Alfa Consult NV

What Alfa Consult NV does

Alfa Consult NV is an independent Belgian mortgage and insurance brokerage and financial advisory firm founded in 1993 and headquartered in Gingelom, Belgium, with a second office in Hasselt. The firm operates as an FSMA-registered credit and insurance broker (krediet- en verzekeringsmakelaar) serving individuals, self-employed entrepreneurs, and real estate investors across Flanders, Wallonia, and Brussels. Its core proposition is independent — free from any single institutional tie — advisory across four product areas: mortgage credits (woonkredieten), wealth management (vermogensbegeleiding), self-employed financial guidance, and insurance products, including classical coverage plus Belgian Tak 21 (savings insurance), Tak 23 (investment-linked), and Tak 44 (blended) life insurance structures.

The firm deliberately avoids the classical dual-income / primary-residence borrower segment and instead targets non-standard profiles (self-employed, singles, older borrowers, blended families) and real estate investors seeking solutions that traditional bank agent channels do not offer. It also provides structured legal advisory on succession planning — including split purchases with children and corporate ownership structures — alongside Luxembourg-based insurance investment products. The practice is fundamentally a relationship-based, human-advisory business with no proprietary technology platform, no digital self-serve channel, and no AI-driven tooling.

Commercially, Alfa Consult earns revenue through brokerage commissions on placed mortgage loans and insurance products, supplemented by fees for bespoke financial, fiscal, and succession-planning advisory engagements. Distribution is exclusively direct: three principals (Peter Wolters, Alexander Wolters, Ivo Achten) personally serve clients via face-to-face consultation, phone, and email, supported by a content-rich website and an information database that generates inbound interest. The firm reports cumulative metrics of €250 million in active mortgage loans facilitated, more than 2,500 completed loans, and approximately 0.1% (one per mille) of the Belgian mortgage market — figures consistent with a stable, mature regional brokerage rather than a scaling franchise.

Name

Alfa Consult NV

Legal name

Alfa Consult NV

Website

https://alfaconsult.be

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Alfa Consult NV is an independent Belgian mortgage and insurance broker founded in 1993, serving self-employed individuals, non-standard borrowers, and real estate investors across Belgium with personalized advisory on real estate financing, insurance, and succession planning.

Ownership category

akta.pro rank

Product category

Financial Advisory & Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Insurance Agencies and Brokerages (524210), Portfolio Management and Investment Advice (52394)

SIC

Loan Brokers (6163), Investment Advice (6282), Services-Management Consulting Services (8742)

akta.pro primary industry

Estate Planning & Trust Structuring Advisory (FSAEAKAC)

akta.pro secondary industry

Financial Planning–Led RIAs (FSAAACAB)

Keywords

• Mortgage brokerage services
• Insurance brokerage services
• Wealth management advisory
• Financial planning services
• Real estate financing

Headquarters

HQ city

Gingelom

HQ country

Belgium

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Brokerage commissions on mortgage loans: Alfa Consult acts as an intermediary (kredietmakelaar) in mortgage credit, earning commissions from lenders for placing loans. This is the primary revenue driver, aligned with the firm's focus on real estate financing (woonkredieten).
2. Brokerage commissions on insurance products: The firm also acts as an insurance broker (verzekeringsmakelaar), earning commissions on placed insurance products including life insurance, savings insurance (tak 21/tak 23/tak 44), classic property and casualty coverage, and related risk products.
3. Financial and fiscal advisory fees: Beyond product intermediation, Alfa Consult provides structured advisory services in wealth management, succession planning, and corporate tax optimization, potentially generating fee-based revenue for bespoke consulting engagements.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Alfa Consult is an independent credit and insurance broker (onafhankelijk krediet- en verzekeringsmakelaar) in Belgium specializing in real estate financing. It places mortgage credits (woonkredieten) and insurance products (classic P&C, life, Tak 21 savings, Tak 23 investment, and combined Tak 44) across multiple providers, and complements intermediation with bespoke legal-structuring and fiscal advisory for self-employed entrepreneurs, non-standard borrowers, and real estate investors.

Product overview

Alfa Consult is an independent financial advisory firm (courtier indépendant) offering a comprehensive suite of financial services. The firm operates as a unified advisory practice organized around four core service areas: mortgage credits (Woonkredieten), wealth management (Vermogensbegeleiding), self-employed guidance (Begeleiding voor Zelfstandigen), and insurance services. Their insurance portfolio spans traditional coverage (Klassiek Verzekeren), savings insurance (Spaarverzekering/Tak 21), investment insurance (Beleggingsverzekering/Tak 23), and combined Tak 44 products. The firm emphasizes independent, personalized advice centered on the client's financial situation and goals, with a focus on real estate financing and investment solutions not typically available through traditional banking channels.

Differentiator

Problem solved

Functional benefit

Products and services

• Woonkredieten (Mortgage Credits)
• Vermogensbegeleiding (Wealth Management)
• Begeleiding voor Zelfstandigen (Self-Employed Guidance)
• Klassiek Verzekeren (Classic Insurance)
• Spaarverzekering (Savings Insurance - Tak 21)
• Beleggingsverzekering / Beleggen (Investment Insurance - Tak 23)
• Tak 44 (Combined Insurance Product)

Quantifiable outcome

• €250 million in active mortgage loans facilitated
• +2 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators4 records

Recent moves5 records

Expansion highlights3 records

Broad incumbents

• BNP Paribas Fortis: Largest Belgian bank and a major provider of mortgage and insurance products. It is a primary lender in the Belgian mortgage market where Alfa Consult intermediates.
• Argenta: Belgian retail bank and insurer offering mortgages, savings, and investment products. Part of the 'classical channel' against which Alfa Consult positions itself but operates in the same addressable market.
• KBC Bank: One of Belgium's largest retail banks with full mortgage, insurance, and wealth management offerings. It is part of the 'classical agent channel' that Alfa Consult positions itself against but is a key competitor for the same end customers.
• ING Belgium: Belgian branch of ING Group offering retail banking, mortgages, and insurance. Competes for Alfa Consult's target customers and is among the lenders the firm intermediates with.
• Belfius: Major Belgian retail bank offering mortgages, insurance, and wealth management services. Competes directly with Alfa Consult for Belgian mortgage and insurance customers and is among the lenders the firm intermediates with.

Emerging players

• Delen Private Bank: Belgian private bank specializing in wealth management and estate planning services. It addresses a similar high-net-worth and succession planning niche that Alfa Consult targets for its investor and wealth structuring clients.

Direct peers

• Portima: Belgian broker network and back-office platform supporting independent insurance and mortgage brokers in Belgium, providing infrastructure directly analogous to Alfa Consult's intermediary model.
• DVV Verzekeringen: Belgian insurance broker network offering personal and family insurance, financial, and mortgage advisory services to retail clients — directly comparable to Alfa Consult's insurance brokerage and advisory offerings.
• Hypotheek.wonem: Belgian independent mortgage broker platform operating in the same direct advisory intermediation model as Alfa Consult, helping retail and self-employed clients find mortgage solutions across multiple lenders.
• Vanbreda: Belgian insurance broker focused on personal and corporate insurance, with comparable advisory-led intermediation in the Belgian market. While larger, it addresses similar client needs to Alfa Consult.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/AlfaConsultIFS
• LinkedInlinkedin.com/company/alfa-consult-nv

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Alfa Consult NV