Selective Group

What Selective Group does

Selective Group (Selektive Gruppe) is a family-owned integrated financial services and real estate brokerage headquartered in Moers, Germany, operating since 1994 across the western Ruhr and Lower Rhine region through five branch offices in Moers, Duisburg, Neukirchen-Vluyn, and Langenfeld. The group is structured as two private limited companies under common family ownership — Selektive Immobilien Service GmbH (real estate brokerage and management) and Selektive Finanz- und Versicherungs-Partner GmbH (financing and insurance brokerage) — led by founder Klaus-Peter Lindenmann and, since November 2024, his son Alexander Lindenmann as co-Managing Director. Its core offering is a one-stop-shop combining property brokerage (sale, rental, vacation properties, management), construction financing brokerage (Baufinanzierung), property valuation under §194 BauGB, insurance brokerage, and capital investment advisory, with cross-sell economics demonstrated by roughly one in five real estate transactions accompanied by the group's own mortgage financing service.

The company makes money primarily through transaction-based commissions: 3-4% buyer plus up to 3-4% seller on purchase price for real estate sales; 2-3 months rent for rental contracts depending on lease length; and insurance commissions, with financing advisory offered free of charge as a customer-acquisition funnel. Distribution runs through the five physical branches, the selektive.de website, an ImmoScout24 Premium Partner listing, and active social media presence across Facebook, X, Instagram, LinkedIn, and Xing, supported by participation in regional trade fairs and content marketing. Select Group holds 32,632 registered customers, conducts approximately 168 consulting meetings and records 26,034 property exposé views per month, and has won Capital Magazine's Top Broker designation with best rating in both 2024 and 2025, alongside continuous ImmoScout24 Premium Partner (2018-2024) and BPA Premium Partner (2020-2024) status and DIN EN 15733 certification. The underlying technology is standard web infrastructure (Piwik analytics, Google Maps API, cloudimage.io); no proprietary AI/ML systems are disclosed, and operational differentiation rests on integrated service delivery, regional brand reputation, and appraiser-driven valuation accuracy (deviation of -0.33% between valuation and sale price, improved from -2.9% the prior year).

Name

Selective Group

Legal name

Selektive Finanz- und Versicherungs-Partner GmbH / Selektive Immobilien Service GmbH

Website

https://selektive.de

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

11–50 employees

Short description

Selective Group is a family-owned German integrated broker offering real estate brokerage, construction financing, and insurance services across the western Ruhr and Lower Rhine region through five branch offices, serving individual buyers, sellers, and commercial clients since 1994.

Ownership category

akta.pro rank

Product category

Real Estate Brokerage

NAICS

Offices of Real Estate Agents and Brokers (53121), Offices of Real Estate Agents and Brokers (531210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Real Estate Agents & Managers (For Others) (6531), Loan Brokers (6163)

akta.pro primary industry

Buyer Representation Services (BPAJAAAJ)

akta.pro secondary industry

Residential Investment Property Brokerage (SFR/Small Multifamily) (BPAJAAAE)

Keywords

• Real estate brokerage
• Construction financing
• Insurance brokerage
• Property valuation
• Commercial property

Headquarters

HQ city

Moers

HQ country

Germany

HQ region

Europe

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Real Estate Brokerage: Commission-based brokerage for property sales and rentals. For purchases: 3-4% from buyer and up to 3-4% from seller calculated from total purchase price and all related costs. For rentals: 2 months rent for contracts up to 2 years, 3 months rent for 2-5 year contracts.
2. Financial Advisory: Independent financing consulting services provided free of charge to purchase interest holders. The company selects from multiple lenders to find the most favorable offer.
3. Insurance Brokerage: Insurance check services and risk analysis as a core competency of the insurance broker, providing insurance solutions to protect against financial losses from certain events.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Selective Group operates an integrated real estate, financing, and insurance brokerage serving the western Ruhr and Lower Rhine regions of Germany. Its core services cover residential and commercial property sale, rental, valuation, and management; construction and mortgage financing arranged through multiple lenders; and insurance review and risk analysis for private and commercial clients. Property valuations follow §194 BauGB expert appraisals, with a reported -0.33% deviation between valuation and sale price.

Product overview

Selective Group operates as an integrated financial services company offering three interconnected core divisions: (1) Selektive Immobilien Service GmbH for real estate brokerage and management, (2) Selektive Finanz- und Versicherungs-Partner GmbH for financial and insurance products, and (3) property valuation services. The company functions as a holistic advisor combining real estate transactions, construction financing, insurance coverage, and capital investments under one roof. Key modules include Baufinanzierung (construction financing), Immobilienbewertung (property valuation), Versicherungs-Check (insurance review), Ferienimmobilien (vacation properties), Kapitalanlagen (capital investments), and Immobilienverwaltung (property management). The integrated model allows clients to receive coordinated advice across all three areas for property purchases, sales, and ongoing financial planning.

Differentiator

Problem solved

Functional benefit

Products and services

• Immobilien Service (Real Estate Brokerage and Management) Full-service real estate brokerage and management covering sale, rental, and management of residential and commercial properties, including domestic and international vacation properties, for private owners, investors, and commercial clients.
• Finanz- und Versicherungs-Partner (Financial and Insurance Brokerage) Financial and insurance brokerage providing construction financing, capital investments, insurance checks, risk analysis, and credit/business information for private and commercial clients in the Lower Rhine region.
• Baufinanzierung (Construction Financing) Mortgage and construction financing brokerage arranging loans from multiple lenders on behalf of property buyers, integrated with the group's real estate brokerage.
• Immobilienbewertung (Property Valuation) Professional property valuation services including §194 BauGB expert appraisals conducted by certified appraisers, used to determine market values for sale, purchase, financing, and insurance purposes.
• Versicherungs-Check (Insurance Review) Insurance review and risk analysis service identifying coverage gaps and recommending optimal insurance solutions to protect against financial losses from specific events.
• Ferienimmobilien (Vacation Properties) Brokerage of vacation and second-home properties domestically in Germany and abroad, including financing support for foreign property purchases.
• Kapitalanlagen (Capital Investments) Capital investment advisory for private clients, including real estate-based investment opportunities and sustainable investment products, integrated with the group's insurance and financing offerings.
• Immobilienverwaltung (Property Management) Property management services for residential and commercial real estate portfolios, covering operational and administrative management on behalf of owners.
• Bonitäts- und Wirtschaftsauskünfte (Credit and Business Information)

Quantifiable outcome

• Property valuation deviation of only -0.33% from actual sale price (previous year: -2.9%)
• +2 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature2 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Immobilienverband Deutschland (IVD)coreStrategic or Co-development PartnerIndustry association membership providing professional standards, continuing education programs, and industry certification. The company holds the IVD continuing education seal 2024 and is subject to IVD arbitration procedures for dispute resolution.
• Bundesverband Deutscher Versicherungskaufleute (BVK)coreStrategic or Co-development PartnerIndustry association for insurance professionals providing professional standards, training, and certification for insurance brokerage operations.
• ImmoScout24coreChannel Partner/ Reseller/ DistributorPremium partner and top broker on Germany's leading real estate portal. Multiple excellence seals from 2018-2024 demonstrate ongoing partnership quality and high listing volume.
• Niederrheinische Industrie- und HandelskammercoreStrategic or Co-development PartnerChamber of commerce for the Lower Rhine region providing regulatory oversight, professional licensing (including §34d and §34i GewO permits), and industry certification for both insurance and real estate operations.
• Kreis WeselminorStrategic or Co-development PartnerRegulatory oversight by the district administration for insurance brokerage activities.

Scale indicators9 records

Recent moves6 records

Expansion highlights3 records

Broad incumbents

• Postbank Immobilien: Bank-affiliated brokerage network leveraging Deutsche Bank parent for mortgage conversion. Comparable to Selective's integrated financing angle, but operating at significantly larger scale with bank-distributed leads.
• Sparkassen Immobilien: Real estate brokerage arm of the German Sparkassen banking group, with strong regional branch presence across Germany. Comparable integrated offering through local savings banks and significant market share in NRW municipalities.
• Wüstenrot Immobilien: German building society with property brokerage and financing arms. Directly comparable integrated home-finance-and-insurance offering, competing for the same first-time-buyer and investment-property customer segment.

Direct peers

• Re/Max Germany: Global franchise brokerage with a strong German franchise network in residential and commercial real estate. Comparable transaction-based model and regional presence, competing for the same buyer/seller pool in NRW.
• Dahler & Company: German brokerage specializing in premium residential and investment properties with offices across multiple German cities. Strong overlap in investment-property and integrated advisory offerings, with comparable regional branch economics.
• Engel & Völkers: German-headquartered international brokerage specializing in premium and investment properties with a franchise network. Comparable integrated service approach and target customer segment, though operating at greater scale and geographic breadth.
• Von Poll Immobilien: German full-service residential and commercial brokerage with integrated financial advisory services and a strong regional branch network. Directly comparable business model to Selective Group, with similar commission structure and premium positioning.

Emerging players

• McMakler: German digital-first brokerage combining online property search with local agent support. Competes for the same transaction volume in NRW but with a tech-led model that contrasts with Selective's branch-led approach.

Others

• ImmoScout24: Germany's leading real estate marketplace and a key channel partner for Selective Group (Premium Partner since 2018). Not a direct competitor but a critical ecosystem dependency and lead-generation infrastructure.

Regional players

• VR Banken / Geno Immobilien: Cooperative bank-affiliated regional brokerages (Volksbanken Raiffeisenbanken) with strong local presence in NRW. Directly compete for the same regional seller/buyer pool, leveraging member-customer relationships similar to Selective's local network.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/selektive
• Facebookfacebook.com/SelektiveGruppe
• LinkedInlinkedin.com/company/selektive
• Instagraminstagram.com/selektive.immobilien

Compliance4 records

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 Selective Group