Comfort Finance AG

What Comfort Finance AG does

Comfort Finance AG is referenced in firmographic data with website https://www.comfort-finance-ag.de/, but the substantive source material and all disclosed business information describe a separate legal entity, VB Select AG (Löhrstraße 2, 04105 Leipzig, Germany), operating a financial advisor network for bank and insurance professionals. The business is built around a two-entity architecture: VB Select AG functions as the network coordinator and contractually bound intermediary under § 3 Abs. 2 WpIG, providing investment advisory and brokerage on the BaFin-licensed liability umbrella of NFS Netfonds Financial Service GmbH, while VB Select Finance AG operates as a legally independent broker under § 93 HGB (German Commercial Code) acting on its own account and liability.

The network delivers 360° financial advisory to private clients across five pillars — investment, insurance, provision & emergency planning, financing, and real estate — by combining a broad product shelf (access to over 12,000 regulated investment funds including ETFs and asset-class funds, and over 600 financing partners under a "Best-Select" principle) with a specialist circle that lets individual Kooperationspartner focus on their core competence while drawing on internal specialists for adjacent topics. The go-to-market is partner-recruitment driven: independent bank and insurance professionals (Kooperationspartner) join the network, retain direct client relationships, and use VB Select's framework, specialist support, and regulated securities access to serve retail clients across Germany. The company operates with approximately 10 employees, is privately held with no public listing, has no subsidiaries, and reports no funding rounds, M&A, or leadership changes in the source data.

Economically, VB Select AG sits as a network coordinator rather than a direct transacting broker; revenue mechanics are not disclosed in source material but would plausibly derive from partner onboarding, network/overhead fees, override-style economics on referrals routed through the NFS Haftungsdach, and internal specialist services billed to partners. There is no disclosed pricing model, no named enterprise customers, no AI/automation tooling, and no headcount or revenue series — limiting any quantitative read on scale. Note the unresolved data discrepancy: the company is titled "Comfort Finance AG" in firmographics while the underlying legal name and source content identify the operating business as "VB Select AG"; the relationship between the two entities is not clarified in the input data.

Name

Comfort Finance AG

Legal name

VB Select AG

Website

https://comfort-finance-ag.de

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

VB Select AG operates a German financial advisor network for bank and insurance professionals, providing 360° advisory across investment, insurance, financing, and real estate to private clients via independent Kooperationspartner under a BaFin-licensed liability umbrella.

Ownership category

akta.pro rank

Headquarters

HQ city

Leipzig

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Distribution channels1 record

Marketing channels2 records

Core offering

Comfort Finance AG operates a 360° financial advisory network through its VB Select AG and VB Select Finance AG entities, providing private clients with holistic financial advice covering investment (access to over 12,000 regulated investment funds including ETFs), insurance, financing (via over 600 financing partners), real estate, and provision/emergency planning. Advisory is delivered via a network of independent bank and insurance professionals who leverage in-house specialists to cover all financial topics for the end client.

Product overview

VB Select AG operates as a unified consultant network platform with two primary entities: VB Select AG serves as the core consultant network providing investment advisory and distribution services (as a contractual bound agent under § 3 Abs. 2 WpIG, operating under the liability umbrella of NFS Netfonds Financial Service GmbH), while VB Select Finance AG functions as a legally independent broker entity providing services on its own account and liability. The network enables advisors to offer comprehensive 360° financial advisory services by combining specialists across investment (access to 12,000+ regulated investment funds), insurance, financing (600+ financing partners), real estate, and provision & emergency planning.

Differentiator

Problem solved

Functional benefit

Products and services

• Investment Advisory Services

Segments1 record

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.

• NFS Netfonds Financial Service GmbHcoreStrategic or Co-development PartnerVB Select AG operates as a contractually bound intermediary (vertraglich gebundener Vermittler) under § 3 Absatz 2 WpIG for NFS Netfonds Financial Service GmbH. NFS serves as the liability umbrella and Wertpapierinstitut licensed by BaFin, providing regulatory backing for securities advisory and brokerage services.
• 12,000+ Regulated Investment FundscoreOthersAccess to over 12,000 regulated investment funds including ETFs and asset class funds, enabling comprehensive investment advisory services.
• 600+ Financing PartnerscoreChannel Partner/ Reseller/ DistributorAccess to over 600 financing partners for customized financing solutions following Best-Select principle for optimal client outcomes.

Recent moves1 record

Expansion highlights4 records

Emerging players

• Scalable Capital: German robo-advisor platform providing digital investment advisory for individual clients with substantially lower fees. Targets the same individual-client segment via a digital-only model that pressures traditional advisor network economics.
• Trade Republic Bank GmbH: German direct-to-consumer broker expanding into investment-adjacent advisory features, targeting the same individual client segment with fee structures that compress the economics of traditional advisor networks like VB Select.
• Finanzcheck Vergleichsportal GmbH: German online comparison platform for financing, insurance and investment products — an emerging self-service alternative for individuals seeking product selection without an advisor relationship, overlapping with VB Select's intermediary proposition.

Direct peers

• MLP SE: Publicly listed German financial advisory firm operating a branch-based advisor network covering investment, insurance, retirement and financing for individuals — directly comparable to VB Select's 360° advisory model.
• Dr. Klein Privatkunden AG: German financial advisory firm covering financing, insurance and investment through an intermediary network serving individual clients, with comparable product breadth and customer segment to VB Select.
• Honorarfinanz AG: German fee-based financial advisor network operating a comparable holistic advisory model with explicit fee transparency — comparable in advisor-network delivery and product breadth.
• Swiss Life Select GmbH: German financial advisory network using a Kooperationspartner model with structured specialist support, comparable in operating model, customer segment and product breadth covering investment, insurance and financing.
• Deutsche Vermögensberatung (DVAG): Germany's largest independent financial advisor network. Directly comparable on the structural model of recruiting bank and insurance professionals and providing coordinated holistic advice to individuals across investment, insurance, financing and retirement.
• A.S.I. Wirtschaftsberatung AG: German financial advisory firm with a multi-entity legal structure comparable to VB Select AG / VB Select Finance AG and a similar holistic advisory approach across investment, insurance and financial planning.

Others

• NFS Netfonds Financial Service GmbH: BaFin-licensed Wertpapierinstitut serving as the regulatory liability umbrella for VB Select AG and other contractually bound intermediaries under § 3(2) WpIG — an infrastructure/administrative partner that supplies the regulatory coverage enabling VB Select's securities-advisory vertical.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• LinkedInlinkedin.com/company/comfort-finance-ag

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 Comfort Finance AG