DKG

What DKG does

DKG Dresdner Konzeptberatungsgesellschaft mbH is a privately held German financial advisory firm founded in 2013 and headquartered in Dresden, with additional physical offices in Chemnitz and Leipzig and nationwide online consultation coverage. The firm operates under the trade name DKG and is owned and managed by its two founders, Martin Husse and Robert Memmler, both serving as Geschäftsführer. DKG holds the full bundle of German financial intermediary licenses — §34d (insurance brokerage), §34f (financial investment intermediation), §34i (real estate loan intermediation) and §34c (real estate brokerage) — registered with IHK Dresden, and as a §93 HGB Versicherungsmakler is legally mandated to act in client rather than provider interests. Since founding, DKG has accumulated 7,000+ managed mandates and currently coordinates 30+ brokers and advisors across specialized areas.

The firm's core product is the proprietary DKG-Strukturkonzept, a five-phase consulting methodology (Analysis & Goal Clarification, Inventory & Structure, Individual Conception, Implementation, Ongoing Support) that integrates existing contracts, goals, risk structure, liquidity and long-term asset development into a single financial structure rather than selling individual products. This methodology is supported by service modules covering insurance and provision (Absicherung und Vorsorge), capital accumulation and wealth (Kapitalaufbau und Vermögen), real estate and financing (Immobilien und Finanzierung), and tax and legal advisory (Steuer und Recht), plus specialized offerings for B2B clients, company pension schemes through the DKG Business sub-brand, women-focused advisory, and an emergency documentation tool (Nothilfepass DKG). A wholly-owned subsidiary, DKG Immobilien GmbH, provides real estate marketing and access to a network of private and institutional investors, and the firm maintains access to 300+ bank financing partners.

DKG generates revenue through commission and fee arrangements across its licensed activities: insurance brokerage commissions paid by insurers (§34d), third-party compensation from product providers for investment intermediation (§34f), performance-based fees from lenders for real estate loan intermediation (§34i), and commissions on real estate transactions (§34c), with the real estate flow channeled through the DKG Immobilien GmbH subsidiary. The go-to-market model is sales-led and consultative, combining free initial non-binding consultations with in-person Saxon offices and nationwide digital delivery. The firm is rated 5.0 stars on Google across all branches with 700+ Google reviews, 853 WhoFinance reviews and 1,400+ cooperating-broker client ratings, indicating strong consumer trust. No external funding, acquisitions, or public financial disclosures are present in the available data.

Name

DKG

Legal name

DKG Dresdner Konzeptberatungsgesellschaft mbH

Website

https://dresdner-konzept.de

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

11–50 employees

Short description

DKG (Dresdner Konzeptberatungsgesellschaft mbH) is a Dresden-based, privately held German financial advisory firm licensed across insurance, investments and real estate that delivers holistic, structure-based financial consulting to private clients, B2B mid-market clients and specialized segments across Germany.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242), Portfolio Management and Investment Advice (523940)

SIC

Insurance Agents, Brokers & Service (6411), Real Estate Agents & Managers (For Others) (6531), Investment Advice (6282)

akta.pro primary industry

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)

akta.pro secondary industries

Commercial Real Estate Brokerage (Leasing & Sales) (FSAEAJAB), Real Estate Transaction Advisory & Due Diligence (FSAEAJAJ), Business Owner & Executive Financial Planning (FSAEAAAO), Mid-Market Commercial Package (Package Policies) (FSAJAFAB)

Keywords

• Financial advisory services
• Insurance brokerage services
• Wealth management consulting
• Real estate financing
• Retirement planning services

Headquarters

HQ city

Dresden

HQ country

Germany

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commission: As an insurance broker (§34d GewO) legally obligated to clients under §93 HGB, DKG receives commission/courtage from insurance companies included in the insurance premium paid by customers. Commission-based model where the broker represents client interests rather than insurer interests.
2. Financial Investment Advisory Fees: As a financial investment intermediary (§34f GewO), DKG receives compensation exclusively through third-party payments (product providers) which may be retained. Based on a sufficient market overview across the entire German market.
3. Real Estate Finance Intermediation: As a real estate loan intermediary (§34i GewO), DKG receives performance-based fees from lenders for successful intermediation, with amounts determined by loan amount, interest payments, and premiums. DKG acts independently of specific product providers.
4. Real Estate Brokerage: As a real estate broker (§34c GewO), DKG earns commissions on property transactions. Works in close connection with subsidiary DKG Immobilien GmbH which has access to a network of private and institutional investors.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

DKG (Dresdner Konzeptberatungsgesellschaft mbH) provides holistic financial advisory services built around its proprietary DKG-Strukturkonzept — a five-phase methodology that integrates analysis, inventory, individual conception, implementation, and ongoing support. The firm operates as a licensed insurance broker (§34d GewO), financial investment intermediary (§34f GewO), real estate loan intermediary (§34i GewO), and real estate broker (§34c GewO), legally obligated to represent client interests under §93 HGB. Core service lines span private and corporate insurance, capital accumulation and wealth management, real estate financing, and tax/legal advisory coordination.

Product overview

DKG (Dresdner Konzeptberatungsgesellschaft mbH) is a holistic financial advisory firm offering a structured consulting methodology built around its DKG-Strukturkonzept — a five-phase process encompassing analysis, inventory, individualized concept creation, implementation, and ongoing support. The core offering is the Konzeptberatung (Concept Consulting) module, which is supplemented by service modules covering Insurance & Provision (Absicherung und Vorsorge), Capital Building & Wealth (Kapitalaufbau und Vermögen), Real Estate & Financing (Immobilien und Finanzierung), Tax & Law (Steuer und Recht), and the Nothilfepass DKG emergency documentation tool. Specialized offerings include B2B Concept Consulting for business clients, Betriebliche Altersvorsorge (company pension schemes) via the DKG Business sub-brand, and Finanzberatung für Frauen (advisory services tailored to women). Supporting digital tools include an Online Calculator Suite. The DKG Immobilien GmbH subsidiary handles real estate services. All offerings are unified by the principle of structure over individual product sales, with nationwide online delivery and physical offices in Dresden, Chemnitz, and Leipzig.

Differentiator

Problem solved

Functional benefit

Brands

• DKG Business: Business segment offering B2B concept consulting, company insurance, company pension schemes, and business liquidity services.

Products and services

• DKG-Strukturkonzept (DKG Structural Concept) Holistic financial consulting methodology that integrates analysis, goal-setting, existing contracts, risk structure, and long-term wealth development into a structured five-phase process (analysis, inventory, conception, implementation, ongoing support), rather than selling individual financial products.
• Konzeptberatung (Concept Consulting for Private Clients)

Quantifiable outcome

• 7,000+ clients served nationwide since 2013
• +3 more outcomes

Named customers7 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• DKG Immobilien GmbHcoreStrategic or Co-development PartnerSubsidiary company of DKG specializing in real estate services. DKG Immobilien GmbH has the necessary liquid network of private and institutional investors, enabling comprehensive property marketing and investment services for DKG clients seeking real estate as capital investment.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Interhyp AG: Germany's largest mortgage broker offering construction financing across 400+ banks — comparable to DKG's real estate financing intermediation, though Interhyp is a much larger specialist rather than a holistic advisor.

Direct peers

• tecis Finanzdienstleistungen AG: German tied-agent financial advisory network offering insurance, investment and real estate financing products to retail clients — comparable in product breadth and German retail client focus.
• OVB Holding AG: European financial advisory group with strong German presence providing insurance, pensions, investments and real estate financing to retail clients through independent brokers — directly comparable cross-product advisory model.
• MLP SE: German financial advisory group serving private and corporate clients across insurance, wealth, pensions and real estate financing via multi-license brokers — directly comparable multi-product, license-based model to DKG's holistic concept approach.
• Dr. Klein Privatkunden AG: German intermediary specializing in mortgage and real estate financing with access to a broad lender panel — directly comparable to DKG's §34i loan intermediation and access to 300+ banks.
• Swiss Life Select Deutschland: German financial advisory arm of Swiss Life providing holistic insurance, wealth and pension advisory through licensed brokers — closely comparable multi-license, holistic concept approach to DKG.
• Deutsche Vermögensberatung (DVAG): Largest German retail financial advisory network offering insurance, investment and real estate financing products through a tied-agent structure — competes for the same holistic advisory client and uses similar nationwide offline + online coverage.
• A.S.I. Wirtschaftsberatung: German financial advisory firm focused on academics, physicians and senior professionals — directly comparable to DKG's profession-specific specializations (civil servants, athletes, Generation 50+) and concept-based methodology.
• Plansecur Finanzberatung: German independent financial advisory firm providing insurance, investment and pension concepts to retail and SME clients — comparable holistic concept-based methodology and multi-license structure.

Emerging players

• HONORARFINANZ AG: German fee-only financial advisor network positioning against commission-based brokers — represents the alternative model that could pressure commission-driven peers like DKG as consumer fee-awareness grows.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/DresdnerKonzeptberatungsGesellschaft
• LinkedInde.linkedin.com/company/dkg-dresdner-konzeptberatungsgesellschaft-mbh
• Instagraminstagram.com/dkg_mbh

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries1 record

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 DKG