What Value Finance does

Value Finance GmbH is an independent financial advisory and brokerage firm headquartered in Hamburg, Germany. The company is registered as a Versicherungsmakler (insurance broker) under §34d of the German Trade Regulation and as a Finanzanlagenvermittler (investment fund distributor) under §34f, and operates as a commercial broker pursuant to §93 HGB. Its primary customer segment is private individuals in Germany seeking independent advice on insurance and investment products; a secondary segment targets retiring insurance and financial advisors (Makler) seeking to transfer and refine their client portfolios. The company is led by managing director (Geschäftsführer) Marc Ogiermann and operates with 1–10 employees.

The core product surface combines personal advisory with a digital interface delivered through the Vinlivt finance app, which aggregates accounts, tracks transactions, manages insurance policies, and stores financial documents in one place. Value Finance supplements this with a curated partner ecosystem — Softfair (comparison), Netfonds (fund distribution), Morningstar (research data), Fondskonzept (fund services), and FbXpert (advisory software) — enabling access to the broader German insurance and fund market rather than proprietary product manufacturing. The company emphasizes non-call-center, direct advisor access and a free, non-binding initial consultation as its entry point.

The revenue model is primarily commission-based: insurance carriers pay brokerage commissions on placed policies, and investment fund providers pay commissions on distributed funds. The company also offers fee-based consulting as an alternative compensation structure. Distribution is direct-to-consumer via the website, blog, and organic social channels (YouTube, Instagram, LinkedIn), supplemented by a Vertriebspartner referral program. Pricing details beyond the free initial consultation are not publicly disclosed, and no revenue, ARR, or funding figures are available.

Name

Value Finance

Legal name

Value Finance GmbH

Website

https://valuefinance.de

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

1–10 employees

Short description

Value Finance GmbH is a Hamburg-based, independent German financial advisory and brokerage firm offering insurance and investment fund advice to private individuals, combining personal consultation with the Vinlivt digital finance app and a curated partner ecosystem.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Portfolio Management and Investment Advice (523940), Finance and Insurance (52)

SIC

Finance Services (6199)

akta.pro primary industry

Private Banking Advisory & Discretionary Portfolio Management (FSABADAD)

Keywords

• Financial advisory services
• Insurance brokerage
• Investment fund distribution
• Wealth management advisory
• Financial planning services

Headquarters

HQ city

Hamburg

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission: Value Finance acts as a Versicherungsmakler (insurance broker) and receives commissions from insurance companies for policies placed. This is disclosed as commission included in insurance premiums.
2. Investment Fund Commission: As a Finanzanlagenvermittler (investment fund distributor) registered under §34f GewO, the company earns commissions from investment fund providers.
3. Client-Fee Based Consultation: The company also offers fee-based consulting services with explicitly agreed-upon payments by clients, providing an alternative to commission-based models.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Value Finance GmbH provides independent financial advisory and brokerage services as a registered Versicherungsmakler (insurance broker) under §34d GewO and Finanzanlagenvermittler (investment fund distributor) under §34f GewO. The firm offers personalized financial planning, insurance brokerage, and investment fund distribution, combining FinTech-powered portfolio management through the Vinlivt app with traditional personal advisory delivered through dedicated account managers.

Product overview

Value Finance is an independent financial advisory and brokerage firm (Versicherungsmakler / Handelsmakler) based in Hamburg, Germany. The core offering is personalized, technology-enabled financial and insurance advisory, combining FinTech-powered portfolio management with traditional relationship-based consulting. The primary digital product is the Vinlivt finance app (offered via partnership), which serves as the all-in-one platform for clients to manage accounts, insurance policies, and financial documents. Advisory services span insurance brokerage, investment fund distribution, and broader financial planning.

Differentiator

Problem solved

Functional benefit

Brands

• Mehrwert Mensch: A company focused on corporate health management and employee wellness, co-founded by Value Finance CEO Marc Ogiermann. Provides workplace health promotion services for medium-sized companies.

Products and services

• Insurance Brokerage Services (Versicherungsmakler)

Quantifiable outcome

• 100% Customer Satisfaction - Company commits to 100% satisfaction standard

Named customers4 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature2 records

Partnerships

One partnership is on record.

• VinlivtcoreTechnology or IntegrationVinlivt is a key technology partner providing the financial app platform that Value Finance uses for its digital services. The Vinlivt app allows customers to connect accounts, manage insurance policies, track transactions, and access a comprehensive all-in-one financial management solution. Value Finance references users to the Vinlivt app for digital financial management.

Scale indicators1 record

Recent moves5 records

Expansion highlights5 records

Direct peers

• Trade Republic: Germany's largest retail investment platform with broker and savings-plan offerings. Comparable in target customer (digitally-native German retail investors) and product category (investment fund/brokerage distribution), though operating at very different scale.
• Quirion: German robo-advisor offering digital portfolio management to retail clients. Directly comparable in providing technology-enabled investment advisory to German retail customers with independent product access.
• Liqid: German digital wealth manager focused on HNW and mass-affluent segments with discretionary portfolio management. Directly comparable in offering technology-enabled portfolio management with personal advisory to German clients.
• Whitebox: German fee-based robo-advisor offering transparent, science-driven portfolio management. Comparable as an independent, technology-enabled investment advisor serving German retail customers, with a stronger pure-fee orientation.
• Honorarfinanz AG: German association/platform for fee-only financial advisors (Honorarberater). Directly comparable in offering independent financial advisory in Germany, with a stricter fee-only orientation versus Value Finance's commission hybrid model.
• Scalable Capital: Leading German digital wealth management platform offering robo-advisory and brokerage services. Comparable to Value Finance as a hybrid digital/independent advisory player serving German retail investors, though with materially more scale and capital.
• Ginmon: German digital wealth management platform providing automated investment advisory and portfolio management. Comparable in combining digital tools with regulated investment advisory services for German retail clients.

Broad incumbents

• CHECK24: Germany's leading insurance and financial product comparison platform with brokerage services. Comparable in distributing insurance and investment products to German retail consumers, but operates as a scaled comparison/aggregator rather than a personalized advisory firm.
• Deutsche Vermögensberatung (DVAG): Germany's largest independent financial advisory network with broad insurance, investment, and financing offerings. Comparable in serving German retail customers with independent advisory across insurance and investment products, though with a much larger distributed advisor force.
• MLP SE: Large established German financial advisory and banking group serving retail and SME clients across insurance, wealth, and financing. Comparable in providing independent advisory across insurance and investments, though at much greater scale and breadth.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@ValueFinanceGmbH
• Instagraminstagram.com/valuefinancegmbh
• Xx.com/valuefinance4u
• Facebookfacebook.com/profile.php
• LinkedInlinkedin.com/company/value-finance-gmbh

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 Value Finance