DAK
DAK is a Dutch member-owned cooperative (est. 1981) serving ~1,500 independent financial advisors, giving them collective access to 120 insurers and 30 mortgage lenders plus back-office tooling, private-label insurance, and auto-lease advisory across the Netherlands.
- Company typePrivate
- Founded1981
- HeadquartersNieuwegein, Netherlands
- Headcount101–250
- GTM typeB2B
- OfferingServices
What DAK does
DAK (legal name Coöperatie Dienstverlening Assurantiekantoren U.A., trading as DAK Intermediairscollectief) is a Dutch cooperative founded in 1981 and headquartered in Nieuwegein that operates as an intermediary collective for independent financial advisors. It aggregates roughly 1,500 self-employed advisors and provides them collective access to approximately 120 insurance companies and 30 mortgage providers, along with back-office tooling, administrative services, and new advisory domains. End consumers are served indirectly through member advisors; DAK itself does not sell to consumers directly. The organization is member-owned and governed, with no external parent or private-equity backing indicated.
The product surface spans DAK Hypotheken (mortgage access across 30 lenders), DAK Verzekeringen (an own private-label insurance brand routed through 120 insurers), and DAK Autolease (a newer advisory domain covering private, financial, operational, and short lease). These are supported by Binco, a flexible digital back-office (binnendienst) solution operated through a wholly owned subsidiary, plus a consolidated monthly account-current (rekening courant) that bundles each member's commissions and costs, and webinars/online training. The group operates through multiple wholly owned Dutch subsidiaries, including DAK Polisbeheer B.V. (policy administration), DAK Volmacht B.V. (delegated-authority underwriting on behalf of insurers such as a.s.r.), DAK Faciliteiten B.V., Binco B.V., and DAK Customer Lease Service Center B.V. In 2024 DAK launched DAK Participatie, a new participation model and volmacht (underwriting) company positioned around member stability rather than pure reward.
Revenue is generated through three primary mechanics: volume-based commissions from the 120 affiliated insurers, arrangement fees on mortgage financing from the 30 lenders, and member service fees for access to the collective's tooling and administrative support. Pricing is commission/take-rate based, quote-driven, and not publicly disclosed; website percentages are stated as indicative maximums that vary by insurer and policy term, billed monthly. The go-to-market motion is channel-partner led — the member advisor base is simultaneously DAK's customer and its distribution channel — supported by digital/content marketing (LinkedIn, YouTube, Instagram, Vimeo) and educational webinars, entirely within the Netherlands.
DAK firmographics
Firmographics- Name
- DAK
- Legal name
- Coöperatie Dienstverlening Assurantiekantoren U.A.
- Website
- https://dak.nl
- Company type
- Private
- Founded year
- 1981
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- DAK is a Dutch member-owned cooperative (est. 1981) serving ~1,500 independent financial advisors, giving them collective access to 120 insurers and 30 mortgage lenders plus back-office tooling, private-label insurance, and auto-lease advisory across the Netherlands.
- Ownership category
- akta.pro rank
DAK industry classification
Industry- Product category
- Financial Intermediary Services
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (52421), Other Insurance Related Activities (52429)
- SIC
- Insurance Agents, Brokers & Service (6411), Loan Brokers (6163)
- akta.pro primary industry
- Insurtech-Enabled Brokerage (Digital Brokers & Aggregators) (FSAEADAN)
- akta.pro secondary industries
- Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI), Policy Administration, Underwriting & Rating Platforms (Core Insurance SaaS) (FSAGAGAB)
Keywords
Where DAK is headquartered
LocationHeadquarters
- HQ city
- Nieuwegein
- HQ country
- Netherlands
- HQ region
- Europe
Offices1 record
Markets served
DAK business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Insurance Commission: DAK earns commissions from 120 insurance companies through its intermediary network. Member advisors access these insurers through the collective, with DAK receiving volume-based commissions.
- Mortgage Arrangement Fees: Financing solutions from 30 mortgage providers generate arrangement fees through the intermediary collective.
- Member Service Fees: Members pay for access to the collective's services, digital tools, and administrative support including consolidated account current (rekening courant) for commissions and costs.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Commission-based model with maximum indicative rates |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels5 records
DAK product offering
Product offeringCore offering
DAK Intermediairscollectief operates a Dutch cooperative providing independent financial advisors with access to 120 insurance companies, 30 mortgage providers (geldverstrekkers), and digital back-office tooling (Binco). Its offering combines an insurance/mortgage intermediary network, a private-label insurance brand (DAK Verzekeringen), a vehicle-leasing advisory domain (DAK Autolease), and a new cooperative participation model (DAK Participatie) with supporting underwriting agency infrastructure.
Product overview
DAK Intermediairscollectief is a cooperative providing independent financial advisors with access to a comprehensive financial services ecosystem. The core offering includes DAK Hypotheken (mortgage solutions from 30 providers), DAK Verzekeringen (private-label insurance via 120 insurers), and DAK Autolease (new advisory domain for vehicle leasing). Additional services include Binco (flexible back-office), DAK Participatie (new cooperative participation model), and webinars/online training. The platform connects approximately 1,500 independent advisors with 120 insurance specialists to deliver financial products and advisory services.
Differentiator
Problem solved
Functional benefit
Brands
- DAK Verzekeringen: Private label insurance brand offered through the cooperative.
- DAK Autolease
- DAK Participatie
- Binco
Products and services
- DAK Hypotheken Mortgage intermediation service providing member advisors access to financing solutions from 30 mortgage providers (geldverstrekkers), with fast processing and expert support for their clients.
- DAK Verzekeringen DAK's private-label insurance brand offering member advisors access to coverage through 120 insurance companies and various insurers, supported by DAK Volmacht underwriting agency infrastructure.
- DAK Autolease New advisory domain providing member advisors and their clients with auto leasing solutions across private, financial, operational, and short lease products, backed by DAK Customer Lease Service Center B.V.
- DAK Participatie Cooperative participation model combined with a new authorized insurance company (volmachtbedrijf), giving DAK members governance participation and stability-focused underwriting, an alternative to existing market models.
Quantifiable outcome
- Access to 120 insurance companies and 30 mortgage providers
- +1 more outcomes
Companies that use DAK
Customer profileNamed customers2 records
Segments1 record
Ideal customer profiles1 record
DAK technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
AI capability4 records
Feature3 records
DAK partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- ASN BankcoreDAK Intermediairscollectief and ASN Bank entered into a volmacht (subscription) partnership. This enables DAK's 1600 affiliated financial advisors to offer ASN Bank's sustainable mortgage proposition through the familiar DAK process more quickly and efficiently for their customers.
- Binco B.V.coreDigital back-office solution provider offering flexible binnendienst (back-office) services to DAK members for efficient practice management.
- 120 Insurance CompaniescoreInsurance providers accessible through DAK's intermediary network, including DAK Volmacht's delegated authority arrangements with insurers such as a.s.r.
- 30 Mortgage Providers (Geldverstrekkers)coreMortgage lenders providing financing solutions accessible to DAK member advisors for their clients.
Scale indicators4 records
Recent moves6 records
Expansion highlights4 records
DAK competitors and assessment
Company assessmentDirect peers
- Aevitae: Dutch insurance intermediary with broad product access for advisors and corporate clients; comparable to DAK in intermediation, volmacht, and group-insurance capabilities.
- Hypotheekshop: National Dutch mortgage broker network offering independent advisors access to multiple lenders, overlapping with DAK's mortgage intermediation and advisor-support proposition.
- VKG (Volmachtkantoor Groep): Dutch insurance intermediary collective that, like DAK, provides member advisors access to multiple insurers via delegated authority (volmacht) arrangements. Closest comparable on the cooperative/volmacht model serving independent Dutch advisors.
- Voogd & Voogd: Established Dutch insurance intermediary and service group serving independent advisors, with comparable offerings in advisory support, insurance product access, and back-office tooling.
- De Hypotheker: Largest Dutch mortgage broker chain with intermediation across multiple lenders; comparable to DAK's mortgage intermediation business (DAK Hypotheken) for the retail mortgage channel.
- Veldsink Adviesgroep: Network of independent Dutch financial advisors and insurance intermediaries with shared services and product access, structurally similar to DAK's cooperative distribution model.
Emerging players
- Moneyou: Dutch online mortgage and savings provider that interfaces with intermediaries; comparable on the mortgage origination channel accessible through DAK's 30 geldverstrekkers.
- TAF (Turien & Co. Assuradeuren): Dutch volmacht and insurance service provider focused on niche and specialty lines, overlapping with DAK's volmacht and advisor-support activities for specific product categories.
Broad incumbents
- ASR Nederland: Large Dutch insurer and one of the underlying carriers accessible via DAK's volmacht network. Comparable as a broad incumbent in the same Dutch insurance market, although operating as a carrier rather than intermediary.
- Nationale-Nederlanden (NN Group): Major Dutch life and non-life insurer that distributes through intermediaries including those within DAK's network. Broad incumbent comparable on the Dutch insurance value chain rather than as a direct intermediary competitor.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
DAK social profiles
Digital presenceDAK compliance and trust
Trust signalCompliance2 records
DAK financial estimates
Financial estimateRevenue estimate
Valuation estimate
DAK leadership team
Management profileNumber of profiles
Profiles1 record
DAK subsidiaries and ownership
Company hierarchySubsidiaries6 records
DAK funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
DAK 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 DAK
What does DAK do?
DAK Intermediairscollectief operates a Dutch cooperative providing independent financial advisors with access to 120 insurance companies, 30 mortgage providers (geldverstrekkers), and digital back-office tooling (Binco). Its offering combines an insurance/mortgage intermediary network, a private-label insurance brand (DAK Verzekeringen), a vehicle-leasing advisory domain (DAK Autolease), and a new cooperative participation model (DAK Participatie) with supporting underwriting agency infrastructure.
Is DAK a public or private company?
DAK is a private company. It is classified as management employee owned and is currently operating.
When was DAK founded?
DAK was founded in 1981. It employs 101 to 250 people.
Where is DAK based?
DAK is headquartered in Nieuwegein, Netherlands, in the Europe region.
How does DAK make money?
Three revenue lines are on record. Insurance Commission is the primary driver. The others are mortgage Arrangement Fees and member Service Fees.
Who are DAK's main competitors?
Direct peers on record are Aevitae, Hypotheekshop, VKG (Volmachtkantoor Groep), Voogd & Voogd, De Hypotheker and Veldsink Adviesgroep. Emerging players are Moneyou and TAF (Turien & Co. Assuradeuren). Broad incumbents are ASR Nederland and Nationale-Nederlanden (NN Group).
Does DAK have an API?
No public API is recorded for DAK.
What industry is DAK in?
DAK's product category is Financial Intermediary Services. Its primary akta.pro industry code is FSAEADAN, Insurtech-Enabled Brokerage (Digital Brokers & Aggregators), with a secondary code of FSAAACAI, Insurance-Integrated Wealth Managers (RIA + Insurance Solutions). Its NAICS code is 5242 and its SIC code is 6411.