What FinCare does

FinCare GmbH is a German financial advisory and brokerage firm founded in 2010 and headquartered in Oßling, Saxony. The company operates as a multi-line broker under four distinct German regulatory licenses (§34c real estate, §34d insurance, §34f investment instruments, §34i mortgage loan broker), enabling it to offer insurance, real estate, financing, and investment products from across the German market rather than as a tied agent of a single provider. Its core product is an online comparison and calculator platform (Onlinerechner) covering insurance comparison, supplementary health insurance, construction financing connected to roughly 200 financial institutions, consumer loans, and investment planning scenarios (savings, withdrawal, and crash-simulation tools), supplemented by personalized phone and email advisory.

The business model is commission-based across all four product streams: insurance brokerage commissions, financial product brokerage, real estate brokerage, and mortgage/loan brokerage. Pricing is not publicly disclosed; fees are embedded in product spreads or charged as advisory fees on a per-engagement basis. The go-to-market is sales-led and consultative — the website functions as a top-of-funnel lead-generation and self-assessment tool that routes prospects to advisor consultations. Customer segments include private individuals (primary), employees across career stages, self-employed/freelancers, and corporate clients with framework agreements for fleet, employee benefits, and management pensions; vertical focus is noted for construction (Baugewerbe) and associations (Vereine).

The firm is founder-owned and founder-managed by Marion Uhlrich and André Uhlrich, both serving as Gesellschafter Geschäftsführer. The operating entity consolidated two predecessor sole proprietorships via merger in 2011 and 2013, securing intergenerational continuity of client relationships. There is no external institutional capital, no parent company, and no subsidiary structure; the firm operates with 1–10 employees from a single Oßling office after consolidating from a prior Tutzing location. Technology is non-proprietary: a standard website integrating third-party banking-platform feeds for rate comparison, with no disclosed AI, API, mobile application, or data-asset strategy.

Name

FinCare

Legal name

FinCare GmbH

Website

https://fincare.de

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

1–10 employees

Short description

FinCare GmbH is a German founder-owned financial broker in Oßling offering insurance, real estate, financing, and investment products across four GewO license categories, serving primarily private individuals and SMBs via online comparison calculators and personalized advisory.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231), Portfolio Management and Investment Advice (523940)

SIC

Loan Brokers (6163), Investment Advice (6282), Mortgage Bankers & Loan Correspondents (6162), Personal Credit Institutions (6141)

akta.pro primary industry

Comprehensive Financial Planning (FSAEAAAA)

akta.pro secondary industries

Financial Coaching & Budgeting Advisory (FSAEAAAH), Debt & Capital Advisory (Debt Raising, Refinancing, Private Credit) (BPAHAOAD)

Keywords

• Insurance brokerage
• Financial advisory
• Mortgage brokerage
• Investment funds
• Pension planning

Headquarters

HQ city

Oßling

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commission: FinCare acts as a licensed insurance broker (Versicherungsmakler) earning commissions from insurance product sales including health insurance, property insurance, liability insurance, and other risk management products.
2. Financial Product Brokerage: Revenue from brokerage of investment funds, financial instruments, and retirement planning products regulated under §34f GewO.
3. Real Estate Brokerage: Commission income from real estate brokerage services for both capital investors and owner-occupiers, licensed under §34c GewO.
4. Mortgage/Loan Brokerage: Fees from mediating mortgage loans and consumer loans through their banking platform connecting to approximately 200 financial institutions.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

FinCare is a multi-licensed German financial brokerage and advisory firm that brokers insurance, real estate, investment funds, and mortgage/consumer loans on behalf of clients. Its core operations revolve around a website of online comparison calculators (versicherungsvergleich, Baufinanzierung, Geldanlage) connected to a network of roughly 200 financial institutions, paired with personalized advisory delivered through phone and email channels. The company is licensed under §34c, §34d, §34f, and §34i of the German Trade Act (GewO) and earns commissions on brokered products.

Product overview

FinCare operates as a multi-line financial services broker and comparison platform offering insurance, financing, investment, and retirement planning products. The core offering consists of online comparison calculators (Onlinerechner) covering insurance products (Versicherungsvergleich), health supplementary insurance, construction financing (Baufinanzierung), consumer loans, and investment planning tools. The platform connects to approximately 200 financial institutions for real-time financing conditions. Services are organized by customer segment (private individuals, employees, self-employed, companies) and life events (birth, marriage, home building, self-employment). The company holds licenses as insurance broker (Versicherungsmakler), financial instrument broker (Finanzanlagenvermittler), real estate broker (Immobilienmakler), and loan broker (Darlehensvermittler).

Differentiator

Problem solved

Functional benefit

Products and services

• Versicherungsvergleich (Insurance Comparison) Online comparison platform for private insurance products including liability (Privathaftpflicht), legal protection (Rechtsschutz), household (Hausrat), building (Wohngebäude), accident (Unfall), and occupational disability (Berufsunfähigkeit) insurance. Connects users with products across the entire German insurance market through integrated comparison calculators and is available to private individuals and families.
• Private Krankenzusatzversicherung (Supplementary Health Insurance) Comparison tools covering outpatient, dental, and inpatient supplementary health insurance, plus funeral cost coverage (Sterbegeld) and company/group health insurance (bKV), targeting private individuals and employees seeking to supplement statutory health insurance.
• Baufinanzierung (Construction Financing) Real estate financing comparison and request platform connected to approximately 200 financial institutions for real-time mortgage conditions, including mortgage calculators, budget planners, and financing request functionality. Supports purchases with and without land charge (Grundschuld) for both owner-occupiers and capital investors.
• Konsumentendarlehen (Consumer Loan) Consumer loan comparison and calculation tools for personal financing needs, enabling consumers to assess loan options across the connected banking platform network.
• Geldanlagerechner (Investment Planning Suite) Suite of investment planning and risk-assessment tools including savings plans (Sparplan), withdrawal plans (Entnahmeplan), interest plans (Zinsplan), combination plans (Kombiplan), needs analysis (Bedarfsanalyse), and a crash simulator for portfolio stress-testing, supporting retail clients in investment decisions.
• Altersvorsorge (Pension Planning) Retirement and pension planning services covering all three German pension layers: basic pension (Schicht 1 / Basisrente), Riester and company pension (Schicht 2), and supplementary retirement savings (Schicht 3). Includes direct insurance (Direktversicherung) and salary conversion (Entgeltumwandlung) products for employees and self-employed clients.
• Generationenberatung (Generational / Estate Advisory) Legacy and generational wealth advisory services for families, including preparation of powers of attorney (Vorsorgevollmacht) and testaments. Supports intergenerational continuity of financial planning for existing client families.
• Private Sachversicherung (Private Property Insurance) Property and asset insurance for private households, covering household contents (Hausrat), residential building (Wohngebäude), drones, e-bikes, photovoltaic systems, and motor vehicles (KFZ). Targeted at owner-occupiers and homeowners across Germany.
• Gewerbliche Sachversicherung (Commercial Property Insurance) Commercial insurance solutions for businesses, including cyber insurance, commercial legal protection (Gewerberechtsschutz), and vertical-specific coverage concepts for construction trades (Baugewerbe) and associations (Vereine). Includes framework agreements on employee benefits, fleet insurance, and management pension schemes.
• Risikomanagement / Biometrische Absicherung (Biometric Risk Management) Biometric risk protection services covering occupational disability insurance (Berufsunfähigkeit), care insurance (Pflegeversicherung), full private health insurance (Krankenvollkostenversicherung), and travel health insurance for travel abroad (Auslandsreisekrankenversicherung). Targets employed and self-employed individuals needing income protection.
• Immobilien- und Grundstücksvermittlung (Real Estate Brokerage) Real estate brokerage services licensed under §34c GewO for both capital investors (Kapitalanleger) and owner-occupiers (Selbstnutzer), covering property transactions in Germany.

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Banking Platform Network (~200 Financial Institutions)coreOthersFinCare's online mortgage calculator connects to approximately 200 financial institutions through their banking platform, enabling real-time interest rate comparisons and financing quotes. This partnership network provides clients access to competitive market rates across the German banking sector.

Scale indicators1 record

Recent moves8 records

Expansion highlights4 records

Broad incumbents

• MLP SE: Public German financial advisory group serving private and corporate clients across insurance, wealth, real estate financing, and pensions — a much larger incumbent operating the same comprehensive advisory model FinCare targets.
• Check24: Germany's largest digital comparison platform across insurance, banking, and financial products — a scaled incumbent whose calculator funnel is the dominant alternative to FinCare's website comparison tools.
• Deutsche Vermögensberatung (DVAG): Germany's largest independent financial advisory network with integrated insurance, investment, and Baufinanzierung offerings — directly overlapping FinCare's product mix while operating at vastly larger scale via tied agents.
• Verivox: Major German online comparison portal for insurance, financial products, and energy — direct competitor to FinCare's Onlinerechner funnel across Versicherungsvergleich and Baufinanzierung categories.

Direct peers

• Swiss Life Select: Financial advisory network in Germany providing insurance, investment, and real estate financing advice to private and corporate clients under a comparable regulatory/advisory structure.
• Dr. Klein: German multi-line brokerage offering mortgage, insurance, and personal finance products via both online comparison tools and a national advisor network — directly comparable breadth of product licenses and digital-plus-advisory model.
• tecis Finanzdienstleistungen: German multi-line financial advisory firm distributing insurance, investment, and Baufinanzierung products through a tied-agent network — comparable value proposition to FinCare's advisory-led multi-product model.
• A.S.I. Wirtschaftsberatung: Specialized financial advisory for academics and public-sector employees (Beamte) with comprehensive financial planning including insurance and pension products — directly comparable to FinCare's Beamte/Berufsstarter target segments.
• Interhyp: Germany's leading independent mortgage broker, aggregating offers from numerous lenders — closely comparable to FinCare's Baufinanzierung platform, though specialized rather than multi-product.
• Horbach Wirtschaftsberatung: Independent German financial advisory firm focused on insurance, investment, and retirement planning for individuals and professionals — closely comparable multi-product advisory model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks4 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/fincare-gmbh

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 FinCare