VMD Koster

What VMD Koster does

VMD Koster Groep B.V. is a privately held Dutch insurance advisory and brokerage firm headquartered in Alphen aan den Rijn. The firm advises on and intermediates in financial services and insurance products across three core segments: businesses (business liability, cyber, D&O, professional indemnity, absenteeism, WIA/WGA), entrepreneurs (disability income protection, personal liability, key-person), and private individuals (home, auto, health, travel, life, mortgage). It also delivers risk-management advisory, pension advisory aligned with the Dutch 'Wet toekomst pensioenen' transition, and mortgage services through its wholly-owned subsidiary Freek Hypotheek. In September 2025 it added its own occupational health service, invita arbo, verticalizing the absenteeism and reintegration value chain for employer clients.

VMD Koster monetizes predominantly through insurance brokerage commissions and fees from product placement and ongoing policy administration, supplemented by advisory fees for pension scheme management and risk-management engagements; pricing is quote-based and not publicly disclosed. The go-to-market is sales-led and relationship-driven: customers are acquired via website quote forms, phone inquiries, and organic content (blogs/news), and then served through dedicated advisors across four physical offices in the Randstad (Alphen aan den Rijn, Bodegraven, Hoofddorp, and Rotterdam). A Klantmap web portal and Adviseur mobile app provide 24/7 document and claims access, integrated with the Anva insurance management system. As a member of the NLG Groep (ten independent advisors), the firm is positioned within the Dutch top-5 insurance advisors, granting collective negotiating leverage with insurers. Ownership is described as a collegiate family business with no institutional or PE backing.

Name

VMD Koster

Legal name

VMD Koster Groep B.V.

Website

https://vmdkoster.nl

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

51–100 employees

Short description

VMD Koster is an independent Dutch insurance advisory and brokerage firm serving SMBs, entrepreneurs, and private individuals across the Randstad region with insurance, risk management, pension, and mortgage advisory services, operating from four offices as part of the NLG Groep.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Captive Insurance Advisory & Management (FSAEADAF)

Keywords

• Insurance brokerage services
• Risk management advisory
• Pension advisory services
• Business insurance advisory
• Financial planning advice

Headquarters

HQ city

Alphen Aan Den Rijn

HQ country

Netherlands

HQ region

Europe

Offices7 records

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. Insurance brokerage and advisory commissions: VMD Koster advises on and intermediates in financial services and products. Revenue is generated through commissions from insurance providers and financial product issuers for policies placed and maintained. The firm also earns fees for pension scheme management and risk management advisory services.

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

VMD Koster is an independent insurance advisory firm that advises on and intermediates in insurance, pension, risk management, and mortgage products for businesses, entrepreneurs, and private individuals. The firm compares offerings across multiple insurers and financial product issuers, manages policies, supports claims, and provides ongoing portfolio reviews. Core services span business liability, professional indemnity, D&O, cyber, absenteeism, health, car, home, travel, and life insurance, complemented by occupational health services via invita arbo and mortgage advisory via Freek Hypotheek.

Product overview

VMD Koster is an independent insurance advisory firm operating as a single integrated service offering, not a modular platform. The core portfolio encompasses insurance advisory services across personal (particulier), business (bedrijven), and entrepreneur (ondernemers) segments, complemented by risk management advisory, pension advisory, and mortgage services (via subsidiary Freek Hypotheek). Key product lines include business liability insurance (Bedrijfsaansprakelijkheid), professional indemnity/BAV, D&O liability, cyber insurance, health insurance, absenteeism insurance (Verzuimverzekering), WIA/WGA coverage, disability insurance (AOV), transport insurance, and travel insurance. Digital service offerings include the Klantmap customer portal and Adviseur App for policy management. The company also operates invita arbo, its proprietary occupational health service subsidiary launched in September 2025.

Differentiator

Problem solved

Functional benefit

Brands

• Freek Hypotheek: Hypothecary services provider operating under VMD Koster Groep, with locations in Alphen aan den Rijn and Bodegraven

Products and services

• Insurance Advisory (Verzekeringen) Advisory services for personal, business, and entrepreneur insurance including motor, property, liability, health, travel, and contents coverage, comparing multiple insurers to find appropriate coverage.
• Risk Management (Risicobeheer) Risk analysis, advice, and prevention services to identify, limit, and manage financial and operational risks for businesses and individuals.
• Pension Advisory (Pensioenadvies) Independent pension advice and management services for employers, entrepreneurs, works councils, and private individuals, including collective pension schemes and Wet toekomst pensioenen compliance.
• Absenteeism Insurance (Verzuimverzekering) Insurance coverage for employee sickness absence costs, salary continuation reimbursement, and reintegration support services for Dutch employers.
• Business Liability Insurance (Bedrijfsaansprakelijkheidsverzekering) Coverage for damage caused to persons or material things by company employees or operations.
• Professional Indemnity Insurance (Beroepsaansprakelijkheidsverzekering / BAV) Coverage for financial damages from professional errors, incorrect advice, or negligence, especially for consultants, IT companies, accountants, lawyers, architects, and other professional service providers.
• Directors and Officers Liability Insurance (Bestuurdersaansprakelijkheidsverzekering / D&O) Protection for directors, supervisors, and commissioners against personal liability claims for alleged or actual wrongful acts in managing an organization.
• Cyber Insurance (Cyberverzekering) Coverage for cyber incidents including malware attacks, electronic data breaches, hacking attempts, ransomware, and related crisis management costs.
• Disability Insurance for Entrepreneurs (AOV/BAZ) Insurance coverage for entrepreneurs against loss of income due to occupational disability.
• WIA and WGA Insurance (Work Capacity Insurance) Dutch mandatory insurance coverage for employees unable to work after two years of sickness, including WIA minimum level, WGA gap, and WIA excedent insurance.
• Health Insurance Advisory (Zorgverzekering) Advisory services for Dutch health insurance including mandatory basic package, collective arrangements for employers, and supplemental coverage options.
• Freek Hypotheek (Mortgage Advisory) Mortgage advisory services under VMD Koster Groep, offering independent mortgage advice and long-term relationship management for home purchases and modifications.
• invita arbo (Occupational Health Service) Proprietary occupational health service providing sickness absence management, reintegration support, prevention services, and Dutch absence legislation compliance.
• Klantmap (Customer Portal) Online customer portal for viewing policies, documents, invoices, and claims information with account management and document access capabilities.
• Adviseur App Mobile application for iOS and Android providing policy access, document viewing, and direct communication with advisors through the 'Mijn VMD Koster' feature.

Named customers3 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

Feature2 records

Partnerships

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

• NLG Groep (Noordeloos Groep)coreStrategic or Co-development PartnerVMD Koster is a member of NLG Groep, a collaboration of ten independent insurance advisors in the Netherlands. The partnership enables collective negotiation with insurers for improved terms and competitive premiums, joint investment in automation and IT infrastructure, and knowledge sharing. Together, the members belong to the top-5 insurance advisors in the Netherlands.
• Freek HypotheekcoreStrategic or Co-development PartnerFreek Hypotheek is a mortgage advisory service whose branches in Alphen aan den Rijn and Bodegraven are part of the VMD Koster Group. Freek provides independent, long-term mortgage advisory services, comparing all providers in the market.
• invita arbomajorStrategic or Co-development PartnerVMD Koster works closely with invita arbo, a specialist occupational health service provider. Invita arbo supports employers with absence management, reintegration, prevention, and Dutch employment legislation compliance. VMD Koster refers its business clients to invita arbo for occupational health services as part of a comprehensive absence management offering.
• Millenaar AdviesgroepminorStrategic or Co-development PartnerVMD Koster maintains an office at Kruisweg 652, 2132 CJ Hoofddorp, operated under the Millenaar Adviesgroep partnership arrangement.

Scale indicators4 records

Recent moves8 records

Expansion highlights5 records

Others

• Freek Hypotheek (parent/group context): Independent Dutch mortgage advisory franchise whose Alphen aan den Rijn and Bodegraven branches sit inside the VMD Koster Groep. Comparable as an in-group mortgage peer and useful benchmark against broader Dutch mortgage advisor networks.
• NLG Groep (Noordeloos Groep): Collaboration of ten independent Dutch insurance advisors, of which VMD Koster is a member. Comparable as a strategic alliance peer rather than direct competitor; useful benchmark for collective purchasing power and joint infrastructure.

Broad incumbents

• Rabobank Insurance Services: Rabobank's in-house insurance and risk advisory offering for Dutch SMB and private clients, often delivered via partner brokers. Comparable incumbent in the same Dutch SMB and consumer insurance market with bundled financial services distribution.
• Marsh Netherlands: Major global insurance broker and risk advisor operating in the Netherlands, serving mid-market and large corporates with insurance placement, risk consulting and claims services. Overlaps directly with VMD Koster's commercial insurance and risk management offerings, with broader geographic and segment reach.
• Aon Netherlands: Global insurance and risk advisory firm with a substantial Dutch practice offering commercial insurance brokerage, risk management and pension advisory. Comparable as a broad incumbent overlapping VMD Koster's full-service advisory proposition, but at much larger national and enterprise scale.

Direct peers

• Van Kampen Groep: Independent Dutch insurance advisory group with offices across the Randstad, providing business and private insurance plus risk and pension advice. Highly comparable mid-sized independent broker competing in the same Dutch regional footprint.
• MeesRisicobeheer: Independent Dutch risk management and insurance advisory firm focused on mid-market companies, offering commercial insurance, risk analysis and pension advisory. Directly comparable in target customer (Dutch SMB/mid-market) and advisory-led model.
• Klap Verzekeringsmakelaar: Independent Dutch insurance broker serving business and private clients with a personal advisory approach across multiple lines including liability, property and pension. Comparable in independent, multi-line, advisor-led positioning targeting Dutch SMB and consumers.
• Voogd & Voogd Verzekeringen: Large independent Dutch insurance broker and risk advisor serving both business and private clients across multiple offices. Closely comparable to VMD Koster in independent advisory positioning, multi-line offering (commercial, private, risk, pension) and regional branch model.

Emerging players

• De Hypotheker: Largest independent Dutch mortgage advisory franchise network. Comparable for the mortgage advisory arm of VMD Koster's offering (via Freek Hypotheek), competing for the same consumer mortgage customers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/vmd-koster-verzekeringsgroep
• Xx.com/KOSTERNL
• Facebookfacebook.com/VMDKOSTER

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 VMD Koster