AKV

What AKV does

AKV (legal name: AKV Financiële Diensten) is a privately-held Dutch financial advisory firm headquartered in Ridderkerk, Zuid-Holland, founded in 1980. The firm operates as a licensed financial intermediary (tussenpersoon) advising private individuals and business clients across three integrated service pillars: insurance (Particulier and Zakelijk products), mortgage advisory (Hypotheekadvies for starters, movers, and refinancing), and a consultancy arm covering business advice (Bedrijfsadvies), legal advice (Juridisch Advies), and real estate (Vastgoed), with a specialized business risk management practice (Risicomanagement/Risicobeheer) layered on top. Headcount is reported at 21 employees, with six named client-facing professionals visible on the website, including family members (Kleine / Kleine-Molegraaf) and advisors across insurance, business financing, real estate/mortgage, and office management.

The business model is commission- and fee-based intermediation: AKV earns commissions from insurers and financial institutions for placing insurance and mortgage products on behalf of clients, supplemented by advisory fees on consultancy engagements. Pricing is quote-based and tailored per engagement, with multi-year contract cadences typical of policy and mortgage relationships. Go-to-market is direct-to-client, delivered through a single physical office in Ridderkerk, supplemented by phone, WhatsApp Business, email, a website contact form, and a self-service customer portal (Mijn AKV). Marketing is centered on the akv.nl website, including educational news articles segmented for private and business audiences, social sharing mechanics, and a newsletter subscription funnel.

The firm does not disclose revenue, has no institutional investors, parent entities, or acquisition history, and operates exclusively within the Netherlands. Customer concentration is diversified by design across private individuals and SMB/entrepreneurial clients in the South Holland region, with no named enterprise logos. There is no disclosed use of proprietary technology platforms, AI/ML capabilities, patents, trademarks, or third-party integrations beyond the standard insurer/mortgage product distribution relationships and a customer self-service portal.

Name

AKV

Legal name

AKV Financiële Diensten

Website

https://akv.nl

Company type

Private

Founded year

1980

Operating status

Operating

Headcount range

11–50 employees

Short description

AKV is a privately-held Dutch financial advisory firm, founded in 1980 and based in Ridderkerk, that acts as a licensed intermediary providing insurance, mortgage, and business consultancy services to private individuals and SMB/entrepreneur clients across the South Holland region of the Netherlands.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242), Offices of Lawyers (541110)

SIC

Insurance Agents, Brokers & Service (6411), Loan Brokers (6163), Services-Legal Services (8111)

akta.pro primary industry

Captive Insurance Advisory & Management (FSAEADAF)

Keywords

• Financial advisory services
• Insurance brokerage
• Mortgage advisory
• Business risk consulting
• Financial intermediation

Headquarters

HQ city

Ridderkerk

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 Services: AKV generates revenue through advisory fees and commissions for facilitating financial products including insurance policies, mortgages, and other financial instruments. As a financial intermediary (tussenpersoon), they earn commissions from insurers and financial institutions for products placed on behalf of clients.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

AKV is a financial intermediary (tussenpersoon) that advises private individuals and business clients on insurance, mortgages, and related financial matters. The firm places insurance policies and mortgage products with various insurers and lenders on behalf of clients, and supplements these with business consultancy, legal advisory, and real estate services. Revenue is generated through advisory fees and commissions on placed products, delivered via in-person, phone, WhatsApp, and customer portal channels.

Product overview

AKV is an all-round financial advisory firm based in Ridderkerk, Netherlands, operating since 1980. The company offers a unified portfolio of financial services organized around three core pillars: insurance products (Particulier for private clients and Zakelijk for business clients), mortgage advisory services (Hypotheekadvies), and consultancy services. The consultancy division includes business consulting (Bedrijfsadvies), legal advisory (Juridisch Advies), and real estate services (Vastgoed). The risk management offering (Risicomanagement/Risicobeheer) provides specialized risk analysis and business continuity planning for business clients. The company positions itself as a one-stop advisory solution where private individuals and entrepreneurs can access insurance, mortgage, and business advisory services through a single provider.

Differentiator

Problem solved

Functional benefit

Products and services

• Particuliere verzekeringen (Private Insurance) Insurance products and advisory services for private individuals, covering personal risks such as home, auto, health, and liability; delivered through personal advisor consultations.
• Zakelijke verzekeringen (Business Insurance) Business insurance solutions covering company assets, employees, liability, and business continuity risks for entrepreneurs and SMEs, placed via AKV as intermediary.
• Hypotheekadvies (Mortgage Advisory) Mortgage advice and brokerage services for private clients, covering first-time buyers (starters), movers (doorstromers), refinancing (oversluiten), mortgage types, and current mortgage rate overviews.
• Bedrijfsadvies (Business Consulting) Strategic and operational business advisory services for entrepreneurs and business owners, forming part of AKV's consultancy offering beyond insurance and mortgages.
• Juridisch advies (Legal Advisory) Legal advisory services for business clients, covering legal questions relevant to their entrepreneurial activities as part of AKV's consultancy offering.
• Vastgoed (Real Estate Advisory) Real estate advisory and consulting services for businesses and entrepreneurs, covering real estate decisions tied to commercial activities.

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

One partnership is on record.

• Insurers and Financial Institutions (unspecified)coreOthersAKV acts as a financial intermediary (tussenpersoon) working with various insurers and financial institutions to place insurance policies and facilitate mortgage products for their clients. Specific partner names are not disclosed on their website.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Direct peers

• Hypotheekshop: Dutch mortgage and insurance intermediary franchise with a comparable regional-office model. Overlaps with AKV on mortgage advisory plus private insurance placement, particularly for starters and 'doorstromers'.
• Univé: Dutch mutual insurance and advisory group operating regional offices. Competes directly with AKV on private and business insurance distribution in the Dutch regional market.
• De Hypotheker: Largest Dutch independent mortgage broker network with franchise offices across the Netherlands. Directly competes with AKV's Hypotheekadvies service on residential mortgage placement and advisory in the same mid-market segment.

Broad incumbents

• Aon Netherlands: Global insurance broker with a large Dutch commercial-insurance practice. Overlaps with AKV's Zakelijk insurance and risk management offering but serves predominantly larger corporate clients nationwide.
• ABN AMRO: Major Dutch bank providing insurance, mortgage, and business advisory services. Competes with AKV across the integrated insurance-plus-mortgage value chain, though at much larger scale.
• Rabobank: Leading Dutch cooperative bank with extensive mortgage and insurance distribution through its local branches. Directly overlaps with AKV's mortgage and insurance advisory for both private and business customers.
• ING Bank Verzekeren: Major Dutch bank offering bundled mortgage and insurance products directly to consumers and businesses. Competes with AKV on the same private and SMB advisory territory through a much larger direct-plus-intermediary model.
• Marsh Nederland: Global risk and insurance broker with Netherlands operations. Competes with AKV's business-insurance and risk-management advisory for mid-market and enterprise clients across the country.

Others

• Pricewise: Dutch online comparison platform for insurance, mortgage, and energy products. Indirectly competes with AKV by enabling consumer self-service that bypasses traditional advisory intermediaries.
• Independer: Dutch online insurance and financial-services comparison and switching platform. Adjacent to AKV as a digital alternative to in-person advisory for the same insurance and mortgage products.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/sharer.php
• LinkedInlinkedin.com/company/akv-groep
• Xx.com/tweet

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 AKV