What Verzekeruzelf.nl does

Fidus B.V., operating commercially as Fidus and formerly known as Verzekeruzelf.nl, is a Dutch insurance intermediary and financial services provider headquartered in the Netherlands. The company is structured as a private B.V. under AFM license number 12008082 and KVK registration 23034619, and serves both individual (Particulier, primary) and business (Zakelijk, secondary) customers. Its core offering is a comprehensive insurance portfolio organized into four categories — Leven (Life), Onderweg (Vehicle), Op reis (Travel), and Wonen (Home) — covering more than 30 distinct insurance products including pension, health, car, travel, home contents, liability, legal expenses, and pet insurance, alongside consumer financial products (mortgages and loans) and real estate brokerage services.

The business is an intermediation model rather than a risk carrier: Fidus distributes insurance from underlying insurers and earns commission on placed policies, supplemented by advisory fees for financial guidance and real estate transactions. Distribution is omnichannel, combining a multi-branch physical office network across the Netherlands, a telephone advisory desk (085 8600 000), and the MijnFidus online self-service portal for policy management, claims reporting, and document access. There is no native mobile app, no public API, and no disclosed AI/ML capabilities in the technology stack.

The single most material strategic event in the recent record is the 16 June 2025 rebrand from Verzekeruzelf to Fidus, framed as a merger of operations with the Fidus entity to provide a more complete product range at better terms and conditions. The company presents the move as a defensive consolidation response to a "rapidly changing market," with existing services and customer relationships stated to be unchanged. No funding rounds, acquisitions, partnerships, or leadership changes are disclosed in the source material.

Name

Verzekeruzelf.nl

Legal name

Fidus B.V.

Website

https://verzekeruzelf.nl

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

11–50 employees

Short description

Fidus B.V. (formerly Verzekeruzelf.nl) is a Dutch insurance intermediary and financial services provider distributing 30+ insurance products, mortgages, loans, and real estate brokerage services to individual and business customers across the Netherlands via a multi-branch network, telephone advisory, and the MijnFidus online portal.

Ownership category

akta.pro rank

Headquarters

HQ city

's-hertogenbosch

HQ country

Netherlands

HQ region

Europe

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Distribution channels3 records

Core offering

Verzekeruzelf.nl (operating as Fidus) is a Dutch insurance intermediary and financial services provider that offers insurance policies across life, vehicle, travel, home, and liability categories, alongside mortgage advisory, personal loans, and real estate brokerage services. The company distributes these products through physical branches, telephone-based advisory, and an online self-service portal, serving primarily Dutch consumers with select business-oriented offerings.

Product overview

Verzekeruzelf.nl (now Fidus) is a Dutch insurance and financial services company offering a comprehensive portfolio of insurance products organized into four main categories: Leven (Life insurance including pension, survivors, death risk, funeral, liability, accident, legal expenses, and health insurance), Onderweg (Vehicle insurance for cars, trailers, vans, boats, mopeds, caravans, bicycles, campers, motorcycles, classic cars, and roadside assistance), Op reis (Travel insurance including cancellation, annual, short-trip, and holiday home coverage), and Wonen (Home insurance including contents, buildings, housing costs, and pet insurance). Additionally, the company offers mortgages, loans, and real estate brokerage services. The company rebranded to Fidus on June 16, 2025, merging with Fidus to provide a more complete offering with better terms and conditions while maintaining personalized financial advisory services.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance (Autoverzekering) Vehicle insurance coverage including WA, WA+ beperkt casco, and allrisk (all-risk) variants for cars, offering protection against liability, damage, and theft. Targeted at individual Dutch vehicle owners.
• Travel Insurance (Reisverzekering) Travel insurance covering medical expenses, luggage, cancellation, and car assistance for travelers. Available as short-trip and annual policies for individual consumers and families.
• Home Insurance (Woonverzekering) Home contents and home insurance (opstalverzekering) covering fire, water damage, theft, and household contents for homeowners and tenants. Targeted at Dutch residents.
• Life Insurance (Levensverzekering) Life insurance products designed to provide financial security for policyholders' families, including term life and funeral insurance variants. Targeted at individual Dutch consumers.
• Liability Insurance (Aansprakelijkheidsverzekering) Private liability insurance covering damages the policyholder may cause to third parties. Targeted at individual Dutch residents.
• Motorcycle Insurance (Motorverzekering) Insurance coverage for motorcycles, including WA and casco variants, providing liability and damage protection. Targeted at individual motorcycle owners in the Netherlands.
• Moped and Scooter Insurance (Brommer- en Scooterverzekering) Insurance coverage for mopeds, scooters, and speed pedelecs (snorfiets/bromfiets), including WA and additional coverage. Targeted at individual owners of two-wheeled vehicles.
• Caravan and Camper Insurance (Caravan- en Camperverzekering) Insurance coverage for caravans, campers, and folding trailers, including damage, theft, and liability. Targeted at individual Dutch owners of recreational vehicles.
• Bicycle Insurance (Fietsverzekering) Insurance coverage for bicycles and e-bikes including theft and damage protection. Targeted at individual Dutch bicycle owners.
• Boat Insurance (Bootverzekering) Insurance coverage for boats and watercraft including WA, theft, and damage protection. Targeted at individual Dutch boat owners.
• Car Inspection (Autokeuring) Vehicle inspection services (APK-keuring) at affiliated inspection stations. Targeted at Dutch vehicle owners needing periodic vehicle inspections.
• Mortgages (Hypotheken) Mortgage advisory and brokerage services for home purchases, refinancing, and buyouts. Targeted at Dutch consumers seeking home financing.
• Personal Loan (Persoonlijke lening) Personal loan product for individual borrowing needs, with fixed terms and interest rates. Targeted at Dutch consumers seeking personal financing.
• Real Estate Brokerage (Makelaardij) Real estate brokerage services including property listings, sales, and Funda-based marketing of homes. Targeted at Dutch consumers buying or selling residential property.
• Business Insurance (Zakelijke verzekering) Business-oriented insurance products for entrepreneurs and small businesses, including liability and vehicle fleet coverage. Targeted at Dutch self-employed professionals and small business owners.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves6 records

Expansion highlights5 records

Direct peers

• Pricewise: Dutch price-comparison and brokerage platform for insurance, energy, and financial products. Directly comparable to Fidus's intermediary role across personal lines (auto, home, travel, health) and consumer financial products, with overlapping target customers in the Netherlands.
• De Hypotheekshop: Dutch mortgage and insurance intermediary with a nationwide franchise branch network. Directly comparable to Fidus's combination of mortgage advisory with insurance brokerage and physical-branch distribution aimed at Dutch consumers purchasing homes.
• OHRA: Dutch direct insurer (part of Achmea) selling auto, home, health, and travel insurance directly to consumers. Comparable in product breadth across personal lines; competes with Fidus for the same Dutch retail customer but via a direct (non-broker) model.
• Univé: Dutch insurance cooperative offering personal and business lines (auto, home, health, liability) through a regional branch network with member-focused service. Comparable to Fidus in local presence, multi-line offering, and Dutch consumer/SMB target market.
• Independer: Dutch insurance and financial services comparison/intermediary platform that brokers personal lines insurance (auto, home, health, life) and mortgages. Highly comparable to Fidus in terms of multi-line product breadth and Dutch consumer focus, though distribution is digital-first rather than branch-based.
• Meeùs: Dutch insurance broker (part of Aon) providing personal and commercial lines through a branch-and-advisor network. Closely mirrors Fidus's multi-channel distribution model, multi-line product range, and emphasis on face-to-face advisory across the Netherlands.

Broad incumbents

• Nationale-Nederlanden: Major Dutch insurance group (part of NN Group) offering life, non-life, pensions, and banking products to Dutch consumers. Competes with Fidus across multiple personal-lines categories, but operates as a carrier at national scale rather than as a branch-based intermediary.
• Aon Netherlands: Global insurance and reinsurance broker with a substantial Dutch presence serving commercial and personal clients. Overlaps with Fidus in the Dutch insurance brokerage space but operates at much larger scale with a heavier commercial-lines focus.
• Centraal Beheer: Dutch direct insurer (part of Achmea) offering a broad personal-lines catalog (auto, home, travel, liability, legal). Comparable in product breadth and Dutch consumer focus; competes with Fidus via a direct-to-consumer model rather than branch-based advisory.
• Rabobank (Insurance & Mortgages): Major Dutch bank offering bundled mortgages, insurance, and financial advisory to consumers and SMBs. Comparable to Fidus's one-stop positioning across insurance + mortgages + loans, but at vastly larger scale and through a banking-anchored distribution model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key highlights6 records

Customer concentration

• Xx.com/verzekeruzelf

Compliance2 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 Verzekeruzelf.nl