Financna Hisa

What Financna Hisa does

Finančna Hiša d.o.o. is a Slovenia-headquartered independent financial advisory firm, founded in 1998 (per company_history records; firmographics also references 2004), operating from a Maribor headquarters and a Ljubljana branch. The firm provides multi-product financial planning to individuals, families, and small-business owners across Slovenia, anchored on three revenue streams: (1) fee-based financial advisory and planning services covering pensions, investments, insurance, and credit protection; (2) insurance product distribution commissions earned on placements with multiple carriers (Wiener Städtische, Uniqa, Prva osebna zavarovalnica, Triglav zavarovalnica, Zavarovalnica Maribor); and (3) mutual fund distribution commissions earned principally through partnerships with Triglav Skladi (formerly ALTA) and Sava Infond.

The product surface is centered on the eIZRAČUNI suite of online financial calculators — covering pension gap analysis, investment savings, children's savings, work-capacity protection, credit protection, comprehensive insurance planning, specialist health insurance, and critical-illness coverage — complemented by personalized financial roadmaps (eNAčRT), an educational eBook ('Postani kreator svojih financ'), and a remote video-conference advisory service. Distribution is relationship-driven: free in-branch consultations at two locations, free at-home advisory visits across Slovenia, remote video calls, and Facebook Messenger — supported by email newsletter, content marketing, and a blog.

The business model is a classic multi-carrier independent brokerage with embedded content marketing and digital self-service tools. Underlying technology is standard SaaS: WordPress-class CMS, Google Analytics, Google AdWords conversion tracking, Facebook pixel, and YouTube embeds; no proprietary platform, no AI/ML components, and no mobile app are disclosed. Customer base totals 25,300+ lifetime individual and SMB clients; revenue and headcount are not publicly disclosed beyond an 11–50 employee band. The firm has held Gold AAA bonitetna odličnost for nine consecutive years (2016–2024) and Platinum Credit Excellence for six consecutive years (2019–2024), placing it in the top 1% of Slovenian companies by creditworthiness.

Name

Financna Hisa

Legal name

Finančna hiša d.o.o.

Website

https://financnahisa.si

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

11–50 employees

Short description

Finančna Hiša is a Slovenia-based independent financial advisory firm offering insurance placement, mutual fund distribution, and personal financial planning to over 25,300 individual and SMB clients via branches in Maribor and Ljubljana and home-visit advisory services.

Ownership category

akta.pro rank

Product category

Financial Advisory and Insurance Distribution

NAICS

Portfolio Management and Investment Advice (523940), Open-End Investment Funds (525910)

SIC

Finance Services (6199)

akta.pro primary industry

Registered Investment Advisor (RIA) Wealth Management (FSAEABAA)

akta.pro secondary industries

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI), Digital/Hybrid Robo-Wealth & Retirement Advisory (FSAEABAK)

Keywords

• Financial advisory services
• Insurance distribution
• Mutual fund distribution
• Pension planning
• Credit protection insurance

Headquarters

HQ city

Ljubljana

HQ country

Slovenia

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Financial Advisory and Planning Services: Revenue derived from providing financial planning, insurance planning, and investment advisory services to individual and business clients. Services include financial health assessments, pension planning, investment planning, credit protection planning, and insurance planning. Advisory fees appear to be the primary revenue driver.
2. Insurance Product Distribution (Commissions): Earns commissions on insurance products placed for clients (life insurance, credit protection insurance, critical illness insurance, accident insurance, health/specialist insurance). Multiple insurance providers referenced (Wiener Städtische, Uniqa, Prva osebna zavarovalnica, Triglav, Zavarovalnica Maribor, and others).
3. Mutual Fund Distribution (Commissions): Facilitates investment in mutual funds (vzajemni skladi) including Triglav Skladi (formerly ALTA), Sava Infond, and others. Earns distribution/advisory commissions on fund investments. References 3rd place in ALTA fund investor payments (2017) and 1st place in net investor inflows (2018) in Slovenia.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels6 records

Core offering

Finančna Hiša is an independent financial advisory firm that distributes insurance products and mutual funds from multiple providers and provides personalized financial planning across insurance, retirement, investment, and credit protection needs. Its core offering is professional advisory supported by the eIZRAČUNI suite of online financial calculators, available through in-office, at-home, and remote video consultations across Slovenia. Revenue is generated mainly through commissions on placed insurance policies and mutual fund investments, supplemented by advisory services.

Product overview

Financna Hisa operates as a financial advisory firm offering professional financial consulting, insurance, and investment services. The core offering is the eIZRAČUNI (e-Calculators) suite of online financial planning tools, supplemented by advisory services. The product portfolio includes pension savings planning (Pokojninsko varčevanje), investment savings (Naložbeno varčevanje), children's savings (Varčevanje za otroka), income protection (Zaščita delovne sposobnosti), loan protection insurance (Kreditna zaščita), comprehensive insurance planning (Zavarovalni načrt), specialist health insurance (Specialisti), and critical illness coverage (Zaščita zdravja). Additional services include personalized financial roadmaps (eNAČRT), educational content (eKNJIGA), and remote video consultations (eSvetovanje na daljavo). The company provides services through two physical branches in Maribor and Ljubljana, Slovenia.

Differentiator

Problem solved

Functional benefit

Products and services

• Independent Financial Advisory Service Personalized financial advisory service covering insurance, retirement, investment, and credit protection planning, delivered by certified financial advisors through in-office, at-home, and remote video consultations across Slovenia. Targets individuals, families, and small business owners seeking independent, multi-provider comparison.
• Pension Savings Planning (Pokojninsko varčevanje) Supplementary pension planning service that helps clients calculate their pension gap and determine required savings contributions to achieve desired retirement income, including annuity (rentno) savings options.
• Investment Savings (Naložbeno varčevanje) Investment savings planning service that provides calculations for lump-sum investments in mutual funds, enabling clients to compare returns against bank deposits and access funds from multiple providers.
• Children's Savings Planning (Varčevanje za otroka) Savings planning service designed to help parents accumulate funds for children's future needs such as housing deposits, tuition, or first car, structured not to affect social transfers.
• Work Capacity / Income Protection Insurance (Zaščita delovne sposobnosti) Income protection insurance calculation tool that assesses coverage needs for illness or injury scenarios to ensure loan repayment continuity and income replacement during disability.
• Credit Protection Insurance (Kreditna zaščita) Credit protection insurance calculator and distribution service that determines appropriate coverage for loan repayment in cases of death, critical illness, or disability of the borrower, placed with multiple insurance providers.
• Comprehensive Insurance Plan (Zavarovalni načrt) Comprehensive insurance planning service that analyzes existing coverage and calculates optimal insurance sums for death, disability, critical illness, and income replacement across 14 client-specific dimensions.
• Specialist Health Insurance (Specialisti) Specialist healthcare insurance that provides fast access to medical specialists and covers costs of examinations, diagnostics, and surgical procedures, bypassing public healthcare queues.
• Critical Illness Insurance (Zaščita zdravja) Critical illness insurance providing coverage for serious diseases including cancer, heart attack, and stroke, with payouts that can be used for treatment costs and loan repayment.
• Personalized Financial Roadmap (eNAČRT) Financial planning service that creates personalized financial roadmaps including investment plans, pension plans, and children's independence plans for individual clients.
• Educational e-Book: Postani kreator svojih financ Educational e-book providing financial literacy guidance on increasing income, smart investing, and breaking the paycheck-to-paycheck cycle, used as a lead generation and thought leadership tool.
• Remote Video Consultation Service (eSvetovanje na daljavo) Video conference-based financial advisory service enabling clients to receive expert consultation from home, complementing in-person branch and at-home consultations.

Quantifiable outcome

• Over 25,300 satisfied clients served over 23 years of operation
• +5 more outcomes

Named customers9 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• ALTA Invest / Triglav SkladicoreChannel Partner/ Reseller/ Distributor · 1 January 2018Finančna Hiša serves as a distribution channel for ALTA mutual funds (now rebranded as Triglav Skladi). The company achieved 1st place in Slovenia for net investor inflows in 2018 and 3rd place for investor payments in 2017, making this a flagship distribution partnership. The company recommends Triglav Skladi and Sava Infond mutual fund sub-funds to clients seeking to outperform bank deposits.
• Sava InfondcoreChannel Partner/ Reseller/ DistributorSava Infond is one of the mutual fund families recommended alongside Triglav Skladi for investment savings. Finančna Hiša references Sava Infond sub-funds in articles discussing how mutual funds can outperform bank deposits, providing clients access to equity and bond fund options.
• Wiener Städtische VersicherungminorChannel Partner/ Reseller/ DistributorReferenced as one of multiple insurance providers for credit protection/risk life insurance products. Premiums compared for a 30-year-old borrower: 5.32 EUR/month for 70,000 EUR coverage over 10 years. Finančna Hiša advises clients to compare offers across providers rather than accepting bank-recommended insurance.
• Uniqa zavarovalnicaminorChannel Partner/ Reseller/ DistributorOne of several insurance providers used for credit protection and risk life insurance. Premium example: 5.47 EUR/month for 70,000 EUR coverage over 10 years (30-year-old borrower). Finančna Hiša maintains relationships with multiple providers to offer objective comparisons.
• Prva osebna zavarovalnicaminorChannel Partner/ Reseller/ DistributorReferenced as an insurance provider option for credit protection/risk life insurance products. Premium example: 5.92 EUR/month for 70,000 EUR coverage over 10 years.
• Triglav zavarovalnicaminorChannel Partner/ Reseller/ DistributorReferenced as an insurance provider option for credit protection/risk life insurance products. Premium example: 6.44 EUR/month for 70,000 EUR coverage over 10 years (30-year-old borrower).
• Zavarovalnica MariborminorChannel Partner/ Reseller/ DistributorReferenced as an insurance provider option for credit protection/risk life insurance products. Premium example: 9.20 EUR/month for 70,000 EUR coverage over 10 years (30-year-old borrower).
• Gospodarska zbornica Slovenije (Chamber of Commerce and Industry of Slovenia)minorOthersThe Chamber of Commerce and Industry of Slovenia issued a certificate to Finančna Hiša d.o.o. confirming it meets conditions for certification based on its credit rating and regular monitoring by COFACE Slovenija.

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Triglav Group: Largest Slovenian insurance and asset management group. While Triglav Skladi is a mutual fund partner of Finančna Hiša, Triglav as a whole is a broad incumbent that distributes insurance and investment products directly to consumers—competing for the same wallet through its own captive channels.
• KD Group (KD Skladi, KD Funds): Slovenian asset management and financial services group managing investment funds and providing advisory-adjacent services. Comparable as a domestic fund manager/distributor competing for Slovenian retail savings.
• Generali zavarovalnica (Slovenia): Subsidiary of Generali Group offering life and non-life insurance plus investment-linked products in Slovenia. Comparable as a captive insurance distributor that competes with independent advisors for Slovenia's insurance and wealth clients.
• Nova KBM (NKBM): Major Slovenian commercial bank headquartered in Maribor providing retail banking, lending, and investment advisory services. Comparable as a bank-led advisory alternative that competes for the same mortgage/credit-protection and investment clients.
• Vienna Insurance Group / Wiener Städtische: Regional CEE insurance group (Vienna Insurance Group) that is simultaneously an insurance product partner of Finančna Hiša and a broad incumbent distributing life insurance directly in Slovenia. Comparable as both an upstream supplier and a captive-channel competitor.

Direct peers

• Ilirika d.d. Slovenian broker-dealer offering brokerage, investment advisory, and asset management services to individuals and businesses. Directly comparable as a Slovenia-based, individual-focused investment advisory and distribution firm competing for the same retail wealth clients.

Others

• Sava Infond: Slovenian mutual fund manager whose funds Finančna Hiša distributes. Comparable as an upstream product partner rather than direct competitor, but relevant as a domestic fund brand whose reputation directly affects Finančna Hiša's distribution economics.

Regional players

• BKS Bank: Austrian-Slovenian regional bank with Slovenian operations providing retail banking, advisory, and wealth services. Comparable as a smaller, relationship-driven regional bank offering an alternative to independent advisors in Slovenia.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/financna.hisa
• Xx.com/FinancnaHisa

Compliance5 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 Financna Hisa