What holver does

Holver s.r.o. is a Czech private limited company founded in 2000, headquartered in Moravská Ostrava, and operating as a broker pool (brokerpool) for financial advisors and insurance agents. The company provides a unified platform aggregating 84 services and over 300 financial products spanning life insurance, auto insurance, property insurance, travel insurance, liability insurance, investments, pensions, mortgages, and consumer credit under its own regulatory license. Holver's core technology stack combines a Salesforce-based proprietary CRM with a Microsoft Azure data warehouse, supporting specialized modules such as a Mortgage Calculator with bank API integration, an Auto Insurance module with direct ĆKP database connection, a Legal document automation tool, a life insurance comparator with 160+ archived products, and Tableau-based performance dashboards. The platform processes over 900,000 commission lines per month, with 85% of production handled online and 90% of auto insurance contracts fully digital.

Holver monetizes through commission-based brokerage, taking a transaction fee on contracts arranged through its advisor network across product partners including Allianz, Kooperativa, Generali česká, UNIQA, MetLife, J&T Banka, ČPP, Cyrrus, Amundi, and Conseq. The company supplements this with technology and administrative services bundled for advisors. Pricing is commission-based with no volume targets or point recalculations, positioned as transparent and fair. Holver is part of the Ettecapital group and serves a single primary customer segment (financial advisors and insurance agents, primarily SMB) within the Czech Republic. Growth and retention are driven by a community-led go-to-market model including flagship events (Colors of Finance, Holver Days, Holver Camp), regional roadshows, sports tournaments, and international incentive trips, supplemented by an educational program and an emerging AI-powered advisory layer built on the Data Hub for predictive analytics and portfolio optimization.

Name

holver

Legal name

holver s.r.o.

Website

https://holver.cz

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Financial Brokerage Services

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411), Loan Brokers (6163)

akta.pro primary industry

Reinsurance Claims, Accounting & Contract Administration (Broker Services) (FSAOAHAI)

akta.pro secondary industry

Loan Operations & Servicing (Consumer/SME/Corporate) (FSABALAD)

Keywords

• Broker pool services
• Financial advisory platform
• Insurance product distribution
• Investment advisory tools
• Mortgage comparison software

Headquarters

HQ city

Moravska Ostrava

HQ country

Czechia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Commission-based brokerage: Holver operates as a broker pool, earning commissions from financial product providers (insurance companies, investment companies, pension companies, credit providers) for contracts arranged through their network of financial advisors. The company provides advisors with 84 services and 300+ products under their own license.
2. Technology and administrative services: Provides full administrative, business, and technological support to financial advisors, generating revenue through the volume of processed business cases.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels10 records

Core offering

holver operates as a Czech broker pool providing financial advisors with access to 84+ services and 300+ financial products under a single license, covering insurance, investments, pensions, and credit products. The company delivers full administrative, business, and technological support via its proprietary Financial Studio CRM platform built on Salesforce and Microsoft Azure, along with specialized digital modules for product comparison, contracting, and reporting.

Product overview

Holver operates as a brokerpool providing financial advisors with a unified technology ecosystem combining a proprietary CRM platform with specialized product modules. The core Financial Studio platform serves as the central hub integrating all data and tools, supplemented by dedicated modules for life insurance, auto insurance (with ČKP database), property insurance, travel insurance, liability insurance, investments, and mortgage comparison. Supporting tools include Legal for automated document generation, a mortgage calculator with bank API connections, and Tableau-based reporting. The ecosystem supports 84 services in portfolio, processes over 900,000 commission lines monthly, and manages 300+ products with 85% online production. The platform is built on Salesforce CRM and Microsoft Azure, with AI capabilities being developed for predictive analytics, automated reporting, and recommendation engines.

Differentiator

Problem solved

Functional benefit

Products and services

• Financial Studio (Finanční studio) Foundation module serving as the central ecosystem for all data and tools. Provides unified access to client information, contracts, and analytics across all financial product segments for financial advisors.
• Mortgage Calculator (Hypoteční kalkulačka) Independent methodological comparator for advisors enabling comparison and filtering of parameters for mortgage loans, building savings, American mortgages, and consumer credits. Includes product cards, current rates, discounts, methodologies, and API connections to bank systems for online application submission.
• Life Insurance Tool (Životní pojištění) Tool for streamlining life insurance sales by comparing offerings from multiple partner insurers, pre-filling contract proposals, and auto-populating documentation. Includes archive of over 160 historical insurance products and online contracting capability.
• Auto Insurance Module (Autopojištění) Direct connection to ĆKP (Czech Insurance Bureau) database with real-time exact rate calculations. Full online contracting including mandatory and contractual documentation. Covers vehicles, trucks N2/N3, and unregistered vehicles, with 90% of auto insurance contracts processed fully digital.
• Property Insurance (Pojištění majetku) Property insurance comparator enabling instant quotes combining household, real estate, and liability coverage. Supports properties under construction via address or parcel number. Allows switching between insurer package variants.
• Investments Module (Investice) Investment tool providing portfolio overview with optimization recommendations. Combines access to funds and direct investments with visualization of investment development. Includes yield comparison and investment goal modeling.
• Legal Application Document generation application that automatically creates complete sets of mandatory documentation for contracted products. Selects segment and product, adds client data, and generates complete document sets in electronic form with digital signature capability within seconds.
• Tableau Reports (Tableau reporty) Business intelligence tool using Tableau for real-time team performance visualization. Enables managers to track production, commissions, segment distribution, and business type analysis without manual data collection.

Quantifiable outcome

• 85% of production processed online
• +4 more outcomes

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability5 records

Feature10 records

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Broker Trust: Broker Trust is a Czech financial advisory group that serves as a broker pool for financial advisors, providing product access and back-office support. It is a direct competitor to Holver in the Czech Republic, with overlapping services in insurance, mortgages, and investments for tied advisors.
• Partners Financial Services: Partners Financial Services operates a Czech financial advisor network providing insurance, investment, and credit products. It is directly comparable to Holvers broker pool model, with similar commission structures, partner insurer relationships, and a focus on tied-agent distribution.
• OVB Allfinanz Česká republika: OVB Allfinanz is one of the largest financial advisor networks in Central and Eastern Europe, with a substantial Czech operation offering insurance, investments, and credit products. It competes directly with Holver for financial advisor recruitment and end-client relationships in the Czech market.
• Fincentrum & Money Expert: Fincentrum is a leading Czech financial advisory and comparison platform that connects consumers with advisors and brokers across insurance, mortgages, and investments. It is a relevant direct peer as it offers an alternative intermediation channel competing for the same end clients and advisor networks.
• Swiss Life Select Czech Republic: Swiss Life Select operates a financial advisor network in the Czech Republic offering life insurance, investment, and pension products through tied agents. It is the most directly comparable broker pool to Holver, with overlapping product mix, advisor model, and even shared talent pipelines (Holvers mortgage specialist joined from Swiss Life Select).

Broad incumbents

• AWD (Allgemeiner Wirtschaftsdienst): AWD was a major German-origin financial advisor network historically operating in CEE, now integrated into Swiss Life Select. It represents a broader incumbent version of the same broker pool model, with deeper resources and broader geographic reach than Holver.
• Allianz pojišťovna: Allianz pojišťovna is a major Czech life and P&C insurer and a core product partner of Holver. As a broader incumbent, it provides products distributed through Holvers broker pool while also running its own financial advisor and direct sales channels.
• Kooperativa pojišťovna: Kooperativa is one of the largest insurance companies in the Czech Republic and a key product partner of Holver. As a broader incumbent, it both supplies products to Holvers broker pool and competes via its own tied-agent network, making it a relevant incumbent for comparison.
• Generali Česká pojišťovna: Generali Česká pojišťovna is one of the largest Czech insurers and a strategic product partner of Holver. It is a broader incumbent with both partner and competitor dynamics, offering its own tied-agent distribution alongside supplying products to broker pools like Holver.

Others

• Swiss Life (parent group): Swiss Life is the European insurance and financial services parent of Swiss Life Select, one of Holvers main competitors. It is comparable as the broader group whose advisor network competes with Holvers broker pool model across CEE markets and product categories.

Market position

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xtwitter.com/holver_cz
• LinkedInlinkedin.com/company/holver-member-of-ette/posts/?feedView=all
• Instagraminstagram.com/holver_cz
• Facebookfacebook.com/holver.cz

Compliance1 record

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 holver