Koos Rook Financiële Diensten

What Koos Rook Financiële Diensten does

Koos Rook Financiële Diensten is a fully independent financial intermediary firm headquartered in Krimpen aan den IJssel, Netherlands, founded in 1963 by Koos Rook as an administration office and grown over nearly six decades into a multi-line advisory practice. The firm operates exclusively within the Krimpenerwaard region and serves two horizontal segments: private individuals (mortgages, personal insurance, pensions, financial planning) and small/medium businesses (commercial insurance, payroll, VAT and corporate tax returns, annual accounts). It is presently owned and operated by three partners — Michel van den Brink, Peter Rebergen, and Denny Trouwborst — supported by a team of approximately 18 employees organised across mortgage, insurance, administration, and marketing functions.

The service portfolio spans three product pillars: (1) mortgage advisory and product brokerage across annuity, linear, interest-only, sustainability, intergenerational, senior, starter, and commercial mortgage types, plus refinancing and an online affordability calculator; (2) a catalogue of more than fifteen insurance lines covering mobility, recreation, home, liability, legal expenses, life and funeral, pension, and commercial packages; and (3) administration and planning services including payroll, tax filings, and personal financial planning. The sole proprietary digital asset is the Koos Rook Mobiele App (Android/Apple), which provides policy access, claims reporting, and key contact details. The firm is registered with the Dutch Authority for the Financial Markets (AFM, registration 12050134) and holds KvK number 94372780, operating under the Dutch independent intermediary regulatory regime.

The revenue model is built on commissions earned from placing mortgages and insurance products with multiple providers, combined with advisory fees for financial planning and administration services. Distribution is conducted through walk-in and appointment-based advisory at the single Krimpen aan den IJssel office, supplemented by website-driven appointment booking and a content-marketing blog. Brand building is supported by community sponsorships (Koningsspelen, FC Perkouw, ALS Sunrise Walk, RegioBank Snertloop), Advieskeuze.nl ratings, and peer recognition including FD Gazelle 2021 and the 2026 ORV Koploper Award nomination.

Name

Koos Rook Financiële Diensten

Legal name

Koos Rook Financiële Diensten

Website

https://koosrook.nl

Company type

Private

Founded year

1963

Operating status

Operating

Headcount range

11–50 employees

Short description

Koos Rook Financiële Diensten is an independent Dutch financial intermediary in Krimpen aan den IJssel, founded 1963, serving private individuals and SMBs in the Krimpenerwaard region with mortgage, insurance, pension, financial planning, and administration services via a three-partner-owned advisory practice.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Accounting, Tax Preparation, Bookkeeping, and Payroll Services (54121), Portfolio Management and Investment Advice (523940)

SIC

Insurance Agents, Brokers & Service (6411), Investment Advice (6282), Mortgage Bankers & Loan Correspondents (6162), Fire, Marine & Casualty Insurance (6331)

akta.pro industry

PRIMARYFSAEABAH

Annuity & Insurance-Based Retirement Solutions Advisory

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Wealth & Retirement Advisory

SECONDARYFSAEAAAL

Fee-Only Advisory

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Investment Advisory & Financial Planning

SECONDARYFSAEABAE

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

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Wealth & Retirement Advisory

Keywords

• Financial advisory services
• Mortgage intermediation
• Insurance brokerage
• Business administration outsourcing
• Pension planning advice

Headquarters

HQ city

Krimpen Aan Den Ijssel

HQ country

Netherlands

HQ region

Europe

Offices1 record

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. Financial Advisory and Intermediary Services: As a fully independent financial advisor (intermediair), the firm earns commissions from insurance providers and mortgage lenders for placing products, combined with advisory fees for financial planning and administration services.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Koos Rook Financiële Diensten is a fully independent Dutch financial intermediary that delivers bundled advice and execution across three pillars: mortgages (advisory, refinancing, and a range of mortgage types including annuity, linear, payment-free, starter, sustainability, generation, senior, and business mortgages), insurance (mobility, recreation, home, liability, legal expenses, life, funeral, pension, and business packages), and financial administration services (business accounting, payroll, tax filings, pension communication, and personal financial planning). Services are delivered via certified advisors at the firm's Krimpen aan den IJssel office and supported by a proprietary mobile app.

Product overview

Koos Rook Financiële Diensten is a fully independent financial advisory firm operating since 1963, offering a comprehensive suite of financial services for both private individuals and businesses. The core portfolio spans three main pillars: (1) Mortgage services — including mortgage advisory, various mortgage types (annuity, linear, payment-free, sustainability, senior, business, and starter mortgages), mortgage refinancing, and an online affordability calculator; (2) Insurance products — covering mobility (car, motorcycle, bicycle), recreation (travel, cancellation, caravan, pleasure craft), home (buildings, contents, VvE), liability, legal expenses, life/death risk, funeral, pension, annuity, and business lines; and (3) Administration and financial planning — including business accounting, payroll, tax filing, pension communication, and personal financial planning. A proprietary mobile app for Android and Apple supports clients with policy management and claims. The firm operates as an independent intermediary, combining advisory expertise across all three domains into a single-client relationship model.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgage Advisory (Hypotheekadvies) Independent mortgage advisory service covering the full mortgage journey from financial situation assessment to signing at the notary, including guidance on mortgage type selection (annuity, linear, payment-free, starter, sustainability, generation, senior, business), lender comparison, and dossier management.
• Mortgage Refinancing (Hypotheek oversluiten) Service helping clients switch to a more favorable mortgage with different lenders for better rates or terms.
• Business Mortgage (Bedrijfshypotheek) Commercial mortgage product for business owners seeking to finance business premises or commercial real estate.
• Personal Insurance (Verzekeren) Personal insurance intermediation covering mobility (auto, motorcycle, moped, classic car, bicycle, e-bike), recreation (travel - annual and single-trip, cancellation, caravan, pleasure craft), home (buildings, contents, VvE package), liability, legal expenses, life (term life linked to mortgages, funeral), and pension/annuity insurance, sourced across multiple providers to secure favorable terms for clients.
• Business Insurance (Zakelijke verzekering) Business insurance package covering liability, disability/sickness/accidents, business premises and inventory, business continuity, cybercrime, mobility and transport, and survivor benefits, tailored for SMB clients.
• Personal Financial Planning (Persoonlijke financiële planning) Personal financial planning service providing customized advice on financial goals, risk management, and wealth planning for individuals.
• Pension Advisory for Employers (Pensioenadvies werkgever) Pension advisory service for employers establishing and managing pension schemes for their workforce, including pension communication to employees.
• Pension Communication (Pensioencommunicatie) Pension communication service helping employers communicate pension plan details to their employees.
• Business Administration (Zakelijke administratie) Outsourced business administration service covering payroll processing, annual accounts, VAT returns, corporate tax filings, and fiscal advisory for small and medium-sized businesses.
• Tax Filing Service (Belastingaangifte) Tax filing service for both private individuals and businesses, including income tax and corporate tax returns.
• Koos Rook Mobile App Mobile application for Android and Apple devices providing policy document access, claim reporting functionality, and key contact information to existing and prospective customers.

Quantifiable outcome

• 8.9/10 customer satisfaction for claims handling and 9.2/10 for new insurance policies (via NH1816)
• +2 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Four partnerships are on record, tiered minor and core.

• DazureminorStrategic or Co-development Partner · 1 January 2026Insurance provider collaborating with Advieskeuze.nl on the ORV Koploper Award 2026, which nominated Koos Rook Financiële Diensten.
• MUNT HypothekenminorStrategic or Co-development Partner · 1 January 2025Mortgage provider that nominated colleague Peter Rebergen for the Meest Onafhankelijke Hypotheekadviseur 2025 election based on customer ratings.
• RegioBankcoreChannel Partner/ Reseller/ DistributorKoos Rook Financiële Diensten operates as a self-employed advisor (zelfstandig adviseur) of RegioBank. RegioBank is described as a 'buurtzame bank' (neighborhood bank) focused on community banking in the Netherlands. The partnership enables access to banking products and services while maintaining local, personal service.
• NH1816 VerzekeringencoreChannel Partner/ Reseller/ DistributorPartnership for insurance products with NH1816 Verzekeringen. The collaboration has resulted in high customer satisfaction scores (8.9/10 for claims handling, 9.2/10 for new policies). NH1816 contributed to the ALS Sunrise Walk charity event.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• De Hypotheekshop: De Hypotheekshop is one of the largest Dutch mortgage advisory chains with independent advisors across the country — directly comparable in core mortgage and insurance intermediation services.
• De Hypotheker: De Hypotheker is the largest Dutch mortgage advisory chain with over 200 offices nationwide — comparable in mortgage intermediation but significantly larger and more nationally distributed than Koos Rook.
• Hypotheek Visie: Hypotheek Visie is a Dutch independent mortgage and insurance advisor — comparable service mix and target customer segments (private individuals and SMBs).
• Van Bruggen Adviesgroep: Van Bruggen Adviesgroep is a Dutch chain of independent financial advisors offering mortgages, insurance, and financial planning — the most directly comparable peer in scale and service model to Koos Rook.

Emerging players

• Pricewise: Pricewise is a Dutch comparison platform for insurance, energy, and financial products — adjacent competitive pressure on Koos Rook's intermediation value proposition.
• Independer.nl: Independer.nl is a leading Dutch online comparison and advisory platform for insurance and financial products — competing for the same Dutch consumer customers but via a digital-first model.

Others

• RegioBank: RegioBank is a Dutch community bank and active channel partner of Koos Rook (zelfstandig adviseur model) — comparable target customer (community-oriented local clients) but operating in banking rather than advisory.
• NH1816 Verzekeringen: NH1816 is a Dutch mutual insurance company and named partner of Koos Rook with documented high customer satisfaction scores — comparable as an insurance provider in the same regional Dutch market.

Broad incumbents

• Rabobank (local offices): Rabobank is the dominant Dutch cooperative bank with local branch presence in Krimpenerwaard — competing for the same mortgage, insurance, and savings customers but as a vertically integrated bank.

Regional players

• Financieel Advies Nederland: Financieel Advies Nederland is a Dutch association/network of independent financial advisors — relevant peer as a competing independent advisory structure in the broader Dutch market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/koosrook
• Facebookfacebook.com/KoosRookVerzekeringen
• LinkedInlinkedin.com/company/koos-rook

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 Koos Rook Financiële Diensten