Klijn/Zijlmans & Partners

What Klijn/Zijlmans & Partners does

Klijn/Zijlmans & Partners (KZP) is an independent Dutch financial advisory firm headquartered in Zaandam, Noord-Holland, founded in 1980. The firm advises individuals, self-employed entrepreneurs, small-to-medium businesses, employers, and real-estate owners / homeowners associations (VvEs) on insurance, mortgages, financial planning, pensions, and claims handling. It positions itself as fully independent from banks and insurers, with advisory services delivered primarily through three physical offices in Zaandam, Alkmaar, and Purmerend, supplemented by phone, email, and online quote-request channels. Customer acquisition is supported by a content-led marketing approach, including educational articles and downloadable comparison sheets hosted on the Dutch-language website, plus a LinkedIn presence.

The firm does not operate a proprietary technology platform; its offering is human-advisory in nature, with no disclosed APIs, software products, mobile apps, or AI/ML capabilities. Underlying service delivery relies on certified financial advisors applying regulated Dutch advisory frameworks across personal and commercial insurance lines, mortgage origination support, and pension scheme consulting.

The business model is a professional-services revenue model combining advisory fees with commissions on placed insurance and mortgage products. Pricing is quote-based and not publicly disclosed. The firm is privately held with no parent company, subsidiaries, funding rounds, M&A activity, or institutional investors documented, and is dependent on the regulatory and housing-market environment of the Netherlands, with all revenue generated within Noord-Holland.

Name

Klijn/Zijlmans & Partners

Legal name

Klijn/Zijlmans & Partners

Website

https://kzp.nl

Company type

Private

Founded year

1980

Operating status

Operating

Headcount range

11–50 employees

Short description

Klijn/Zijlmans & Partners is an independent Dutch financial advisory firm founded in 1980, serving individuals, entrepreneurs, businesses, employers, and property owners across Noord-Holland with insurance, mortgage, financial planning, and pension advice delivered through three regional offices.

Ownership category

akta.pro rank

Product category

Financial Advisory Services

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

akta.pro secondary industries

Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE), Co-Employment Risk Management & Insurance (Workers’ Comp, Liability) (BPACAGAH)

Keywords

• Financial advisory services
• Insurance brokerage
• Mortgage advice
• Financial planning
• Pension advisory

Headquarters

HQ city

Zaandam, Noord Holland

HQ country

Netherlands

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales

Revenue model

1. Financial Advisory Services: Provides independent advisory services on insurance, mortgages, financial planning, and pensions. Revenue generated through commissions from insurance products and advisory fees.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Klijn/Zijlmans & Partners is an independent financial advisory firm that advises private individuals and businesses in Noord-Holland on insurance, mortgages, financial planning, and pensions. The firm acts as an objective intermediary without obligations to banks or insurers, providing personalized face-to-face advisory services at three physical offices (Zaandam, Alkmaar, Purmerend) and via online quote request forms, phone, and email. Revenue is generated through commissions on placed insurance products and advisory fees across five vertical segments: individuals, entrepreneurs, companies, employers, and property owners/VvEs.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Insurance Advisory (Particuliere verzekeringen) Independent advisory and placement of personal insurance products for individuals and households, including liability, auto, home contents, home (opstal), and travel insurance. Targeted at private individuals in Noord-Holland seeking objective product selection from across multiple insurers.
• Entrepreneur Insurance Advisory (Ondernemersverzekeringen) Advisory and placement of insurance products tailored for self-employed professionals and small business owners, including disability insurance (AOV), business insurance, and entrepreneur-specific coverage.
• Business Insurance Advisory (Bedrijfsverzekeringen) Advisory and placement of commercial insurance products for SMBs, including business liability (AVB), business interruption, professional liability (BAV), cyber, commercial auto, inventory/goods, and environmental damage insurance.
• Employer / Personnel Insurance Advisory (Personeelsverzekeringen) Advisory and placement of employee insurance and pension products for employers, including absenteeism insurance (verzuimverzekering), MKB absenteeism unburdening insurance, WEGAS, WGA-Hiaat, WIA-Excedent, collective accident and business travel insurance, and Arbo/reintegration services.
• Real Estate Insurance Advisory (Vastgoedverzekeringen) Advisory and placement of real estate insurance products for property owners, including liability insurance for rented real estate, building insurance for rented real estate, and environmental damage insurance for rented real estate.
• VvE Insurance Advisory (VvE Verzekeringen) Advisory and placement of insurance products for Dutch Homeowners Associations (Vereniging van Eigenaren), including liability, building, and environmental damage insurance tailored to VvE requirements.
• Trade Fair Insurance (Beursverzekeringen / Co-assurantie) Specialized insurance advisory for trade fair participation and exhibition risks, structured as co-insurance solutions for event organizers and exhibitors.
• Industry-Specific Insurance Advisory (Brancheverzekeringen) Insurance advisory tailored to specific industry verticals with characteristic risk profiles requiring specialized coverage solutions.
• Mortgage Advisory (Hypotheekadvies) Independent mortgage advisory for home purchases including entrepreneur mortgages (ondernemershypotheek), new-build financing, mortgage type selection, current mortgage rate information, and calculation tools (maximum mortgage, rent-or-buy). Targeted at individual home buyers, including self-employed buyers, in Noord-Holland.
• Financial Planning (Financiële planning) Holistic financial planning service for private individuals and entrepreneurs, providing integrated advice across income, assets, liabilities, and future financial scenarios. Includes a dedicated [email protected] advisory channel and entrepreneur-specific planning.
• Pension Advisory (Pensioenadvies) Advisory on supplementary pension arrangements for individuals (aanvullend pensioen), DGA pension, collective pension schemes for employers, collective ANW-Hiaat, directly starting annuities and pensions, and BV-related pension/annuity contributions. Includes guidance on the Wet toekomst pensioenen transition.
• Business Financing Advisory (Bedrijfsfinanciering) Advisory on business financing solutions for entrepreneurs and SMBs, helping clients secure appropriate funding structures for their business needs.
• Claims Handling (Schademelding) Claims handling service supporting clients through the insurance claim process, providing guidance and follow-up with insurers to ensure timely and complete settlement.

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves4 records

Expansion highlights4 records

Direct peers

• Hypotheek Visie: Dutch independent mortgage and insurance advisor with multiple physical branches. Comparable to KZP as an independent, multi-office Dutch financial intermediary.
• De Hypotheekshop: National Dutch mortgage advisory franchise focused on independent mortgage advice. Comparable to KZP on the mortgage advisory side, though more franchise-driven and less diversified into business insurance.
• Van Bruggen Adviesgroep: Dutch independent financial advisory group offering insurance, mortgage, and financial planning services to individuals and SMEs. Closely comparable business model to KZP: independent, multi-office, advisory-led across insurance and mortgages.
• Meeùs: Dutch insurance broker serving both individual and business clients, including specialty lines. Comparable to KZP in offering independent brokerage across personal, business, and employer-related insurance products.

Emerging players

• Pricewise: Dutch price-comparison site for insurance, energy, and financial products. Comparable as a digital intermediary competing for the same Dutch consumer insurance wallet.
• Independer (Dazure): Dutch online insurance and financial product comparison platform. Comparable as a competing channel for Dutch insurance distribution; represents the digital disruption threat to traditional advisory firms like KZP.

Broad incumbents

• Nationale-Nederlanden: Major Dutch insurer offering life, P&C, and pension products with both direct and intermediary distribution. Comparable as a counterparty in KZP's brokerage relationships and as a competitor in the Dutch advisory/insurance market.
• Aon Netherlands: Global insurance broker with a Dutch operation serving mid-market and corporate clients. Comparable as a competitor in commercial insurance brokerage, though Aon is significantly larger and skews enterprise.
• Rabobank: Major Dutch bank with tied insurance and mortgage advisory. Comparable as a competitor in the Dutch financial advisory market, particularly on mortgages and pensions, though Rabobank operates a captive (non-independent) model.
• Marsh Netherlands: Global risk and insurance brokerage with Dutch presence, focused on corporate and specialty risk. Comparable in offering specialty brokerage (cyber, professional liability) but operates at a much larger scale.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/klijn-zijlmans-partners

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 Klijn/Zijlmans & Partners