Netfinancie
Netfinancie.sk is Slovakia's online insurance price comparison and brokerage platform, operated by Czech parent Klik.cz & ePojisteni.cz s.r.o., enabling consumers to compare and purchase motor, travel, property, and personal insurance from 13+ providers directly online.
- Company typePrivate
- Founded2006
- HeadquartersBratislava
- Headcount11–50
- GTM typeB2C
- OfferingDigital Commerce or Content
What Netfinancie does
Netfinancie.sk is an online insurance comparison and brokerage platform serving Slovak consumers, operated by the Czech parent company Klik.cz & ePojisteni.cz s.r.o. through its Slovak organizational branch in Pezinok. The platform was established in 2006 and positions itself as the first online insurance price comparison and policy conclusion service in Slovakia. It aggregates insurance quotes from 13+ providers including Allianz, Generali, Kooperativa, UNIQA, Union, ČSOB, KOMUNÁLNA, Wüstenrot, Colonnade, Pillow, PREMIUM, DEFEND INSURANCE, and INTER PARTNER ASSISTANCE (AXA), covering motor (PZP mandatory liability, comprehensive, GAP, accident, glass), travel, property/home, vessel, and employee liability insurance.
The underlying technology is a proprietary online calculator and quotation system that performs real-time aggregation of insurer offers, displaying comparative pricing alongside product ratings. The platform is complemented by the Kerberos customer portal for policy self-management and a call center (0850 555 000) for telephone advisory. Distribution combines a self-serve product-led growth model with an affiliate/partner program enabling website owners and licensed financial intermediaries to earn commissions under Act 186/2009 Z.z. Revenue is generated entirely through affiliate referral commissions from insurance providers on concluded policies; end customers use the platform free of charge. The company is licensed and regulated as a financial intermediary by both the Czech National Bank (ČNB) and the National Bank of Slovakia (NBS) under EU passporting, and is a member of SAEC and SASP.
Netfinancie firmographics
Firmographics- Name
- Netfinancie
- Legal name
- Klik.cz & ePojisteni.cz s.r.o.
- Website
- https://netfinancie.sk
- Company type
- Private
- Founded year
- 2006
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Netfinancie.sk is Slovakia's online insurance price comparison and brokerage platform, operated by Czech parent Klik.cz & ePojisteni.cz s.r.o., enabling consumers to compare and purchase motor, travel, property, and personal insurance from 13+ providers directly online.
- Ownership category
- akta.pro rank
Netfinancie industry classification
Industry- Product category
- Insurance Comparison and Brokerage
- NAICS
- Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Digital Distribution & Comparison Platforms (Aggregators/Marketplaces) (FSAGAGAA)
Keywords
Where Netfinancie is headquartered
LocationHeadquarters
- HQ city
- Bratislava
Offices1 record
Markets served
Netfinancie business model
Business model- GTM type
- B2C
- Offering type
- Digital Commerce or Content
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations
Revenue model
- Insurance Commission (Sprostredkovateľské provízie): The company earns commissions from insurance providers for each policy successfully concluded through its platform. Insurance premiums are paid directly by the customer to the insurer, not to Netfinancie. The company acts as a licensed insurance intermediary registered with the Czech National Bank and National Bank of Slovakia.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Free comparison for all customers; commissions earned from insurers on concluded policies. |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels7 records
Netfinancie product offering
Product offeringCore offering
Netfinancie.sk operates an online insurance comparison and brokerage platform for Slovak consumers, allowing users to compare insurance products from multiple providers in one place. The platform specializes in motor insurance (PZP, comprehensive, GAP, glass, travel) and offers home, travel, employee liability, and vessel insurance products. Insurance contracts are intermediated with partner insurance companies.
Product overview
Netfinancie.sk is an online insurance comparison and brokerage platform operated by Klik.cz & ePojisteni.cz s.r.o., offering a comprehensive portfolio of insurance products through its proprietary online calculator. The platform's core offerings center on motor vehicle insurance (PZP mandatory liability and havarijné comprehensive coverage) and travel insurance, supplemented by property, home, and personal insurance products. The platform aggregates quotes from multiple insurance providers including Allianz, Generali, Kooperativa, Union, UNIQA, and others, enabling price comparison and online contract execution. Key platform features include an online calculator for instant quotes, the Kerberos customer portal for policy management, and an affiliated partner program. The platform primarily serves Slovak consumers seeking to compare and purchase insurance online.
Differentiator
Problem solved
Functional benefit
Products and services
- PZP (Mandatory Motor Liability Insurance) Comparison and brokerage of statutory third-party liability insurance for vehicle owners in Slovakia, comparing offers from multiple insurance providers.
- Havarijné poistenie (Comprehensive Car Insurance) Voluntary comprehensive vehicle insurance covering damage to the insured vehicle, offered through comparison with multiple Slovak insurers.
- GAP Insurance Insurance covering the difference between the vehicle's purchase price and its current market value in case of total loss or theft, available through comparison of multiple insurer offers.
- Car Glass Insurance Specialized insurance covering damage to vehicle glass, compared across multiple providers on the platform.
- Travel Insurance Travel insurance products compared from multiple insurers for Slovak travelers.
- Trip Cancellation Insurance Insurance covering cancellation costs of booked trips, compared from multiple providers.
- Home/Property Insurance
Quantifiable outcome
- Up to 50-65% savings on auto insurance compared to non-compared pricing
- +3 more outcomes
Companies that use Netfinancie
Customer profileNamed customers5 records
Segments4 records
Ideal customer profiles1 record
Netfinancie technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
Netfinancie partnerships and signals
Strategic signalPartnerships
15 partnerships are on record, tiered core.
- Allianz - Slovenská poisťovňacoreInsurance provider partner whose products (PZP, havarijné, travel, home) are featured in Netfinancie's online comparison calculator. Allianz offers vehicle, accident, and travel insurance products through the platform.
- Generali PoisťovňacoreInsurance provider partner offering PZP and other insurance products through the Netfinancie comparison platform. Also provides PZP for electric scooters and micro electric vehicles.
- KOOPERATIVA poisťovňacoreInsurance provider partner whose PZP and other insurance products are featured in the Netfinancie online comparison tool.
- KOMUNÁLNA poisťovňacoreSlovak insurance company partner featured in the Netfinancie comparison calculator for vehicle and other insurance products.
- UNIQA pojišťovnacoreInsurance provider partner whose products are available through the Netfinancie online comparison platform. UNIQA also offers PZP for e-bikes via its app and broker network.
- Union poisťovňacoreInsurance provider partner with vehicle insurance and other products featured in the Netfinancie comparison platform.
- ČSOB PoisťovňacoreInsurance provider partner whose products are available through the Netfinancie online comparison calculator.
- Wüstenrot poisťovňacoreInsurance provider partner whose insurance products are featured in the Netfinancie comparison calculator.
- Colonnade InsurancecoreInsurance provider partner available through the Netfinancie online comparison platform.
- Pillow pojišťovnacoreCzech insurance provider partner whose products are available through the Netfinancie comparison platform.
- PREMIUM PoisťovňacoreInsurance provider partner featured in the Netfinancie comparison calculator.
- DEFEND INSURANCEcoreInsurance provider partner whose products are available through the Netfinancie online comparison platform.
- INTER PARTNER ASSISTANCE (AXA)coreInsurance/assistance provider partner (affiliated with AXA group) whose products are featured in the Netfinancie comparison platform.
- National Bank of Slovakia (Národná banka Slovenska - NBS)coreRegulatory body overseeing the company's operations as a financial intermediary. Netfinancie's parent company Klik.cz & ePojisteni.cz is registered with NBS as a financial intermediary from another Member State under registration number 220808/260242.
- Czech National Bank (Česká národná banka - ČNB)coreRegulatory body in the Czech Republic that issued the insurance intermediary license to Klik.cz & ePojisteni.cz s.r.o. The company is registered in ČNB's insurance intermediary register.
Scale indicators3 records
Recent moves8 records
Expansion highlights5 records
Netfinancie competitors and assessment
Company assessmentDirect peers
- Porovnej.cz: Czech price-comparison platform covering insurance, energy, and banking — comparable aggregator model, though broader scope; competes for the same Czech-Slovak online comparison audience.
- FinancnyKomparator.sk: Slovak financial product comparison platform that aggregates insurance and banking products online. Direct peer in aggregator business model and Slovak target customer base.
- Klik.cz: Czech online financial-services comparison portal sharing the parent company with Netfinancie. Operates the same aggregator/marketplace model for insurance and adjacent financial products in the Czech Republic.
- ePojisteni.cz: Czech online insurance comparison platform operating under the same parent (Klik.cz & ePojisteni.cz s.r.o.) that operates Netfinancie.sk in Slovakia. Closest direct peer — same technology, business model, and revenue mechanics, just in the Czech market.
- Poisťovne.sk: Slovak insurance information and comparison portal listing products from multiple Slovak insurers. Comparable as a consumer-facing insurance aggregator in the same Slovak market as Netfinancie.
- TopPoistenie.sk: Slovak online insurance comparison platform offering multi-carrier quotes for motor, travel, and property insurance — directly competing with Netfinancie.sk for the same Slovak consumer segment and same product categories.
Broad incumbents
- Union poisťovňa: Slovak insurance carrier and current Netfinancie partner that also distributes through its own digital channels. Comparable as a broader incumbent with overlapping P&C distribution but with underwriting capability and direct customer ownership.
- Allianz - Slovenská poisťovňa: Largest Slovak insurance carrier and a Netfinancie partner. Comparable as a major incumbent distributing PZP, motor, and travel insurance both through the Netfinancie platform and through its own direct channels — represents both supply and competitive threat to aggregators.
- Wüstenrot poisťovňa: Slovak insurance carrier (part of Wüstenrot Group) and Netfinancie partner. Comparable as a broader incumbent that uses aggregators as a distribution channel while also selling direct, with full underwriting capabilities Netfinancie lacks.
Emerging players
- Selectra: Pan-European utility and insurance price-comparison platform expanding into Central Europe. Comparable as a digital aggregator, but with a broader energy/telecom focus and an emerging rather than incumbent position in Slovakia.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Netfinancie social profiles
Digital presenceNetfinancie compliance and trust
Trust signalCompliance2 records
Netfinancie financial estimates
Financial estimateRevenue estimate
Valuation estimate
Netfinancie leadership team
Management profileNumber of profiles
Netfinancie funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Netfinancie M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Netfinancie
What does Netfinancie do?
Netfinancie.sk operates an online insurance comparison and brokerage platform for Slovak consumers, allowing users to compare insurance products from multiple providers in one place. The platform specializes in motor insurance (PZP, comprehensive, GAP, glass, travel) and offers home, travel, employee liability, and vessel insurance products. Insurance contracts are intermediated with partner insurance companies.
Is Netfinancie a public or private company?
Netfinancie is a private company. It is classified as corporate owned and is currently operating.
When was Netfinancie founded?
Netfinancie was founded in 2006. It employs 11 to 50 people.
Where is Netfinancie based?
Netfinancie is headquartered in Bratislava.
How does Netfinancie make money?
One revenue line is on record: insurance Commission (Sprostredkovateľské provízie).
Who are Netfinancie's main competitors?
Direct peers on record are Porovnej.cz, FinancnyKomparator.sk, Klik.cz, ePojisteni.cz, Poisťovne.sk and TopPoistenie.sk. Broad incumbents are Union poisťovňa, Allianz - Slovenská poisťovňa and Wüstenrot poisťovňa. Selectra is listed as an emerging player.
Does Netfinancie have an API?
No public API is recorded for Netfinancie.
What industry is Netfinancie in?
Netfinancie's product category is Insurance Comparison and Brokerage. Its primary akta.pro industry code is FSAGAGAA, Digital Distribution & Comparison Platforms (Aggregators/Marketplaces). Its NAICS code is 524210 and its SIC code is 6411.