What Winz & Partner does

Winz & Partner is a German insurance and pensions advisory firm operating as a sole proprietorship (Einzelkaufmann) under Dieter Winz, headquartered at Inselstraße 9 in Düsseldorf. The firm provides PensionsManagement services, with its core offering being cost-neutral consulting for occupational pension provision (bAV / betriebliche Altersversorgung), including concept development and implementation of company pension schemes. The product portfolio extends to company health insurance (bKV), company accident insurance (bUV), general insurance products, and the SpenditCard employee benefit solution. Services are delivered to two parallel customer segments — business customers (Firmenkunden) seeking employee benefits infrastructure and private customers (Privatkunden) seeking individual pension and insurance advice.

The firm operates from three regional offices in North Rhine-Westphalia (Düsseldorf as headquarters, plus branch offices in Kaarst and Kevelaer serving the Lower Rhine region), conducting business through face-to-face advisory consultations as well as phone- and email-based remote consultation. Distribution is direct and relationship-led, supported by a content-marketing presence via the company's website and an 'Aktuelles' news section. The firm is licensed under § 34d GewO for insurance advisory and regulated by IHK Düsseldorf.

The business model is professional-services and commission-based: revenue is derived from insurance product brokerage across bAV, bKV, bUV, and general insurance lines, supplemented by advisory fees where applicable. The 'cost-neutral consulting' positioning implies that client-facing advisory is largely underwritten by insurance carrier commissions rather than direct client fees. As a sole proprietorship, the firm has no external investors, no parent company, no subsidiaries, and no disclosed funding history. Jana Wolfs (formerly Jana Winz) serves on the management team as head of the insurance department. Revenue, headcount, and financial trajectory are not publicly disclosed.

Name

Winz & Partner

Legal name

Dieter Winz, Winz e.K.

Website

https://winz-und-partner.de

Company type

Private

Operating status

Operating

Short description

Winz & Partner is a Düsseldorf-based German insurance and pensions advisory firm providing cost-neutral consulting on occupational pensions (bAV), company health and accident insurance (bKV/bUV), and general insurance to both corporate (Firmenkunden) and private (Privatkunden) clients across three regional offices in North Rhine-Westphalia.

Ownership category

akta.pro rank

Product category

Insurance Brokerage and Pension Advisory

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance and Employee Benefit Funds (5251)

SIC

Insurance Agents, Brokers & Service (6411), Services-Management Consulting Services (8742), Accident & Health Insurance (6321)

akta.pro primary industry

Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE)

akta.pro secondary industries

Retirement Plan Participant Advice & Managed Accounts (FSAEABAF), Pensions & Retirement Benefits Administration (BPAIAKAA), Basic Group Term Life (Employer-Paid) (FSAIADAA)

Keywords

• Pension management
• Occupational pensions
• Insurance advisory
• Corporate health insurance
• Accident insurance

Headquarters

HQ city

Düsseldorf

HQ country

Germany

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Advisory/Consulting Services for Occupational Pensions: The company provides pensions management advisory services, including concept development and implementation for occupational pension schemes (betriebliche Altersversorgung/bAV). Revenue is derived from consulting fees, likely commission-based from insurance product sales as indicated by their role as intermediary for insurance products including bAV, bKV (company health insurance), bUV (company accident insurance), and general insurance offerings.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels3 records

Core offering

Winz & Partner delivers pensions management and insurance advisory services, with a core focus on occupational pension provision (bAV) for corporate clients and accompanying corporate insurance lines (bKV, bUV). The firm also advises private clients on personal insurance and pension matters, distributes the SpenditCard employee benefit card, and operates under § 34d GewO as a regulated insurance intermediary.

Product overview

Winz & Partner is a pensions management and insurance consulting firm operating as a unified service offering. The core service is PensionsManagement, which provides concept development and cost-neutral consultation for occupational pension provision. This is supported by product modules including bAV (occupational pension provision), bKV (company health insurance), bUV (company accident insurance), general insurance products, and SpenditCard for employee benefits management. Services are offered to both corporate (Firmenkunden) and private (Privatkunden) customer segments.

Differentiator

Problem solved

Functional benefit

Products and services

• PensionsManagement End-to-end pensions management advisory service covering occupational and private pension planning for corporate clients (Firmenkunden) and private individuals (Privatkunden).
• bAV (Betriebliche Altersvorsorge) — Occupational Pension Provision Advisory and implementation of occupational pension provision schemes for employers and their employees, as well as private clients accessing bAV in an individual capacity. Delivered on a cost-neutral consulting basis for corporate clients.
• bKV (Betriebliche Krankenversicherung) — Company Health Insurance Advisory and brokerage of company-funded supplementary health insurance for employees, offered to corporate clients as a benefit programme and to private clients in an individual context.
• bUV (Betriebliche Unfallversicherung) — Company Accident Insurance Advisory and brokerage of company accident insurance policies covering employees for workplace and commuting accidents, targeted at corporate clients (Firmenkunden).
• Versicherungen (Insurance) General insurance advisory and brokerage services covering personal and corporate insurance needs beyond the specialized bAV, bKV, and bUV lines, available to both Firmenkunden and Privatkunden.
• SpenditCard Employee benefit card (SpenditCard) distributed by Winz & Partner to corporate clients for use as a tax-advantaged employee benefit alongside other corporate insurance and pension offerings.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves6 records

Expansion highlights3 records

Direct peers

• Funk Gruppe: One of Germany's largest independent insurance and risk management brokers serving corporate and institutional clients, including bAV solutions. Comparable as a German insurance broker with corporate focus, but at substantially larger scale and broader product breadth.
• OVB Holding AG: Cologne-headquartered financial advisory group operating across Europe, focused on insurance, retirement, and wealth products for retail clients. Comparable as a multi-country German-rooted advisory firm offering bAV-related insurance and pension products.
• Deutsche Vermögensberatung (DVAG): One of Germany's largest independent financial advisory networks, distributing insurance, retirement, and investment products to retail and corporate clients. Comparable as a German bAV and insurance intermediary with a hybrid B2B/B2C model, but operating through a national agent network.
• Ecclesia Gruppe: Major German insurance broker specializing in corporate and institutional clients, including occupational pension schemes and risk management. Comparable as a German insurance broker with corporate client base and bAV offerings, but operating nationally with greater resources.
• tecis Finanzdienstleistungen: German financial advisory network (part of the MLP Group) offering insurance, retirement, and investment advisory to retail and SME clients. Comparable as a German advisor distributing bAV, health, and insurance products via a hybrid advisory model.
• MLP SE: German financial advisory and wealth management firm offering insurance, retirement planning, and bAV consulting to private and corporate clients. Directly comparable as a German financial advisory platform with overlapping bAV and insurance intermediation offerings, though at materially larger scale.
• Horbach Wirtschaftsberatung: German financial advisory firm (part of MLP Group) providing insurance, retirement, and wealth management services to private clients and SMEs. Comparable to Winz & Partner in providing individualized pension and insurance advisory across similar client segments.

Broad incumbents

• Aon Germany: German arm of global insurance and reinsurance broker Aon, serving mid-market and large corporates with risk management, insurance brokerage, and bAV consulting. Comparable as a much larger competitor operating in the same German corporate insurance and bAV market.
• Marsh Germany: German operations of global insurance broker Marsh, providing risk management, insurance placement, and employee benefits advisory to corporate clients. Comparable as a global incumbent competing for the same German corporate insurance and bAV mandates.

Emerging players

• Spendit AG: Provider of the SpenditCard employee benefit platform that Winz & Partner distributes. Directly comparable as the underlying product vendor for the same benefit card solution, competing for placement through German broker channels.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/winz-und-partner

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 Winz & Partner