What Heilbron does

Heilbron is a Dutch financial services intermediary headquartered in Doetinchem, Netherlands, providing mortgage loan origination and insurance brokerage services. Founded in 1932, the firm has operated in the Dutch market for over 90 years, building a regional presence in mortgage advisory and insurance distribution. The company sits within the Dutch intermediary segment that connects consumers and small businesses to insurance carriers and mortgage lenders.

The business model is commission-based: Heilbron earns brokerage fees on insurance policies placed with partner carriers and on mortgage loans originated on behalf of lending partners. The firm operates as an independent intermediary rather than a captive agent, sourcing products from multiple Dutch insurance and financial institutions. Customer relationships are managed through a local branch model anchored in Doetinchem, serving retail consumers and small commercial clients with personal advisory services.

A data caveat applies: the substantive operational data in the source material describes a different entity (Alpina, founded 1913, serving 800,000+ customers with multi-channel digital and physical distribution), and does not directly correspond to Heilbron's stated firmographic profile of 101-250 employees. The description above reflects what the firmographic data supports for Heilbron specifically. No AI/ML capabilities, proprietary technology platforms, or funded growth initiatives are disclosed in the input.

Name

Heilbron

Legal name

Alpina

Website

https://heilbron.nl

Company type

Private

Founded year

1913

Operating status

Operating

Headcount range

101–250 employees

Short description

Heilbron is a Doetinchem-based Dutch financial intermediary providing mortgage loan and insurance brokerage services to consumers and small businesses. Founded in 1932, the firm earns commissions distributing products from multiple Dutch insurance carriers and mortgage lenders.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411), Loan Brokers (6163)

akta.pro primary industry

Home Equity Loan & HELOC Intermediation (FSAEAEAD)

Keywords

• Mortgage loan services
• Insurance brokerage
• Financial advisory
• Insurance intermediary
• Mortgage advisory

Headquarters

HQ city

Doetinchem

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Insurance brokerage commissions: Alpina acts as an insurance broker, earning commissions from multiple insurance providers for placing policies. They compare offerings from providers including Allianz, Avero Achmea, Allianz Direct, ASR, De Goudse, Nationale Nederlanden, De Vereende, Turien & co, and Klaverblad. Revenue is generated through premiums placed, likely with commission structures per policy type.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Heilbron provides mortgage loan services and insurance services in the Dutch market. The firm acts as an intermediary placing customers with insurance carriers across vehicle, home, recreational, liability, and business lines, while also advising on and arranging mortgage loans. Operations are run from Doetinchem with 101-250 employees serving individual consumers and small businesses throughout the Netherlands.

Product overview

Alpina is a Dutch insurance comparison and financial advisory company offering a comprehensive portfolio of insurance products and services. The core offering consists of vehicle insurance products (autos, motorcycles, scooters, campers, trucks, vans, classic cars), home insurance products (contents, buildings, liability, legal expenses, accidents), and recreation/travel insurance (boats, caravans, holiday homes). For business customers, Alpina provides commercial vehicle, liability, legal, and packaged insurance solutions (MKB Totaalpakket, VVE Totaalpakket). The company operates as a broker comparing multiple insurance providers including Allianz, Avero Achmea, ASR, De Goudse, Nationale Nederlanden, De Vereende, Turien & co, Klaverblad, and Unigarant. Alpina also offers personal financial advisory services through Alpina Advies, including mortgage advice and real estate brokerage.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgage loan services
• Insurance services

Quantifiable outcome

• 800,000+ customers served
• +1 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eleven partnerships are on record, tiered core and minor.

• AllianzcoreOthersAllianz is one of the insurance providers whose products are compared and offered through Alpina's platform. Alpina acts as a broker/agent placing customer policies with Allianz among other insurers.
• Avero AchmeacoreOthersAvero Achmea insurance products are compared and offered through Alpina's platform as one of the multiple insurance providers available to customers.
• Allianz DirectcoreOthersAllianz Direct online insurance products are included in Alpina's comparison platform, offering customers direct insurance options alongside traditional providers.
• ASRcoreOthersASR Nederland insurance products are available through Alpina's comparison service, representing one of the Dutch insurance providers in their network.
• De GoudsecoreOthersDe Goudse Verzekeringen products are offered through Alpina's platform, serving as one of the insurance providers for customer comparison.
• Nationale NederlandencoreOthersNationale Nederlanden (NN Group) insurance and financial products are included in Alpina's provider comparison network.
• De VereendecoreOthersDe Vereende verzekeringen are offered through Alpina, with special mention of De Vereende as a provider for specific insurance needs (indicated on website navigation).
• Turien & cocoreOthersTurien & co insurance products are available through Alpina's comparison platform as one of the partnered insurance providers.
• KlaverbladcoreOthersKlaverblad Verzekeringen products are offered through Alpina's insurance comparison service, representing a regional Dutch insurer in their network.
• UnigarantminorOthersUnigarant is listed among the insurance providers available through Alpina's comparison platform, though appears to be a secondary provider.
• KlantenvertellenminorGTM or Marketing PartnerKlantenvertellen is a customer review platform partnership used by Alpina to display verified customer ratings and recommendations. Alpina shows 8.3/10 rating based on 3711 reviews with 93% recommendation rate.

Scale indicators3 records

Recent moves3 records

Expansion highlights3 records

Broad incumbents

• Achmea: Largest Dutch insurance group (parent of Avero Achmea, Centraal Beheer, FBTO, Interpolis). Operates a hybrid captive-broker model; comparable to Heilbron's hybrid digital+advisory distribution philosophy at much larger scale.
• ASR Nederland: One of the largest Dutch insurance carriers offering life, P&C, health, and income protection through direct and broker channels. Heilbron's insurance products are placed in part through ASR; broad incumbent with overlapping distribution but operating at much greater scale.
• Allianz Nederland: Major Dutch insurer (subsidiary of Allianz Group) offering personal and commercial lines. Listed by Alpina as a placement partner, and a broad incumbent overlapping in personal-lines products distributed partly through brokers.
• Nationale Nederlanden: Major Dutch life, pension, and P&C insurer (part of NN Group). One of Heilbron's product placement partners and a broad incumbent operating across retail and group insurance with overlapping customer segments.

Direct peers

• Univé: Dutch insurance cooperative offering personal and business insurance with a member-owned distribution model. Comparable to Heilbron's product breadth and multi-channel distribution approach in the Dutch market.
• Pricewise: Dutch price comparison site for insurance, energy, and financial products. Competes with Heilbron for the same price-sensitive Dutch consumers doing online comparison shopping for personal-lines coverage.
• Independer: Dutch online insurance and financial services comparison platform. Directly comparable to Heilbron/Alpina because it offers the same comparison-and-broker value proposition to Dutch consumers shopping for personal-lines insurance.

Regional players

• De Goudse Verzekeringen: Mid-sized Dutch insurance carrier focused on SME, group disability, and personal-lines products. Regional player with product overlap in business insurance and personal-lines comparable to Heilbron's segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/HeilbronAssurantien
• LinkedInlinkedin.com/company/alpinafinancieelzeker
• Instagraminstagram.com/alpina.nl
• Xx.com/heilbron_nv

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 Heilbron