JRB. Finanz

What JRB. Finanz does

JRB. Finanz GmbH is an independent financial advisory firm headquartered in Hoyerswerda, Saxony, Germany, serving over 2,300 private and commercial clients ("Mandanten") across Saxony since approximately 1995. The firm operates as a multi-line independent intermediary (Finanzberater und Finanzdienstleister) representing client interests vis-à-vis insurance companies, banks, and investment companies. Its core advisory offerings span four product areas: Versicherung (private and commercial insurance including household, liability, residential building, commercial liability, property, motor vehicle, and occupational pensions), Finanzierung (construction financing, machinery/equipment leasing, and private and commercial credit), Kapitalanlage (investment depot setup, asset management, building society contracts, with stated active risk control), and Immobilien (real estate, listed as forthcoming). The firm also provides ancillary services including a damage claim reporting workflow and a 24-hour emergency hotline for existing clients.

The technology stack is light: a WordPress-based marketing website (jrb-finanz.com) with SSL/TLS encryption, social media presence on Facebook and Xing, and a third-party customer portal (KSC Invedaweb) providing depot access for clients to view issuer and fund lists. The firm has a wholly-owned branch (Zweigniederlassung) in Wittichenau opened in 2017 and relocated its main headquarters to Straße am Lessinghaus 6, 02977 Hoyerswerda on March 3, 2025. Ownership is concentrated among managing shareholders, with Michael Köhler serving as geschäftsführender Gesellschafter; the firm previously operated as JRB Finanz AG under founder Jens R. Britschka.

Revenue mechanics are commission-based: the firm earns referral/affiliate commissions from insurance companies, banks, and investment companies for placing and servicing client policies and financial products. Distribution is sales-led and direct — in-office and remote consultation, with non-binding initial meetings ("unverbindlicher Gesprächstermin") as the primary conversion mechanism, supplemented by educational content marketing and social channels. The firm does not publicly disclose revenue, pricing, or headcount details beyond the 11–50 employee band.

Name

JRB. Finanz

Legal name

JRB. Finanz GmbH

Website

https://jrb-finanz.com

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

11–50 employees

Short description

JRB. Finanz GmbH is an independent financial advisory firm in Hoyerswerda, Saxony, serving over 2,300 private and SMB clients with cross-line advisory in insurance, financing, capital investment, and forthcoming real estate services via commission-based intermediary relationships with banks and insurers.

Ownership category

akta.pro rank

Product category

Independent Financial Advisory Services

NAICS

Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523)

SIC

Loan Brokers (6163)

akta.pro primary industry

Fee-Only Advisory (FSAEAAAL)

Keywords

• Financial advisory services
• Insurance brokerage
• Capital investment advisory
• Commercial financing solutions
• Independent financial advisor

Headquarters

HQ city

Hoyerswerda

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, Infrastructure

Revenue model

1. Financial Advisory Commissions: The firm earns commissions from insurance companies, banks, and investment companies for referring and advising clients on financial products including insurance, financing, capital investments, and real estate. As an independent advisor, they receive referral fees and potentially trail commissions from product providers.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

JRB. Finanz is an independent financial advisory firm that intermediates insurance, financing, and capital investment products for private and business clients across Germany. Core offerings include private and commercial insurance brokerage (household, liability, residential building, commercial liability, property, motor vehicle, occupational pension), financing solutions (construction financing, equipment leasing, private and commercial credit, Bauspar contracts), and capital investment advisory (investment depot setup, asset management, ETF savings plans, Rürup contracts). Revenue is earned via commissions from product providers rather than fees charged directly to clients.

Product overview

JRB. Finanz is an independent financial advisor and financial services provider offering a comprehensive portfolio of insurance, financing, and capital investment services. The company operates as a single unified advisory practice rather than a platform-based architecture. Its core offerings include Versicherung (insurance advisory for private and business clients covering household, liability, building, motor vehicle, and company pension insurance), Finanzierung (financing solutions including construction financing, leasing, and commercial financing), Kapitalanlage (capital investment services including investment depot setup and asset management), and Immobilien (real estate services, announced as forthcoming). Additional services include a customer depot access portal and damage claim reporting. The company serves over 2,300 clients as an independent advisor representing client interests against insurance companies, banks, and investment firms.

Differentiator

Problem solved

Functional benefit

Products and services

• Versicherung (Insurance Advisory)

Quantifiable outcome

• Über 2300 Mandanten vertrauen unseren Experten seit 25 Jahren

Named customers1 record

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Three partnerships are on record, tiered core.

• Insurance CompaniescoreChannel Partner/ Reseller/ DistributorJRB Finanz serves as an independent intermediary representing client interests against various insurance companies. They offer products from multiple insurance providers to find optimal coverage for clients.
• BankscoreChannel Partner/ Reseller/ DistributorPartnership with banking institutions for financing solutions including construction loans and other credit products. Firm benefits from favorable partner conditions to offer competitive rates to clients.
• Investment Companies (Kapitalanlagegesellschaften)coreChannel Partner/ Reseller/ DistributorCollaboration with investment companies for capital investment products including ETFs, funds, and retirement investment vehicles such as Rürup contracts.

Scale indicators2 records

Recent moves7 records

Expansion highlights4 records

Others

• Deutsche Vermögensberatung (DVAG): Germany's largest independent financial advisory network, distributing insurance, banking, and investment products via a tied-advisor structure. Comparable as a large-scale German multi-product intermediary serving private clients with insurance, financing, and capital-investment offerings.

Broad incumbents

• MLP SE: Publicly listed German financial advisory group offering insurance, financing, and wealth management to private and corporate clients across Germany. Comparable as a multi-product independent financial advisor with overlapping service pillars (insurance, financing, capital investment).
• HUK-COBURG Versicherungsgruppe: Large German insurance group offering personal lines, commercial, and life insurance through direct and broker channels. Comparable as a product-side incumbent whose products flow through independent advisors such as JRB. Finanz.
• OVB Holding AG: European cross-border financial advisory group providing insurance, financing, and investment products to households across multiple markets. Comparable as a multi-country independent intermediary with the same four-pillar advisory approach.
• Volkswohl Bund Versicherungen: German mutual insurance company offering life, pension, and property insurance through independent advisors and brokers. Comparable as a product-side incumbent partnering with advisors like JRB. Finanz in distributing insurance products.

Direct peers

• Dr. Klein Privatkunden AG: German financial advisory firm specializing in financing (mortgages, personal loans) and insurance for private clients. Comparable independent advisor with overlapping product focus on Baufinanzierung and insurance distribution.
• Fonds Finanz Maklerservice GmbH: Major German broker pool for insurance and financial products, serving independent advisors with access to multiple insurers and investment providers. Directly comparable business model: multi-provider independent advisory intermediation.
• BCA AG: German broker pool providing product, technology, and back-office infrastructure to independent financial advisors and insurance brokers. Comparable as an enabler of independent multi-product advisory businesses similar in operating model to JRB. Finanz.
• Plansecur Management GmbH & Co. KG: German financial advisory firm providing insurance, investment, and financing solutions to private clients through a regional advisor network. Comparable multi-product independent advisor serving private households in Germany.
• tecis Finanzdienstleistungen AG (Swiss Life Select): German financial advisory organization (part of Swiss Life) providing insurance, financing, and capital investment products through tied advisors. Comparable independent intermediary model for private and SME clients.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/pages/JRB-Finanz-GmbH/207850515919452?fref=ts

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 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 JRB. Finanz