Gjaltema Verzekeringen Hypotheken Makelaardij

What Gjaltema Verzekeringen Hypotheken Makelaardij does

Gjaltema Verzekeringen Hypotheken Makelaardij is a privately held Dutch financial services and real estate advisory firm headquartered at Wilhelminastraat 17 in Dalfsen, Overijssel. The company operates as a traditional multi-line local advisory, offering four integrated service categories: insurance brokerage (personal and business lines, including claims handling), mortgage advisory (including NHG-backed products and access to the Mijn Appviseurs client portal), real estate brokerage (buying, selling, renting, valuations, and free property assessments), and banking products distributed through a partnership with ASN Bank/RegioBank. The business employs 16 staff, including a six-person insurance team, and serves individual homeowners, buyers, and small business owners in Dalfsen and the surrounding Salland region, with listings extending into Lemelerveld and Zwolle.

The underlying technology is conventional: standard financial advisory and real estate management systems hosted via the Realworks CMS platform, supplemented by the Finconnect claims portal, NWWI-certified valuations, and Funda for property distribution. There is no proprietary technology platform, no AI or automation capability, and no app or API offering. The go-to-market is sales-led and relationship-driven, relying on walk-in consultations, scheduled appointments at the Dalfsen office, phone, email, and a newsletter channel. Revenue is generated through commissions and fees on insurance policies, mortgage originations, and real estate transactions, plus referral-based revenue from ASN Bank/RegioBank products.

Customer segments are split between individual homeowners and buyers (primary) and local entrepreneurs and small businesses (secondary) seeking commercial insurance coverage. The firm holds ADFIZ trade association membership and the Erkend Financieel Adviseur (EFA) quality mark. The company has no disclosed revenue, no funding history, no parent company or subsidiaries, no patents or trademarks, and operates as an independent local incumbent rather than a scalable platform.

Name

Gjaltema Verzekeringen Hypotheken Makelaardij

Legal name

Gjaltema Verzekeringen - Hypotheken - Makelaardij

Website

https://gjaltema.net

Company type

Private

Founded year

2018

Operating status

Operating

Short description

Gjaltema Verzekeringen Hypotheken Makelaardij is a privately held Dutch local advisory firm in Dalfsen, Netherlands, employing 16 staff to provide insurance brokerage, mortgage advisory, real estate brokerage, and ASN Bank banking products to individual homeowners and small businesses across the Overijssel region.

Ownership category

akta.pro rank

Product category

Insurance and Real Estate Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurtech-Enabled Brokerage (Digital Brokers & Aggregators) (FSAEADAN)

Keywords

• Insurance brokerage services
• Mortgage advisory
• Real estate brokerage
• Property valuation services
• Financial advisory

Headquarters

HQ city

Dalfsen

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Advisory Services: Commissions and fees from insurance products including personal and business insurance policies
2. Mortgage Advisory: Advisory fees and commissions from mortgage products and refinancing services
3. Real Estate Brokerage: Commission-based revenue from property sales and purchases, including valuations and appraisals
4. Banking Products: Partnership revenue from ASN Bank/RegioBank products including savings and current accounts

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Gjaltema Verzekeringen Hypotheken Makelaardij is a Dutch multi-line financial advisory and real estate brokerage based in Dalfsen. The firm sells personal and business insurance products with claims handling, mortgage advisory across various mortgage forms and NHG guarantees, and real estate brokerage services for buying, selling, renting, and valuing residential properties. It also refers banking products through a partnership with ASN Bank/RegioBank.

Product overview

Gjaltema Verzekeringen Hypotheken Makelaardij is a comprehensive financial and real estate services firm serving the Dalfsen region in the Netherlands. The company operates as a traditional brokerage offering three integrated service lines: insurance (verzekeringen) covering personal and business lines with claims handling; mortgages (hypotheken) including advisory on mortgage forms and NHG guarantees; and real estate brokerage (makelaardij) for buying, selling, and renting properties with associated services such as valuations and property search. They also maintain banking partnerships with ASN Bank/Regio Bank. The business employs 16 staff members and functions as a local/regional service provider rather than a technology platform.

Differentiator

Problem solved

Functional benefit

Products and services

• Verzekeringen (Insurance) Insurance brokerage for individuals and businesses in the Dalfsen region, covering personal and commercial lines (including liability and property coverage for entrepreneurs), with damage reporting (schade melden) and claims handling supported.
• Hypotheken (Mortgages) Mortgage advisory service for consumers in the Dalfsen region, covering various mortgage forms, NHG (Nationale Hypotheek Garantie) guarantees, and access to the Mijn Appviseurs mortgage platform.
• Makelaardij (Real Estate Brokerage) Real estate brokerage for residential properties in the Dalfsen region, including property listings (huizenaanbod), support for selling homes (uw woning verkopen), property search (een woning zoeken), purchase assistance (een woning aankopen), free property valuations (gratis waardebepaling), and formal valuations/appraisals (taxatie).

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

Five partnerships are on record, tiered core and minor.

• ASN Bank / RegioBankcoreGTM or Marketing PartnerPartnership offering banking products including savings accounts, current accounts, and internet banking services. The company serves as an advisor for ASN Bank products and provides links to RegioBank services including interest rates and online banking.
• FundacoreGTM or Marketing PartnerDutch premier real estate listing platform where the company advertises its property inventory
• NWWIcoreTechnology or IntegrationNWWI provides standardized property valuation services and ensures quality of appraisals
• ADFIZminorOthersTrade association for financial advisors in the Netherlands
• EFA (Erkend Financieel Adviseur)minorOthersCertified Financial Advisor quality mark demonstrating professional qualifications

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Direct peers

• De Hypotheker: Largest Dutch mortgage advisor franchise network offering in-person mortgage advice across the Netherlands, directly comparable to Gjaltema's mortgage advisory service line and similar local physical-office model.
• Hypotheek Visie: Dutch mortgage advisory franchise with regional offices providing face-to-face mortgage advice, NHG guidance, and lender comparison — directly overlapping with Gjaltema's Hypotheken service.
• Univé: Dutch insurance cooperative with strong regional/local presence and intermediary distribution, serving individual and small-business customers with comparable insurance products and advisory positioning.
• Makelaarsland: Dutch flat-fee real estate brokerage franchise competing directly with traditional brokers like Gjaltema on residential property sales, particularly in regional markets.

Broad incumbents

• Rabobank: Major Dutch bank offering mortgages, insurance, and banking products nationally — competes for the same household financial services wallet but at far greater scale and with direct (non-intermediated) distribution.
• ING: Large Dutch bank with mortgage, insurance, and savings products competing for the same Overijssel-area households as Gjaltema, though via direct/digital channels rather than local advisory.
• ABN AMRO: Major Dutch bank offering integrated financial services including mortgages and insurance, representing a broader-incumbent alternative to Gjaltema's locally-bundled advisory offering.
• Achmea: Large Dutch insurance group (parent of Interpolis, Centraal Beheer, FBTO) underwriting personal and commercial lines sold partly through intermediaries, relevant to Gjaltema's insurance distribution.

Regional players

• Van der Linden Makelaars: Dutch regional real estate brokerage franchise operating across multiple cities, comparable to Gjaltema's Makelaardij service line in scale and local-broker model.

Emerging players

• Independer: Dutch online insurance comparison platform enabling direct-to-consumer purchasing of personal lines, representing the digital aggregator category that pressures traditional brokerages like Gjaltema.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Gjaltema Verzekeringen Hypotheken Makelaardij