Novico Financial Consulting & Immobilien

What Novico Financial Consulting & Immobilien does

Novico Financial Consulting & Immobilien GmbH is a privately held, independent German financial advisory and real estate firm headquartered in Sigmaringendorf, Baden-Württemberg. The company is registered as a Versicherungsmakler under §34d para. 1 GewO (registration D-NCYL-CKY1D-67, regulated by DIHK Berlin) and as a real-estate broker, loan/investment intermediary, and construction manager under §34c para. 1 GewO, and it operates around five integrated service pillars: Schlüsselfertiges Bauen (turnkey residential construction), private Finanzplanung und Versicherungsoptimierung, betriebliche Altersvorsorge and Entgeltoptimierung (BAV/salary optimization) for SMEs and managing directors, Kapitalanlagen/Beteiligungen (tax-optimized closed-end participations), and a Kooperationskonzept platform enabling external financial advisors and brokers to access Novico's product infrastructure.

Its product surface is multi-module: turnkey single- and multi-family homes built via solid, timber-frame, or prefabricated systems supplied through Dennert/Icon Haus, with integrated financing via direct banks, optional Wohnriesterförderung subsidy stacking, and the Heatbox compact modular heating center; computer-aided private financial planning combining retirement planning, risk-coverage assessment, Markowitz-based portfolio optimization, and property financing analysis; BAV setup, GGF-Versorgung optimization, social-security legal assessments for managing directors and family members, and Entgeltoptimierung via DG-Gruppe; capital investments accessed through the efonds 24 online marketplace (commissions settled via a trustee account); and private health insurance (PKV) via PKV-Servicepool direct contracts. The cooperation arm packages all of this as a single-counterpart, back-office-supported offering for partner advisors and brokers.

The business model is primarily commission-driven on placed products (transaction-fee economics) supplemented by project-based BAV advisory fees; pricing is not publicly disclosed and sales are led via direct website inquiry forms, personal referrals, and partner referrals through the DG-Gruppe and PKV-Servicepool networks. Customer segments span German private individuals seeking integrated wealth planning, German SMEs and managing directors seeking BAV/salary optimization, and a secondary B2B segment of independent advisors and brokers served under cooperation agreements. Ownership is concentrated in Managing Partner Oliver Gitschier (Dipl. Betriebswirt (BA)); there are no institutional investors, no public listing, no disclosed headcount, and no disclosed revenue or funding history in the available sources.

Name

Novico Financial Consulting & Immobilien

Legal name

Novico Financial Consulting & Immobilien GmbH

Website

https://novico.de

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

1–10 employees

Short description

Novico Financial Consulting & Immobilien GmbH is an independent German financial advisory and real estate firm offering turnkey construction, private financial planning, BAV and salary optimization, capital investments, and an advisor cooperation platform. It serves private clients and SMEs across Germany under §34d/§34c GewO licensing.

Ownership category

akta.pro rank

Product category

Independent Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (52394), Offices of Real Estate Agents and Brokers (5312), Management Consulting Services (54161)

SIC

Investment Advice (6282), Insurance Agents, Brokers & Service (6411), Real Estate Agents & Managers (For Others) (6531)

akta.pro primary industry

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)

akta.pro secondary industry

Employee Benefits Brokerage & Consulting (FSAEADAC)

Keywords

• Independent financial advisory
• Insurance brokerage services
• Real estate brokerage
• Corporate pension advisory
• Salary optimization consulting

Headquarters

HQ city

Sigmaringendorf

HQ country

Germany

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

Revenue model

1. Commission from Insurance Products: Novico earns commissions as a licensed insurance broker (Versicherungsmakler per §34d Abs.1 GewO) for placing insurance products including private health insurance (PKV), occupational pension insurance (BAV), and risk/accident/life insurance. Commissions are paid by insurance providers upon placement.
2. Commission from Financial Products and Capital Investments: Revenue is generated through commissions on investment products, capital participations (Beteiligungen), and investment fund placements. The firm operates an online marketplace (efonds 24) for closed-end investments where commissions are processed via a trustee account.
3. Real Estate Brokerage and Turnkey Construction Services: Novico acts as a licensed real estate broker (Immobilienmakler per §34c Abs.1 GewO), facilitating property purchases, financing, and turnkey construction. Revenue likely derives from brokerage fees and commissions on property transactions and construction mandates.
4. BAV and Entgeltoptimierung Advisory Services: Novico provides corporate pension scheme setup, management, and advisory services for employers and employees, including the setup of company pension plans (Versorgungswerke), director/officer pension solutions (GGF-Versorgungen), and salary optimization schemes via the DG-Gruppe partnership. Revenue derives from advisory fees and commissions on pension products placed.

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

Novico Financial Consulting & Immobilien GmbH is an independent German financial advisory and real estate firm (Versicherungsmakler / Immobilienmakler) offering integrated private financial planning, insurance optimization, turnkey residential construction with financing, corporate pension schemes (BAV), salary optimization (Entgeltoptimierung), and capital investment access through partnerships and the efonds 24 online marketplace. The firm operates on a commission-based intermediary model with a cooperation platform enabling partner financial advisors to leverage its product infrastructure, back-office support, and specialist advisory capabilities.

Product overview

Novico Financial Consulting & Immobilien GmbH is a German independent financial advisory and real estate firm offering a multi-module portfolio organized around five core pillars: (1) Schlüsselfertiges Bauen — turnkey residential construction (single/multi-family homes) with integrated financing via direct banks, optional Wohnriesterförderung, and access to Icon Haus/Dennert prefabricated systems, plus the Heatbox compact heating unit; (2) Finanzplanung inkl. Versicherungsoptimierung — private financial planning combining retirement planning, risk checks (illness/accident/occupational disability/death), EDV-gestützte Markowitz portfolio optimization, and property financing analysis; (3) Betriebliche Altersvorsorge (BAV) und Entgeltoptimierung — company pension scheme setup, GGF pension optimization, SV legal assessments, and salary net-to-gross optimization via DG-Gruppe; (4) Kapitalanlagen/Beteiligungen — tax-optimized capital investments and closed-end participations via the efonds24 online marketplace (4–8% p.a. expected returns); and (5) Kooperationskonzept — a B2B platform enabling financial advisors and brokers to access Novico's network (PKV-Servicepool, efonds24, financing platforms) under a single-contact, back-office supported model. The firm also offers private health insurance (PKV) brokerage via PKV-Servicepool. All services are product-neutral and delivered using proprietary EDV tools, with a specialization in company pension and salary optimization for business clients.

Differentiator

Problem solved

Functional benefit

Products and services

• Schlüsselfertiges Bauen (Turnkey Construction) Turnkey construction service for single- and multi-family homes, including land sourcing, financing arranged from direct banks at preferential rates, and insurance. Properties are built in solid construction, timber-frame, or prefabricated solid systems (via Dennert/Icon Haus partnership).
• Finanzplanung inkl. Versicherungsoptimierung (Private Financial Planning) Private financial planning service delivered as an integrated concept combining retirement planning, risk coverage analysis (illness, accident, occupational disability, death), portfolio optimization using Markowitz theory via EDV tools, property financing analysis, and insurance optimization. Offered to German private individuals as a complete package or individual modules.
• Betriebliche Altersvorsorge (BAV) Advisory Corporate pension scheme setup and management for German SMEs and managing directors, including implementation of employee benefit conversions (Entgeltumwandlung), GGF managing director pension solutions, optimization of existing pension commitments with comparative quotes, and modern reinsurance structures.
• Entgeltoptimierung (Salary Optimization) Salary optimization service for employers and employees that leverages the DG-Gruppe partnership to increase net pay from gross salary through optimized benefit structures, social security contribution reduction, and tax-efficient compensation arrangements.
• Kapitalanlagen / Beteiligungen (Capital Investments & Participations) Tax-optimized capital investment and closed-end participation product offering for private investors and companies with pension commitments seeking diversified assets, accessed via the efonds 24 online marketplace (the market leader in Germany for closed-end investments) with commission processed through a trustee account. Expected returns of 4–8% p.a.
• Kooperationskonzept (Cooperation Model for Partner Advisors) B2B cooperation platform providing partner financial advisors, insurance brokers, and real estate agents with access to Novico's product infrastructure and execution capabilities, including PKV direct contracts via PKV-Servicepool, efonds 24 platform for closed-end investments, financing platforms, and on-site BAV/SV specialist support, with commission sharing arrangements.
• Private Krankenversicherung (PKV) Brokerage Private health insurance brokerage and optimization service for German private individuals, leveraging PKV-Servicepool direct contracts at top conditions plus back-office and advisory support infrastructure.

Quantifiable outcome

• Capital investments with potential returns of 4-8% p.a.
• +2 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Dennert (Icon Haus / icon-haus.de)coreStrategic or Co-development PartnerNovico offers turnkey construction services using Massivfertighäuser (prefabricated solid homes) from the company Dennert, marketed under the brand Icon Haus. This is a product supply partnership for the turnkey home construction arm of Novico's business, where homes are built to client specifications in either solid construction, timber-frame, or Dennert's prefabricated solid panel systems.
• efonds 24coreChannel Partner/ Reseller/ Distributorefonds 24 is described as the market leader in closed-end capital investments in Germany. Novico uses the efonds 24 online platform as its marketplace for capital participation products (Beteiligungen), with commissions processed via a trustee account (Treuhandkonto). This partnership provides Novico's clients access to the platform and allows partner financial advisors to route their clients through Novico's efonds 24 access.
• DG-Gruppe (Unternehmer DG-Gruppe Oliver Gitschier)coreStrategic or Co-development PartnerOliver Gitschier, the managing partner of Novico, operates a dedicated DG-Gruppe entrepreneur page as a partner of the DG-Gruppe network. DG-Gruppe is a platform for salary optimization (Entgeltoptimierung) solutions, enabling Novico to offer the 'Mehr Netto vom Brutto' (more net from gross) salary conversion product to employer clients and their employees.
• PKV-ServicepoolminorChannel Partner/ Reseller/ DistributorPKV-Servicepool provides direct contracts (Direktverträge) in the private health insurance (PKV) segment at top conditions, along with back-office and advisory support services. Novico leverages PKV-Servicepool to place private health insurance products for clients and offers access to this partnership infrastructure to its cooperation partners.
• Icon HausminorStrategic or Co-development PartnerIcon Haus (icon-haus.de) is a brand associated with Dennert prefabricated homes. Referenced in Novico's partner page and turnkey construction section as the preferred home building system for Novico's turnkey construction services alongside massiv and timber-frame construction methods.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Town & Country Haus: Town & Country Haus is a German franchised homebuilder offering turnkey mass-produced and prefabricated homes with integrated financing support. Directly comparable to Novico's Schlüsselfertiges Bauen offering with similar Dennert-style prefab construction methods.
• Honorarfinanz AG: Honorarfinanz is a fee-only German financial advisory firm offering transparent, commission-free financial planning and investment advisory. Comparable to Novico's private financial planning offering, with a contrasting compensation model that highlights the regulatory trajectory Novico faces.
• BCA AG: BCA is one of Germany's largest broker pools serving independent insurance brokers and financial advisors with product access, back-office infrastructure, and marketing support. Directly comparable to Novico's Kooperationskonzept and competitive in the same partner-advisor segment.
• Plansecur Management GmbH & Co. KG: Plansecur is a German independent financial advisor with a notable specialization in occupational pensions (BAV) and financial planning for SMEs and individuals. Comparable to Novico in its niche-BAV focus and independent-advisor positioning.
• Telis Finanz AG: Telis Finanz is a German independent financial advisor with multi-product offerings (insurance, investment, BAV) and a partner/cooperation structure for advisors. Closely mirrors Novico's combination of direct advisory and partner-advisor enablement.

Broad incumbents

• Deutsche Vermögensberatung (DVAG): DVAG is Germany's largest independent financial advisor network, offering integrated insurance, investment, and BAV products through a tied-agent structure. Comparable to Novico's integrated advisory positioning, but with a national distribution footprint built through its structure-bound agent model.
• Interhyp AG: Interhyp is Germany's largest independent mortgage broker, arranging real estate financing from a broad panel of lenders. Comparable to Novico's Direktbank-Finanzierung and Immobilien-Finanzierungscheck services, but operating nationally with digital scale.
• Swiss Life Select Deutschland: Swiss Life Select operates a Germany-wide network of financial advisors offering integrated insurance, wealth, and pension products under the Swiss Life brand. Comparable to Novico's cooperation-model positioning, but with national brand support and broader product infrastructure.
• Allianz Beratungs- und Vertriebs-AG: Allianz operates Germany's largest tied insurance agent network and a full wealth, pension, and investment product suite. Comparable to Novico across insurance, BAV, and investment offerings, but as a vertically integrated carrier-distributor rather than an independent broker.
• MLP SE: MLP is one of Germany's largest independent financial advisory and banking groups, serving private and SME clients with integrated financial planning, BAV, and wealth management. It is directly comparable in service mix to Novico but operates at vastly greater scale, multi-region footprint, and with publicly listed scale advantages.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 Novico Financial Consulting & Immobilien