What Nedasco does

Nedasco B.V. is a Dutch insurance service provider headquartered in Amersfoort, Netherlands, and a wholly-owned subsidiary of ASR Nederland N.V. through D&S Holding B.V. The company operates as a 'supermarket' of insurance products, holding volmachten (underwriting authorities) from approximately 30 insurers including a.s.r., Allianz, NN, Avero Achmea, Chubb, ARAG, Hiscox, and others. It does not advise end customers directly; instead it serves more than 1,300 independent financial advisors (assurantietussenpersonen) who use Nedasco as their back-office and product-access layer for placing, administering, and servicing policies on behalf of consumers and SMEs.

Its portfolio is structured around three bundled packages — Full Service Inkomenpakket (income/absence), Optimaal Pakket Zakelijk (business), and Optimaal Pakket Particulier (personal) — each combining policies from multiple carriers under a single contract with package discounts of up to 10% (consumer) and 7% (business). These are supported by a proprietary digital ecosystem: Bedrijventool (commercial lines comparison across 26 volmacht products with KVK auto-enrichment), Inkomentool and Inkomendashboard (income insurance comparison and advisory analytics), Kies-Vergelijk-Sluit (personal lines portal), the ServiceNet extranet for advisor administration, and VerzekeringsInzicht, an employer portal for absence and insurance management. Adjacent services include ArboNext (in-house arbodienst), Be Suitable (casemanagement and WGA support), DitIsZorg, and the recently launched Verzuim & CO module combining absence insurance with mental-balance and financial-fitness self-help tools.

Nedasco earns revenue from three streams: (1) intermediation commissions on policies placed and administered under its volmachten, (2) a recurring servicebijdrage per policy/package (€1.75 consumer / €2.75 employer per year from January 2026, with a €6/year surcharge for paper correspondence), and (3) package-level revenue from Optimaal Pakket bundles. It markets through content marketing, customer-story publishing, LinkedIn advertising, training events such as the 'Risicomanagement: Verzuim in de praktijk' program, and dedicated regional account managers (three rayons) backed by specialized service teams for income and commercial lines.

Name

Nedasco

Legal name

Nedasco B.V.

Website

https://nedasco.nl

Company type

Private

Founded year

1970

Operating status

Operating

Headcount range

101–250 employees

Short description

Nedasco is a Dutch insurance service provider and a.s.r. subsidiary that operates as a multi-carrier 'supermarket,' giving more than 1,300 independent financial advisors access to volmachten from ~30 insurers alongside proprietary digital tools and absence-management services.

Ownership category

akta.pro rank

Product category

Insurance Intermediation Services

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurtech-Enabled Brokerage (Digital Brokers & Aggregators) (FSAEADAN)

akta.pro secondary industry

Policy Administration, Underwriting & Rating Platforms (Core Insurance SaaS) (FSAGAGAB)

Keywords

• Insurance intermediation
• Financial advisory services
• Business insurance packages
• Income protection insurance
• Occupational health services

Headquarters

HQ city

Amersfoort

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. Servicebijdrage (Service Fee): Nedasco charges a service fee per insurance policy or package. This fee maintains and develops their systems and tools. For consumers, the fee is €1.75 per policy/package per year (as of January 2026). For employers and self-employed, the fee is €2.75 per policy/package per year. Additional charges apply for paper correspondence (€6/year).
2. Insurance Intermediation: As a volmacht (underwriting authority) for multiple insurers, Nedasco earns commissions for placing insurance policies and handling administrative tasks including policy issuance, premium collection, and claims processing on behalf of insurers.
3. Package Discounts: Nedasco offers Optimaal Pakket (Optimal Package) bundled insurance products that combine multiple policies, earning package-level revenue with discounts up to 10% for consumers and 7% for business customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels5 records

Core offering

Nedasco operates as an insurance service provider acting as an intermediary between approximately 30 insurers and Dutch financial advisors (assurantietussenpersonen). It holds volmacht (underwriting authority) agreements with multiple insurers, enabling it to quote, accept, and service policies on their behalf. The company bundles insurance products into Optimaal Pakket offerings for business and personal lines, supports advisors with proprietary digital tools for comparison and policy administration, and provides absence-management and occupational-health services.

Product overview

Nedasco is a service provider in insurance for financial advisors, operating as a 'supermarket' of insurance products through authority agreements (volmachten) with approximately 30 insurers. Its portfolio consists of three main bundled insurance packages — Full Service Inkomenpakket (income/absence insurance), Optimaal Pakket Zakelijk (business insurance), and Optimaal Pakket Particulier (personal insurance) — each combining policies from multiple insurers under one policy with package discounts. These core packages are supported by advisory and administrative tools: the Inkomentool and Inkomendashboard for income advisory, the Bedrijventool for commercial insurance quoting, and the Kies/Vergelijk & Sluit portal for personal insurance. Nedasco's own service layer includes ArboNext (occupational health), Be Suitable (absence case management), and DitIsZorg (care coordination), all accessible to advisors and employers through the Nedasco VerzekeringsInzicht employer portal. Additional offerings include Verzuim & CO (absence insurance with self-help modules) and a.s.r. Vitality (employee health reward program).

Differentiator

Problem solved

Functional benefit

Brands

• Verzuim & CO: A combination of absence insurance with self-help modules for mental balance, work pressure, and financial fitness.
• ArboNext
• Be Suitable
• Ditiszorg.nl
• Nedasco Inkomentool
• Nedasco Inkomendashboard
• Bedrijventool
• Optimaal Pakket Zakelijk
• Optimaal Pakket Particulier
• Nedasco VerzekeringsInzicht
• Full Service Inkomen Pakket

Products and services

• Optimaal Pakket Zakelijk Bundled insurance package for Dutch business clients that combines multiple commercial insurance lines into a single offering, sold and serviced through affiliated financial advisors.
• Optimaal Pakket Particulier Bundled insurance package for personal/private clients that combines multiple personal insurance lines into one administration, distributed through affiliated financial advisors.
• Full Service Inkomenpakket Full-service income-protection insurance package covering disability, employer-paid absence, and related income-replacement risks for employees, delivered via financial advisors.
• VerzekeringsInzicht Digital portal that gives employers a single overview of their absence, sick-leave reporting, return-to-work progress, and insurance policy information with their advisor.
• Bedrijventool Digital workspace that enables financial advisors to quickly quote, compare, and take out business insurance products from multiple insurers through a single interface.
• Inkomentool Digital tool used by financial advisors to quote and administer income-protection insurance products across Nedasco's carrier portfolio.
• Inkomendashboard Online dashboard that gives financial advisors an integrated overview of all income-protection policies they administer, including status and reporting views.
• Kies, Vergelijk & Sluit Workflow that allows financial advisors to select, compare, and close personal and business insurance products from Nedasco's carrier portfolio.
• Verzuim & CO New absence-management and claims-support service that combines case management, sick-leave handling, and employer support delivered together with affiliated advisors.
• ArboNext Occupational-health service offered in partnership that provides employers access to arbo services integrated with Nedasco's insurance offerings.
• Be Suitable Partnered service that helps employers with re-integration support and suitability assessments for employees on sick leave.
• DitIsZorg.nl Partnered care-services platform that gives employers and employees access to care and well-being providers as part of insurance and absence workflows.
• a.s.r. Vitality Workplace well-being and vitality program offered as a subscription per employee per month, available through affiliated advisors to employer clients.

Quantifiable outcome

• Package discounts up to 10% for consumers and 7% for business customers
• +2 more outcomes

Named customers8 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature5 records

Partnerships

Seven partnerships are on record, tiered core.

• a.s.r.coreStrategic or Co-development Partnera.s.r. is the parent company of Nedasco (100% subsidiary through D&S Holding B.V.). Nedasco operates as the distribution and service arm for a.s.r.'s insurance products and follows a.s.r.'s human rights policy. a.s.r. Vitality wellness program is offered through Nedasco to employers with income insurance.
• AllianzcoreTechnology or IntegrationOne of approximately 30 insurers with volmacht (underwriting authority) arrangement, enabling Nedasco to offer Allianz insurance products through its advisor network.
• Anker (Nationale-Nederlanden)coreTechnology or IntegrationOne of approximately 30 insurers with volmacht arrangement for income and other insurance products.
• Avero AchmeacoreTechnology or IntegrationOne of approximately 30 insurers with volmacht arrangement. Note: Only Compleet Bij Elkaar products eligible for package discounts; Avéro POZ products not eligible.
• NN (Nationale-Nederlanden)coreTechnology or IntegrationOne of approximately 30 insurers with volmacht arrangement. Note: NN Zekerheid Op Maat products not eligible for Optimaal Pakket Zakelijk discounts.
• Be SuitablecoreStrategic or Co-development PartnerBe Suitable is Nedasco's strategic partner for absence management and social security services. They provide the Werkgeversdesk (employer helpdesk), Register Casemanagement for MKB clients, and WGA case management for disability insurance clients. Be Suitable delivers these services on behalf of Nedasco.
• ArboNextcoreStrategic or Co-development PartnerArboNext is Nedasco's own arbodienst (health and safety service) that helps MKB employers manage employee employability. Provides comprehensive absence management support.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• MeesRisicobeheer: Dutch insurance service provider supporting advisors with risk analysis, policy administration, and multi-insurer placement. Comparable B2B service layer for financial advisors as Nedasco.
• Heilbron: Dutch insurance intermediary and service provider serving advisors and end customers with personal and commercial lines. Overlaps with Nedasco in advisor enablement, multi-insurer access, and absence/income insurance.
• Aevitae: Netherlands-based insurance service provider and gevolmachtigd agent specializing in income, absence, and health insurance distributed through advisors. Comparable multi-insurer intermediary model with similar advisor-led distribution and Dutch market focus.
• Ansvar Verzekeringsmaatschappij (AnsvarIdeaal): Dutch gevolmachtigd agent distributing insurance products from multiple insurers via independent advisors. Comparable model focused on advisor enablement and multi-carrier product placement in the Netherlands.
• Turien & Co Assuradeuren: Dutch gevolmachtigd agent offering personal and commercial insurance products from multiple insurers through financial advisors. Comparable underwriting-authority-based model serving the same advisor channel as Nedasco.
• Voogd & Voogd: Dutch insurance service provider and gevolmachtigd agent with underwriting authorities from multiple insurers, serving financial advisors with comparison tools and policy administration. Closely comparable to Nedasco's volmacht-based 'supermarket' model and advisor channel focus.

Emerging players

• Insify: Dutch digital-first business insurance broker targeting SMEs. Represents the emerging direct-to-advisor/insurtech competitive threat to traditional volmacht intermediaries like Nedasco in the SME commercial lines segment.

Broad incumbents

• Marsh Netherlands: Major international insurance broker with a Dutch entity serving corporate and commercial clients with risk management and insurance placement. Overlaps with Nedasco's commercial insurance intermediation but at enterprise/Mid-Market scale rather than SME/advisor focus.
• Aon Netherlands: Global insurance brokerage with a substantial Dutch operation offering commercial insurance, risk advisory, and reinsurance. Comparable distribution and risk advisory capabilities but at much larger scale and broader scope than Nedasco's advisor-focused model.
• Allianz Netherlands: One of the ~30 insurer partners that grants Nedasco underwriting authority, and a major Dutch insurer offering personal, commercial, and income insurance. Comparable in product set but operates as a carrier rather than as Nedasco's intermediary model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/nedasco
• Facebookfacebook.com/nedasco

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Nedasco