Fineo

What Fineo does

GET:FINEO (operating as Fineo) is an independent financial advisory and insurance brokerage firm headquartered at Große Elbstraße 14 in Hamburg, Germany. Founded in 2001 by Volker Hinzmann and Marcus Thies, the firm serves individual consumers, self-employed professionals, doctors, and prospective landlords in the Hamburg metropolitan area and Northern Germany. It operates as a GmbH & Co. KG and holds three German regulatory licenses covering insurance brokerage (§34d GewO), financial investment brokerage (§34f GewO), and real estate loan brokerage (§34i GewO), positioning it as a vertically integrated multi-line intermediary rather than a captive agent of any single provider.

The company delivers six core service lines: Sachversicherung (property insurance), Einkommenssicherung (income protection), Altersvorsorge (retirement planning), Vermögensmanagement (wealth management with ETFs, funds, and AIFs), Immobilien als Kapitalanlage (real estate investment advisory with property management support), and Praxisfinanzierung (medical practice financing). It does not operate a proprietary technology platform; the firm uses third-party comparison and marketplace tools (Fonds Finanz Maklerpool, Procheck24, softfair, Europace, Verivox) for product sourcing and pricing, supplemented by a content blog, online damage-reporting tool, and recurring educational seminars (Infoabende). All advisory services are delivered face-to-face at the Hamburg office or via direct consultation — there is no self-serve or digital-only channel.

Revenue is generated through three streams: insurance brokerage commissions embedded in premiums, fees from investment advisory and mortgage intermediation (paid by client, third party, or hybrid), and transaction-based real estate brokerage and property management fees. A 13-employee team, the majority with over 15 years of industry experience, serves approximately 7,400 customers, with retention exceeding 20 years for some clients. The firm displays partnerships with at least 15 insurance carriers including Allianz, DEURAG, ALTE LEIPZIGER, HDI, HanseMerkur, and ARAG, supporting its positioning as a multi-carrier independent brokerage.

Name

Fineo

Legal name

GET:FINEO Finanzanalysen und Anlagekonzepte GmbH & Co. KG

Website

https://getfineo.de

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

11–50 employees

Short description

GET:FINEO is a Hamburg-based independent financial advisory and insurance brokerage firm serving individual consumers, self-employed professionals, doctors, and real estate investors across six service lines including insurance, wealth management, retirement planning, and practice financing in Northern Germany.

Ownership category

akta.pro rank

Product category

Financial Advisory & Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242), Portfolio Management and Investment Advice (523940)

SIC

Insurance Agents, Brokers & Service (6411), Real Estate Agents & Managers (For Others) (6531)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

akta.pro secondary industries

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI), Discretionary Portfolio Management (Retail) (FSAAAAAH), Business Owner & Executive Financial Planning (FSAEAAAO), Real Estate Transaction Advisory & Due Diligence (FSAEAJAJ)

Keywords

• Financial advisory services
• Insurance brokerage
• Wealth management
• Retirement planning
• Real estate investment

Headquarters

HQ city

Hamburg

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commission: GET:FINEO acts as an insurance broker (Versicherungsmakler) and receives commissions from insurance providers (Versicherer) for successful policy placements. Commissions are included in the insurance premium. For investment insurance products, additional allowances (Zuwendungen) are received. The company works with a large number of insurers whose commissions, provisions, and allowances differ in amount.
2. Financial Investment Advisory and Mortgage Intermediation: For investment advisory and mortgage intermediation (§34f and §34i GewO), compensation can come from the client directly (via separate fee agreements), from third parties (product providers/manufacturers), or in combination. Allowances received from third parties in connection with investment advisory may be retained.
3. Real Estate Services: Revenue from real estate brokerage, property management coordination, and related services including rental management for landlords, facilitated through their real estate and financing expertise.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

GET:FINEO is an independent financial advisory and insurance brokerage firm that places insurance products and arranges financial investments, mortgages, and real estate on behalf of individual and professional clients. The firm operates as a licensed Versicherungsmakler (§34d GewO), Finanzanlagenvermittler (§34f GewO), and Immobiliardarlehensvermittler (§34i GewO), combining personal advisory with a broad product selection across multiple insurers and product providers. Services span six integrated lines: property insurance, income protection, retirement planning, wealth management, real estate as capital investment, and physician practice financing.

Product overview

GET:FINEO is a Hamburg-based independent financial advisory and insurance brokerage firm founded in 2001. The company operates as a multi-module financial services platform offering six core service lines: Sachversicherung (property insurance), Einkommenssicherung (income protection and disability insurance), Altersvorsorge (retirement planning), Vermögensmanagement (wealth management with ETFs and investment funds), Immobilien als Kapitalanlage (real estate investment advisory), and Praxisfinanzierung (medical practice financing). The platform differentiates through holistic financial consulting that integrates multiple services. Supporting offerings include educational Infoabende (seminars), an online magazine with financial news, and an online damage reporting tool. The company works with multiple insurance providers and financial product partners to offer unbiased recommendations.

Differentiator

Problem solved

Functional benefit

Products and services

• Sachversicherung (Property Insurance) Insurance coverage advisory for personal belongings and property, including home, renters, and personal property insurance, protecting clients against damage, theft, and losses. Delivered by licensed insurance brokers (§34d GewO) for individual consumers and landlords in Hamburg and northern Germany.
• Einkommenssicherung (Income Protection) Comprehensive income protection advisory covering occupational disability insurance (BU), employment disability insurance (EU), health insurance, accident insurance, long-term care insurance, and term life insurance, safeguarding clients against loss of earning capacity. For individual employees and self-employed professionals.
• Altersvorsorge (Retirement Planning) Retirement planning advisory encompassing company pension schemes (bAV), Rürup pension, Riester pension, and private annuity insurance to ensure financial security during retirement. Licensed under §34f GewO to broker investment and insurance-based pension products for individuals and self-employed clients.
• Vermögensmanagement (Wealth Management) Investment and wealth management advisory offering ETFs, investment funds, and alternative investments (AIFs) for long-term wealth building and portfolio diversification. Licensed under §34f GewO for intermediating domestic open-ended and closed-ended investment assets and assets under the Vermögensanlagengesetz.
• Immobilien als Kapitalanlage (Real Estate Investment) Full-service real estate investment advisory for individuals seeking to acquire rental property as a capital investment, including property selection, financing arrangement, purchase support, property management coordination, and rental services for properties in the Hamburg metropolitan area. First-year property management is offered free to new landlord clients. Licensed under §34i GewO for real estate loan intermediation.
• Praxisfinanzierung für Ärzte (Practice Financing for Physicians) Specialized financing advisory for physicians and medical professionals starting, acquiring, or expanding medical practices, covering practice setup financing, loan structuring, access to subsidized financing, and annuity loans, final payment loans, and cap loans. Delivered under §34i GewO real estate loan intermediation license.

Quantifiable outcome

• 7,400 satisfied customers currently served
• +2 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration13 records

Partnerships

17 partnerships are on record, tiered core.

• AllianzcoreChannel Partner/ Reseller/ DistributorInsurance product provider partnership. Allianz is one of the displayed partner logos on the GET:FINEO website, indicating a commercial insurance distribution relationship. Allianz provides insurance products which GET:FINEO advises on and places for clients.
• DEURAGcoreChannel Partner/ Reseller/ DistributorInsurance product provider shown as a cooperation partner logo on the GET:FINEO website.
• ALTE LEIPZIGER (ALH-Gruppe)coreChannel Partner/ Reseller/ DistributorInsurance product provider shown as a cooperation partner logo on the GET:FINEO website.
• Ammerländer VersicherungcoreChannel Partner/ Reseller/ DistributorInsurance product provider shown as a cooperation partner logo on the GET:FINEO website.
• JanitoscoreChannel Partner/ Reseller/ DistributorInsurance product provider (specializing in residential property insurance) shown as a cooperation partner logo.
• HDIcoreChannel Partner/ Reseller/ DistributorInsurance product provider shown as a cooperation partner logo on the GET:FINEO website.
• BVT (Bayerische Versorgungskammer)coreChannel Partner/ Reseller/ DistributorInsurance product provider shown as a cooperation partner logo on the GET:FINEO website.
• Hamburger FeuerkassecoreChannel Partner/ Reseller/ DistributorRegional insurance provider (fire and property insurance) shown as a cooperation partner logo.
• HaftpflichtkassecoreChannel Partner/ Reseller/ DistributorInsurance product provider shown as a cooperation partner logo on the GET:FINEO website.
• HanseMerkurcoreChannel Partner/ Reseller/ DistributorInsurance product provider shown as a cooperation partner logo on the GET:FINEO website.
• InterRiskcoreChannel Partner/ Reseller/ DistributorInsurance product provider shown as a cooperation partner logo on the GET:FINEO website.
• ProvinzialcoreChannel Partner/ Reseller/ DistributorInsurance product provider shown as a cooperation partner logo on the GET:FINEO website.
• GEV-VersicherungcoreChannel Partner/ Reseller/ DistributorInsurance product provider shown as a cooperation partner logo on the GET:FINEO website.
• Nürnberger VersicherungcoreChannel Partner/ Reseller/ DistributorInsurance product provider shown as a cooperation partner logo on the GET:FINEO website.
• VOLKSWOHL-BUNDcoreChannel Partner/ Reseller/ DistributorInsurance product provider shown as a cooperation partner logo on the GET:FINEO website.
• ARAGcoreChannel Partner/ Reseller/ DistributorInsurance product provider shown as a cooperation partner logo on the GET:FINEO website.
• Fonds Finanz Maklerservice GmbHcoreTechnology or IntegrationInsurance broker pool (Maklerpool) providing comparison calculators for financial products, real estate, and consumer goods integrated into the GET:FINEO website. Data is transmitted to the broker pool for processing and forwarded to GET:FINEO.

Scale indicators3 records

Recent moves6 records

Expansion highlights3 records

Direct peers

• MLP SE: Large German financial advisory and brokerage firm with multi-license structure (insurance, investments, loans) serving private and corporate clients; directly comparable business model to GET:FINEO across all six service lines, but at national scale.
• DVAG Deutsche Vermögensberatung: Germany's largest independent financial advisory network, offering insurance brokerage, wealth management, and financing advisory through a face-to-face model; structurally similar integrated advisory approach to GET:FINEO at significantly larger scale.
• Dr. Klein Privatkunden AG: German financial services intermediary focused on mortgage brokerage, insurance, and investment advisory; comparable to GET:FINEO's mortgage intermediation and insurance brokerage lines with similar commission-based model.
• A.S.I. Wirtschaftsberatung: German financial advisory firm specializing in serving academics and professionals with insurance, investment, and financing solutions; comparable face-to-face advisory model with similar target segments and product breadth as GET:FINEO.
• Horbach Wirtschaftsberatung: Independent German financial advisory firm with integrated insurance, wealth management, and financing services for retail and professional clients; directly comparable multi-line advisory business model to GET:FINEO.
• Swiss Life Select: German financial advisory subsidiary of Swiss Life Group providing insurance, investment, and real estate financing advisory through personal consultants; closely aligned with GET:FINEO's holistic Kümmerer-style approach and product-provider-independent positioning.

Emerging players

• FinanceScout24: German online comparison and brokerage platform for insurance and financial products; overlaps with GET:FINEO's standard advisory lines on the digital side while lacking the holistic Kümmerer offering.

Broad incumbents

• CHECK24 Vergleichsportal: Germany's leading digital insurance and financial product comparison platform; competes with GET:FINEO on the same end-customers but via self-service digital channels, putting pressure on standard personal lines where GET:FINEO is weakest.
• Verivox GmbH: Major German price comparison portal for insurance, energy, and financial products; even serves as a technology provider to GET:FINEO, representing both an enabler and a competitive threat as customers increasingly self-serve.
• Allianz Beratungs- und Vertriebs-AG: Captive distribution arm of Allianz Germany, the largest insurance carrier in the country; directly overlapping with GET:FINEO's personal lines and wealth offerings, but as a single-carrier model rather than GET:FINEO's multi-carrier independent brokerage.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 Fineo