FP Finanzpartner

What FP Finanzpartner does

FP Finanzpartner AG is a privately held German financial advisory network founded in 2001 and headquartered in Vilshofen an der Donau, Bavaria. The company operates through a decentralized model of 200+ independent financial advisors (Partners) distributed across 70+ locations throughout Germany, serving over 40,000 private and business customers with a stated 94% satisfaction rate. Its regulated scope spans insurance brokerage (§34d GewO), financial investment brokerage (§34f GewO), real estate loan brokerage (§34i GewO), and general loan and real estate brokerage (§34c GewO), all under oversight of IHK München und Oberbayern.

The company's core product offering is organized into private and corporate pillars. For private customers, FP Finanzpartner provides financing (via 400+ banks, leasing, and factoring partners), insurance (via 120+ insurers), wealth/investment advisory, and real estate financing and acquisition advisory. For corporate customers (Mittelstand focus), additional offerings include company pension schemes (bAV), corporate health insurance (bKV), factoring, leasing, and commercial insurance covering liability, property, fleet, D&O, and cyber. The technology backbone consists of the FP 360° App (launched 2023), a consumer-facing platform offering banking, contract management, and damage reporting, alongside Professional Advisor Software and paperless digital processes that support the partner network. Eight specialist departments (Fachressorts) and a centralized Service-Zentrum provide back-office infrastructure that allows advisors to focus on customer consulting.

FP Finanzpartner generates revenue primarily through commissions on financial product placements: insurance brokerage commissions from 120+ insurers, transaction-based distribution fees from 400+ banks and leasing/factoring companies, and financial advisory fees permitted under §34f GewO. The company holds no external funding and operates as a founder-aligned Aktiengesellschaft, with CEO Christian Just serving as majority shareholder since 2007 alongside board members Dr. Christian Geier and Daniel Voggenreiter. The model has produced 15%+ annual growth over five consecutive years (2019-2024), expanding contrary to broader industry trends.

Name

FP Finanzpartner

Legal name

FP Finanzpartner AG

Website

https://fp-finanzpartner.de

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

11–50 employees

Short description

FP Finanzpartner AG is a privately held German independent financial advisory network founded in 2001, operating through 200+ partner-advisors at 70+ locations to deliver insurance, financing, wealth, and corporate benefit solutions to over 40,000 private and Mittelstand customers.

Ownership category

akta.pro rank

Product category

Independent Financial Advisory Services

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242), Finance and Insurance (52), Sales Financing (52222), Portfolio Management and Investment Advice (523940)

SIC

Insurance Agents, Brokers & Service (6411), Finance Services (6199), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Treasury, Cash Management & Liquidity (SME) (FSAGAJAG)

akta.pro secondary industry

SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning) (FSAGAJAM)

Keywords

• Independent financial advisory
• Insurance brokerage services
• Corporate financing solutions
• Wealth management advisory
• Employee benefits consulting

Headquarters

HQ city

Donau

HQ country

Czechia

HQ region

Europe

Offices7 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commission: FP Finanzpartner AG acts as an insurance broker earning commissions from over 120 insurers for placing insurance products. Commissions are either agreed-upon payments from customers or included in insurance premiums paid by insurance companies.
2. Financial Product Distribution: Revenue generated from facilitating financing solutions through access to over 400 banks, leasing and factoring companies. Also includes revenue from investment fund distribution.
3. Financial Advisory Fees: As a licensed financial advisor under §34f GewO, the company can charge advisory fees for investment consultation. These can be paid by the client directly or through product providers.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

FP Finanzpartner AG is an independent financial advisory firm that delivers insurance, financing, wealth, and real estate advisory services to private customers, plus bAV, bKV, factoring, leasing, and commercial insurance to mid-sized business customers. Services are delivered through a nationwide network of 200+ self-employed financial advisors operating under the FP umbrella, with product access spanning 120+ insurers, 400+ banks, leasing and factoring firms, and 600+ product partners. Customer-facing operations are complemented by the FP 360° App digital platform (banking, contract management, claims) and a centralized Service-Zentrum back office.

Product overview

FP Finanzpartner AG is a financial advisory company operating since 2001, offering a comprehensive portfolio of financial services through over 200 independent financial advisors across more than 70 locations in Germany. The company's core offering consists of integrated financial services organized into four main areas: financing (access to 400+ banks and leasing/factoring partners), insurance (access to 120+ insurers), wealth management (investment products), and real estate. For corporate clients, additional services include company pension schemes (bAV), corporate health insurance (bKV), factoring, and leasing. The digital flagship product is the FP 360° App (launched 2023), a comprehensive financial platform providing banking, contract management, and damage reporting functionality for both private and business customers. Support infrastructure includes eight specialist departments and a centralized service center handling administrative tasks. The company operates with over 600 product partners and maintains a social commitment through the FP Sozialfonds e.V. foundation.

Differentiator

Problem solved

Functional benefit

Brands

• FP 360° App: Digital financial platform launched in 2023 offering banking, contract management, and claims reporting for both private individuals and business customers. Described as one of the best, most flexible, and modern financial apps currently on the market.

Products and services

• FP 360° App Comprehensive financial platform app providing banking functionality, contract management, damage reporting, and additional financial services for both private individuals and business customers in a single mobile application.
• Finanzierung (Financing)

Quantifiable outcome

• 94% customer satisfaction rate
• +3 more outcomes

Named customers2 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

Feature3 records

Partnerships

Three partnerships are on record, tiered minor and core.

• FP Sozialfonds e.V.minorOthersSocial responsibility initiative created by FP Finanzpartner AG to support underprivileged and needy people both regionally and worldwide. Part of the company's commitment to sustainability and social engagement.
• Over 600 Product PartnerscoreOthersExtensive network of product providers including 120+ insurers, 400+ banks, and leasing/factoring companies enabling comprehensive financial advisory with objective product selection.
• Industrie- und Handelskammer für NiederbayernminorOthersChamber of commerce membership in Passau. Company is also subject to regulatory oversight by IHK München und Oberbayern for insurance, financial instruments, and real estate lending brokerage activities.

Scale indicators9 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Deutsche Vermögensberatung (DVAG): Largest German independent financial advisory network with a multi-tiered self-employed advisor model distributing insurance, investment and financing. Directly comparable GTM (independent partner network), product breadth and Mittelstand/Kleinunternehmen focus.
• A.S.I. Wirtschaftsberatung: German independent financial advisor network focused on engineers, civil servants and academics as clients. Same multi-product brokerage model (insurance, investment, financing) with a self-employed partner/channel GTM.
• BCA AG: Bank-independent German financial advisor network pooling product access across insurers, banks and investment providers. Direct competitor with the same self-employed advisor model and multi-carrier product distribution.
• tecis Financial Services: German financial advisory network distributing insurance, investment and financing products through independent advisors. Same channel-partner GTM and product-partner access model as FP Finanzpartner.
• FondsFinanz MaklerService: German financial product distributor serving independent financial advisors and brokers with multi-carrier insurance and investment products. Highly comparable platform-shared-services GTM to FP's Service-Zentrum and 600+ partner product access.
• MLP SE: German publicly listed financial advisory network (Wiesloch) serving private and corporate clients with insurance, wealth, financing and corporate benefits. Closest public comp to FP Finanzpartner in terms of business mix (Privatkunden + Firmenkunden bAV/bKV) and advisor-network GTM.

Broad incumbents

• CHECK24 Vergleichsportal: Large German price-comparison and online insurance/finance marketplace. Not a commission-broker network but a competitor to FP's value proposition as insurers and banks attempt to disintermediate brokers via direct/portal channels.
• Verivox: German consumer comparison portal for insurance, banking and energy. A 'broader incumbent' digital competitor that pressures traditional broker commission economics on the same product categories FP distributes.

Emerging players

• Honorar Konzept AG: Germany's leading fee-only financial advisor network - same independent advisor distribution model but offers a fee-based rather than commission-based alternative to FP's commission-heavy revenues. Competitive overlap in mid-market private client segment.

Others

• Europ Assistance / DEURAG: Insurance carrier and assistance providers in the German legal-expense and special-lines insurance market - part of FP's broader 120+ insurer product partner ecosystem and adjacent to FP's commercial insurance distribution.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/FinanzpartnerAG

Compliance8 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 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 FP Finanzpartner