Froonacker Van de Witte Assurantiën B.V.

What Froonacker Van de Witte Assurantiën B.V. does

Froonacker Van de Witte Assurantiën B.V. is an independent Dutch insurance and financial advisory broker headquartered at Voorstraat 61 in Franeker, Friesland. Operating for nearly 80 years (founded 1945, formed through the 2009 merger of Assurantiebedrijf Froonacker and Van de Witte Assurantiën), the firm serves both private individuals (Particulieren) and businesses (Zakelijk) across the Netherlands, with primary geographic concentration in Friesland. It holds an AFM license (vergunningnummer 12048249) and is a member of Adfiz, NLG, and Kifid. Since 2023 the company has operated within the NDB Groep collaboration, and in April 2025 it transitioned its underwriting and policy-administration functions to DiVerz!, the group's authorized managing general agency.

The firm's product portfolio spans three core pillars. Zakelijke Verzekeringen covers business liability, property, transport, construction, environmental, legal, cyber, employee benefits and pension insurance. Particuliere Verzekeringen covers home, contents, liability, accident, health, vehicle, travel and life/pension products. Hypotheken delivers independent mortgage advice for first purchases, refinancing, relocation and divorce-related scenarios. Supporting digital service features include the Jodomyn.nl customer policy portal, online damage-reporting forms, FinConnect-integrated motor-vehicle quote/changes forms, value calculators, and a premium-collection service (€2.09 per policy per payment term). The technology stack is intentionally lightweight: the firm explicitly rejects automated self-service in favor of personal advisory contact via phone, WhatsApp, email and walk-in visits.

The business model is commission-based insurance intermediation, supplemented by advisory fees on mortgages and financial planning, plus unit-based collection services. All advisors receive fixed salaries only (no variable compensation), positioning the firm as conflict-free under Wft Article 1:120. Go-to-market is sales-led and referral-driven through the Big Twenty regional business network and word-of-mouth; the firm does not transact policies online. It is privately held, founder/family-influenced, and structurally integrated within the NDB Groep while retaining local operational autonomy.

Name

Froonacker Van de Witte Assurantiën B.V.

Legal name

Froonacker Van de Witte Assurantiën B.V.

Website

https://frovdw.nl

Company type

Private

Founded year

1945

Operating status

Operating

Headcount range

11–50 employees

Short description

Froonacker Van de Witte Assurantiën B.V. is a Friesland-based independent Dutch insurance and financial advisory broker serving private individuals, businesses, and mortgage clients with personal advisory sales across personal lines, commercial lines, and mortgage products.

Ownership category

akta.pro rank

Product category

Insurance Brokerage and Financial Advisory

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Captive Insurance Advisory & Management (FSAEADAF)

Keywords

• Insurance brokerage
• Financial advisory
• Mortgage advisory
• Risk management
• Premium collection

Headquarters

HQ city

Franeker

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Intermediation & Advisory: Commissions and advisory fees from placing insurance policies with insurers for both personal (particulier) and business (zakelijk) customers. The company acts as an independent broker and is a Gevolmachtigd Agent for certain insurers through DiVerz!
2. Collection Services: Collection of insurance premiums on behalf of insurers, charging a small fee per policy or package per payment term.
3. Mortgage and Financial Advisory: Independent mortgage advice and financial planning services, including pension advisory and income planning.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Froonacker Van de Witte Assurantiën B.V. is an independent Dutch insurance and financial advisory intermediary that places personal and business insurance policies with insurers, advises on mortgages and financial planning, and provides premium collection services on behalf of insurers. Operating from Franeker, Friesland, the firm sells a full portfolio of insurance solutions for households and companies and supports them with claims handling via its Authorized Agent partner DiVerz! (NDB Groep).

Product overview

Froonacker Van de Witte Assurantiën B.V. is a traditional insurance and financial advisory firm offering a comprehensive portfolio of insurance and mortgage products and services. The company operates three core product lines: Zakelijke Verzekeringen (Business Insurance) covering enterprise liability, property, transport, construction, environmental, legal, cyber, employee and pension insurance; Particuliere Verzekeringen (Personal Insurance) for home, contents, liability, health, vehicles, recreation and life coverage; and Hypotheken (Mortgages) providing independent advisory for home purchases, refinancing, and relocation. These are supported by digital service features including Schade Melden (online damage reporting), Waardemeters (value calculators), and Incassodienstverlening (collection services). The company partners with DiVerz! for policy administration and claims handling.

Differentiator

Problem solved

Functional benefit

Products and services

• Zakelijke Verzekeringen (Business Insurance)

Quantifiable outcome

• 9.6/10 customer satisfaction rating on Klantenvertellen.nl
• +1 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Five partnerships are on record, tiered core and minor.

• DiVerz!coreChannel Partner/ Reseller/ DistributorDiVerz! is a Gevolmachtigd Agent (Authorized Agent) acting on behalf of multiple insurers. DiVerz! handles policy acceptance, premium collection, and claims management. This partnership allows Froonacker Van de Witte to offer fast and accurate insurance processing. The transition from Froonacker Van de Witte Assuradeuren to DiVerz! was announced in April 2025 as part of the NDB Groep integration.
• NDB GroepcoreStrategic or Co-development PartnerNDB Groep is a collaboration of reputable financial service providers with a strong position in various Dutch regions. By joining NDB Groep, Froonacker Van de Witte gains access to shared ICT, compliance, and authorized agent management infrastructure, allowing the local office to focus on personal advisory and service.
• NLGminorChannel Partner/ Reseller/ DistributorNLG is a partnership of advisory offices active in both the personal and business markets. Through the NLG partnership, Froonacker Van de Witte is better able to deliver added value to its clients.
• AdfizminorOthersAdfiz is the branch association for financial advisors in the Netherlands. Members are professional and expert, committed to continuous improvement. Adfiz focuses on advocacy, association services, and a quality mark.
• KifidminorOthersKlachteninstituut Financiële Dienstverlening (Kifid) is the independent dispute resolution body for financial services in the Netherlands. Froonacker Van de Witte is registered with Kifid, allowing clients to file complaints.

Scale indicators4 records

Recent moves8 records

Expansion highlights5 records

Emerging players

• Rabobank Insurance Services: Bancassurance arm of Rabobank distributing personal and business insurance to its customer base in the Netherlands. An emerging distribution threat to independent brokers in retail segments, particularly in Friesland where Rabobank has strong local presence.

Direct peers

• Alpina Group: Network of independent Dutch insurance and financial advisory offices. Comparable as a multi-office broker with similar product breadth (personal, business, mortgage) and local-personal advisory positioning.
• NIBE: Dutch financial services platform focused on intermediation, mortgage advisory, and insurance. Comparable in the mortgage and personal financial planning segment, though NIBE operates more as a network/platform than a single regional office.
• Voogd & Voogd: Regional Dutch insurance and mortgage broker with a similar personal-advisory model, multi-line offering, and strong local brand. Directly comparable as a mid-sized independent advisory firm in the Dutch market.
• Klap Verzekeringsmakelaar: Independent Dutch insurance broker with similar regional roots and a full personal/business/mortgage product mix. Closely comparable business model and target customer segment.

Broad incumbents

• Aon Netherlands: Global insurance broker with significant Dutch operations serving larger commercial clients. Overlaps in commercial lines, risk advisory, and employee benefits, but at much larger scale and with a corporate-focus rather than personal advisory.
• Willis Towers Watson Netherlands: Large global advisory firm with Dutch operations in insurance brokerage, risk management, and pension/benefits advisory. Overlaps in commercial insurance and pension advisory segments.
• Marsh Netherlands: Global broker operating in the Netherlands, focused on commercial risk, insurance, and advisory. Comparable product set for the business segment but a different scale and customer profile.

Others

• De Goudse Verzekeringen: Dutch mutual insurer offering personal, business, and life insurance via the broker channel. An ecosystem participant rather than direct competitor, but relationship-relevant as a potential carrier partner for Froonacker Van de Witte.
• Nationale-Nederlanden: One of the largest Dutch insurance companies (life, pension, non-life). Not a direct competitor but a key carrier whose products are commonly distributed through brokers like Froonacker Van de Witte.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/froonacker-van-de-witte-assuranti%C3%ABn-b-v

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 Froonacker Van de Witte Assurantiën B.V.