Verzekerings Collectief

What Verzekerings Collectief does

Verzekerings Collectief B.V. (also operating as VCKW - Verzekerings Collectief Kral Westen) is an independent financial advisory firm headquartered in Emmen, Netherlands, serving private individuals and businesses in the Drenthe region. The company was founded in 1998 and operates from a single office at Hoenderkamp 6, 7812 VZ Emmen, where 13 staff deliver face-to-face advisory across insurance, mortgages, banking, pensions, savings, credit, and financial planning. It is registered with the AFM (12002292), KvK (4075975), and Kifid (300.000212), and holds professional certifications including Erkend Hypotheek Adviseur (SEH), Registered Life Planner (RLP), Gecertificeerd Risk Management Consultant (GRMC), Registeradviseur Verzuim & Inkomen (RVI), and ADFIZ membership.

The firm's product portfolio spans core insurance categories (healthcare, funeral, home, legal, traffic, recreation), mortgage advisory, pension planning (individual and employee), savings, credit, and business-specific services such as risk analysis, employee benefits, and WGA/Ziektewet self-insurance advisory. The technology stack is conventional: a website with online premium calculator, email ([email protected]), phone (0591-658 888), and a digital loyalty card (VC-Pas) supporting the Hondsrug Voordeelpakket bundled insurance offering with up to 10% package discounts.

Verzekerings Collectief generates revenue through two primary streams: advisory fees for financial planning services (pay-as-you-go engagement pricing, e.g., €500 for WGA/Ziektewet quotes, €1,000 for comprehensive disability reports) and recurring commissions from placing customers with insurance providers and banks. Its core partnerships include RegioBank (as Zelfstandig Adviseur for banking products) and Hondsrug Assuradeuren (a regional insurance pool enabling competitive package pricing). The go-to-market is office-based direct advisory supplemented by home visits, with marketing driven by regional community sponsorships, content publishing, and word-of-mouth referrals rather than digital acquisition channels.

Name

Verzekerings Collectief

Legal name

Verzekerings Collectief B.V.

Website

https://vcemmen.nl

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

Verzekerings Collectief is an independent financial advisory firm based in Emmen, Netherlands, providing insurance, mortgage, banking, pension, and financial planning services to private individuals and small businesses across the Drenthe region through a 13-person in-person advisory team.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

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

akta.pro primary industry

Captive Insurance Advisory & Management (FSAEADAF)

akta.pro secondary industry

Fee-Based Advisory (FSAEAAAM)

Keywords

• Financial advisory services
• Insurance brokerage
• Mortgage advisory
• Pension planning
• Risk management consulting

Headquarters

HQ city

Emmen

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. Financial Advisory Fees: Revenue generated from advisory fees for comprehensive financial planning and consulting services. Specific fee structures mentioned: €500 ex BTW for WGA/Ziektewet quote services, €1,000 for comprehensive advice reports on disability and illness risk management.
2. Insurance and Financial Product Commissions: Commissions earned from placing customers with insurance providers and financial product providers. As an independent advisor, they work with multiple insurers and banks including RegioBank for banking services.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels4 records

Core offering

Verzekerings Collectief is an independent financial advisory firm in Emmen, Netherlands, providing face-to-face advisory services on insurance, mortgages, banking, and financial planning for both private individuals and businesses. The firm places clients with multiple insurers and banks, earning advisory fees and commissions, and offers bundled products such as the Hondsrug Voordeelpakket with package discounts. A team of 13 certified advisors delivers personalized risk analysis, pension planning, mortgage advice, and claims handling support.

Product overview

Verzekerings Collectief operates as an independent financial advisory firm offering a comprehensive suite of financial services for both private individuals and business clients. The core offering consists of insurance products, mortgage advisory services, and financial planning, all delivered through a network of 13 specialized advisors. The company provides individual products for specific needs (insurance, mortgages, pensions, savings, credit, healthcare, funeral, home, legal, auto, and travel coverage) as well as bundled solutions like the Hondsrug Voordeelpakket which packages multiple insurance types with package discounts and the VC-Pas loyalty card for regional discounts. Business services include employee benefits, risk analysis, business insurance, employee pensions, and WGA/Ziektewet self-insurance advisory.

Differentiator

Problem solved

Functional benefit

Products and services

• Verzekeringen (Insurance Advisory)

Quantifiable outcome

• Package discounts up to 10% for bundled insurance products

Named customers2 records

Segments3 records

Ideal customer profiles2 records

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 core and minor.

• RegioBankcoreChannel Partner/ Reseller/ DistributorVerzekerings Collectief operates as 'Zelfstandig Adviseur van RegioBank', providing banking services including savings accounts and basic banking products alongside their insurance and mortgage advisory services. This partnership enables them to offer comprehensive financial services under one roof.
• Hondsrug AssuradeurencoreChannel Partner/ Reseller/ DistributorThrough Hondsrug Assuradeuren, Verzekerings Collectief is able to place customers with optimal insurers. This regional insurance pool allows them to offer competitive package discounts up to 10% through the Hondsrug Voordeelpakket.
• Stichting A21minorOthersSocial responsibility partnership supporting anti-human trafficking efforts. The management team participates in fundraising events including the Alexander the Great Marathon in Thessaloniki to raise funds and awareness for the organization.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Market position

Competitive moat4 records

Key highlights7 records

Customer concentration

• Xx.com/VerzekeringsCol
• Facebookfacebook.com/pages/Verzekerings-Collectief/152548401508879
• LinkedInlinkedin.com/company/verzekerings-collectief

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 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 Verzekerings Collectief