Denk Verzekeringen & Financieringen

What Denk Verzekeringen & Financieringen does

Denk Verzekeringen & Financieringen BV is a privately held Dutch financial advisory and insurance brokerage firm headquartered at Mathenesserlaan 486, Rotterdam. The company operates under AFM license 12003737 and is registered with Kifid (300.001.341), holding Erkend Financieel Adviseur and NVF professional certifications. It serves two primary segments: individual consumers (particulier) across the Netherlands and small businesses / freelancers (zakelijk and ZZP) in Rotterdam and surrounding regions.

The firm's product portfolio spans more than 40 lines, including personal insurance (auto, home, contents, travel, liability, legal expenses, valuables, cyber, and accident), business insurance (building, business interruption, cyber, environmental, glass, machinery, reconstruction, and freelancer packages), mortgage advisory (starter, mover, remortgage, interest-rate comparison, and maximum-borrowing calculators), credit/loans, and financial planning including pension advisory. Products are sold individually or as bundled packages — the Pakketverzekering Wonen and ZZP Pakketverzekering consolidate multiple coverages under a single policy with discounts of up to 10%, creating cross-sell lock-in.

The business model is commission- and fee-based intermediation. The company operates as an independent advisor comparing multiple insurers and lenders, distributed through a hybrid channel: a website with online quote forms and self-service execution for standard products, combined with direct phone/email advisor engagement for complex advisory work such as mortgages and business insurance. Pricing is quote-based and not publicly disclosed. No headcount, revenue, funding, or M&A activity is reported in the available data, and no AI/ML capabilities, proprietary technology platform, or app is described; the core technology is stated as not disclosed.

Name

Denk Verzekeringen & Financieringen

Legal name

Denk Verzekeringen & Financieringen BV

Website

https://denkverzekeringen.nl

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Denk Verzekeringen & Financieringen BV is a Rotterdam-based, AFM-licensed independent insurance and mortgage brokerage offering personal, SME, and ZZP coverage plus mortgage advisory across the Netherlands via advisory and online self-service channels.

Ownership category

akta.pro rank

Product category

Insurance Brokerage & Financial Advisory

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Portfolio Management and Investment Advice (523940)

SIC

Insurance Agents, Brokers & Service (6411), Investment Advice (6282), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Captive Insurance Advisory & Management (FSAEADAF)

akta.pro secondary industries

Mid-Market Commercial Package (Package Policies) (FSAJAFAB), Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH), Vehicle Protection & Add-on Product Financing (Warranties, GAP, Service Plans) (FSAKADAL)

Keywords

• Insurance brokerage
• Mortgage advisory
• Personal insurance
• Business insurance
• Financial planning

Headquarters

HQ city

Rotterdam

HQ country

Netherlands

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance intermediation and advisory fees: The company earns revenue through commissions and fees for intermediating insurance products (auto, home, travel, business insurance) and providing financial advisory services. The company is licensed by AFM and offers advice and brokerage in financial services.
2. Mortgage advisory and arrangement fees: The company provides mortgage advice and arrangement services, earning fees for helping customers find appropriate mortgages with favorable terms and conditions. Services include guidance on mortgage types, refinancing, and interest rate options.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Denk Verzekeringen & Financieringen BV intermediates and advises on personal and business insurance products (auto, home, contents, travel, liability, legal, cyber, accident, business building, business interruption, disability, life, and more), provides independent mortgage advisory (starter, mover, remortgage, and rate comparison), and offers credit and financial planning including pension advice. The company operates under an AFM license enabling it to advise and mediate in financial services for both consumers and SMEs across the Netherlands.

Product overview

Denk Verzekeringen & Financieringen BV is a Rotterdam-based financial advisory and insurance brokerage offering a comprehensive portfolio of personal, business, and specialty insurance products alongside mortgage advisory and financing services. The core offering spans personal insurance (auto, home, travel, contents, valuables, liability, legal expenses, cyber, and accident insurance), business insurance (building, business interruption, liability, cyber, glass, machinery, environmental, reconstruction, and package policies), mortgage products (starter, mover, and remortgage advisory with annuity and linear options), credit and loan services, and financial planning including pension advisory. Products are offered both individually and as bundled packages (home insurance package and business package) providing discounts up to 10%. The company provides independent advisory services across all product categories with regulatory oversight from AFM.

Differentiator

Problem solved

Functional benefit

Products and services

• Particuliere Verzekeringen Overview category of personal insurance products for individual consumers including car, home, travel, contents, valuables, liability, legal expenses, cyber, and accident insurance.
• Autoverzekering Car insurance available in WA, WA Plus, and WA Casco tiers with optional add-ons for driver/passenger accident coverage, legal assistance, and roadside assistance.
• Woonhuisverzekering Home insurance covering structural damage to walls, roofs, floors, pipes, and attached structures caused by fire, lightning, storms, and water damage.
• Reisverzekering Travel insurance available as annual or short-trip policies with optional cancellation coverage, winter sports, and underwater sports add-ons.
• Inboedelverzekering Contents insurance covering household belongings against fire, theft, storm, and water damage with guarantee against underinsurance.
• Kostbaarhedenverzekering Valuables insurance covering art, antiques, jewelry, and instruments worldwide both inside and outside the home.
• Aansprakelijkheidsverzekering Liability insurance protecting families against claims from third parties for accidental damage caused by household members.
• Rechtsbijstandverzekering Legal expenses insurance covering attorney costs and legal procedures, available as family legal aid or motor legal aid.
• Cyberverzekering (Particulier) Personal cyber insurance covering digital extortion, identity fraud, privacy breaches, and providing IT expert assistance for data recovery.
• Pakketverzekering Wonen Home insurance package combining home, contents, liability, legal expenses, accident, travel, and car insurance with discounts up to 10%.
• Zakelijke Verzekeringen Business insurance products for companies, employees, and entrepreneurs including building, damage, pension, and specialized business coverages.
• Bedrijfsgebouwverzekering Business building insurance covering damage from fire, storm, and lightning with optional extensions for vandalism and burglary.
• Bedrijfsschadeverzekering Business interruption insurance covering fixed costs, revenue loss, and costs for maintaining and resuming business activities after disasters.
• Pensioen Ondernemer Self-employed pension insurance utilizing tax advantages with flexible saving and investment options, customizable to individual needs.
• Arbeidsongeschiktheidsverzekering Disability insurance for entrepreneurs providing monthly benefits during partial or complete inability to work due to illness or accident.
• Overlijdensrisicoverzekering (Ondernemers) Life insurance for entrepreneurs paying a predetermined amount to dependents, business partners, or the business upon death.
• Compagnonsverzekering Business partner life insurance paying a lump sum to surviving partners to buy out deceased partner's share.
• ZZP Pakketverzekering Freelancer package insurance combining business liability, professional liability, directors liability, CAR/assembly, and legal expenses.
• Cyberverzekering (Zakelijk) Business cyber insurance covering reconstruction costs, business interruption, data breach liability, defense costs, and technical/legal support.
• Glasverzekering Glass insurance covering windows, door panes, and display cases against breakage from vandalism and burglary.
• Lichtreclameverzekering Signage insurance covering damage to illuminated sign installations from lightning, storms, and vandalism including repair costs.
• Machinebreukverzekering Machine breakdown insurance covering repair or replacement costs of production machines including damage from human error.
• Milieuschadeverzekering Environmental damage insurance covering cleanup costs and consequences of pollution, including investigation and business interruption costs.
• Reconstructieverzekering Reconstruction insurance covering costs to restore business administration including software, computer files, and physical records after incidents.
• Extra Kostenverzekering Extra costs insurance covering temporary workspace and equipment rental to enable quick business restart after disasters.
• Zakelijke Pakketverzekering Business insurance package combining all commercial policies with one policy document, single premium collection, and fixed discounts.
• Hypotheekadvies Independent mortgage advisory services including starter mortgages, mover mortgages, remortgaging, and rate comparison.
• Hypotheek voor Starters First-time buyer mortgage advice with annuity and linear options, covering NHG, starter loans, and parental assistance.
• Hypotheek voor Doorstromers Home mover mortgage addressing equity, residual debt, mortgage transfer, and tax deductibility considerations.
• Hypotheek Oversluiten Mortgage remortgaging and rate adjustment services including penalty calculation and rate averaging options.
• Hypotheekvormen Mortgage product types including annuity, linear, savings, life, bank savings, investment, hybrid, and interest-only mortgages with tax deductibility guidance.
• Krediet Loan and credit services including personal loans and revolving credit with independent advice on borrowing options.
• Financieel Advies Financial planning services covering income, savings, risk management, retirement, and wealth transfer with personalized advisory.
• Pensioen Pension planning services including AOW guidance, pension gap analysis, and annuity insurance for tax-efficient retirement savings.
• Bestelautoverzekering Commercial van insurance with WA, WA Plus, and All Risk options plus optional legal, accident, and roadside coverage.
• Oldtimerverzekering Classic car insurance for vehicles 25+ years old with usage limited to 7,500 km/year, available as WA, WA Plus, or All Risk.
• Motorverzekering Motorcycle insurance with WA, limited casco, or full casco options plus optional no-claim, legal, accident, and replacement coverage.
• Bromfietsverzekering Moped and scooter insurance with WA, theft, and collision coverage, offering no-claim discounts up to 75%.
• Fietsverzekering Bicycle insurance covering theft and damage with new value or daily value payout options, requiring ART-approved locks.
• Pechhulpverzekering Roadside assistance insurance providing 24/7 professional help in the Netherlands or across Europe with replacement transport options.
• Caravanverzekering Caravan and folding camper insurance covering damage from fire, storm, theft, vandalism, and accidents with replacement caravan option.
• Bootverzekering Pleasure craft insurance with WA, limited, or full casco coverage, requiring SCM-approved security for outboard motors.
• Kampeerautoverzekering Camper insurance with WA, limited casco, or full casco options plus accident, passenger, and legal add-ons.

Quantifiable outcome

• Package discounts up to 10% for combining multiple insurance policies

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core.

• SEH (Stichting Erkend Financieel Adviseur)coreOthersQuality certification organization for financial advisors in the Netherlands. Provides personal certification recognizing advisors who have achieved required diplomas and meet practice conditions. Denk Verzekeringen advisors hold this certification.
• Nederlandse Vereniging van Financieringsadviseurs (NVF)coreOthersProfessional association for financing advisors in the Netherlands. Provides quality framework and code of conduct ensuring member advisors maintain standards for expertise and integrity.
• Klachteninstituut Financiële Dienstverlening (Kifid)coreOthersIndependent complaints institute for financial services providing dispute resolution. Denk Verzekeringen is registered (Kifid 300.001.341), allowing customers to seek independent arbitration for complaints.
• Autoriteit Financiële Markten (AFM)coreOthersDutch Authority for the Financial Markets that supervises financial advisors under the Financial Supervision Act (Wft). Denk Verzekeringen holds AFM license number 12003737, authorizing the firm to advise and intermediate in financial products.

Scale indicators4 records

Expansion highlights5 records

Regional players

• Univé: Northern Dutch mutual insurer with strong regional brand and member-owned model. Comparable as a regional Dutch competitor offering personal and SME insurance, posing brand-loyalty competition in adjacent geographies to Denk's Rotterdam base.

Broad incumbents

• Nationale-Nederlanden: One of the largest Dutch life and non-life insurers and pension providers. Comparable for pension advisory (Pensioen Ondernemer), life insurance (Overlijdensrisicoverzekering), and disability products where Denk acts as intermediary.
• Aon Netherlands: Global insurance and reinsurance broker with Dutch operations serving mid-market and corporate clients. Comparable as a much larger independent broker offering risk advisory, commercial insurance, and employee benefits across the same product categories as Denk's Zakelijk segment.
• FBTO (Achmea): Direct-to-consumer Dutch insurer owned by Achmea. Competes with Denk on personal lines (auto, home, travel, liability) through a no-advice digital model that undercuts advisor-led pricing on commoditized products.
• Marsh Netherlands: Global risk and insurance brokerage with Dutch presence. Comparable as a large-scale independent broker targeting commercial and specialty lines overlapping with Denk's business insurance portfolio.

Direct peers

• Pricewise: Major Dutch comparison site for insurance, energy, and financial products. Competes with Denk for consumer attention on commoditized personal lines through a digital-first model, exerting fee compression on broker commissions.
• Hypotheek.nl: Online Dutch mortgage comparison and advisory platform. Competes with Denk's mortgage advisory business, particularly for standardized first-time buyer and refinancing scenarios.
• De Hypotheekshop: Largest Dutch mortgage advisor franchise network offering independent mortgage advice to consumers. Directly comparable for the mortgage advisory (Hypotheekadvies) side of Denk's business, including starter, mover, and remortgage segments.
• Allsecuur Assuradeuren: Dutch independent insurance intermediary serving consumers and SMEs with personal and commercial lines. Closely mirrors Denk's independent broker model with multi-line personal and business coverage plus financial planning.
• Independer: Dutch online insurance and financial product comparison platform. Directly comparable as a competing intermediation channel that routes consumers to insurers and lenders, particularly for the same personal lines (auto, home, travel) Denk Verzekeringen brokers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

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 Denk Verzekeringen & Financieringen