Financial Data

What Financial Data does

finanzdata Verbraucherorientierter Versicherungs- und Finanzmakler GmbH is an independent, privately held insurance and financial broker (Versicherungs- und Finanzmakler) headquartered in Bonn, Germany, founded in 1976 in Cologne. The firm operates as a §34d Versicherungsmakler (fiduciary broker) under supervision of the IHK Bonn/Rhein-Sieg, holding additional §34f and §34i GewO permits for financial investment and real estate loan intermediation, and is a member of the Bundesverband Deutscher Versicherungsmakler e.V. It serves private individuals and small-to-medium businesses in Germany, intermediating across a broad catalogue that includes private liability, household contents, motor, pet, accident, residential building, legal protection, health (supplementary, travel, daily sickness allowance, private health, nursing care), business liability, electronics, inventory, surety, commercial motor, business legal protection, event liability, and professional indemnity lines, plus pension and capital products covering occupational disability, income protection, basic abilities, Rürup, Riester, term life, and funeral expense insurance, alongside construction financing via more than 10 banks and Bausparkassen.

The firm has no proprietary technology platform; it runs a standard informational website (insurance encyclopedia, educational videos, topical articles, callback and appointment tools) augmented by an online service center for damage reporting, data changes, and document downloads, with back-office monitoring on Google Analytics, Google AdWords Conversion Tracking, New Relic, and Google Maps. Distribution is exclusively consultative: products cannot be purchased online, and the firm explicitly contrasts its advisory-led needs analysis (Bedarfsermittlung) with comparison portals. Revenue is generated primarily via commissions (Provisionen) embedded in insurance premiums paid by carriers upon successful placement, supplemented by performance fees (Leistungsentgelt) for real estate loan intermediation and, for certain net products (Nettoprodukte), separate fee agreements with clients; pricing is not publicly disclosed. The firm runs with roughly 9 staff under managing directors Thomas Frings and Dr. Susanne Hobbold, with no disclosed parent, external capital events, or expansion beyond the German market.

Name

Financial Data

Legal name

finanzdata Verbraucherorientierter Versicherungs- und Finanzmakler GmbH

Website

https://finanzdata.de

Company type

Private

Founded year

1976

Operating status

Operating

Headcount range

11–50 employees

Short description

finanzdata is an independent German insurance and financial broker (Versicherungsmakler) in Bonn, founded 1976, intermediating personal, health, commercial, and pension insurance plus real estate loans for private clients and SMBs via a consultative, advisory-led model with no online purchase.

Ownership category

akta.pro rank

Product category

Insurance Brokerage and Financial Advisory

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Portfolio Management and Investment Advice (523940)

SIC

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

akta.pro primary industry

Captive Insurance Advisory & Management (FSAEADAF)

akta.pro secondary industries

Registered Investment Advisor (RIA) Wealth Management (FSAEABAA), Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)

Keywords

• Insurance brokerage services
• Financial advisory services
• Consumer insurance intermediation
• Commercial insurance brokerage
• Independent insurance broker

Headquarters

HQ city

Bonn

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission (Provisions): The company earns commissions (Provision) included within insurance premiums, paid by insurance providers upon successful policy placement. This is the primary revenue stream for a Versicherungsmakler in Germany. The company states that compensation arrangements with individual insurers vary in amount. For certain 'Nettoprodukte' (net products), a separate fee agreement with the client is arranged.
2. Financial Product Advisory Fees: For financial investment products (§34f GewO) and loan intermediation (§34i GewO), compensation may be received from product providers (third parties) or directly from the client via a separate fee agreement (Vergütungsvereinbarung). Advisory and intermediary services for real estate loans are provided for more than 10 banks and building societies (Bausparkassen).
3. Loan/Darlehens Intermediation Commission: For real estate loan intermediation, the company receives a Leistungsentgelt (performance fee) from the lender upon successful loan placement. The fee may be based on gross loan amount, interest payments, or premiums, disclosed via ESIS template before contract conclusion.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

finanzdata is an independent insurance and financial broker (Versicherungs- und Finanzmakler) that intermediates insurance and financial products on behalf of clients across the German market. The company provides consultative needs analysis, market-wide product comparison, policy placement, ongoing account management, and claims support across private insurance, health insurance, commercial insurance, and pension/capital products. It is not bound to any single insurer and operates under a fiduciary duty to act in the client's interest.

Product overview

finanzdata is an independent insurance and financial broker (Versicherungs- und Finanzmakler) based in Bonn, Germany, founded in 1976. The company provides a comprehensive portfolio of insurance and financial advisory services organized across five main categories: Private Insurance (Privat-Versicherungen) including vehicle, property, liability, pet, and accident coverage; Health Insurance (Krankenversicherungen) covering travel health, supplementary, and private health plans; Business Insurance (Gewerbe-Versicherungen) for commercial liability, electronics, inventory, vehicles, and professional indemnity; Pension & Capital Products (Vorsorge & Kapital) including disability, retirement, life, and funeral insurance; and Customer Services including online damage reporting, policy change requests, appointment scheduling, and educational resources. The company operates as a broker representing multiple insurance providers, offering unbiased advice focused on customer needs rather than specific product lines.

Differentiator

Problem solved

Functional benefit

Products and services

• Private Insurance Brokerage (Privat-Versicherungen) Brokerage of personal lines insurance for private individuals covering property, liability, motor vehicle, pet, accident, legal protection, residential building, and other personal risks. Includes needs analysis, market-wide product comparison, policy placement, and ongoing account management.
• Personal Liability Insurance (Privathaftpflicht)
• Household Contents Insurance (Hausratversicherung)
• Residential Building Insurance (Wohngebäudeversicherung)
• Private Motor Vehicle Insurance (Kfz-Versicherung)
• Private Legal Protection Insurance (Rechtsschutz)
• Private Health Insurance Brokerage (Private Krankenversicherung)
• Business Liability Insurance Brokerage (Betriebshaftpflicht)
• Professional Indemnity Insurance Brokerage (Vermögensschadenhaftpflicht)
• Surety Bond Insurance Brokerage (Kautionsversicherung)
• Commercial Electronics Insurance Brokerage (Elektronikversicherung)
• Business Inventory Insurance Brokerage (Inventarversicherung)
• Term Life Insurance Brokerage (Risikolebensversicherung)
• Occupational Disability Insurance Brokerage (Berufsunfähigkeitsversicherung)
• Retirement Pension Brokerage (Riester-Rente, Basis-Rente/Rürup-Rente)
• Funeral Expense Insurance Brokerage (Sterbegeldversicherung)
• Real Estate Loan Brokerage (Baufinanzierung)
• Online Damage Reporting Service (Online Schadensmeldung)
• Advisory Appointment Service (Beratungstermin-Service)

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core and minor.

• Industry and Commerce Chamber Bonn/Rhein-Sieg (Industrie- und Handelskammer Bonn/Rhein-Sieg)coreOthersAs a licensed insurance broker (§34d) and financial advisor (§34f, §34i), finanzdata is registered with and supervised by the IHK Bonn/Rhein-Sieg. The IHK serves as the regulatory body for the company's professional licensing.
• Versicherungsombudsmann e.V.minorOthersThe company is obligated to participate in the out-of-court dispute resolution procedure of the Insurance Ombudsman, providing clients with an independent complaints body for insurance disputes.
• Ombudsmann Private Kranken- und PflegeversicherungminorOthersFor complaints related to private health and nursing care insurance intermediated by finanzdata, clients can обращаться to the dedicated ombudsman body for out-of-court dispute resolution.
• Bundesverband Deutscher Versicherungsmakler e.V.minorOthersfinanzdata is a member of the Federal Association of German Insurance Brokers, an industry association that supports independent brokers in Germany.
• More than 10 Banks and BausparkassencoreChannel Partner/ Reseller/ DistributorFor real estate loan (Immobiliardarlehensvermittlung) services under §34i GewO, finanzdata works with a broad network of more than 10 banks and building societies (Bausparkassen) to find optimal financing solutions for clients. Compensation is received from the lender upon successful loan placement.

Scale indicators2 records

Recent moves5 records

Expansion highlights3 records

Direct peers

• BCA AG: Germany's leading independent insurance broker pool, providing product access, back-office support, and commission aggregation to affiliated independent brokers like finanzdata — the structural counterparty for firms of finanzdata's profile.
• Blau Direkt GmbH: Independent German insurance broker and digital broker platform serving retail and SMB clients — directly comparable in product breadth (P&C, health, life, retirement) and target segments to finanzdata, though with a stronger digital-channel emphasis.
• JDC Group AG: German insurance and financial broker network listed on the Frankfurt Stock Exchange; operates a multi-channel broker platform directly comparable to finanzdata's independent intermediation model, serving both retail and advisor-affiliated distribution.
• VEMA Versicherungs-Makler-Genossenschaft eG: German cooperative of independent insurance brokers providing product access and shared services — directly comparable to finanzdata's independent broker model and customer segment (German private + SMB insurance buyers).
• Fondsfinanz Maklerservice GmbH: German broker service provider for financial advisors and insurance brokers, offering product platforms, training, and back-office services — closely comparable to finanzdata's multi-line intermediation model serving private clients and SMBs.

Emerging players

• CHECK24 Vergleichsportal: Germany's largest digital insurance and financial product comparison platform — a substitute intermediation channel competing for the same end-clients finanzdata serves, but via digital self-service rather than human advisory.
• Clark Germany GmbH: German insurtech digital broker offering insurance management app and digital advisory across P&C, health, and life — directly comparable product breadth to finanzdata but delivered through a digital-first customer experience.
• Verivox GmbH: Leading German comparison portal for insurance, energy, and financial products — competes with finanzdata for the same consumer insurance demand via digital price comparison rather than full-service advisory.

Broad incumbents

• Dr. Klein Privatkunden AG: Established German broker for financial products including insurance, mortgages, and investment products; comparable intermediation model serving retail clients, with broader scale and stronger mortgage channel than finanzdata.
• MLP SE: Larger publicly listed German financial advisory and brokerage firm with multi-line wealth, insurance, and loan products serving academics, professionals, and corporate clients — overlaps with finanzdata's wealth-and-insurance advisory scope at greater scale.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks7 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/finanzdata-gmbh

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 Financial Data