Frisia Verzekeringen

What Frisia Verzekeringen does

Frisia Verzekeringen is an independent insurance, mortgage, and financial advisory firm headquartered at Javastraat 1-A in The Hague, Netherlands. Founded around 1980 and operating for more than 45 years, the firm serves private individuals (Particulieren), businesses (Zakelijk), Expats, and specialized medical professionals (Medici en Paramedici, including midwives and VvOCM members), with a dedicated auto-insurance offering for DAS Import customers. Its core product set spans personal and business insurance lines, mortgage origination and ongoing servicing (including the Frisia Hypotheken Serviceabonnement), business financial advice covering corporate financing and risk management, and pension and employee-benefit solutions. The only disclosed technology asset is the ANVA customer tracking system, used for client data management and GDPR-aligned personal data processing; no proprietary software, app, or AI/ML capability is referenced.

The firm operates a sales-led, advisory-first GTM motion: there is no online self-service purchasing, and every product flows through personal consultations at the The Hague office, by phone, or by email, with a non-binding introductory meeting. Revenue is generated through a mix of commission from insurers and lenders, fixed customer fees, and hourly billing, applied across multiple product lines rather than via a single anchor customer. Marketing is limited to a content-driven website, periodic news articles on insurance and mortgage topics, and an organic Facebook presence. The team comprises approximately 14 staff under family-managed leadership (Directors Arjan van Eeden and Rik van Eeden, with Monique van der Salm as actual proxy leader), and the firm holds KIFID affiliation (notification 300.002.512) for independent dispute resolution.

Frisia is privately held with no venture, private equity, or institutional investor involvement disclosed, and there are no subsidiaries, funding rounds, M&A events, or leadership changes on record. Strategic activity centers on niche segment build-out (Expats, medical professionals, DAS Import auto) and the introduction of the recurring mortgage service subscription, rather than on geographic, channel, or technology expansion. The firm is part of a broader Frisia group that includes Frisia Makelaars (real estate), Frisia Assuradeuren, and Java Vastgoedleningen, suggesting cross-entity referral synergies within the local The Hague ecosystem.

Name

Frisia Verzekeringen

Legal name

Frisia Verzekeringen

Website

https://frisiaverzekeringen.nl

Company type

Private

Founded year

1980

Operating status

Operating

Headcount range

11–50 employees

Short description

Frisia Verzekeringen is an independent insurance, mortgage, and financial advisory firm in The Hague, Netherlands, serving private individuals, businesses, Expats, and medical professionals through personalized advisory across multiple Dutch insurers and lenders.

Ownership category

akta.pro rank

Product category

Insurance Brokerage and Financial Advisory

NAICS

Insurance Agencies and Brokerages (52421), Mortgage and Nonmortgage Loan Brokers (522310), Portfolio Management and Investment Advice (52394)

SIC

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

akta.pro primary industry

Risk Management & Insurance Advisory for Families (FSAAADAK)

akta.pro secondary industries

Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH), Retirement & Distribution Planning RIAs (401(k)/IRA/Pension Rollovers) (FSAAACAE)

Keywords

• Insurance brokerage services
• Mortgage advisory
• Financial planning advice
• Business insurance solutions
• Pension advisory services

Headquarters

HQ city

The Hague

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, Infrastructure

Revenue model

1. Advisory Services Revenue: Remuneration consists of commission from providers, fixed fees from customers, hourly billing, or a combination thereof. The company acts independently and objectively in the interests of customers.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Frisia Verzekeringen is an independent insurance and mortgage advisory firm that brokers and advises on personal and business insurance products, mortgages, pensions, and broader financial planning. It compares offerings across multiple insurers and financial institutions, providing personalized consultations from its office in The Hague, supplemented by ongoing claims handling and a subscription-based mortgage maintenance service.

Product overview

Frisia Verzekeringen is an independent financial advisory firm offering a comprehensive portfolio of insurance, mortgage, and financial planning services from its office in The Hague. The core offerings include Hypotheken (mortgages) with a service subscription for ongoing management, Verzekeringen (insurance) covering personal and business lines, Zakelijk financieel advies (business financial advice) for corporate financing and risk management, Pensioen- en Medewerkervoorzieningen (pension and employee benefits), and general Financieel advies (financial advice). Specialized products target specific segments including Medici en Paramedici (medical professionals), Expats, and DAS Import auto insurance customers. The firm operates independently of insurers and financial institutions, providing personalized advisory services built on over 40 years of experience.

Differentiator

Problem solved

Functional benefit

Products and services

• Hypotheken (Mortgages) Independent mortgage advisory service offering personalized advice, comparison across multiple lenders, and step-by-step guidance from initial orientation through application at the lender. Targeted at private individuals purchasing or refinancing homes in the Netherlands.
• Verzekeringen (Insurances) Independent insurance brokerage across personal lines including home contents, vehicle, travel, household, and valuables insurance. Targeted at Dutch private individuals seeking coverage comparison and personalized advice.
• Zakelijk financieel advies (Business Financial Advice)

Segments4 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered minor.

• DAS ImportminorGTM or Marketing PartnerFrisia Verzekeringen has partnered with DAS Import, a reliable organization with over 15 years of experience in car importing. They provide the best advice for personal auto insurance situations for DAS Import customers. The partnership has been active for several years.
• VvOCM (Vereniging van Orthomoleculaire Artsen)minorGTM or Marketing PartnerFrisia Verzekeringen offers special rates for midwives and VvOCM members. The insurance protects income and future, providing expert preventive support and reintegration specialists if needed.
• Söderberg & PartnersminorOthersWebsite development and maintenance partner as indicated by 'Website by Söderberg & Partners' on the footer of the website.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Pricewise: Dutch online comparison platform for insurance, mortgages, and energy. Represents the digital self-service channel that competes with Frisia's traditional advisory model and exposes disintermediation risk for commoditized lines.

Direct peers

• Klap Verzekeringsmakelaar: Independent Dutch insurance broker serving both individuals and businesses, providing advisory across personal lines and commercial risk. Closest mid-sized Dutch independent broker to Frisia's go-to-market model.
• MeesRisicobeheer: Dutch independent insurance and risk advisory firm serving SMEs and entrepreneurs. Closely comparable advisory-led model focused on insurance placement and risk management for businesses.

Broad incumbents

• Rabobank (Insurance & Mortgage advisory): Dutch cooperative bank offering bundled insurance, mortgage, and pension advisory to retail and SME customers. Major competitor in the Dutch advisory channel with branch-network reach Frisia lacks.
• Nationale-Nederlanden: Major Dutch life and non-life insurer offering personal insurance, mortgages, and pension products. A leading carrier counterparty for Dutch brokers like Frisia and a direct competitor in personal lines distribution.
• Voogd & Voogd: One of the largest independent Dutch insurance brokers and risk advisors, offering personal, business, and specialty lines plus employee benefits — comparable business model and product breadth, but at materially greater scale than Frisia.
• Marsh Nederland: Global insurance broker's Dutch arm offering commercial insurance, risk management, and employee benefits advisory. Operates in the same Dutch risk advisory space with a heavier enterprise/SMB focus.
• Nedasco: Dutch insurance service provider supporting independent advisors and direct customers across personal, business, and mortgage products. Directly comparable service portfolio to Frisia, including mortgage advisory alongside insurance.
• Aon Netherlands: Global insurance and reinsurance broker with a Dutch operation offering risk, insurance, and pension advisory. Comparable advisory services at significantly larger scale and international reach.
• Univé: Large Dutch insurance mutual offering personal and business insurance, mortgage, and financial advice. Competes with Frisia in the Dutch advisory market with significantly larger scale and brand presence.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/frisiaverzekeringenenhypotheken
• LinkedInlinkedin.com/company/frisia-verzekeringen

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 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 Frisia Verzekeringen