Verheul Groep

What Verheul Groep does

Verheul Groep (legal name: Verheul Advies Groep) is a Dutch regional financial services group headquartered in North Holland, operating in the Kop van Noord-Holland market. The group delivers an integrated suite of financial services to private individuals and small-business clients, including real estate brokerage (makelaardij), mortgage advisory, insurance brokerage and underwriting, and pensions and financial advisory. The firm operates four physical branches across Wieringerwerf, Anna Paulowna, Schagen, and Den Helder, staffed by 13 financial experts, and positions itself under the lifecycle brand "Adviseurs voor het leven" (Advisors for life).

The revenue model combines brokerage commissions on real estate and mortgage transactions, fee-based advisory, and insurance brokerage commissions, supplemented by net underwriting margin captured through Hollands Kroon Assuradeuren, an in-house AFM-licensed volmachtkantoor that grants binding authority to place insurance on behalf of carriers. The group has extended its distribution and product reach through a partnership with Alpina Group, operating under the "Alpina Verheul" co-brand for selected lines, and has launched a niche specialty product, Camperverzekerd (camper insurance), to broaden its insurance portfolio. Talent is sourced through the Finfuture traineeship program, and the firm maintains community visibility through regional sports sponsorships.

Name

Verheul Groep

Legal name

Verheul Advies Groep

Website

https://verheulgroep.nl

Company type

Private

Founded year

1979

Operating status

Operating

Headcount range

51–100 employees

Short description

Verheul Groep is a Dutch regional financial services group providing integrated real estate brokerage, mortgage, insurance, and pensions advisory to private individuals and SMEs in North Holland through four branch offices and an AFM-licensed underwriting volmachtkantoor.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurance Claims Intake & FNOL Support (BPAAAFAA)

Keywords

• Real estate brokerage
• Mortgage advisory
• Insurance brokerage
• Financial advisory
• Pension advisory

Headquarters

HQ city

Anna Paulowna

HQ country

Netherlands

HQ region

Europe

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Mortgage Advisory Services: Advisory and brokerage services for mortgage products, helping clients find appropriate financing solutions for property purchases
2. Insurance Advisory and Underwriting: Insurance advisory services with own underwriting authority through Hollands Kroon Assuradeuren volmachtkantoor. Operates as authorized agent for multiple insurers.
3. Real Estate Brokerage: Real estate brokerage and property valuation services for residential properties in the North Holland region

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

Verheul Groep is a North Holland-based financial services group providing integrated real estate brokerage (makelaardij), mortgage advisory (hypotheekadvies), and insurance brokerage (verzekeringen) to private individuals and business clients. The group also operates Hollands Kroon Assuradeuren, an AFM-licensed volmachtkantoor that underwrites and handles claims on behalf of multiple insurers under its own brand, enabling customized policy issuance and faster claims processing.

Product overview

Verheul Groep is a financial services group operating as a multi-brand advisory firm offering integrated financial services through separate business units. The core portfolio consists of three main services: Makelaardij (real estate brokerage with NVM-certified agents), Hypotheekadvies (mortgage advisory), and Verzekeringen (insurance brokerage). The group also includes Hollands Kroon Assuradeuren, an authorized underwriting office (volmachtkantoor) that issues and manages insurance policies under its own brand on behalf of insurers, providing customized coverage and handling claims directly. Additional offerings include pensions and financial advisory services. The company also participates in the Finfuture traineeship program for talent development in the financial sector.

Differentiator

Problem solved

Functional benefit

Products and services

• Makelaardij (Real Estate Brokerage) Full-service real estate brokerage including property sales, NVM-certified valuations (taxaties), and rental services for residential and commercial properties in North Holland.
• Hypotheekadvies (Mortgage Advisory) Mortgage advisory services helping clients secure financing for property purchases, including guidance on interest rate periods and mortgage products.
• Verzekeringen (Insurance Services) Insurance advisory and brokerage services covering personal lines (inboedel, opstal, aansprakelijkheid, reisverzekering) and commercial lines (zakelijke brand, aansprakelijkheid, transport, VvE) insurance products.
• Hollands Kroon Assuradeuren (Volmachtkantoor) Authorized underwriting office (volmachtkantoor) under AFM license that processes policies, handles claims, and issues customized insurance products under its own brand on behalf of partner insurers including ARAG, Avero Achmea, ASR, and Nationale Nederlanden.
• Camperverzekerd Specialized insurance product for campers/recreational vehicles, offered as a dedicated business unit within the Verheul Group portfolio.
• Pensioenen (Pensions Advisory) Pension advisory services provided as part of the comprehensive financial planning offerings for private and business clients.
• Geldzaken (Financial Advisory) Financial advisory services covering various monetary, banking, and personal finance matters as part of the integrated advisory offering.

Quantifiable outcome

• Snel – en efficiënte schadeafwikkeling (Fast and efficient claims processing)
• +1 more outcomes

Segments2 records

Ideal customer profiles2 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 core.

• Alpina GroupcoreStrategic or Co-development PartnerAlpina Group is a strategic partner/affiliate. The company operates under the brand 'Alpina Verheul' and participates in Alpina Group jobs portal. Shared training programs through Finfuture.nl traineeship.
• NVM (Nederlandse Vereniging van Makelaars)coreStrategic or Co-development PartnerSeveral employees hold NVM (Dutch Real Estate Association) certifications as NVM Register Makelaar Taxateur. NVM affiliation provides credibility and network in Dutch real estate market.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Alpina Group: Strategic partner and shared brand with Verheul Groep (operating as 'Alpina Verheul'). A Dutch multi-service financial advisory group offering real estate brokerage, mortgage, and insurance services with a similar decentralized regional office model. Most directly comparable by structure and service mix.
• De Hypotheker: Largest Dutch mortgage advisory chain with offices nationwide. Comparable in mortgage advisory focus and franchise-like regional office model, though narrower in product breadth than Verheul.
• Van der Linden Groep: Dutch advisory group with multiple regional offices providing real estate brokerage, mortgage advisory, and insurance services. Comparable multi-service offering and regional branch structure.
• Hoekstra & van Eck: Regional Dutch real estate and financial advisory firm with multiple branches across North and South Holland offering integrated real estate, mortgage, and insurance services. Comparable in regional multi-service model and customer segments.
• DAK Intermediairscollectief: Dutch insurance intermediary network connecting independent advisors with multiple insurers. Comparable in multi-carrier insurance brokerage model and independent advisor structure.
• Hypotheek Visie: Dutch mortgage advisory franchise with a national network of independent advisors. Comparable in mortgage advisory service delivery and regional advisor model.

Broad incumbents

• ING Netherlands: Major Dutch bank offering retail banking, mortgage, and insurance services. Comparable in serving Dutch consumers with integrated financial products, though at vastly larger scale and broader geographic reach.
• Aon Netherlands: Global insurance broker and risk advisor with Dutch operations. Comparable in insurance brokerage and advisory services, but at significantly larger scale and broader geographic reach.
• Univé: Dutch insurance cooperative with strong regional presence across the Netherlands. Comparable in regional Dutch insurance focus and member-focused distribution model, but broader in scale and product range.
• Rabobank: Largest Dutch bank with deep regional presence through local Rabobanks. Comparable in serving North Holland consumers with integrated banking, mortgage, and insurance services, though at vastly larger scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 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 Verheul Groep