Bad Oeynhausen

What Bad Oeynhausen does

The Bad Oeynhausen entity is a local LBS-Beratungscenter (consulting center) operated by LBS Landesbausparkasse NordWest, serving individual consumers in North Rhine-Westphalia, Germany from Portastr. 46, 32545 Bad Oeynhausen. It sits within the LBS Group, Germany's #1 building society with 35% market share, which is part of the Sparkassen-Finanzgruppe. The center provides in-person consultation for Bausparverträge (building savings contracts), Baufinanzierung (construction financing), Modernisierungskredite (modernization loans), and government subsidy navigation including Wohnungsbauprämie, Riester-Förderung, and KfW programs.

LBS Group's core product is the Bausparvertrag, a regulated savings contract under which customers accumulate 40–50% of an agreed Bausparsumme before receiving a low-interest loan at a rate locked at contract signing. Revenue mechanics include one-time Abschlussgebühr closing fees (typically 1.0–1.6% of Bausparsumme), ongoing account management fees, and loan interest income on Bauspardarlehen. Baufinanzierung and Modernisierungskredite generate transaction-fee and interest revenue on mortgages and renovation financing.

The technology layer is digital-first within a regulated framework: a Next.js-based lbs.de platform with self-service tools (Bausparrechner, Baufinanzierungsrechner, Modernisierungskostenrechner, Finanzierungszertifikat) plus a 24/7 Online-Vertragsauskunft portal for existing contract management. Distribution combines the physical Beratungscenter network, Sparkassen-Finanzgruppe cross-sell, and an extensive martech stack (Google Ads, Meta Pixel/Conversion API, TikTok Pixel/Events API, Pinterest, Outbrain, Taboola). The LBS Group serves approximately 7 million customers across 8.1 million active contracts (€313.4 billion volume as of 2022).

Name

Bad Oeynhausen

Legal name

LBS Landesbausparkasse NordWest (für die Bad Oeynhausen Region)

Website

https://lbs-bad-oeynhausen.de

Company type

Private

Founded year

1924

Operating status

Operating

Headcount range

51–100 employees

Short description

The Bad Oeynhausen LBS-Beratungscenter is a local consulting office of LBS NordWest within Germany's leading building society group, serving individual homebuyers and property owners with Bausparverträge, Baufinanzierung, and Modernisierungskredite across North Rhine-Westphalia.

Ownership category

akta.pro rank

Headquarters

HQ city

Münster

HQ country

Germany

HQ region

Europe

Offices7 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Bausparverträge (Building Savings Contracts): Core revenue from Bausparverträge, which include savings phases where customers make regular payments toward a target sum. Revenue includes Abschlussgebühr (closing fees) typically 1.0-1.6% of the Bausparsumme, and ongoing account management fees.
2. Bauspardarlehen (Building Loans): After contracts reach maturity (Zuteilungsreife), customers receive low-interest loans. Revenue generated from loan interest payments over the repayment period.
3. Baufinanzierung (Construction Financing): Comprehensive financing services for home purchases, construction, and modernization. Includes Modernisierungskredite (modernization credits) with favorable conditions.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

The Bad Oeynhausen LBS-Beratungscenter is a local consulting office of LBS Landesbausparkasse NordWest, part of Germany's #1 building society group with 35% market share. It sells Bausparverträge (building savings contracts combining savings with guaranteed future low-interest loans), Baufinanzierung (construction financing/mortgages), and Modernisierungskredite (modernization loans), and advises customers on state subsidies including Wohnungsbaupr\u00e4mie and Riester-F\u00f6rderung.

Product overview

LBS (Landesbausparkasse) is Germany's leading Bausparkasse (building society) with a 35% market share, operating as a unified platform consisting of five regional Landesbausparkassen (LBS Süd, LBS NordWest, LBS NordOst, LBS Hessen-Thüringen, and LBS Saar). The core product is the Bausparvertrag (building savings contract), which combines savings accumulation with guaranteed low-interest loans for property financing. This core is supplemented by Baufinanzierung (construction financing/mortgage services), Modernisierungskredit (modernization loans), and LBS-Immobiliensuche (property search assistance). The offering includes digital tools such as the Online-Vertragsauskunft (24/7 contract information portal), various online calculators (Bausparrechner, Baufinanzierungsrechner, Modernisierungskostenrechner), and the Finanzierungszertifikat (financing certificate). Customers benefit from government subsidies including Wohnungsbauprämie, vermögenswirksame Leistungen, Arbeitnehmer-Sparzulage, and Riester-Förderung, as well as KfW-Förderung programs. The Bad Oeynhausen location is served by LBS NordWest and provides in-person consultation services through regional advisors.

Differentiator

Problem solved

Functional benefit

Products and services

• Bausparvertrag (Building Savings Contract) A savings contract allowing customers to accumulate savings toward a target Bausparsumme while locking in a guaranteed fixed loan interest rate for future financing. Customers typically save 40-50% of the agreed sum before receiving the low-interest Bauspardarlehen. Designed for individuals seeking home purchase, construction, or modernization.
• Baufinanzierung (Construction Financing) Comprehensive mortgage and construction financing services tailored to individual customer needs, supporting home purchase, construction, or renovation projects. Includes Modernisierungskredite with favorable conditions.
• Modernisierungskredit (Modernization Loan) Financing option for home modernization and renovation projects, offering competitive terms for making homes more modern or sustainable. Used standalone or in combination with KfW-Förderung.
• LBS-Immobiliensuche (Property Search) Property search service that accompanies customers from property search to finding suitable financing solutions. Brings buyers and sellers together and integrates with financing offerings.
• Finanzierungszertifikat (Financing Certificate) Free certificate demonstrating financing capability to sellers, showing that the buyer can afford the purchase price and the sale will not fail due to finances. Issued by LBS after credit assessment.
• Staatliche Förderung (Government Subsidies Advisory) Advisory on government support programs for Bausparen, including Wohnungsbaupr\u00e4mie (housing premium), verm\u00f6genswirksame Leistungen (investment-related benefits), Arbeitnehmer-Sparzulage (employee savings grant), and Riester-F\u00f6rderung (Riester subsidy).
• KfW-Förderung (KfW Subsidies) State KfW bank programs for energy-efficient building and renovation, usable in combination with Bauspar products. Brokers and integrates KfW subsidies with LBS financing.
• Abschlussgebühr (Contract Closing Fee) One-time fee charged upon Bausparvertrag conclusion, typically 1.0-1.6% of the Bausparsumme, covering consulting and administration costs. Payable upfront or deducted from first monthly payment.
• Persönliche Beratung (In-Person Consultation) In-person financial advisory appointments at the Beratungscenter for Bausparen, Baufinanzierung, Modernisierung, and state subsidies. Available by appointment at the Bad Oeynhausen office and across the LBS Beratungscenter network.

Quantifiable outcome

• 35% market share in Germany's building society market
• +3 more outcomes

Named customers2 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

Integration20 records

Feature3 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• Sparkassen-Finanzgruppe (Savings Banks Financial Group)coreStrategic or Co-development PartnerLBS operates as the building society of the Sparkassen-Finanzgruppe. The five regional Landesbausparkassen are owned by regional Sparkassen and Landessparkassen. This partnership provides LBS with extensive distribution through Sparkassen branches across Germany and access to a trusted banking network. The Sparkassen-Finanzgruppe provides deposit insurance through the Deutscher Sparkassen- und Giroverband e.V.
• Bundesgeschäftsstelle LandesbausparkassencoreStrategic or Co-development PartnerCentral headquarters representing all five Landesbausparkassen. Located in Berlin as a division of the Deutscher Sparkassen- und Giroverband (DSGV). Advocates for political interests of building savers and building societies before parliament, government, authorities, associations, and the public.
• Europäische Bausparkassenvereinigung (EuBV)minorStrategic or Co-development PartnerEuropean Building Societies Association. LBS-Bundesgeschäftsstelle is a member and participates in European building society industry advocacy and standards.
• Deutscher Verband für Wohnungswesen, Städtebau und Raumordnung (DV)minorStrategic or Co-development PartnerGerman Association for Housing, Urban Development and Spatial Planning. LBS-Bundesgeschäftsstelle is a member, participating in housing and urban development policy discussions.
• Verband der Privaten BausparkassenminorStrategic or Co-development PartnerAssociation of Private Building Societies. LBS maintains a joint office in Brussels with this association for European policy representation.
• Meta Platforms Ireland Limited (Facebook, Instagram)minorGTM or Marketing PartnerSocial media partnership for Facebook and Instagram presence. LBS operates official pages on these platforms for marketing, customer communication, and brand awareness.
• TikTok Technology LimitedminorGTM or Marketing PartnerSocial media partnership for TikTok presence. LBS operates an official TikTok profile (@lbsbausparen) for reaching younger audiences with content about building savings.
• YellowMap AGTechnology or IntegrationSmartMaps/SmartMaps service provider for displaying geographic information on LBS websites, particularly for location search and property location features.

Scale indicators6 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• ING-DiBa: One of Germany's largest direct banks offering Baufinanzierung (mortgages) and consumer credit as part of a broader retail banking portfolio. Overlaps with LBS in construction financing but is a much larger diversified player without the specialized Bausparen niche.
• Volksbanken Raiffeisenbanken (cooperative banks): Germany's cooperative banking sector offering Baufinanzierung and consumer credit alongside retail banking. Competes with LBS for the same customer segment through a parallel mutual banking distribution network.
• Sparkasse (any regional savings bank): Regional savings banks within the same Sparkassen-Finanzgruppe that LBS belongs to. Sister institutions that cross-sell LBS products and offer competing Baufinanzierung products, sharing customer relationships and deposit insurance with LBS.

Direct peers

• Deutsche Bausparkasse Badenia: Private German Bausparkasse (part of the W\u00fcstenrot/Financial Service Group) offering building savings contracts and construction financing. Direct competitor in the same product category as LBS with similar fixed-interest Bausparvertrag mechanics.
• Bausparkasse Schw\u00e4bisch Hall: Germany's largest private Bausparkasse and direct competitor in building savings contracts (Bausparvertr\u00e4ge), construction financing, and modernization loans. Operates through a similar Beratungscenter network and competes head-to-head with LBS across all five regional territories.
• BHW Bausparkasse: Subsidiary of Commerzbank offering building savings contracts and mortgage products. Competes directly with LBS in the Bausparen category and serves a similar retail customer base seeking homeownership financing.
• W\u00fcstenrot Bausparkasse: Major private German Bausparkasse offering Bausparvertr\u00e4ge, Baufinanzierung, and Wohnriester products. A second direct competitor in the German building society market with overlapping customer base and similar advisory-led distribution model.

Emerging players

• Dr. Klein Privatkunden AG: Digital and advisory mortgage broker offering Baufinanzierung products across Germany. Provides comparable construction financing advisory but with a lighter digital footprint competing for the same first-time homebuyer segment.
• Interhyp: Germany's leading digital mortgage broker offering Baufinanzierung comparison and origination online. Competes with LBS in construction financing but uses a pure-play fintech model rather than physical Beratungscenter distribution.

Others

• KfW Bankengruppe: German state development bank providing subsidized energy-efficiency and modernization loans (KfW-F\u00f6rderung) that LBS bundles and distributes to its customers. Functions as an upstream product partner rather than direct competitor, but its subsidy programs materially shape LBS's Modernisierungskredit offering.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@lbs.deinzuhause
• Facebookfacebook.com/lbsbausparkasse
• Instagraminstagram.com/lbsbausparen
• TikToktiktok.com/@lbsbausparen
• LinkedInlinkedin.com/company/bad-oeynhausen

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries3 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 Bad Oeynhausen