Bemelmans

What Bemelmans does

Bemelmans was a Dutch private limited company (B.V.) financial advisory firm headquartered in Kerkrade, the Netherlands, operating under AFM license 12008082 and KVK registration 23034619. It served both retail (Particulier) and business (Zakelijk) customers through a single physical office, telephone advisory, and an online appointment/quote channel. The firm's product portfolio spanned four insurance pillars — Leven (life, annuity, survivors, death risk, funeral), Onderweg (auto, trailer, van, boat, moped, caravan, bicycle, motorcycle, classic car, roadside assistance), Op reis (cancellation, annual travel, short-trip, vacation home), and Wonen (household contents, buildings, housing costs, pet) — alongside Hypotheken (mortgages), Leningen (loans), and Makelaardij (real estate brokerage). Distribution rested on a sales-led GTM combining walk-in office visits, inside-sales phone advisory, and self-service options via the MijnFidus customer portal (mijn.fidus.nl).

The underlying technology stack is conventional for a Dutch intermediary: a branded website (fidus.nl), a self-service customer portal, and online forms for quotes, appointments, claims, and policy changes; no proprietary core platform, app, API, or SDK is disclosed. The business model is a commission-based brokerage/advisory model in which Bemelmans acts as an intermediary placing insurance, mortgage, and loan products with third-party providers on behalf of retail and small-business clients, with revenue tied to commissions on products sold rather than disclosed subscription or transaction fees.

On 15 January 2024, Bemelmans was acquired by and rebranded to Fidus Kerkrade, rolling its operations, customers, and product offering into Fidus B.V. The stated rationale was to give customers access to the most complete product offering at the best terms by combining Bemelmans' advisory franchise with Fidus' broader network, while maintaining continuity of service and local presence in Kerkrade. Following the rebrand, the Bemelmans legal identity was absorbed into Fidus B.V., and standalone operating data for the Bemelmans franchise is no longer separately tracked.

Name

Bemelmans

Legal name

Fidus B.V.

Website

https://bemelmans.net

Company type

Private

Operating status

Acquired

Headcount range

11–50 employees

Short description

Bemelmans was a Kerkrade-based Dutch financial advisory firm offering retail and business clients insurance, mortgages, loans, and real estate brokerage on a commission basis. In January 2024 it was acquired by Fidus and now operates as Fidus Kerkrade.

Ownership category

akta.pro rank

Product category

Insurance and Financial Advisory Brokerage

NAICS

Insurance Agencies and Brokerages (52421), Offices of Real Estate Agents and Brokers (53121), Portfolio Management and Investment Advice (523940)

SIC

Insurance Agents, Brokers & Service (6411), Loan Brokers (6163), Real Estate Agents & Managers (For Others) (6531)

akta.pro primary industry

Estate Planning & Trust Structuring Advisory (FSAEAKAC)

akta.pro secondary industry

Real Estate Investment Advisory (Acquisitions/Dispositions, Capital Allocation) (BPAJANAA)

Keywords

• Financial advisory services
• Insurance brokerage
• Mortgage advisory
• Loan services
• Real estate brokerage

Headquarters

HQ city

Kerkrade

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 and Brokerage Services: The company provides financial advisory services and acts as an intermediary/broker for insurance products, mortgages, and loans, likely earning commissions on products placed with providers.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels2 records

Core offering

Bemelmans operated as a Dutch financial advisory and brokerage intermediary placing insurance, mortgage, loan, and real estate products with providers for individual (Particulier) and business (Zakelijk) customers in Kerkrade. The firm held an AFM financial advisory license and distributed a comprehensive range of personal lines, property, vehicle, travel, and life insurance alongside mortgages, loans, and real estate brokerage services. Following the 15 January 2024 rebrand, the entity now operates as Fidus Kerkrade under parent Fidus B.V.

Product overview

Bemelmans (now Fidus Kerkrade) is a Dutch financial services company offering a comprehensive range of insurance, mortgage, loan, and real estate brokerage products. The product portfolio spans four main insurance categories: Leven (life insurance including annuity, survivors, death risk, and funeral coverage), Onderweg (vehicle insurance for cars, motorcycles, boats, bicycles, and roadside assistance), Op reis (travel insurance for cancellation, annual, and short-trip coverage), and Wonen (home insurance for household contents, buildings, and pets). Additional core offerings include Hypotheken (mortgages), Leningen (loans), and Makelaardij (real estate brokerage). The company also provides a customer portal called MijnFidus for online account management. The company rebranded from Bemelmans to Fidus Kerkrade effective January 15, 2024, as part of a market consolidation to provide customers with a more complete offering.

Differentiator

Problem solved

Functional benefit

Products and services

• Leven (Life Insurance) Life insurance coverage spanning annuity insurance (lijfrente), survivors insurance (nabestaanden), death risk insurance (overlijdensrisico), and funeral insurance (uitvaart), distributed to Dutch retail customers through advisory placement.
• Onderweg (Vehicle Insurance) Vehicle insurance for cars, trailers, vans, boats, mopeds, caravans, bicycles, recreational vehicles, motorcycles, classic cars, and roadside assistance, distributed to Dutch retail customers.
• Op reis (Travel Insurance) Travel insurance products including cancellation insurance, annual travel insurance, short-trip travel insurance, and vacation home insurance, distributed to Dutch retail customers.
• Wonen (Home Insurance) Home-related insurance including household contents (inboedel), buildings (opstal), housing costs (woonlasten), and pet insurance, distributed to Dutch retail customers.
• Hypotheken (Mortgages) Mortgage advisory and brokerage products for home financing, distributed to Dutch retail and business customers via the Fidus.nl website.
• Leningen (Loans) Various loan products for personal and business financing needs, distributed to Dutch retail and business customers via the Fidus.nl website.
• Makelaardij (Real Estate Brokerage) Real estate brokerage services for buying and selling residential and commercial properties in the Dutch market.
• Zakelijk Zakelijke Verzekeringen (Business Insurance) Business insurance products for commercial clients covering business risk management and employee benefits, distributed via the dedicated Zakelijk section of the Fidus website.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves5 records

Expansion highlights3 records

Broad incumbents

• Rabobank: Major Dutch retail and commercial bank with broad mortgage, insurance, and financial advisory offerings. Comparable as a large institution offering competing financial products and advisory services across the Dutch retail market.
• a.s.r. Nederland: Large Dutch insurance company with broad life, property & casualty, and retirement offerings. Comparable as a key product provider whose products flow through Dutch intermediary channels such as Fidus Kerkrade.
• ABN AMRO: Dutch bank providing mortgages, insurance, and wealth services to retail and SME customers. Comparable as a competing financial services provider in the Dutch market, with overlap in mortgage and insurance advisory.
• Centraal Beheer (Achmea): Dutch insurance provider within the Achmea group serving both retail and business customers with insurance and financial products. Comparable as a Dutch retail insurance brand competing for the same household-level policies.
• ING Nederland: Major Dutch bank offering mortgages, insurance, and investment products to retail and business customers. Comparable as a competing provider of financial products that Fidus Kerkrade intermediated on behalf of other providers.
• Nationale-Nederlanden (NN Group): Major Dutch insurance and financial services group offering life, non-life, and banking products directly and through intermediaries. Directly comparable as a primary product provider whose policies Fidus Kerkrade intermediates.
• Allianz Nederland: Dutch subsidiary of global insurer Allianz offering life, health, and property & casualty products. Comparable as an upstream insurance product provider whose policies are placed through Dutch intermediaries like Fidus Kerkrade.

Emerging players

• Independer: Dutch online insurance and financial product comparison platform enabling direct consumer purchasing. Comparable as a structural disruptor of the traditional intermediary model, competing for the same retail insurance leads.

Direct peers

• Univé: Dutch cooperative insurance and financial services provider offering retail insurance products through both direct channels and advisors. Directly comparable as a competitor for Dutch household insurance, mortgage, and financial advisory business.
• Hypotheker: Specialized Dutch mortgage intermediary with a national franchise network of local advisors. Directly comparable as a regional mortgage advisor competing for the same Dutch retail mortgage customers.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/bemelmans

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

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 Bemelmans