What Octavio does

Octavio is a Belgium-based, FSMA-registered insurance intermediary and independent financial advisory firm headquartered in Sint-Martens-Latem, East Flanders. Founded in 2016, the firm serves high-net-worth individuals, families, and entrepreneurs primarily in the Flanders region, providing wealth management, pension planning, succession planning, risk protection, and tax optimization services. The company is led by four partners (vennoten) — Joachim Vermeersch, Peter Magherman, Dieter De Milde, and Ruben Kuppens — supported by relationship managers and a back-office team of roughly 16 employees.

The firm's core product is insurance brokerage across Tak 21 (traditional life), Tak 23 (investment-linked), Tak 26 (capitalization), savings plans, and death/disability coverage, complemented by advisory services spanning pension planning, wealth building, succession planning, and risk protection. Octavio operates the DORI client management platform — licensed from KUNDEC BV — to store client financial situations, investment profiles, and policy data. Critically, the firm positions itself as independent of any specific insurance carrier, enabling objective product recommendations.

Revenue is generated primarily through insurance carrier commissions (acquisition fees 0-15%, ongoing management fees 0.03%-1.25%, distribution fees, and volume commissions), with occasional direct client advisory fees. The go-to-market is direct, consultative, partner-led advisory supplemented by accountant referral partnerships, with no digital or third-party distribution channels. Octavio is part of the Octavio Groep, an umbrella that also includes OCTAVIO PLUS BV, SERTAS BV/B2Broker, and HERITAGE VASTGOED BV.

Name

Octavio

Legal name

OCTAVIO CVBA

Website

https://octavio.be

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

Octavio is a Belgium-based, FSMA-registered independent financial advisory and insurance brokerage firm serving high-net-worth individuals, families, and entrepreneurs in the Flanders region with wealth management, pension, succession, and risk protection services.

Ownership category

akta.pro rank

Product category

Wealth Management and Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411), Life Insurance (6311), Investment Advice (6282)

akta.pro primary industry

Annuities & Investment-Linked Insurance Solutions (Retail) (FSAAAAAM)

Keywords

• Insurance brokerage
• Wealth management advisory
• Pension planning
• Succession planning
• Financial advisory services

Headquarters

HQ city

Sint-martens-latem

HQ country

Belgium

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Mediation Commissions: Commissions received from insurance companies including management fees, distribution fees, volume commissions, and acquisition fees/risk premiums. Commissions are calculated on the invested amount or premium.
2. Client Advisory Fees: In some cases, fees are charged directly to the client for insurance mediation services rather than receiving commissions from the insurance company.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Octavio is a Belgian independent insurance intermediary and financial advisory firm that mediates insurance products (Tak 21, Tak 23, Tak 26, savings plans, death and disability coverage) and provides wealth management services including pension planning, wealth building and preservation, succession planning, and risk protection. The firm is registered with the FSMA under number 115552A and operates without binding agreements to any specific insurance company.

Product overview

Octavio is a financial advisory firm offering insurance brokerage services as its core offering. The company provides a comprehensive suite of insurance products including Tak 21 (traditional life insurance), Tak 23 (investment-linked life insurance), Tak 26 (capitalization products), savings plans, and death/disability coverage. Beyond insurance, Octavio offers wealth management services including pension planning, wealth building, succession planning, and risk protection. The company operates through three service layers: partners who set strategic direction, relationship managers who monitor client portfolios and provide ongoing guidance, and a back-office team that handles calculations, administrative processing, and damage insurance inquiries. All services are delivered independently without binding agreements to specific insurance companies.

Differentiator

Problem solved

Functional benefit

Products and services

• Insurance Brokerage (Verzekeringsbemiddeling) Advisory and mediation services for insurance products, including advice, proposal preparation, conclusion, assistance in management and execution of insurance contracts, particularly for damage claims. Targeted at individual clients and business owners in Belgium.
• Tak 21 Life Insurance Traditional life insurance products not linked to investment funds. Commission rates: 0%-2% introduction fee, 0.2%-0.4% annual management fee. Multi-year contracts.
• Tak 23 Investment Insurance Life, dowry and birth insurance linked to investment funds. Commission rates: 0%-3% introduction fee, 0.03%-1.25% annual management fee, 1% distribution fee. Multi-year contracts.
• Tak 26 Capitalization Products Capitalization operations insurance products. Commission rates: 0%-2% introduction fee, 0%-0.4% annual management fee. Multi-year contracts.
• Savings Plans (Spaarplan) Savings plan products with volume commission up to 40% on first year premium and 0%-3% introduction fee. Multi-year contracts.
• Death and Disability Coverage Death and disability coverage insurance products with commission rates of 0%-15% introduction fee, no annual management fee. Multi-year contracts.
• Pension Planning (Pensioenopbouw) Pension planning services helping clients build retirement savings and optimize 3rd pillar (occupational pension) and 4th pillar (individual retirement savings) investments. For individuals and business owners in Belgium.
• Wealth Building and Preservation Wealth building and preservation services including investment advice and portfolio management for private clients seeking to grow and protect their assets.
• Succession Planning (Successieplanning) Succession planning services for inheritance, estate management, and wealth transfer for individuals, families, and business owners.
• Risk Protection (Risicobescherming) Risk protection services through insurance products including damage insurance advisory and risk assessment for clients.
• Client Relationship Management (Relatiebeheer) Ongoing client relationship management service where dedicated relationship managers monitor client portfolios, provide regular annual reviews, and offer continuous financial guidance.

Quantifiable outcome

• Annual client follow-up ensures strategies remain aligned with client circumstances over time

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Three partnerships are on record, tiered core and minor.

• KUNDEC BV (DORI)coreTechnology or IntegrationKUNDEC BV manages the DORI software application under license (KBO: 0730.853.428). DORI is the client management platform used by Octavio to store and process client financial data, insurance policies, and investment profiles. A data processing agreement is in place with KUNDEC as data processor.
• Octavio Groep EntitiescoreOthersOctavio is part of the Octavio Groep, which includes OCTAVIO BV, OCTAVIO PLUS BV, SERTAS BV/B2Broker, and HERITAGE VASTGOED BV. These entities operate under shared governance and general terms.
• AccountantsminorStrategic or Co-development PartnerStrategic referral partnerships with accountants. Accountants handle business income optimization while Octavio manages personal wealth. This tandem approach provides comprehensive financial planning for shared clients. Benefits include strengthened client relationships, direct communication lines, and specialized expertise for complex wealth questions.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Vanbreda Risk & Benefits: Belgian insurance broker focused on corporate and HNW clients with independent multi-line advisory. Highly comparable business model to Octavio — independent intermediary serving similar wealth segments with multi-product offerings.
• Delen Private Bank: Belgian independent private bank focused on discretionary wealth management for HNW families. Comparable to Octavio in target customer (HNW/Belgian families), consultative relationship-driven advisory approach, and emphasis on personalized long-term service.

Broad incumbents

• KBC Bank: Major Belgian bank-insurer with integrated banking and insurance offerings, including wealth advisory. Competes for the same HNW and entrepreneur clients as Octavio, but at much larger scale and through captive distribution channels.
• AG Insurance: Largest Belgian insurance carrier offering life and non-life products. Indirect competitor — Octavio brokers lines from multiple carriers including AG — and AG's direct and captive channels overlap with Octavio's intermediary value proposition.
• Baloise Belgium: Belgian operations of Swiss insurer Bâloise, providing life, non-life, and wealth-related insurance products. Competes for the same HNW insurance and wealth solutions that Octavio brokers as part of its portfolio.
• Belfius: Large Belgian bank with integrated insurance arm (DVV Verzekeringen). Competes across banking, insurance distribution, and wealth management for HNW and entrepreneur clients via both captive and brokered channels.
• Aon Belgium: Global insurance broker and advisory firm with established Belgian operations serving corporate and HNW clients. Competes in the same insurance intermediary space as Octavio, at significantly larger scale.
• BNP Paribas Fortis: Belgium's largest bank with integrated insurance and wealth management services. Competes for the same HNW and business-owner clients as Octavio through full-service captive advisory and proprietary product offerings.
• Willis Towers Watson (WTW) Belgium: Global insurance broker and advisory firm with Belgian operations in corporate and HNW insurance brokerage. Competes with Octavio in the insurance intermediary channel, particularly for complex wealth and risk programs.
• Marsh Belgium: Global insurance broker with Belgian operations in corporate risk and insurance advisory. Competes with Octavio in the Belgian insurance intermediary market for HNW and commercial clients.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/octavio-team
• Facebookfacebook.com/Octaviofinancieeladvies

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 Octavio