurance group integrated via BiPRO Norm 430 for automated document and data exchange.
• Canada LifecoreTechnology or IntegrationCanada Life insurance company integrated via BiPRO Norm 430 for automated document exchange.
• NAFI GmbHcoreTechnology or IntegrationNAFI is the market-leading online Kfz insurance comparison solution. FondsKonzept provides NAFI Pool-Edition to partners at no cost, enabling comparison of tariffs from 17 insurance companies with real-time data import to smartMSC.
• Thinksurance GmbHcoreTechnology or IntegrationThinksurance provides commercial insurance comparison platform integrated into smartMSC, enabling comparison across 60+ product lines and 50 insurers at no cost to partners.
• Smart InsurTechcoreTechnology or IntegrationProvider of SmartConsult insurance comparison tool integrated into smartMSC for property and casualty insurance comparisons.
• BMW GroupminorOthersBMW Group provides vehicle leasing through the B&K dealership network, offering corporate fleet pricing to qualified FondsKonzept broker partners. Includes BMW and MINI brands through Menton Automobilcenter and other authorized dealers.
• Alphabet Fuhrparkmanagement GmbH (BMW Group)minorOthersAlphabet Fuhrparkmanagement, a BMW Group company, provides Volvo vehicle leasing programs to qualified FondsKonzept partners. Contact through Emil Frey Avalon Premium Cars in Munich.
• BU-Expertenservice GmbHminorStrategic or Co-development PartnerBU-Expertenservice provides specialized support for disability insurance claims processing. Partners receive a 150 Euro coupon for clients upon request. The service includes certified legal advisors to accompany cases from initial notification through complex negotiations with insurers.
• AfW Bundesverband Finanzdienstleistung e.V.minorStrategic or Co-development PartnerThe leading professional association for independent financial service providers in Germany (founded 1992, representing ~40,000 brokers). Partners who register through FondsKonzept receive the first year free (annual fee 156 EUR). Provides political advocacy, member benefits, and industry representation.

Scale indicators7 records

Recent moves6 records

Expansion highlights6 records

Market position

Competitive moat5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/fondskonzept
• LinkedInlinkedin.com/company/fondskonzept-ag?originalSubdomain=de
• Instagraminstagram.com/fondskonzept.maklerpool
• TikToktiktok.com/@datensalat
• Xx.com/Fondskonzept

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 FondsKonzept AG