kompare

What kompare does

Kompare (operating as kompare.hr) is a Croatian online comparison and contracting platform that aggregates insurance, telecommunications, and consumer credit offerings from 10+ insurance providers, all major Croatian telecom operators, and multiple partner banks into a single consumer-facing interface. Founded in 2012 as Optimum grupa d.o.o. and later rebranded to kompare.hr, the company enables Croatian consumers to compare side-by-side quotes for auto, health, property, and travel insurance; home internet, mobile, and TV packages; and mortgage, consumer, and refinancing loans — then either complete the purchase online or request a callback from a trained specialist. The service is free to consumers, with revenue generated entirely from transaction commissions paid by insurance companies, banks, and telecom operators upon contract completion, and distributed via a multi-entity regulated group structure (Custodia d.o.o. for insurance brokerage, Kompare posredovanje d.o.o. for credit intermediation, Kompare partner d.o.o. for advisory, and Optimum grupa d.o.o. as the legacy parent).

The platform's core technology comprises a multi-provider quote comparison engine, integrated payment processing via WSpay for credit/debit card transactions, a free offer calculator and creditworthiness calculator, and an inside-sales callback feature where specialists phone users within minutes of a callback request. Distribution is exclusively digital through the kompare.hr website, supported by a Savjetnik (Advisor) content marketing engine for SEO-led top-of-funnel acquisition, email newsletters, and a phone-based sales support channel. The company self-reports 200,086+ cumulative customers, 100,000+ contracts signed annually, and a 4.9/5 user rating from 3,008 reviews on Trustprofile, and describes itself as the largest independent comparator in Croatia.

Operationally, the company is bootstrapped with no external investors, 11–50 employees, offices in Rijeka (headquarters) and Zagreb, and operates exclusively within the Croatian market under regulation by HANFA (insurance), the Croatian National Bank and Ministry of Finance (credit intermediation), and HAKOM (telecommunications). Revenue streams are diversified across three verticals, reducing single-product dependency, but limited geographic reach, absence of disclosed financial metrics, and lack of institutional capital suggest a mature but constrained operating profile.

Name

kompare

Legal name

Kompare online d.o.o.

Website

https://kompare.hr

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

11–50 employees

Short description

Kompare.hr is a Croatian online comparison and contracting platform enabling consumers to compare and purchase insurance, telecommunications, and loan products from multiple providers in one interface, serving over 200,000 Croatian consumers with revenue from provider commissions.

Ownership category

akta.pro rank

Product category

Insurance and financial product comparison

NAICS

Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)

SIC

Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Contract Administration Support (PO/Contract Compliance) (BPAAAJAE)

Keywords

• Insurance comparison
• Telecom comparison
• Loan comparison
• Online price aggregator
• Consumer finance marketplace

Headquarters

HQ city

Rieka

HQ country

Croatia

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Digital Commerce or Content

Cost components

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

Revenue model

1. Commission from insurance providers: Kompare.hr charges a commission to insurance companies each time a customer purchases an insurance policy (auto, health, property, travel) through the platform. The service is free for the consumer. The insurance distribution is facilitated by authorized intermediary Custodia d.o.o.
2. Commission from telecom operators: Kompare.hr earns a commission from telecom operators when customers sign up for internet, phone, or TV packages through the platform.
3. Commission from banks (loan intermediation): Kompare.hr acts as a credit intermediary earning commissions from banks for mortgage, consumer, and other loans arranged through the platform. Licensed through Kompare posredovanje d.o.o. with Ministry of Finance and Croatian National Bank approvals.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

kompare.hr operates a free online comparison and contracting platform for Croatian consumers, aggregating vehicle, health, property, and travel insurance from 10+ insurance providers, fixed/mobile internet, telephony, and TV packages from all major telecom operators, and mortgage, consumer, construction, and refinancing loans from multiple partner banks. Customers compare offers side-by-side on the website, can complete contracts digitally with email-delivered policies, or request a callback from a trained specialist who assists within minutes. Revenue is generated from commissions paid by insurers, telecom operators, and banks on completed contracts, with regulated intermediation handled through licensed subsidiaries Custodia d.o.o. and Kompare posredovanje d.o.o.

Product overview

Kompare.hr is a multi-category online comparison and contracting platform operating as a single unified web service. The platform brings together vehicle insurance (mandatory auto, kasko, motorcycle, cargo vehicle), health insurance (supplementary, additional, employee, travel), property insurance, telecommunications services (fixed/mobile internet, phone, TV, fiscal cash registers), and loans (mortgage, non-purpose, construction, refinancing) into one portal. It enables users to compare and directly contract offers from over 10 insurance companies and all telecom operators on a single platform, powered by expert advisors and free calculator tools. The company was rebranded from Optimum grupa and has operated since 2012, serving over 200,000 customers and facilitating more than 100,000 contracts annually.

Differentiator

Problem solved

Functional benefit

Products and services

• Osiguranje vozila (Vehicle Insurance) Comparison and contracting platform for vehicle insurance covering mandatory auto insurance (AO), comprehensive (kasko) insurance, motorcycle insurance, and cargo vehicle insurance. Guarantees the lowest price on the market, with contracts facilitated through HANFA-licensed Custodia d.o.o.
• Zdravstveno osiguranje (Health Insurance) Comparison platform for supplementary health insurance, additional health insurance, employee health plans, and travel insurance, with access to B-list medication coverage options. Targets Croatian individuals and businesses seeking employee health coverage.
• Osiguranje imovine (Property Insurance) Comparison and contracting service for home and apartment insurance, with monthly coverage starting from €3.94 for apartments and €7.48 for houses. Includes guidance on filing property claims.
• Putno osiguranje (Travel Insurance) Travel insurance covering medical treatment costs and hospitalization, available as standalone coverage or bundled with other insurance products offered through the platform.
• Telekomunikacije (Telecommunications) Comparison platform for all major Croatian telecom operators covering fixed services (internet, phone, TV), home internet, portable internet, mobile tariffs, business plans, and fiscal cash registers, supplemented by speed test and coverage check tools.
• Krediti (Loans) Comparison platform for mortgage loans, non-purpose loans, construction loans, and loan refinancing across multiple partner banks, with creditworthiness and loan calculators. Credit intermediation handled by Ministry of Finance- and Croatian National Bank-licensed Kompare posredovanje d.o.o.

Quantifiable outcome

• Over 100,000 contracts signed annually through the platform
• +2 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

23 partnerships are on record, tiered core and minor.

• Custodia d.o.o.coreChannel Partner/ Reseller/ DistributorCustodia d.o.o. is the authorized insurance intermediary ( zastupanje u osiguranju) that enables Kompare.hr to distribute insurance products. Licensed by HANFA since 9 August 2013 (Class: UP/I-453-02/13-37/38). Both companies share board members and are operationally closely integrated.
• Kompare posredovanje d.o.o.coreChannel Partner/ Reseller/ DistributorKompare posredovanje d.o.o. holds licenses from the Ministry of Finance (credit intermediation, last license dated 25.06.2025) and Croatian National Bank (housing credit intermediation for PBZ and ZABA) enabling loan distribution through the platform.
• Kompare partner d.o.o.coreChannel Partner/ Reseller/ DistributorKompare partner d.o.o. provides advisory services with additional bank licenses (OTP, Erste, HPB) for credit intermediation.
• Optimum grupa d.o.o.coreChannel Partner/ Reseller/ DistributorOptimum grupa d.o.o. holds additional credit intermediation licenses (Ministry of Finance, PBZ, Erste, OTP) and shares operational branding with Kompare.hr, which was formerly known as Optimum grupa.
• Triglav osiguranjeminorOthersInsurance provider featured in Kompare.hr's partner logo wall, offering auto, health, property and other insurance products through the platform.
• Generali osiguranjeminorOthersInsurance provider featured in Kompare.hr's partner logo wall.
• Euroherc osiguranjeminorOthersInsurance provider featured in Kompare.hr's partner logo wall.
• Groupama osiguranjeminorOthersInsurance provider featured in Kompare.hr's partner logo wall.
• Adriatic osiguranjeminorOthersInsurance provider featured in Kompare.hr's partner logo wall.
• Sava osiguranjeminorOthersInsurance provider featured in Kompare.hr's partner logo wall.
• Allianz osiguranjeminorOthersInsurance provider featured in Kompare.hr's partner logo wall, currently running a promotional action for MOJ AUTO policies (June-August 2026).
• Grawe osiguranjeminorOthersInsurance provider featured in Kompare.hr's partner logo wall.
• Wiener osiguranjeminorOthersInsurance provider featured in Kompare.hr's partner logo wall.
• Uniqa osiguranjeminorOthersInsurance provider featured in Kompare.hr's partner logo wall, running multiple promotional actions (travel insurance 50% discount, supplementary health insurance discounts, AO bonus promotions).
• A1 HrvatskaminorOthersTelecom operator featured in Kompare.hr's partner logo wall, offering fixed internet, mobile plans, and TV services.
• IskonminorOthersTelecom operator featured in Kompare.hr's partner logo wall.
• T-com (HT)minorOthersTelecom operator featured in Kompare.hr's partner logo wall.
• TelemachminorOthersTelecom operator featured in Kompare.hr's partner logo wall.
• ZB-UniqaminorOthersTelecom operator featured in Kompare.hr's partner logo wall.
• Erste bankaminorOthersBanking partner featured in Kompare.hr's partner logo wall, offering mortgage and consumer loans facilitated through the platform.
• PBZ (Privredna banka Zagreb)minorOthersBanking partner featured in Kompare.hr's partner logo wall.
• HPB (Hrvatska poštanska banka)minorOthersBanking partner featured in Kompare.hr's partner logo wall.
• OTP bankaminorOthersBanking partner featured in Kompare.hr's partner logo wall.

Scale indicators6 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Confused.com: UK insurance-led comparison platform. Strong analog for kompare's motor insurance focus and lowest-price-match positioning, with a comparable lead-generation and conversion model.
• Uswitch: UK consumer comparison and switching service for energy, broadband, and personal finance. Operates under the same aggregator logic as kompare's call-back and digital contracting flow.
• Compare the Market: UK multi-category price comparison brand for insurance, energy, and financial products. Directly comparable to kompare's positioning as a recognizable, branded, multi-category comparison destination.
• Check24: Germany's largest multi-category comparison platform (insurance, telecom, energy, finance). Closest analog to kompare's model — free consumer service with commission-based revenue from providers — and the clear benchmark for a multi-category aggregator with integrated digital contracting.
• Verivox: German comparison platform for energy, telecom, and insurance products. Comparable multi-category aggregator serving consumers with provider-funded commissions and digital contract flow — a strong benchmark for kompare's insurance + telecom stack.
• Selectra: Pan-European telecom, energy, and insurance comparator with strong presence across multiple European markets. Comparable in product breadth, particularly for telecom comparison where kompare is also active.
• GoCompare: UK price comparison platform focused on insurance, energy, and financial products. Operationally and economically similar to kompare.hr's lead/call-back conversion model for insurance and credit products.
• LeLynx: France's leading multi-insurance and credit comparison platform operating on the same commission-per-contract model as kompare. Useful for European-scale comparison economics.
• MoneySupermarket: UK's largest multi-product comparison site for insurance, banking, and home services. Operates the same business model as kompare — free consumer use, commission per contract from providers — serving as a publicly observable benchmark for aggregator economics.

Regional players

• Tarifcheck: German comparison platform for insurance, finance, and telecom. Comparable business model to kompare but limited to German-speaking markets — represents the type of regional specialist kompare could face if it expands into other Balkan markets.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/komparehr
• Facebookfacebook.com/komparehr
• LinkedInlinkedin.com/company/kompare-hr

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries4 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 kompare