XOLUTIONS
XOLUTIONS is a Belgian insurance expertise bureau founded in 2019 that provides automotive, property, liability, and electrical damage assessment services to insurance companies, leasing firms, and damage adjusters across the Benelux region, supplemented by an insurance-specialist outsourcing division.
- Company typePrivate
- Founded2019
- HeadquartersWetteren, Belgium
- Headcount11–50
- GTM typeB2B
- OfferingServices
What XOLUTIONS does
XOLUTIONS BV is a Belgian insurance expertise bureau founded in October 2019 by Lieven Vermoesen, Sjoerd Monteyne, and Tom Coorevits — all former senior executives of DEKRA Belgium. The company provides damage assessment and expertise services across three main lines: automotive (vehicle bodywork, technical/engine, heavy equipment, machine breakdown, and oldtimer valuations); property & liability (building, water, fire, storm, glass, electrical, business interruption, liability investigation, legal protection, and real estate valuation); and a specialist transport damage chain covered through its C²S/CTWOS partnership. It is recognized by BFOV/FBVA for oldtimer valuations and is positioned among the Top 3 largest expert offices in Belgium.\n\nThe technology stack centers on a cloud-based back-office program for digital damage management, an Online Expertise portal for self-service digital claims submission with photo upload, the Home Insurance Taxatietool (a 2023-launched valuation engine that connects via API into insurer back-office systems, integrates in real-time with Belgian electronics retailer databases, applies depreciation and contract-condition logic, and includes fraud detection), and the Claims 360 web portal from Informex for on-site tablet-based damage assessment. Headquartered in 'The XOLUTIONS House' in Wetteren, the firm operates from five to seven provincial offices across Belgium, plus offices in Goes (Netherlands) and Luxembourg, supported by an X! Plus division that outsources insurance specialists to carriers, leasing firms, and damage adjusters.\n\nCommercially, XOLUTIONS earns revenue through per-expertise transaction fees (automotive, property, liability), subscription and per-file fees for the Home Insurance Tool (including implementation with up to 20 programmable contract-condition variants per insurer), and professional-services fees for X! Plus staffing. The go-to-market is sales-led, with direct enterprise relationships, customized service-level agreements, and an expanding digital self-service channel. Since founding, the company has scaled to roughly 90 employees and executed 12 acquisitions, growing from a single Sint-Niklaas operation into a Benelux-wide expertise platform.
XOLUTIONS firmographics
Firmographics- Name
- XOLUTIONS
- Legal name
- Xolutions BV
- Website
- https://xolutions.be
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- XOLUTIONS is a Belgian insurance expertise bureau founded in 2019 that provides automotive, property, liability, and electrical damage assessment services to insurance companies, leasing firms, and damage adjusters across the Benelux region, supplemented by an insurance-specialist outsourcing division.
- Ownership category
- akta.pro rank
XOLUTIONS industry classification
Industry- Product category
- Insurance Claims Expertise and Damage Assessment Services
- NAICS
- Claims Adjusting (524291), Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292), Other Insurance Related Activities (52429)
- SIC
- Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331), Services-Testing Laboratories (8734)
- akta.pro primary industry
- Claims Management & Digital FNOL Platforms (FSAGAGAC)
- akta.pro secondary industries
- Claims Administration & TPA Services (FNOL, Subrogation, Litigation Mgmt) (TLABANAH), Insurance Replacement Cost & Damage/Loss Valuation (BPAJAKAL), Fraud, Waste & Abuse (FWA) Detection & SIU Support (BPAAAFAH)
Keywords
Where XOLUTIONS is headquartered
LocationHeadquarters
- HQ city
- Wetteren
- HQ country
- Belgium
- HQ region
- Europe
Offices8 records
Markets served
XOLUTIONS business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Expertise Services: Damage assessment and expertise services for insurance companies and private individuals. Includes automotive, property, liability, and electrical damage expertise. Fees charged per expertise performed.
- X! Plus Outsourcing: Outsourcing of insurance specialists to clients in the insurance sector. Specialists placed on temporary basis at various insurance companies, damage adjusters, and leasing companies. Revenue from staffing and recruitment services.
- Home Insurance Tool Licensing: Home Insurance valuation tool provided to insurance companies with monthly file fees and implementation costs. Includes database updates, user management, and retailer delivery at no additional cost.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Multi-year contract | Home Insurance Tool - Implementation |
| Usage-based | Monthly | Home Insurance Tool - Monthly Usage |
| Hybrid | Monthly | Insurance Specialist Outsourcing |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels4 records
XOLUTIONS product offering
Product offeringCore offering
XOLUTIONS is a Belgian insurance expertise bureau providing physical and digital damage assessment services for automotive (vehicle bodywork, technical/motor, heavy equipment, machine breakdown) and property & liability (building, liability, legal protection, real estate valuation, site inspection) claims. Through its X! Plus division, the company also outsources insurance specialists to insurance companies, leasing firms, and claims handlers. The company supports the complete damage chain in transport via its partnership with C²S/CTWOS, and provides digital tools (Home Insurance Taxatietool, Online Expertise, Claims 360) to streamline claims processing.
Product overview
XOLUTIONS is a Belgian insurance expertise bureau operating across two main divisions: (1) XOLUTIONS Expertise — providing physical and digital damage assessment services for automotive (vehicle bodywork, technical/motor, heavy equipment, machine breakdown) and property & liability (building, liability, legal protection, real estate valuation, site inspection); and (2) X! Plus — outsourcing insurance specialists to insurance companies, leasing firms, and claims handlers. Key digital products include the Online Expertise portal for digital claims submission, the Home Insurance Taxatietool for electrical device damage valuation via API, and Claims 360 (Informex) for on-site tablet-based damage assessment. Services are delivered from 6 regional Belgian offices, with international expansion into the Netherlands and Luxembourg. The company was founded in October 2019 and has grown to ~90 employees through multiple acquisitions.
Differentiator
Problem solved
Functional benefit
Brands
- X! Plus: Outsourcing of insurance specialists for damage management, production, life/non-life, and testing sectors.
Products and services
- XOLUTIONS Expertise Services (Automotive & Property/Liability) A network of insurance expertise bureaus providing damage assessment for automotive and property/liability claims, including vehicle damage inspection, building damage assessment, liability investigation, legal protection, real estate valuation, and site inspection. Available across Belgium from 5+ regional offices.
- Automotive Expertise Vehicle damage expertise covering bodywork damage from collisions, technical engine damage (including hybrid/electric vehicles and fire damage), heavy equipment and machine breakdown in transport/agriculture, advisory services for private individuals on vehicle purchases, and technical neutral advisory for disputes. Includes a drive-in service with walk-in weekday afternoons and Saturday appointments.
- Property & Liability Expertise Property damage expertise covering building damage (water, storm, burglary, snow/ice, impact, glass, fire, goods, electrical, business interruption, TRC), machine breakdown, art/jewelry specialization; liability expertise covering family, business and product liability; legal protection; real estate valuation; and property condition documentation for dispute prevention. Available on Saturdays and outside business hours.
- Online Expertise (Digital Claims Submission) A web-based module allowing customers to digitally initiate and submit automotive or property/liability expertise requests online. Customers fill in damage details and upload photos and documentation without requiring an in-person visit, streamlining the claims process.
- Home Insurance Taxatietool A digital tool enabling insurance dossier managers (and XOLUTIONS experts, brokers, and inspectors) to evaluate electrical/electronic device damage claims by entering a serial number to retrieve launch price and specifications, calculate depreciation and deductible based on contract conditions, and receive a ranked list of recommended replacement devices in real-time. Connects to insurer back-offices via API and includes fraud detection. A partnership with a retailer enables in-kind repair or replacement and installation assistance.
- X! Plus (Insurance Specialist Outsourcing) A specialist division (BTW BE 0775.296.749) providing outsourcing of insurance professionals — claims managers, production managers, and specialists — to insurance companies, leasing companies, and claims handlers across Belgium. Staff are placed temporarily on various projects. Also handles life/non-life insurance tasks and software testing.
Quantifiable outcome
- 35% more correct compensation payouts when using Home Insurance Tool (test case)
- +2 more outcomes
Companies that use XOLUTIONS
Customer profileNamed customers5 records
Segments5 records
Ideal customer profiles4 records
XOLUTIONS technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability4 records
Feature4 records
XOLUTIONS partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and minor.
- C²S/CTWOScorePartnership with C²S/CTWOS, a specialized expert company in niche transport markets including CMR, cargo damage, liability, and non-marine areas such as livestock and agricultural damages. C²S is part of an international expert network. This collaboration makes XOLUTIONS the only expert office in Belgium handling the complete damage chain in transport.
- Informex (Claims 360)coreXOLUTIONS was among the first expert offices to adopt Claims 360, a web portal developed by Informex that enables experts to perform damage assessments on-site using tablets. This technology integration enables real-time damage estimation and reporting.
- TeledeskminorPartnership with Teledesk for 24-hour customer service answering questions about damage claims reporting. From August, also able to issue e-vouchers or gift cards from retailers for damaged device amounts.
- Belgian Electronics RetailerscoreDatabase integration with major Belgian electronics and home appliance retailers providing real-time product data for the Home Insurance valuation tool. Also includes partnership for delivery and replacement of damaged devices to policyholders.
- Zeeland ExpertisecoreAcquisition of Zeeland Expertise in Goes, Netherlands in March 2023. Specializes in fire/varia and automotive expertise and oldtimer valuations. Part of XOLUTIONS' strategy to expand across the Benelux region.
Scale indicators7 records
Recent moves11 records
Expansion highlights7 records
XOLUTIONS competitors and assessment
Company assessmentBroad incumbents
- DEKRA: Global testing, inspection, and certification (TIC) giant and direct former employer of all XOLUTIONS founders. Operates a major claims and automotive expertise division across Europe, including Belgium, making it XOLUTIONS's most direct competitor with vastly greater scale and international reach.
- Crawford & Company: Global claims management and adjusting firm serving P&C insurers worldwide. Provides loss adjusting, third-party administration, and managed repair services directly comparable to XOLUTIONS's core expertise offering, with operations across Europe including Benelux.
- Sedgwick: Global claims management, loss adjusting, and managed services provider. Competes directly in the European claims expertise and TPA market and represents the scale of incumbent that XOLUTIONS could not yet match outside Benelux.
- SGS: Global TIC leader with automotive, industrial, and natural resources inspection services that overlap with XOLUTIONS's technical and vehicle damage expertise. Operates a broad portfolio where claims expertise is one segment among many.
- Bureau Veritas: Global TIC and certification firm providing automotive inspection, industrial asset services, and conformity assessment that overlap with XOLUTIONS's damage and property expertise lines. Operates broadly rather than specializing in claims.
Direct peers
- Van Ameyde: European claims adjusting and expertise firm headquartered in the Netherlands, specializing in marine, transport, property, and liability claims. Operates across multiple European markets with similar service offerings to XOLUTIONS and overlapping Benelux presence.
- McLarens: Global loss adjusting and claims management firm specializing in complex property, casualty, and specialty claims. Competes in the same expertise and claims adjusting market as XOLUTIONS, particularly in commercial and complex claims.
- Claims Solutions Group (Belgium): Belgian claims management and damage expertise firm operating in the same market. Directly comparable in scale and customer base (Belgian insurers), competing for the same insurance expertise contracts in Belgium.
Regional players
- TVM Verzekeringen: Netherlands-based specialty transport insurer with in-house claims handling expertise. Operates primarily in the Dutch market and competes with XOLUTIONS in the transport/CMR niche where both firms have expertise partnerships.
- Experta (AG Insurance): Belgian insurance expertise bureau associated with AG Insurance, operating regionally in Belgium. Direct competitor in the same Belgian market for insurer claims expertise and a representative of the captive/single-insurer expertise model.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks1 record
Key highlights6 records
Customer concentration
XOLUTIONS social profiles
Digital presenceXOLUTIONS compliance and trust
Trust signalCompliance3 records
XOLUTIONS financial estimates
Financial estimateRevenue estimate
Valuation estimate
XOLUTIONS leadership team
Management profileNumber of profiles
Profiles4 records
XOLUTIONS subsidiaries and ownership
Company hierarchySubsidiaries8 records
XOLUTIONS funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
XOLUTIONS M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about XOLUTIONS
What does XOLUTIONS do?
XOLUTIONS is a Belgian insurance expertise bureau providing physical and digital damage assessment services for automotive (vehicle bodywork, technical/motor, heavy equipment, machine breakdown) and property & liability (building, liability, legal protection, real estate valuation, site inspection) claims. Through its X! Plus division, the company also outsources insurance specialists to insurance companies, leasing firms, and claims handlers. The company supports the complete damage chain in transport via its partnership with C²S/CTWOS, and provides digital tools (Home Insurance Taxatietool, Online Expertise, Claims 360) to streamline claims processing.
Is XOLUTIONS a public or private company?
XOLUTIONS is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was XOLUTIONS founded?
XOLUTIONS was founded in 2019. It employs 11 to 50 people.
Where is XOLUTIONS based?
XOLUTIONS is headquartered in Wetteren, Belgium, in the Europe region.
How does XOLUTIONS make money?
Three revenue lines are on record. Expertise Services are the primary driver. The others are X! Plus Outsourcing and home Insurance Tool Licensing.
Who are XOLUTIONS's main competitors?
Broad incumbents on record are DEKRA, Crawford & Company, Sedgwick, SGS and Bureau Veritas. Direct peers are Van Ameyde, McLarens and Claims Solutions Group (Belgium). Regional players are TVM Verzekeringen and Experta (AG Insurance).
Does XOLUTIONS have an API?
Yes. The Home Insurance Taxatietool integrates via API (Application Programming Interface) to insurance company IT systems, enabling data exchange and communication between XOLUTIONS's tool and the insurer's back-office systems. The API allows companies to link the tool directly into their existing infrastructure.
What industry is XOLUTIONS in?
XOLUTIONS's product category is Insurance Claims Expertise and Damage Assessment Services. Its primary akta.pro industry code is FSAGAGAC, Claims Management & Digital FNOL Platforms, with a secondary code of TLABANAH, Claims Administration & TPA Services (FNOL, Subrogation, Litigation Mgmt). Its NAICS code is 524291 and its SIC code is 6411.