Hillewaere Verzekeringen

What Hillewaere Verzekeringen does

Hillewaere Verzekeringen, legally Hillewaere Insurance NV, is a Belgian insurance brokerage firm operating as part of the privately held Hillewaere Groep conglomerate founded and led by CEO Roel Druyts. Tracing its origins to 1937 and headquartered in Heule with operational offices across Flanders and Limburg, the firm serves both individual consumers and businesses through a network of more than 30 branch offices. As an insurance intermediary, Hillewaere advises clients on risk and places coverage with carriers, earning commissions, with financial planning services for personal and corporate clients acting as a complementary revenue stream. The legal entity is registered in Belgium under RPR Antwerpen, division Turnhout (company number 0891.695.561) and operates under FSMA supervision as a registered insurance intermediary.

The company's product portfolio spans liability, hospitalization, wealth building, cybersecurity, mobility (vehicles and fleets), patrimony/property, and legal protection insurance, structured around three primary client entry points — Onderneming (enterprise), Ondernemer (entrepreneur/self-employed), and Gezin (individuals/families) — alongside dedicated sub-brands for medical professionals, freelancers, and sector-specific verticals including construction, hospitality, IT, non-profit, and transport. The "Hillewaere Wingman" advisory positioning and "Premium Collections" jewelry/collectibles offering extend the firm into employee benefits support and high-net-worth individual protection respectively.

Hillewaere's go-to-market is sales-led and physical-distribution-heavy, relying on direct face-to-face advisory through branch offices (Kortrijk, Turnhout, Gent, Hasselt, Genk, and others) supplemented by online contact forms, appointment booking, and a self-service customer portal (Klantenzone). Since March 2022, Hillewaere Groep has pursued an aggressive roll-up strategy, acquiring 30 insurance offices across Flanders and adding André Colson Verzekeringen and Zakenkantoor Habraken in 2024 to establish itself as the largest insurance broker in Limburg province. The firm shows no disclosed technology platform, proprietary AI capability, or external funding — growth is funded organically and through continued tuck-in acquisitions within the Belgian brokerage market.

Name

Hillewaere Verzekeringen

Legal name

Hillewaere Insurance NV

Website

https://cambien.be

Company type

Private

Founded year

1937

Operating status

Operating

Headcount range

11–50 employees

Short description

Hillewaere Verzekeringen is a Belgian insurance brokerage serving individuals, families, and businesses through 30+ physical branch offices across Flanders and Limburg, offering liability, health, mobility, property, and legal protection coverage via personalized advisory under Hillewaere Groep.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

akta.pro secondary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

Keywords

• Insurance brokerage services
• Commercial insurance solutions
• Personal insurance coverage
• Financial protection planning
• Risk management advisory

Headquarters

HQ city

Heule

HQ country

Belgium

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: Hillewaere Insurance NV operates as an insurance brokerage firm (verzekeringsmakelaar), generating revenue through commissions earned on insurance policies placed with insurance carriers. As an intermediary, the company advises clients and places insurance coverage, earning commissions or fees from insurers. The company also generates revenue from financial planning services for both personal and business clients.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Hillewaere Insurance NV operates as an insurance brokerage (verzekeringsmakelaar) placing insurance coverage with carriers on behalf of clients. The firm offers a comprehensive portfolio spanning liability, hospitalization, wealth building, cybersecurity, mobility, property/patrimony, and legal protection insurance, supported by sector-specific packages for construction, hospitality, IT, non-profit, and transport sectors. Advisory is delivered in-person across a network of regional offices throughout Belgium, anchored by a 'Hillewaere Wingman' personal advisory concept.

Product overview

Hillewaere Verzekeringen is an insurance brokerage firm offering a comprehensive portfolio of insurance products and services for both individuals (gezinnen/particulieren) and businesses (ondernemingen). The company operates as a unified platform providing liability insurance, hospitalization coverage, wealth building solutions, cybersecurity insurance, mobility/vehicle insurance, property/heritage insurance, and legal protection insurance. The firm serves multiple sectors including construction, hospitality, IT, non-profit organizations, and transport/fleet businesses. Their service model centers on personalized advisory through their 'Hillewaere Wingman' concept, delivering tailored insurance solutions through a network of regional offices across Belgium.

Differentiator

Problem solved

Functional benefit

Brands

• Hillewaere Wingman: Employee benefits and wellness partner program referenced as 'Uw Wingman' providing support services to clients.
• Premium Collections

Products and services

• Liability Insurance (Aansprakelijkheidsverzekering) Insurance coverage protecting businesses and individuals against claims arising from bodily injury, property damage, or professional negligence.
• Hospitalization Insurance (Hospitalisatieverzekering) Health insurance coverage for medical expenses related to hospital stays, treatments, and related healthcare services, available to entrepreneurs and individuals.
• Wealth Building (Vermogensopbouw) Financial planning and investment insurance products designed to help clients build and grow their wealth over time.
• Cybersecurity Insurance (Cyberveiligheidsverzekering) Insurance protection against cyber risks, data breaches, and digital threats for businesses.
• Mobility Insurance (Mobiliteitsverzekering) Vehicle and transportation insurance covering cars, fleets, and mobility-related risks for both personal and business clients.
• Property/Heritage Insurance (Patrimoniumverzekering) Insurance coverage for real estate properties, valuables, and personal/business assets.
• Legal Protection Insurance (Rechtsbijstandverzekering) Insurance providing coverage for legal expenses, assistance, and representation in legal matters.
• Hillewaere Wingman Personal advisory and support service offering customized insurance solutions and ongoing client assistance, including employee benefits and wellness partner program.
• Sector-specific Insurance Packages Specialized insurance packages tailored for specific industries including construction, hospitality, IT, non-profit, and transport sectors.
• Premium Collections Premium insurance collections for families, featuring jewelry protection services.

Named customers1 record

Segments9 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered minor.

• André Colson VerzekeringenminorChannel Partner/ Reseller/ Distributor · 1 January 2024André Colson Verzekeringen is a Limburg-based insurance broker that was acquired and integrated into Hillewaere Groep. This acquisition was part of Hillewaere Groep's strategy to expand its presence in Limburg province, contributing to its position as the largest insurance broker in the region.
• Zakenkantoor HabrakenminorChannel Partner/ Reseller/ Distributor · 1 January 2024Zakenkantoor Habraken is a Limburg-based insurance broker that was integrated into Hillewaere Groep alongside André Colson Verzekeringen. The dual acquisition strengthened Hillewaere Groep's market leadership in Limburg province.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Marsh Belgium: Belgian arm of Marsh McLennan, providing insurance brokerage and risk advisory to large corporate clients. Comparable as a brokerage operating in Belgium with corporate/commercial focus, though it competes primarily at the enterprise end of the market.
• Aon Belgium: Belgian operation of Aon, offering insurance brokerage, risk management, and reinsurance services. Comparable in business model and product breadth but operates at significantly larger scale and with a primarily enterprise client base.
• Willis Towers Watson Belgium: Belgian branch of WTW providing insurance brokerage and advisory services. Comparable as a global brokerage with Belgian presence and corporate risk focus, though with a different geographic footprint and client mix.

Direct peers

• Vanbreda & Co: Belgium's largest independent insurance broker and risk consultant, serving both corporate and private clients across the country. Highly comparable to Hillewaere as a domestic, multi-line brokerage with sector specialization and a similar intermediary-only model.
• Concordia: Belgian insurance broker operating across Flanders and Wallonia with multi-line offerings for individuals and businesses. Closely comparable to Hillewaere in scale, Belgian market focus, and intermediary brokerage model.
• Federated Insurance Group: Belgian insurance group offering brokerage and risk advisory services to both retail and commercial clients. Comparable to Hillewaere as a domestic, multi-line intermediary with similar customer segmentation.

Regional players

• Ethias: Belgian mutual insurer and direct distributor offering retail and commercial insurance products across Belgium. Comparable in Belgian geographic focus and multi-line offerings, though Ethias underwrites risk directly rather than acting purely as an intermediary.
• DVV Insurance: Insurance brand of Belfius Bank serving Belgian retail and small-business clients via tied agents and brokers. Comparable in Belgian market positioning and retail/commercial dual focus, though owned by a larger banking group.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/cambien-verzekeringen

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries2 records

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 Hillewaere Verzekeringen