Futuria - Verzekeringen & beleggingen

What Futuria - Verzekeringen & beleggingen does

Futuria - Verzekeringen & beleggingen (legally operating as All-inSurance & Finance) is a Belgian insurance and financial advisory broker serving both individual (Particulier) and business (Professioneel) customers. The firm was founded in 2003 and is headquartered in Lochristi, Belgium; since August 2025 it has operated as a combined family business following the merger of All-inSurance & Finance and Futuria. It operates five physical offices across Belgium (Diegem, Lochristi, Melle, Liedekerke, Knokke), employs nine people, and runs on a personal-advisory sales-led GTM with phone and online quote channels supplemented by a Brocom-powered "My Broker" customer portal for policy management. There is no disclosed proprietary technology platform or AI capability; the core technology stack is third-party broker infrastructure (My Broker, Brocom, Fintro banking agent).

Name

Futuria - Verzekeringen & beleggingen

Legal name

All-inSurance & Finance

Website

https://futuria.be

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Futuria - Verzekeringen & beleggingen (operating as All-inSurance & Finance) is a Belgian insurance and financial advisory broker serving individual and business customers through five offices across Flanders and Brussels, offering insurance, investments, savings, credits, and Fintro banking products under a family business model.

Ownership category

akta.pro rank

Headquarters

HQ city

Diegem

HQ country

Belgium

HQ region

Europe

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Insurance commission and advisory fees: Generates revenue through commissions on insurance products (auto, home, health, travel, legal aid, hospitalization) and financial products (pension savings, long-term savings, group insurance, investments) placed with insurance companies and banks. Also earns fees from credit facilitation and investment advisory services.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Futuria is a Belgian insurance and financial advisory broker that places personal and commercial insurance, savings, investment, pension, and credit/real estate financing products from multiple insurers and banks on behalf of individual and business clients. The firm is organized around a "Particulier" track (mobility, home, family and legal, hospitalization, savings/investments, pension) and a "Professioneel" track (enterprise, personnel, income), supported by five physical advisory offices and the My Broker online portal.

Product overview

All-inSurance & Finance operates as an integrated insurance and financial services broker under the Futuria brand since August 2025. The product portfolio encompasses Mobiliteit insurance products (Auto, Motor, Fiets, Motorhome), Woning coverage (Brand, Diefstal, Verhuurder-huurder, Vastgoedfinanciering), Gezin en rechtsbijstand offerings (Familiale verzekering, Ongevallen, Overlijden en invaliditeit, Reisverzekering, Rechtsbijstandsverzekering), Hospitalisatieverzekering and Groepsverzekering, Sparen of beleggen savings and investment products, Pensioen solutions (Pensioensparen, Langetermijnsparen, Groepsverzekering), Onderneming commercial products (Bedrijfsvoertuigen, Gebouwen, Materieel, Aansprakelijkheid), Personeel employee benefits (Arbeidsongevallen, Groepsverzekering, Hospitalisatie), and Inkomen products (Gewaarborgd inkomen, Pensioenopbouw, Overlijdensverzekering, Beleggingen). The company serves both private individuals and businesses through five physical offices in Belgium, offering a unified advisory approach combining insurance, investments, credits, and savings under one roof, with a My Broker online customer portal for contract management and Fintro banking partnerships.

Differentiator

Problem solved

Functional benefit

Brands

• Fintro: Banking partner offering personal banking services including daily banking, savings, credit, and financial planning solutions.

Products and services

• Auto-verzekering Vehicle insurance coverage for private automobiles, placed with multiple insurers through Futuria's personal advisory service for Belgian individual customers.
• Motorverzekering Insurance coverage for motorcycles, placed with multiple insurers via Futuria for private Belgian customers.
• Fietsverzekering Bicycle insurance coverage for private customers, placed with partner insurers through Futuria's advisory offices.
• Motorhome-verzekering Insurance coverage for motorhomes and campers, including travel-related risks, for private Belgian customers via Futuria's multi-insurer brokerage.
• Brandverzekering Fire insurance coverage for residential properties, placed with partner insurers through Futuria for private homeowners and tenants.
• Diefstalverzekering Theft insurance coverage for residential properties, offered to private customers via Futuria's multi-insurer brokerage.
• Verhuurder-huurder verzekering Insurance coverage addressing landlord and tenant exposures for residential property arrangements, placed with partner insurers for private customers.
• Vastgoedfinanciering / Kredieten Real estate financing and credit brokerage for residential property buyers, arranged through Futuria's partner banks (including Fintro).
• Familiale verzekering Family liability insurance covering personal responsibility for damages caused to third parties, placed with partner insurers for private households.
• Ongevallenverzekering Accident insurance coverage for private individuals, placed with partner insurers through Futuria's advisory offices.
• Overlijden en invaliditeit verzekering Life and disability insurance providing financial protection in case of death or disability, placed with partner insurers for private customers.
• Reisverzekering Travel insurance covering trip cancellation, medical emergencies, and travel-related risks for private customers traveling from Belgium.
• Rechtsbijstandsverzekering Legal expenses insurance covering legal costs and representation for private individuals, placed with partner insurers through Futuria.
• Hospitalisatieverzekering Health insurance covering hospitalization costs and medical expenses for private individuals, placed with partner insurers through Futuria's advisory.
• Sparen of beleggen Savings and investment products placed with partner banks and investment providers for private Belgian customers, advised through Futuria's personal advisory service.
• Pensioensparen Pension savings product allowing individuals to build retirement capital with tax advantages, placed with partner institutions via Futuria.
• Langetermijnsparen Long-term savings product for building wealth over extended periods with tax benefits, placed with partner institutions through Futuria.
• Bedrijfsvoertuigen verzekering Commercial vehicle insurance for business automobiles, trucks, and company fleets, placed with partner insurers for Belgian businesses and self-employed professionals.
• Gebouwen verzekering Commercial property insurance covering business buildings and premises against damage, placed with partner insurers for Belgian enterprises.
• Materieel verzekering Equipment and machinery insurance covering business assets, placed with partner insurers for Belgian businesses.
• Aansprakelijkheidsverzekering Liability insurance protecting businesses against third-party claims, placed with partner insurers for Belgian enterprises.
• Arbeidsongevallen verzekering Workplace accident insurance covering employee injuries on the job, placed with partner insurers for Belgian businesses.
• Groepsverzekering (Personeel) Group insurance for employees including pension and death benefits, placed with partner insurers for Belgian businesses.
• Hospitalisatie (Personeel) Group hospitalization insurance for employees, placed with partner insurers for Belgian businesses as an employee benefit.
• Gewaarborgd inkomen verzekering Income protection insurance guaranteeing continued income for business owners or employees in case of incapacity, placed with partner insurers for Belgian professionals.
• Pensioenopbouw Pension accumulation products for business owners and self-employed professionals, placed with partner institutions via Futuria.
• Overlijdensverzekering Life insurance providing financial protection to beneficiaries upon death, placed with partner insurers for Belgian business owners and self-employed professionals.
• Beleggingen (Professioneel) Investment products and opportunities for professional and business customers, placed with partner providers via Futuria's advisory.
• My Broker Klantenzone Online customer portal enabling Futuria clients to view insurance contracts in detail, download documents (e.g. insurance certificates, fiscal attestations), and track payments across multiple insurance companies.
• Fintro Banking Services Banking services including daily banking, savings, credit, and financial planning offered through the Fintro partnership to both private individuals and businesses, delivered via Futuria's advisors.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core and minor.

• FintrocoreChannel Partner/ Reseller/ DistributorFintro is a banking brand under CPH Bank. All-inSurance & Finance / Futuria acts as a Fintro banking agent, managing customers' daily banking, savings, credit, and financial planning needs with personal attention. The partnership allows the company to offer a full suite of banking services alongside its insurance and investment products.
• BrocomminorChannel Partner/ Reseller/ DistributorBrocom is a Belgian insurance broker network ('Je Makelaar'). All-inSurance & Finance is a member of the Brocom network, benefiting from aggregated insurer relationships and brand association with the 'Je makelaar' (Your Broker) label.
• FVF (Federatie van Verzekeringsmaatschappijen)minorOthersFVF is the Belgian Federation of Insurance Companies. Membership indicates adherence to industry standards and access to insurer partnerships through the federation.
• BZB-FedafinminorOthersBZB-Fedafin is a Belgian financial sector federation representing insurance brokers and financial advisors. Membership provides industry credentials and access to a network of independent advisors.

Scale indicators1 record

Recent moves4 records

Expansion highlights5 records

Direct peers

• DVV Verzekeringen: Belgian retail insurance broker and subsidiary of Belfius, distributing multi-line insurance and financial products through physical agency offices across Belgium. Directly comparable to Futuria in customer segments, product breadth, and personal advisory distribution model.
• Aon Belgium: Belgian arm of global insurance broker Aon, providing multi-line insurance and risk advisory to commercial and professional clients in Belgium. Comparable brokerage model and Belgian market presence, though operating at larger enterprise scale.
• Vanbreda & Co: Belgian independent insurance broker serving professionals, SMEs, and larger corporates with multi-line coverage and advisory services. Comparable to Futuria's professional segment offering and Belgium-based broker distribution model.
• Euromex: Belgian insurance broker network serving individual and SME customers with multi-carrier insurance placement. Operates a similar multi-office, multi-line brokerage model in the Belgian market as Futuria.
• Marsh Belgium: Belgian subsidiary of Marsh McLennan, offering commercial insurance brokerage and risk advisory to Belgian businesses. Comparable as a Belgium-based broker serving the professional segment with multi-carrier placement.

Broad incumbents

• Belfius Verzekeringen: Insurance arm of Belfius Bank, distributing personal and commercial insurance through bank channels and the DVV agency network in Belgium. Comparable in combining banking and insurance distribution, and parent of direct peer DVV Verzekeringen.
• AG Insurance: Largest Belgian insurer (part of Ageas), distributing life, non-life, and health insurance through both direct channels and broker networks including Brocom. Comparable product breadth and Belgian market scale, and named as an integration partner in Futuria's My Broker portal.
• AXA Belgium: Major Belgian insurer distributing life, health, and property/casualty products through agents, brokers, and direct channels. Comparable multi-line product offering in the Belgian market, though with significantly larger carrier scale than Futuria.
• KBC Verzekeringen: Insurance arm of KBC Group, distributing life, non-life, and bancassurance products through KBC's bank channel in Belgium. Comparable in offering integrated insurance, savings, and credit solutions, though at much larger scale than Futuria.
• Baloise Insurance Belgium: Belgian subsidiary of Baloise Group offering non-life and life insurance through broker and direct channels in Belgium. Comparable multi-line product offering and use of broker distribution, but with much larger carrier scale than Futuria.

Market position

Strengths1 record

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights4 records

Customer concentration

• Facebookfacebook.com/AllinSuranceandFinance
• LinkedInlinkedin.com/company/futuria
• Instagraminstagram.com/allinsuranceandfinance

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 Futuria - Verzekeringen & beleggingen