DAK

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.

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

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

• Financial intermediary services
• Insurance intermediation
• Mortgage arrangement
• Advisor cooperative
• Financial advisory support

Headquarters

HQ city

Nieuwegein

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. 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.
2. Mortgage Arrangement Fees: Financing solutions from 30 mortgage providers generate arrangement fees through the intermediary collective.
3. 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

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core 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

Named customers2 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability4 records

Feature3 records

Partnerships

Four partnerships are on record, tiered core.

• ASN BankcoreStrategic or Co-development PartnerDAK 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.coreTechnology or IntegrationDigital back-office solution provider offering flexible binnendienst (back-office) services to DAK members for efficient practice management.
• 120 Insurance CompaniescoreChannel Partner/ Reseller/ DistributorInsurance 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)coreChannel Partner/ Reseller/ DistributorMortgage lenders providing financing solutions accessible to DAK member advisors for their clients.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Direct 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

• YouTubeyoutube.com/channel/UCXJM4Tjap8ukyBrDbQT-PWg
• LinkedInlinkedin.com/company/dak-intermediairscollectief
• Instagraminstagram.com/dak_intermediairscollectief

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries6 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 DAK