con.fee
con.fee AG is a Bonn-based, privately held financial advisory service network that provides independent insurance brokers, financial advisors, and investment advisors with proprietary software tools, a net depot platform, 300+ fee-based tariff calculators, training, and curated net products to support commission-free advisory practices in Germany.
- Company typePrivate
- Founded2006
- HeadquartersBonn, Germany
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What con.fee does
con.fee AG is a Bonn, Germany-based stock corporation (AG) operating a service network for independent insurance brokers (Versicherungsmakler), financial advisors (Finanzberater), and investment advisors (Investmentberater) practicing or transitioning to fee-based, commission-free (honorarbasierte) advisory. Founded in 2006 and acquired by Honorarfinanz AG in March 2024, the company combines proprietary web-based software tools (including the con.fee Netto-Depotplattform with automatic rebalancing across 9 fund banks, the DIN-Finanzanalyse tool, con.fee Check cost/return calculator, and the con.fee Value surrender-value estimator) with access to 300+ fee-based tariff calculators spanning life, supplemental health (SHU), and legal protection insurance, plus curated net products such as the con.fee Weltmarkt-Police and proprietary model portfolios including sustainable variants. The firm holds §34c, §34d, and §34f GewO regulatory licenses and is hosted under a parent that is one of only 18 German institutions licensed under WpIG.
The business model is asset-light and recurring: partners join the con.fee network on monthly subscriptions starting at €135 + VAT (no minimum contract duration), gaining access to software, tariff calculators, depot platform, training and billing support, and exclusive net products. Revenue is supplemented by professional services via the con.fee Akademie (accredited workshops, including continuing education under VersVermV), individual coaching, and add-on modules (DIN analysis, risk profiling, SHU net tariff comparison, 42 supplementary financial tools, executive ETF pension solutions). Distribution is direct and partner-led, leveraging the website, free online workshops/webinars, newsletter marketing, and referral among German financial professionals. Recent product activity (the November 2025 launch of indexbasierte con.fee-Vermögensverwaltung and 2026 executive pension workshops) signals an extension from advisory tooling toward scalable automated and executive-segment solutions, all within a single-country German market footprint.
con.fee firmographics
Firmographics- Name
- con.fee
- Legal name
- con.fee AG
- Website
- https://confee.de
- Company type
- Private
- Founded year
- 2006
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- con.fee AG is a Bonn-based, privately held financial advisory service network that provides independent insurance brokers, financial advisors, and investment advisors with proprietary software tools, a net depot platform, 300+ fee-based tariff calculators, training, and curated net products to support commission-free advisory practices in Germany.
- Ownership category
- akta.pro rank
con.fee industry classification
Industry- Product category
- Financial Advisory Software
- NAICS
- Portfolio Management and Investment Advice (523940), Insurance Agencies and Brokerages (524210)
- SIC
- Insurance Agents, Brokers & Service (6411), Services-Management Consulting Services (8742)
- akta.pro primary industry
- Fee-Based Advisory (FSAEAAAM)
- akta.pro secondary industry
- Fee-Only Advisory (FSAEAAAL)
Keywords
Where con.fee is headquartered
LocationHeadquarters
- HQ city
- Bonn
- HQ country
- Germany
- HQ region
- Europe
Offices1 record
Markets served
con.fee business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Partner Membership Fees: Monthly subscription fees charged to financial advisors and brokers for access to the con.fee partner network, including software tools, training materials, support services, and access to exclusive net products and tariff calculators. Minimum contract duration is not required.
- Professional Services and Coaching: Additional revenue from individual coaching, advanced workshops, and specialized seminars beyond the base partner package.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Insurance Package Partner Fee - Base membership starting at €135/month plus VAT |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels5 records
con.fee product offering
Product offeringCore offering
con.fee AG operates a subscription-based service network for independent insurance brokers, financial advisors, and investment advisors in Germany, providing proprietary web-based advisory software, cost and return calculators, the Netto-Depotplattform with auto-rebalancing, access to 300+ net tariffs, model portfolios, training, and coaching so that partners can run commission-free (honorary) advisory practices. The platform is licensed under §34c, §34d and §34f GewO and is sold through monthly partner memberships starting at €135 plus VAT, with no minimum contract duration.
Product overview
con.fee AG operates a comprehensive service network for independent financial advisors, combining proprietary software tools, a net depot platform, and educational services to enable fee-based (honorarbasierte) advisory practices. The core offering centers on the con.fee Netto-Depotplattform with access to 9 fund banks and automatic rebalancing, supplemented by analytical tools including con.fee Check (cost/risk comparison), DIN-Finanzanalyse, and the Rückabwicklungs-Schätzrechner con.fee Value. Partners receive access to over 300 fee-based tariffs and specialized products such as the con.fee Weltmarkt-Police and con.fee Modellportfolios (including sustainable variants). The Robo-Advisor enables automated portfolio management for §34d/f-licensed advisors. Educational offerings through the con.fee Akademie provide online workshops and coaching, while con.fee Mehrwert-beratung provides administrative support tools. The recent addition of index-basierte con.fee-Vermögensverwaltung introduces an automated, low-cost platform solution for wealth management.
Differentiator
Problem solved
Functional benefit
Brands
- con.fee Weltmarkt-Police: Cost-optimized and state-protected insurance product offered through the con.fee partner network.
- con.fee Nettodepot
- con.fee Akademie
- con.fee Mehrwert-beratung
- con.fee Firmenberatung
- con.fee Check
- con.fee Value
Products and services
- con.fee Netto-Depotplattform Web-based net depot platform with access to 9 fund banks and automatic rebalancing for portfolio management, sold to fee-based financial advisors via the con.fee partner network.
- con.fee Weltmarkt-Police Cost-optimized and state-protected insurance product offered through the con.fee partner network for fee-based advisors.
- con.fee Modellportfolios Model investment portfolios, including sustainable portfolio variants, available to con.fee partners for fee-based advisory mandates.
- Geschäftsführerversorgung (ETF-Lösung) ETF-based executive retirement planning solution for managing directors and shareholder-managers of German capital companies, offered via webinars and partner advisors.
- Indexbasierte con.fee-Vermögensverwaltung Index-based, automated wealth management platform offering automated rebalancing, broad diversification, transparent fees, real-time portfolio dashboards, and automatic reporting for clients and regulators; introduced in November 2025.
Quantifiable outcome
- Partners can offer net tariff products that eliminate commission-embedded costs, resulting in measurable performance advantages for clients compared to standard commission-based products
- +1 more outcomes
Companies that use con.fee
Customer profileSegments4 records
Ideal customer profiles2 records
con.fee technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature6 records
con.fee partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Honorarfinanz AGcoreHonorarfinanz AG, one of only 18 institutions licensed under WpIG for independent fee-based investment advisory in Germany, acquired con.fee AG in March 2024. Con.fee continues to operate under the Honorarfinanz umbrella with its existing management team (Thomas Meinhardt and Dr. Walter Hubel) maintaining the con.fee brand name.
Scale indicators5 records
Recent moves5 records
Expansion highlights5 records
con.fee competitors and assessment
Company assessmentEmerging players
- LIQID: Berlin-based digital wealth manager specializing in ETF-based discretionary portfolio management for affluent clients. Comparable in offering fee-based, index-oriented wealth management in the German market, increasingly accessed by the same advisor and client segments con.fee serves.
- Scalable Capital: Munich-based digital wealth management platform offering low-cost, index-based portfolio management directly to consumers via a robo-advisor and broker offering. Represents an emerging direct-to-consumer fee-based model that competes for the same end clients con.fee's broker partners serve.
Direct peers
- Jung, DMS & Cie. AG: German financial advisory pool serving independent brokers and financial advisors with products, technology, and operational infrastructure. Directly comparable to con.fee's partner-network business model for the German financial advisor market.
- Honorarfinanz AG: Karlsruhe-based independent fee-based investment advisory institute licensed under WpIG. It acquired con.fee AG in March 2024, making it both parent and the most directly comparable operating model — pure fee-only advisory network for German advisors.
- Quirin Privatbank AG: Berlin-based fee-only bank and wealth manager offering independent advisory without commission-based products. Comparable as a German fee-only financial services brand targeting clients and advisors who want transparent, commission-free advisory.
- Softfair GmbH: Hamburg-based software vendor providing comparison, analysis, and lead-generation tools specifically for insurance brokers and financial advisors. Highly comparable in providing the software/tooling layer (similar to con.fee Check, DIN-Finanzanalyse) for independent broker partners.
- Fonds Finanz Maklerservice GmbH: One of Germany's largest broker pools, providing financial advisors with product access, software tools, and back-office services. Comparable to con.fee as a B2B partner network for insurance brokers and financial advisors, though predominantly commission-based.
- Blau direkt GmbH & Co. KG: Tech-enabled insurance broker platform providing digital tools, product access, and operational services to independent brokers in Germany. Comparable in being a B2B technology platform serving insurance brokers with software and partner services.
- MLP SE: Established German financial advisory firm serving retail and corporate clients with financial planning, wealth management, and insurance products. Comparable in serving the fee-based and financial advisory segment with technology-enabled advisor support.
Broad incumbents
- Deutsche Vermögensberatung (DVAG): Germany's largest independent financial advisory organization with a primarily tied-agent, commission-based model. Broad incumbent in the same end-market as con.fee's partners, representing the dominant distribution model con.fee's broker partners are differentiating against.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
con.fee financial estimates
Financial estimateRevenue estimate
Valuation estimate
con.fee leadership team
Management profileNumber of profiles
Profiles5 records
con.fee funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
con.fee 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 con.fee
What does con.fee do?
con.fee AG operates a subscription-based service network for independent insurance brokers, financial advisors, and investment advisors in Germany, providing proprietary web-based advisory software, cost and return calculators, the Netto-Depotplattform with auto-rebalancing, access to 300+ net tariffs, model portfolios, training, and coaching so that partners can run commission-free (honorary) advisory practices. The platform is licensed under §34c, §34d and §34f GewO and is sold through monthly partner memberships starting at €135 plus VAT, with no minimum contract duration.
Is con.fee a public or private company?
con.fee is a private company. It is classified as corporate owned and is currently operating.
When was con.fee founded?
con.fee was founded in 2006. It employs 1 to 10 people.
Where is con.fee based?
con.fee is headquartered in Bonn, Germany, in the Europe region.
How does con.fee make money?
Two revenue lines are on record. Partner Membership Fees are the primary driver. The others are professional Services and Coaching.
Who are con.fee's main competitors?
Emerging players on record are LIQID and Scalable Capital. Direct peers are Jung, DMS & Cie. AG, Honorarfinanz AG, Quirin Privatbank AG, Softfair GmbH, Fonds Finanz Maklerservice GmbH, Blau direkt GmbH & Co. KG and MLP SE. Deutsche Vermögensberatung (DVAG) is listed as a broad incumbent.
Does con.fee have an API?
No public API is recorded for con.fee.
What industry is con.fee in?
con.fee's product category is Financial Advisory Software. Its primary akta.pro industry code is FSAEAAAM, Fee-Based Advisory, with a secondary code of FSAEAAAL, Fee-Only Advisory. Its NAICS code is 523940 and its SIC code is 6411.