What Finance & Insurance does

Finance & Insurance Trade Credit BV is an independent Dutch insurance broker and financial intermediary headquartered in Amsterdam. Founded in 1997 and majority-owned since 2018 by Germany's Ecclesia Group (and aligned with Specialist Risk Group), the firm sits between corporate clients and credit insurers, advising on and placing coverage against customer non-payment, political risk, and other trade-related risks. Its core offerings are four interconnected services: credit insurance, single-risk and political coverage (placed with Lloyd's and leading insurers for terms up to 8 years), working capital financing advisory, and debt collection (incasso). The firm has operated in the market for over 25 years and reports a portfolio of more than 800 clients with over 45 billion euros of turnover insured.

The company's go-to-market is relationship-driven rather than productized: it runs as a small specialist team (11–50 employees, named senior specialists per service line) that provides bespoke advisory rather than standardized products. It monetizes primarily through brokerage commissions on placements with credit insurers, factoring companies, and other capital providers, and to a lesser extent through ongoing advisory mandates. Pricing and deal economics are not publicly disclosed and are negotiated case-by-case according to client risk profile and coverage complexity. The proposition rests on independent broker status, senior-level practitioner expertise (much of the team previously held senior roles at leading credit insurers), and access to international capacity through the ICBA network (900 specialists across 50 countries, since 1999).

Strategically, the firm is in a measured expansion phase rather than a pivot. Recent moves include the 2009 launch of a working-capital-focused subsidiary (Finance & Insurance Working Capital), the 2018 majority sale to Ecclesia Group, a 2023 corporate rebrand and new website, and the 2023 appointment of a Commercial Director (Ivo Zernitz, hired from competitor Allianz Trade Nederland) tasked with commercial growth. The business has no disclosed proprietary technology, no mobile or web applications, no published APIs, and no documented AI or ML components — its value creation is human-specialist-driven, and any future AI opportunity would most naturally sit in credit-limit analytics, single-risk underwriting support, and debtor risk modeling rather than in the client-facing advisory flow.

Name

Finance & Insurance

Legal name

Finance & Insurance Trade Credit BV

Website

https://finance-insurance.nl

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

11–50 employees

Short description

Finance & Insurance Trade Credit BV is an Amsterdam-based independent Dutch broker advising on and placing credit insurance, single-risk/political coverage, working capital financing, and debt collection for more than 800 corporate clients.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Captive Insurance Advisory & Management (FSAEADAF)

akta.pro secondary industry

Supply Chain Finance (Trade Credit, PO/Inventory Financing) (FSAKAGAE)

Keywords

• Trade credit insurance
• Credit insurance brokerage
• Working capital financing
• Political risk insurance
• Debt collection services

Headquarters

HQ city

Amsterdam

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Brokerage Commission: Finance & Insurance acts as an independent broker/intermediary for credit insurance and financing solutions, earning commissions from insurance providers for placing client coverage. The company advises on optimal insurance terms and coverage, facilitating transactions between clients and insurers.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Finance & Insurance is an independent intermediary that advises Dutch businesses on credit insurance, single-risk and political coverage, working capital financing, and debt collection. The firm analyzes each client's risk profile, structures optimal coverage and financing arrangements, and places policies with credit insurers and at Lloyd's on the client's behalf, supported by the ICBA international broker network.

Product overview

Finance & Insurance operates as a single-product service company with multiple interconnected financial service offerings. The core portfolio consists of Credit Insurance, Single Risk and Political Coverage, Working Capital Financing, and Debt Collection services. Finance & Insurance Working Capital, launched in 2009, specializes in flexible financing solutions. These services are designed to work together: credit insurance protects against non-payment while enabling easier financing access; the company advises on optimal financing structures; and debt collection handles receivables management. The company serves more than 800 clients across various industries, insuring over 45 billion euros in turnover.

Differentiator

Problem solved

Functional benefit

Products and services

• Credit Insurance (Kredietverzekering) Insurance brokerage product that protects businesses against non-payment by customers, covering both economic and political risks. Includes proactive alerts on customer payment problems and creditworthiness checking of prospective buyers. Targeted at Dutch businesses with material accounts receivable.
• Single Risk and Political Coverage (Single Risk en Politieke Dekking) Customized insurance brokerage for special risks and long-term projects, covering political and non-payment risks with a maximum term of 8 years. Policies are placed at Lloyd's and the Special Products departments of leading insurers. Targeted at exporters and clients with large individual transactions.
• Working Capital Financing (Werkkapitaalfinanciering) Independent advisory brokerage for working capital financing based on assets such as accounts receivable, stocks, orders, machinery, or other business assets. Focuses on finding optimal financing structures. Targeted at Dutch businesses seeking flexible financing solutions.
• Debt Collection (Incasso) Brokerage-led collection services for receivables from defaulting customers, both domestically and internationally. Works with collection specialists who approach debtors by phone and visit if necessary, reducing the need for legal proceedings. Targeted at businesses experiencing customer payment defaults.
• Finance & Insurance Working Capital Specialized division of Finance & Insurance that advises clients on attracting and structuring flexible working capital. Acts as a dedicated sub-brand within the firm for working capital advisory.

Quantifiable outcome

• 45 billion euros in turnover insured for clients
• +1 more outcomes

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core, major and minor.

• ICBA (International Credit Brokers Alliance)coreStrategic or Co-development Partner · 1 January 1999Finance & Insurance became a partner in ICBA in 1999 to provide optimal support to internationally operating clients. ICBA is the world's third-largest network of independent brokers in trade credit insurance and political risk insurance, with 900 specialist brokers in 50 countries serving more than 30,000 policies. All member brokers operate in the market's top tier and follow the ICBA code of conduct.
• Lloyd'smajorStrategic or Co-development PartnerSingle risk policies are placed at Lloyd's for covering special risks and long-term projects. The company has a proven track record with leading Dutch exporters for single-risk transactions up to 8-year terms.
• Allianz Trade NederlandminorStrategic or Co-development PartnerFormer employer of commercial director Ivo Zernitz before joining Finance & Insurance. The company maintains industry relationships with leading credit insurers including Allianz Trade.

Scale indicators6 records

Recent moves8 records

Expansion highlights5 records

Direct peers

• MeesRisicobeheer: Dutch specialty broker focused on credit insurance and receivables management. Directly comparable niche competitor in the Netherlands for SME and mid-market AR protection.
• Atradius: One of the world's largest trade credit insurers, also operating broker-style distribution. Competes with Finance & Insurance for the same Dutch SME/mid-market accounts receivable insurance book.
• Allianz Trade (formerly Euler Hermes): World-leading trade credit insurer and a competitor in the Dutch market. The firm also recruits senior talent from Allianz Trade (Ivo Zernitz), underlining direct competitive overlap.
• Coface: Global trade credit insurer and credit information provider with significant Dutch presence. Directly addresses the same accounts-receivable protection problem Finance & Insurance brokers.

Broad incumbents

• Marsh: Large diversified insurance broker with a credit specialties unit. Overlaps with Finance & Insurance in trade credit and political risk placements for larger Dutch corporates.
• Lockton: Independent global insurance broker with a sizable credit and political risk team. Comparable to Finance & Insurance as a privately-held, relationship-led specialty risk broker.
• Willis Towers Watson (WTW): Global risk advisory and brokerage firm with a credit and political risk practice that competes for mid-market and large Dutch trade credit insurance placements.
• Aon: Global insurance brokerage powerhouse with a credit and political risk practice. Competes with Finance & Insurance across enterprise accounts in the Netherlands while serving a much broader risk advisory mandate.
• Gallagher: Large global brokerage group with a trade credit and political risk practice that competes for cross-border and Dutch mid-market client work.

Emerging players

• Howden: Fast-growing independent specialty broker with a credit and political risk offering in Europe. Comparable model — independent, specialty-led — and increasingly visible competitor in Dutch trade credit placements.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

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 Finance & Insurance