BSB Verzekeringen

What BSB Verzekeringen does

BSB Verzekeringen B.V. is a Dutch insurance brokerage and financial advisory firm founded in 1994 and headquartered at Markt 5, Geleen, in the Limburg region of the Netherlands. The firm operates as a volmacht (authorized intermediary) representing multiple insurance companies, providing independent advice across personal lines (home, contents, vehicle, travel, life, funeral, liability, health, and solar panel insurance), business lines (commercial liability, property, and sector-specific packages), mortgages, and broader financial planning. Its primary customer segments are private individuals (particulieren) and small/medium businesses (bedrijven) in Limburg, served through face-to-face advisory at its Geleen office, phone and email advisory, and digital self-service channels.

The company's product surface is organized around a core brokerage offering supplemented by custom-packaged commercial products: Horecapolis for hospitality businesses and Garagepolis for automotive garages. Its technology stack centers on customer-facing digital tools — the BSB WebApp (web-based policy access, claims, and updates), the newer Appviseurs mobile app (launched in 2025 to replace the WebApp), the BSB Waardemeter (online contents/property valuation tool to prevent underinsurance), and the Financiële ToekomstScan (financial-planning diagnostic). These tools are built as client-experience and self-service layers rather than AI-driven automation. The firm's advisors hold AFM-recognized certifications (Erkend Financieel Adviseur and Erkend Hypotheekadviseur), and the firm is registered with KIFID for binding dispute resolution.

BSB's revenue model is built on insurance intermediation commissions embedded in client premiums (the default model), supplemented by mortgage advisory fees and broader financial-planning fees structured as hourly rates, fixed fees, subscriptions, or hybrid arrangements per its published remuneration policy. The firm is a wholly owned subsidiary of D&S Holding B.V., the distribution and services division of ASR Nederland N.V. (a.s.r.), and operates within the Nedasco intermediary distribution network. Its go-to-market combines local physical presence with digital self-service and content marketing via an active blog and social channels (Facebook, Instagram, LinkedIn), targeting top-of-funnel awareness in the Limburg region.

Name

BSB Verzekeringen

Legal name

BSB Verzekeringen B.V.

Website

https://bsbverzekeringen.nl

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

11–50 employees

Short description

BSB Verzekeringen is a Dutch insurance brokerage and financial advisory firm in Geleen, serving private individuals and businesses in Limburg with personal and commercial insurance, mortgages, and custom sector packages (Horecapolis, Garagepolis), operating as a volmacht intermediary within the a.s.r./Nedasco group.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Employee Benefits Brokerage & Consulting (FSAEADAC)

Keywords

• Insurance brokerage
• Mortgage advisory
• Financial planning
• Business insurance
• Personal insurance

Headquarters

HQ city

Geleen

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance intermediation and advisory commissions: BSB Verzekeringen acts as an insurance intermediary (volmacht) and financial advisor, earning commissions from insurance companies for placing and managing policies. The firm is authorized to handle claims and policy administration on behalf of multiple insurers. Revenue is derived from premiums paid by customers, with a portion retained as commission by BSB.
2. Mortgage advisory services: The company provides independent mortgage advisory services, offering advice across a broad range of mortgage products from multiple providers. Revenue may come from fees charged to customers, commissions from lenders, or a combination per the beloningsbeleid (remuneration policy).
3. Financial planning and advisory fees: Additional advisory services covering wealth building, risk coverage, and financial planning. Remuneration can take the form of hourly rates, fixed fees, or subscription-based fee arrangements as agreed with clients per their general terms.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

BSB Verzekeringen is an independent insurance brokerage and financial advisory firm in Geleen, Netherlands, placing personal and business insurance policies, mortgages, and financial planning products on behalf of multiple insurance companies as an authorized volmacht intermediary. The firm combines in-person advisory at its Geleen office with digital self-service tools (Appviseurs app, BSB WebApp, BSB Waardemeter, and Financiële ToekomstScan) and offers bespoke sector-specific packages such as Horecapolis for hospitality and Garagepolis for automotive businesses.

Product overview

BSB Verzekeringen is a full-service insurance brokerage operating as a single-location independent financial advisory firm in Geleen, Netherlands. The company offers a unified portfolio of insurance and financial services including personal insurance (particulier), business insurance (bedrijven), mortgages (hypotheken), and specialized custom policies such as Horecapolis for hospitality businesses and Garagepolis for automotive garages. Digital services include the BSB WebApp, Appviseurs customer app, and BSB Waardemeter property valuation tool. All services are provided under the a.s.r. (ASR Nederland N.V.) group umbrella through D&S Holding B.V.

Differentiator

Problem solved

Functional benefit

Brands

• BSB Horecapolis: Custom insurance package for hospitality businesses (horeca).
• BSB Garagepolis
• BSB WebApp
• Appviseurs
• BSB Waardemeter

Products and services

• Particuliere Verzekeringen (Personal Insurance) Insurance products for private individuals covering home, contents, vehicle, travel, life, funeral, liability, and health insurance categories, advised through BSB's volmacht representation of multiple insurers.
• Bedrijfsverzekeringen (Business Insurance) Business insurance products providing coverage for entrepreneurs and companies, including liability, property, and commercial vehicle insurance, placed with multiple insurers through BSB's volmacht authority.
• Hypotheken (Mortgage Advisory) Independent mortgage advisory and brokerage services including mortgage advice, NHG (Nationale Hypotheek Garantie) guidance, and mortgage refinancing for clients in the Limburg region.
• Horecapolis Customized insurance package designed specifically for the hospitality industry (horeca), covering restaurants, cafes, hotels, and related businesses.
• Garagepolis Tailored insurance solution for automotive garages and dealers, covering workshop liability, inventory, and commercial risks specific to the automotive industry.
• Appviseurs (Customer App) Modern mobile customer app replacing the former WebApp, providing customers with anytime, secure access to insurance policy information, policy document review, and change notifications. Available for Android and Apple devices.
• BSB WebApp Web-based application providing customers worldwide access to their insurance policies, enabling damage reporting, policy data access, and change notifications from any location.
• BSB Waardemeter Online valuation tool helping customers determine the approximate value of their home contents and residential property to prevent underinsurance, with inputs for property characteristics, valuables, electronics, and buildings.
• Financiële ToekomstScan (Financial Future Scan) Online financial planning scan that provides customers with an overview of their financial situation and future outlook within a few minutes, supporting financial planning and advisory conversations.

Quantifiable outcome

• Over 30 years of continuous operation as a local insurance and financial advisory firm

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Five partnerships are on record, tiered core and minor.

• D&S Holding B.V.coreOthersBSB Verzekeringen is a wholly owned subsidiary of D&S Holding B.V., which is the distribution and services division of ASR Nederland N.V. (a.s.r.). BSB falls under the a.s.r. group remuneration policy. D&S Holding serves as the holding entity for regional insurance advisory and distribution businesses within the a.s.r. group.
• a.s.r. Nederland N.V.coreOthersASR Nederland N.V. (a.s.r.) is the ultimate parent company of BSB Verzekeringen via D&S Holding B.V. BSB Verzekeringen operates as part of a.s.r.'s distribution network and falls under the a.s.r. group remuneration and compliance policies.
• Multiple insurance companies (insurers)coreOthersBSB Verzekeringen acts as a volmacht (authorized intermediary) representing multiple insurance companies (verzekeringsmaatschappijen). As an independent broker, BSB intermediates between clients and various insurers for policy placement, claims handling, and ongoing policy management.
• Klachteninstituut Financiële Dienstverlening (Kifid)minorOthersBSB Verzekeringen is registered with Kifid under number 300.001531. Clients can escalate complaints to the Geschillencommissie Financiële Dienstverlening for binding arbitration. BSB commits in advance to abide by Kifid's binding recommendations.
• Nedasco GroepminorOthersBSB Verzekeringen is part of the Nedasco group, a Dutch financial services distribution network. Nedasco operates as the distribution and services division of a.s.r. Nederland, providing a platform for independent financial advisors.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Direct peers

• Nedasco: Sister distribution platform within a.s.r./D&S Holding. Both operate as multi-insurer advisory/intermediary distribution networks serving Dutch independent advisors and regional brokers — directly comparable operating model and group ownership structure.
• De Hypotheker: Dutch mortgage advisory chain with physical offices providing independent mortgage advice across multiple lenders. Comparable to BSB's mortgage advisory business, similar advisory-led, in-person-plus-digital distribution to retail and business clients.
• Van Bruggen Adviesgroep: Netherlands-based chain of independent financial advisory offices offering insurance, mortgages, and financial planning — same target segments and bundled advisory proposition as BSB.
• Veldsink Adviesgroep: Large Dutch network of independent insurance and financial advisors serving both private and business clients through a hybrid in-person/digital model. Highly comparable to BSB in target customer, product breadth (insurance + mortgage + pensions), and intermediary structure.

Broad incumbents

• Nationale-Nederlanden (NN Group): Major Dutch life and non-life insurer offering insurance, pensions, and banking products. Broad incumbent across the same product categories BSB intermediates in.
• Centraal Beheer (Achmea): Direct-to-consumer insurance arm of Achmea, one of the largest Dutch insurance groups. Competitor in personal insurance lines with a strong direct/digital proposition that contrasts with BSB's advisory-led approach.
• Aon Netherlands: Global insurance brokerage and risk advisory firm with significant Dutch operations. Competes in commercial insurance and risk advisory for SMEs and larger businesses — overlapping BSB's Bedrijven segment at the upper end.
• ASR Nederland N.V. (a.s.r.): Ultimate parent of BSB Verzekeringen. A major Dutch insurer offering life, non-life, and pension products through multiple distribution channels including direct, broker, and intermediary networks — broad incumbent overlapping directly with BSB's product range.

Emerging players

• Independer: Leading Dutch insurance and financial product comparison platform. Represents the digital, comparison-first model competing with traditional brokerages like BSB for commoditized personal insurance lines.
• Pricewise: Dutch financial product comparison site offering insurance, mortgage, and energy comparisons. Comparable in product category (insurance, mortgage) but contrasting in digital-only distribution versus BSB's advisory-led model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/BSBVerzekeringen
• LinkedInlinkedin.com/company/bsb-verzekeringen
• Instagraminstagram.com/bsbverzekeringen
• Xx.com/bsbgeleen

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

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 BSB Verzekeringen