ZFP AKADEMIE

Name

ZFP AKADEMIE

Legal name

ZFP akademie, a.s.

Website

https://zfpa.cz

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

101–250 employees

Short description

ZFP AKADEMIE is a Czech financial education and intermediation company founded in 1995 that delivers entry-level personal finance seminars across all 14 Czech regions and Slovakia, converting participants into clients for brokerage of insurance, pension, investment, and banking products from 18+ institutional partners.

Ownership category

akta.pro rank

Product category

Financial Education and Intermediation

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411), Investment Advice (6282)

akta.pro primary industry

Insurance Program Administration & MGA/MGU Services (FSAEADAK)

akta.pro secondary industries

Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL), Individual Health Insurance Brokerage & Distribution (FSAIAEAL), Personal Financial Management & Budgeting (PFM) (FSAGAAAH)

Keywords

• Financial education seminars
• Financial product intermediation
• Personal finance literacy
• Insurance brokerage services
• Pension fund advisory

Headquarters

HQ city

Breclav

HQ country

Czechia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Financial Product Intermediation/Brokerage: The company acts as one of the largest educational and intermediation companies in the financial sector. The educational seminars serve as an entry point to identify potential clients for financial product brokerage services, including insurance, investments, pension funds, real estate funds, and other financial products. The company facilitates transactions between clients and financial institutions (insurance companies, banks, pension companies).
2. Educational Services: Seminars and educational programs in the field of personal finance, financial products, security, inflation protection, and financial know-how. The basic seminar serves as an introduction to the financial world.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

ZFP AKADEMIE operates as a financial education and intermediation company, delivering IES-certified seminars on personal finance, insurance, investments, pension products, and inflation protection to the general public. It also acts as a financial product broker, intermediating insurance, investment, pension, and real estate products from major Czech and Slovak financial institutions, supported by a proprietary mobile application (Šanon klienta) for client portfolio overview.

Product overview

ZFP AKADEMIE operates as a financial education and brokerage company offering a unified educational platform centered around its certified educational system. The core offering includes the Základní seminář (Basic Seminar), an entry-level financial education program, complemented by the Šanon klienta mobile application for client financial management. The company provides financial intermediation services across insurance, investment, pension, and real estate products through a network of regional offices and business partners.

Differentiator

Problem solved

Functional benefit

Brands

• Šanon klienta: Mobile application providing clients with easy access to their financial information, offering overview and management of their finances in one place.

Products and services

• Základní seminář (Basic Seminar) Entry-level financial education seminar for the general public, covering financial products, family finance management, investment strategies, and path to financial independence. The seminar is divided into blocks including registration, philosophy, family finance (Parts 1 and 2), and financial independence.
• Vzdělávací systém ZFP akademie (ZFP akademie Educational System) Comprehensive financial education system certified by the International Education Society (IES), covering financial products, insurance, investment, inflation protection, and retirement planning for the general public. Includes progression from basic seminar to advanced training and career development within the ZFP distribution network.
• Šanon klienta (Client Portfolio Mobile Application) Mobile application enabling ZFP AKADEMIE clients to view their financial products and manage their financial information in one place, providing an always-available consolidated financial overview. Available on iOS (App Store) and Android (Google Play).
• Financial Product Intermediation Services Brokerage and intermediation services for insurance, investment, pension, and real estate products, connecting clients with products from Allianz, ČSOB, Česká spořitelna, Komerční banka, Generali, UNIQA, Kooperativa, NN, Conseq, J&T Banka, Raiffeisenbank, UniCredit, mBank, BNP Paribas / Cetelem, AXA, and other partner financial institutions.

Quantifiable outcome

• 360,000+ participants trained through seminars
• +2 more outcomes

Named customers4 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

19 partnerships are on record, tiered core and minor.

• ZFP GROUPcoreOthersZFP GROUP, a.s. is the parent holding company. ZFP AKADEMIE is part of the ZFP GROUP portfolio of companies. Other group companies include ZFP Finance, ZFP Gold, ZFP Investments, ZFP Reality, and ZFP Payments. The group provides stability and a wide portfolio of services from insurance to real estate funds.
• ZFP akadémia (Slovakia)coreOthersZFP akadémia, a.s. based in Holíč, Slovakia is a joint controller with Czech ZFP AKADEMIE. Slovak collaborators have a common business career and can operate in both Czech Republic and Slovakia under applicable conditions. Both companies share a common information system (with strict separation of Czech and Slovak data).
• Allianz (penzijní společnost, pojišťovna)minorChannel Partner/ Reseller/ DistributorFinancial institution partner providing pension and insurance products. ZFPA acts as intermediary for Allianz products.
• ČSOB (Československá obchodní banka, Penzijní společnost, Pojišťovna, Leasing)minorChannel Partner/ Reseller/ DistributorMajor Czech banking group partner providing banking, pension, insurance, and leasing products through ZFPA intermediation.
• Česká spořitelna (penzijní společnost)minorChannel Partner/ Reseller/ DistributorMajor Czech bank and pension company partner. ZFPA provides intermediation services for their products.
• Komerční banka (KB, KB Penzijní společnost, Komerční pojišťovna)minorChannel Partner/ Reseller/ DistributorMajor Czech banking group partner including pension fund and insurance subsidiaries. ZFPA acts as intermediary.
• Generali (Česká pojišťovna, Investments, Penzijní společnost)minorChannel Partner/ Reseller/ DistributorItalian-Czech insurance and investment group partner. ZFPA distributes their insurance, investment, and pension products.
• UNIQA pojišťovnaminorChannel Partner/ Reseller/ DistributorAustrian insurance company partner. ZFPA provides intermediation for their insurance products.
• Kooperativa pojišťovnaminorChannel Partner/ Reseller/ DistributorCzech insurance company (Vienna Insurance Group). ZFPA distributes their insurance products.
• NN (Penzijní společnost, Životní pojišťovna)minorChannel Partner/ Reseller/ DistributorDutch insurance and pension company operating in Czech Republic. ZFPA acts as intermediary for their products.
• Conseq Investment ManagementminorChannel Partner/ Reseller/ DistributorCzech asset management company. ZFPA distributes their investment products.
• J&T BANKAminorChannel Partner/ Reseller/ DistributorCzech private bank partner. ZFPA provides intermediation for their banking products.
• Raiffeisenbank, Raiffeisen stavební spořitelnaminorChannel Partner/ Reseller/ DistributorAustrian banking group subsidiary in Czech Republic. ZFPA distributes their banking and building society products.
• UniCredit BankminorChannel Partner/ Reseller/ DistributorPan-European banking group. ZFPA provides intermediation for their banking products.
• mBankminorChannel Partner/ Reseller/ DistributorPolish digital bank operating in Czech Republic. ZFPA distributes their products.
• Direct pojišťovnaminorChannel Partner/ Reseller/ DistributorCzech direct insurer. ZFPA provides intermediation for their insurance products.
• Pillow pojišťovnaminorChannel Partner/ Reseller/ DistributorCzech insurance company. ZFPA distributes their insurance products.
• AXA (penzijní společnost, pojišťovna)minorChannel Partner/ Reseller/ DistributorFrench insurance and pension company. ZFPA distributes their products in Czech market.
• BNP Paribas Personal Finance (Cetelem)minorChannel Partner/ Reseller/ DistributorFrench consumer finance company. ZFPA provides intermediation for their credit products.

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Broker Trust: Czech financial broker and intermediary distributing life, non-life, and investment products from multiple carriers. Operates in the same product category and customer segment as ZFP AKADEMIE, making it one of the most direct domestic comparables.
• Fincentrum: Czech financial advisory and product comparison platform helping consumers select banking, insurance, and investment products. Comparable to ZFP AKADEMIE as a Czech financial education and intermediation player, though more digital-led.
• OVB Holding: Germany-headquartered financial advisory group with deep CEE operations (Czech Republic, Slovakia, Poland, Hungary), distributing insurance, banking, and investment products through a large network of advisors. Closely comparable to ZFP AKADEMIE in its multi-country CEE intermediation model and broad-carrier product mix.
• Partners Financial Services: Czech financial advisory and intermediation group that built a multi-product distribution network (insurance, investments, banking) supported by a structured advisor training system. Highly comparable to ZFP AKADEMIE's seminar-trained advisor funnel and product breadth.

Broad incumbents

• Swiss Life Select (formerly AWD): International financial advisory network (originally AWD, now Swiss Life Select) with established Czech operations, providing insurance, pension, and investment advice through salaried and self-employed advisors. Comparable as a broad incumbent offering similar intermediation services across Europe.
• Generali Česká pojišťovna: One of the largest Czech insurers and a distribution partner of ZFP AKADEMIE. Comparable as a broad incumbent in the same product category (life and non-life insurance intermediation/distribution) and customer segment (Czech mass market).
• NN Životní pojišťovna: Czech arm of Dutch insurance/pension group NN, distributing life insurance and pension products through multiple channels including intermediaries. Comparable as a carrier-side incumbent that competes for the same end-customer relationship that ZFP AKADEMIE intermediates.
• Kooperativa pojišťovna (VIG): Major Czech insurer within the Vienna Insurance Group, distributing life, non-life, and pension products via agents, brokers, and direct channels. Comparable broad incumbent and ZFP AKADEMIE distribution partner operating in the same Czech insurance intermediation ecosystem.

Regional players

• 4fin: Slovak financial advisory and intermediation company offering insurance, investment, and banking product distribution. Comparable as a regional player operating the same seminar/advisor-based intermediation model in the Slovak market served by ZFP AKADEMIE's sister entity.

Emerging players

• ChytrýHonza: Czech digital financial comparison and advisory platform focusing on consumer financial product selection (banking, insurance, mortgages). Represents the digital-first emerging model that competes with seminar-based intermediation for the same Czech mass-market customer.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights8 records

Customer concentration

• LinkedInlinkedin.com/company/zfp-group

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 ZFP AKADEMIE