Finanz- und Versorgungsberatung

What Finanz- und Versorgungsberatung does

FVB GmbH (Gesellschaft für Finanz- und Versorgungsberatung mbH) is an independent German insurance broker and financial advisor founded in 1997 and headquartered in Osnabrück. The company serves two primary customer segments — Privatkunden (private households and families) and Firmenkunden (business clients of varying size) — plus a dedicated hospitality-industry vertical through its hoga-Unternehmerversorgung exclusive partnership. Its core proposition is independent brokerage: FVB is not tied to a single carrier and instead places business across a network of more than 230 partner banks and insurance companies, with proprietary broker software and consulting/comparison tools used by advisors to construct individualized coverage concepts at the best price-performance ratio.

The company distributes its services through a nationwide network of more than 400 regional sales partners (field agents) supported by an Osnabrück back office, a service hotline, and a growing online contract-completion portal covering specialty lines such as travel, pet, bicycle, e-scooter/moped licence plates, photovoltaic, balcony solar, cybercrime, wedding, musical instrument, boat, natural hazard, and cancer-protection insurance. The free FVB Finanzcheck advisory service positions FVB as a top-of-funnel lead generator, advertising average annual savings of €390 for typical households and €520 for families with children.

FVB's revenue model is commission-driven, generated on policies placed with its carrier partners, supplemented by professional financial advisory services. In October 2024, FVB was acquired by Dutch financial services company Yellow Hive from HDI; it continues to operate as an independent entity with largely unchanged structure. Founder Thomas Schallenberg stepped down at year-end 2024 and was succeeded by Andreas Kötterheinrich effective January 1, 2025, while Martin Meyer serves as co-Managing Director. The company holds the 'Fairster Versicherungsmakler in Deutschland 2025' and 'Höchstes Kundenvertrauen 2025' recognitions and is IHK-certified as an approved vocational training company.

Name

Finanz- und Versorgungsberatung

Legal name

Gesellschaft für Finanz- und Versorgungsberatung mbH

Website

https://fvb.de

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

251–500 employees

Short description

FVB GmbH is an independent German insurance and financial broker, founded 1997 in Osnabrück, serving private households, businesses, and the hospitality vertical through 400+ regional advisors, 230+ carrier partnerships, online contract completion, and a free financial-check service.

Ownership category

akta.pro rank

Headquarters

HQ city

Osnabrück

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance and Financial Product Commissions: FVB generates revenue through commissions from selling insurance policies and financial products from its network of 230+ partner banks and insurance companies. As an independent broker (Versicherungsmakler), FVB receives commissions for policies placed with its carrier partners.
2. Financial Advisory Services: FVB provides personalized financial consulting services to private and business customers, offering comprehensive market analysis and comparisons to find optimal insurance and investment solutions.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

FVB GmbH is an independent insurance broker and financial advisor that represents customer interests across a network of 230+ partner banks and insurance companies. The company offers personalized insurance brokerage, pension planning, wealth management, and online contract completion services for both private households and business clients through a nationwide network of over 400 regional sales partners. The firm also runs a free financial check service (FVB Finanzcheck) that analyzes customers' existing coverage to identify savings opportunities and coverage gaps.

Product overview

FVB (Gesellschaft fuer Finanz- und Versorgungsberatung mbH) is an independent insurance and financial advisory broker founded in 1997, headquartered in Osnabrueck, Germany. The company offers a portfolio of advisory services and insurance products through two main customer segments: Private Customers (Privatkunden) and Business Customers (Firmenkunden). The core offering includes the FVB Finanzcheck (free financial analysis service), Online-Vertragsabschluss (digital contract completion platform), and comprehensive insurance products spanning travel, pet, bicycle, vehicle, specialty (photovoltaic, musical instruments, cyber), and property coverage. The company operates with over 230 partner banks and insurers and over 400 regional sales partners, providing market comparisons and individualized solutions. Services are delivered through an online platform, service hotline, and direct advisor consultations, with the recent 2024 acquisition by Dutch company Yellow Hive expanding growth strategy.

Differentiator

Problem solved

Functional benefit

Brands

• FVB Finanzcheck: A free financial check service offering customized financial solutions and insurance reviews.
• hoga-Unternehmerversorgung

Products and services

• Privatkunden (Private Customer Services) Comprehensive insurance and provision solutions for individuals and families including building finance, health, hobbies, vehicle insurance, legal protection, travel, liability, pet insurance, wealth management, and retirement planning.
• Firmenkunden (Business Customer Services) Business insurance solutions including liability, vehicle insurance, credit insurance, personal insurance, legal protection, and property coverage for companies of all sizes.
• hoga-Kunden (Hotel and Hospitality Services) Exclusive partnership with hoga providing special insurance concepts for the entire hotel and hospitality industry.
• FVB Finanzcheck (Financial Check) Free financial and insurance analysis service that reviews customers' existing coverage and identifies savings opportunities and gaps, with average annual savings of €390 for households and €520 for families with children.
• Online-Vertragsabschluss (Online Contract Completion) Digital platform enabling customers to complete insurance contracts online for various products including travel, pet, bicycle, vehicle, and specialty insurances.
• Schutzbrief (Protection Certificate) Comprehensive assistance service providing 24/7 support for emergencies at home or while traveling, including roadside assistance, home emergencies, and plumbing issues.
• Balkonkraftwerkversicherung (Balcony Power Plant Insurance) Electronics insurance for balcony solar systems up to €1,500 purchase price with annual premium of €39, covering solar modules, inverters, wallboxes, and damage from fire, weather, theft, and technical faults.
• Photovoltaikversicherung (Photovoltaic Insurance) Insurance coverage for photovoltaic installations on own or foreign roofs and ground-mounted systems, protecting against damage and including optional yield reduction coverage.
• Auslandsreisekrankenversicherung (Foreign Travel Health Insurance) Annual travel health insurance covering unlimited trips up to 56 days for vacation and 10 days for business, with medical repatriation and no deductibles, starting at €25 annually.
• Reiseruecktrittsversicherung (Travel Cancellation Insurance) Annual travel cancellation insurance valid for unlimited trips worldwide, covering trip abandonment due to illness, accident, job loss, with no deductibles.
• Fahrradversicherung (Ammerlaender) (Bicycle Insurance) Full-coverage bicycle insurance for e-bikes up to 25km/h and regular bicycles covering theft, accident, vandalism, and wear, with ROLAND protection certificate included in Exclusive and Excellent tiers.
• Fahrradversicherung (Waldenburger) (Bicycle Insurance) Bicycle insurance with 24/7 worldwide theft coverage including nighttime theft between 22:00-06:00, customizable coverage sum from €1 to €12,500, also covering pedelecs that do not exceed 25km/h.
• Tierversicherung (Adcuri/Barmenia) (Pet Insurance) Pet insurance covering veterinary costs and surgery for dogs, cats, and horses through Adcuri and Barmenia providers, including health insurance, accident surgery coverage, and horse surgery coverage.
• Cyberkriminalitaet (Cybercrime Insurance) Personal cyber insurance protecting against data theft, online fraud, and cyberbullying, developed by INTER Versicherungsgruppe.
• Ladymed+ (Cancer Diagnosis Protection) Cancer diagnosis insurance paying €25,000 upon first diagnosis of female-specific cancers confirmed by specialist histology report, with premiums ranging from €8.90 to €25.90 depending on age group.
• Gegenstands-, Handy- und Tabletversicherung (Object, Phone, and Tablet Insurance) Coverage for over 120 items including electronics (smartphones, laptops, gaming consoles, lawn mowers), furniture, and garden equipment, insuring both new and refurbished items, through neodigital tariff calculator.
• E-Scooter-Kennzeichen (E-Scooter License Plate) Quick online service for obtaining E-Scooter insurance license plates with direct delivery to customer.
• Moped-Kennzeichen (Moped License Plate) Online service for obtaining moped insurance license plates with competitive pricing.

Quantifiable outcome

• Average annual savings of €390 per German household through optimized insurance coverage
• +2 more outcomes

Named customers3 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

Feature2 records

Partnerships

Two partnerships are on record, tiered core.

• hoga-UnternehmerversorgungcoreStrategic or Co-development PartnerExclusive partnership providing special insurance concepts for the entire hotel and catering industry (Hotel- und Gastgewerbe). FVB serves as the exclusive insurance partner for hoga members, offering tailored coverage for hospitality businesses.
• 230+ Banks and Insurance CompaniescoreChannel Partner/ Reseller/ DistributorFVB cooperates with over 230 banks and insurance companies. Many partnerships span over 15 years. FVB accepts only the best-performing companies into its offering pool, with evaluation criteria exceeding international rating standards.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Deutsche Versicherungsmakler AG: Deutsche Versicherungsmakler AG operates a large German field-representative network distributing insurance and financial products as an independent broker. Its structure and target customer base overlap significantly with FVB's regional-partner model.
• MLP SE: MLP is a Germany-based independent financial advisor and insurance broker serving private and corporate clients with a large field-consultant network. Like FVB, MLP acts as an independent intermediary across multiple carriers and offers cross-selling of insurance, banking, and wealth products, making it the most direct comparable.
• Funk Gruppe: Funk is one of Germany's largest independent insurance brokers, focused on corporate and mid-market clients with a strong advisory and risk-management proposition. Comparable to FVB's Firmenkunden segment and its emphasis on independent intermediation across many carriers.
• Ecclesia Gruppe: Ecclesia is a major German insurance broker specialized in corporate and institutional risk transfer, with deep carrier relationships and consulting-led distribution. It competes with FVB for business clients and shares the independent-broker positioning.
• A.S.I. Wirtschaftsberatung: A.S.I. is a German independent insurance and financial advisory broker with a multi-tier field-sales structure serving private and commercial clients. Its model of independent advisors distributing products from multiple carriers and providing needs-based consulting closely mirrors FVB's Vertriebspartner model.

Emerging players

• Verivox: Verivox is a major German comparison portal for insurance, energy, and telecom products. It competes with FVB in price-driven online distribution, particularly for standard P&C and health products where advice value is lower.
• Check24 Vergleichsportal: Check24 is Germany's leading online price-comparison platform for insurance, banking, and travel products. It directly competes with FVB's online contract-completion funnel for commodity lines (travel, pet, vehicle) and exerts commission/pricing pressure on FVB's carrier partners.

Broad incumbents

• HDI Group: HDI is a major German insurer and FVB's former owner (sold to Yellow Hive in October 2024). It underwrites many of the products FVB distributes and remains a carrier relationship, making it both a partner and an adjacent incumbent in the same distribution value chain.
• Wüstenrot & Württembergische (W&W): W&W is a German insurance and home-financing group with broad product coverage including building finance, which FVB also distributes. It is an adjacent incumbent that competes in private insurance and Baufinanzierung channels that overlap with FVB's Privatkunden offering.

Regional players

• OVAG Ostdeutsche Versicherung AG: OVAG is a regional German insurer/broker group serving eastern Germany through tied and independent distribution. While more regional and partly carrier-aligned, it competes for the same SMB and private insurance customers FVB targets, especially in property and casualty.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks4 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/fvbgmbh
• LinkedInde.linkedin.com/company/fvbgmbh
• Instagraminstagram.com/fvbgmbh

Compliance1 record

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 Finanz- und Versorgungsberatung