RISK Direct

What RISK Direct does

RISK Direct B.V. is an independent Dutch financial advisory and insurance brokerage firm headquartered in Utrecht, Netherlands, founded in 2000 and operating under RISK Groep B.V. as a privately held private limited company (KvK 69653852, AFM license 12012535). The firm serves individual consumers (Particulieren) as its primary customer base, alongside self-employed professionals (ZZP), small and medium businesses (MKB), and large enterprises (Groot Zakelijk), offering advisory and brokerage services across a broad portfolio of insurance and financial products. These include property and casualty insurance (auto, motorcycle/moped, caravan, home contents, buildings, liability, accident, legal expenses, travel), life insurance, health insurance, income protection, entrepreneur and business insurance, employee benefits, and mortgage advisory delivered through a partnership with Hypotheek.nl.

The firm operates a hybrid go-to-market combining traditional advisor-led sales (phone, email, in-person appointments) with a self-service digital platform supporting execution-only purchases and an online Digitale Polismap policy management portal. Its technology stack centers on a comparison engine that analyzes offerings from more than 100 insurance companies, supported by volmacht (authority) arrangements held through its sister entity RISK Assuradeuren B.V., which functions as a financial wholesaler authorized to bind coverage and handle claims directly on behalf of multiple insurers. The proprietary polismap portal aggregates customer policy information for ongoing administration.

Revenue is generated entirely on a commission basis from insurance carriers and product providers, with commissions disclosed to customers on quotes and policies under the label "Adviseursvergoeding." The firm reports an average net profit margin of approximately 7% over the last 10 years. No external funding, acquisitions, or public listing have been disclosed; the company is privately held with no bank or insurer ownership, operating exclusively within the Dutch market with a team of approximately 10 employees.

Name

RISK Direct

Legal name

RISK Direct B.V.

Website

https://risk-direct.nl

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

1–10 employees

Short description

RISK Direct B.V. is an independent Dutch insurance and financial advisory brokerage (Utrecht, founded 2000, ~10 employees) that compares offerings from 100+ insurers across P&C, life, health, income, and mortgage products for consumers, self-employed professionals, SMEs, and enterprises on a commission basis.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411), Loan Brokers (6163)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

akta.pro secondary industry

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

Keywords

• Insurance brokerage services
• Financial advisory services
• Insurance comparison platform
• Mortgage advisory services
• Business insurance solutions

Headquarters

HQ city

Nieuwegein

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission (Provisie): RISK Direct receives commission from insurance companies when customers purchase insurance through their platform. This commission can be one-time or ongoing as long as the insurance policy remains active.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

RISK Direct is an independent Dutch financial advisor and insurance intermediary that compares and brokers insurance and mortgage products from more than 100 insurers for individual consumers and businesses. The firm offers both advice-based services with personal advisors and execution-only self-service online purchases, and supports ongoing policy administration and claims handling through its Polisportaal digital polismap and its sister company RISK Assuradeuren, which holds underwriting authority from multiple carriers.

Product overview

RISK Direct is a Dutch financial advisory firm from Utrecht offering a comprehensive portfolio of insurance and financial products. For individual consumers (Particulier), they provide property and casualty insurance including auto, motorcycle/moped, caravan, travel, home contents, buildings, liability, accident, and legal expenses insurance. For businesses (Zakelijk), they offer entrepreneur insurance (directors & officers, professional liability, disability, pension), company insurance (fire, theft, liability), and employee benefits (health, accident, WIA, pension). Their services include mortgage advisory through a partnership with Hypotheek.nl, as well as life insurance, health insurance, and income insurance products. As an independent broker, they compare offerings from over 100 insurers and have authority (volmacht) from multiple insurance companies to directly bind coverage and handle claims. Their digital policy map (Polisportaal) provides customers with an online overview of all their policies.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Average net profit margin of 7% over 10 years

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• RISK Assuradeuren B.V.coreStrategic or Co-development PartnerRISK Assuradeuren is a sister company under RISK Groep B.V., operating as a financial wholesaler. They hold volmachten (authorizations) from multiple insurance companies, allowing them to accept insurance, handle claims, and process policies directly on behalf of insurers. RISK Direct works closely with them to provide comprehensive insurance services to customers.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Others

• Besparen.nl: Dutch comparison platform for energy and utility costs, partnered with RISK Direct for cross-referral. Thematically adjacent—consumer financial product comparison—and indicative of partnership ecosystems RISK Direct operates within.

Emerging players

• Ditzo: Digital-first Dutch insurer (part of ASR Nederland) offering direct-to-consumer personal lines. Represents the disintermediation channel that risks pressuring traditional broker commissions and customer acquisition approaches.
• Overlijdensrisicoverzekering.nl: Dutch comparison platform specializing in life insurance and related personal lines. Comparable as a niche, digitally-native broker competing in subsets of RISK Direct's product portfolio with focused acquisition funnels.

Broad incumbents

• Univé: Dutch cooperative insurer providing personal and small-business insurance across the same product categories as RISK Direct. Operates with member-owned distribution model that competes for similar Dutch household and SMB customers.
• Centraal Beheer (Achmea): Major Dutch insurance brand within the Achmea group offering personal and commercial lines directly and through intermediaries. A broad incumbent that competes for the same Dutch retail insurance customer with deeper product breadth and larger marketing spend.
• ANWB Verzekeringen: Insurance arm of the ANWB Dutch mobility association, offering personal lines including auto, travel, and legal aid. Direct overlap with several of RISK Direct's consumer product categories plus an established member-based distribution advantage.

Direct peers

• Independer: Leading Dutch online insurance comparison and brokerage platform. Direct competitor to RISK Direct across personal lines, with larger scale and stronger consumer brand recognition in the same mid-market advisory segment.
• Diks Verzekeringen: Independent Dutch insurance intermediary offering advisory and execution-only services across personal and small-business lines. Closely comparable in business model—independent broker serving Dutch consumers and SMBs.
• Pricewise: Dutch price comparison platform covering insurance, energy, and financial products. Competes directly with RISK Direct for consumer attention in comparison-driven insurance purchasing and adjacent utility services.
• Polis.nl: Dutch online insurance comparison and brokerage platform. Comparable in offering execution-only and advised purchasing across multiple personal and business lines via a digital-first interface.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/riskdirect
• Facebookfacebook.com/riskdirect
• LinkedInlinkedin.com/company/risk-direct

Revenue estimate

Valuation estimate

Number of profiles

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 RISK Direct