Oude Wolbers

What Oude Wolbers does

Oude Wolbers is a family-owned Dutch financial services firm founded in 1920, operating from a single office in Enschede, Netherlands, under two wholly-owned private limited entities — Oude Wolbers Assurantiën B.V. (insurance) and Oude Wolbers Makelaardij B.V. (real estate brokerage). The company delivers an integrated service portfolio spanning personal and commercial insurance brokerage (including home, travel, car, health, pension, and life coverage), mortgage advisory, and residential real estate intermediation for property purchase, sale, and certified appraisal. Its primary customer base consists of private individuals in the Enschede region and surrounding municipalities, with a secondary segment of small-to-mid-market business clients requiring commercial insurance coverage. The firm is a member of leading Dutch industry bodies including NVM (real estate), Adfiz (financial advisory), NWWI, VGC, and certified appraiser registers.

The business operates on a relationship-driven, sales-led model with personal advisory delivered through in-person consultations at its Enschede office, supplemented by out-of-hours appointments. Revenue is generated primarily through insurance carrier commissions (recurring), real estate transaction fees, and professional service fees for mortgage and valuation work. Free introductory consultations are offered for mortgage advice and property valuations as customer acquisition tools. The firm layers basic digital tooling on top of its advisory model — including the Move.nl property dossier portal, the Combipolis/Mijn Polissen insurance policy management portal, and standard Realworks-backed property listings — but the customer relationship remains centered on personal contact with the firm's approximately ten advisors.

Oude Wolbers competes almost exclusively on local reputation and trust built over its century of operation rather than technology differentiation, pricing scale, or product innovation. Its differentiators include 100+ years of brand equity, bundled cross-product service (insurance + mortgage + real estate under one roof), and NVM/Adfiz certifications that signal compliance with Dutch professional standards. Geographic scope is explicitly limited to Enschede and adjacent municipalities; there are no indications of expansion, acquisition activity, external funding, or meaningful digital channel innovation beyond the basic portals listed above.

Name

Oude Wolbers

Legal name

Oude Wolbers Assurantiën B.V.

Website

https://oudewolbers.nl

Company type

Private

Founded year

1920

Operating status

Operating

Headcount range

11–50 employees

Short description

Oude Wolbers is a 100+ year family-owned Dutch financial services firm in Enschede offering insurance brokerage, mortgage advisory, and real estate intermediation to private individuals and small businesses in the Enschede region.

Ownership category

akta.pro rank

Headquarters

HQ city

Enschede

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, Others

Revenue model

1. Insurance Intermediation: Commission-based insurance brokerage services for both private individuals and businesses, including the Oude Wolbers Combipolis package product
2. Real Estate Brokerage: Property purchase and sale intermediation services in Enschede and surrounding municipalities
3. Mortgage Advisory: Financial advisory services for mortgages including interest rate consultation and NHG (National Mortgage Guarantee) assistance

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Oude Wolbers operates a multi-line Dutch advisory practice delivering insurance intermediation (home, travel, auto, pension, damage, and health), real estate brokerage and valuation (aankoop, verkoop, taxatie), and mortgage advisory under two legal entities (Oude Wolbers Assurantiën B.V. and Oude Wolbers Makelaardij B.V.). The firm also distributes a bundled combined-insurance product (Combipolis) and an online savings product (Internetsparen). Services are delivered primarily to private individuals with a secondary business-client segment, from a single Enschede office supported by client portals.

Product overview

Oude Wolbers is a family-owned financial services company offering a unified portfolio of insurance, mortgage, and real estate brokerage services. The core offering consists of Verzekeringen (insurance for individuals and businesses), Makelaardij (real estate brokerage in Enschede region), and Hypotheken (mortgage advisory). Supporting these core services are the Combipolis combined insurance package, the Hypotheek Opvang Polis savings-linked mortgage product, and Internetsparen online savings. Client-facing digital tools include the Move.nl portal for property dossiers and the Combipolis/Mijn Polissen portal for insurance management. The company operates from Enschede, Netherlands, and has been serving clients for over 100 years.

Differentiator

Problem solved

Functional benefit

Products and services

• Verzekeringen (Insurance)

Named customers2 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Six partnerships are on record, tiered core.

• NVM (Nederlandse Vereniging van Makelaars)coreStrategic or Co-development PartnerLeading professional organization for real estate brokers in the Netherlands. Oude Wolbers operates as an NVM-certified broker for property transactions and valuations.
• AdfizcoreStrategic or Co-development PartnerProfessional association for financial advisors in the Netherlands. Oude Wolbers is a member demonstrating commitment to quality standards in insurance and financial advisory services.
• NWWI (Nederlands Woning Waarde Instituut)coreTechnology or IntegrationDutch Housing Value Institute providing standardized property valuation methodologies. Supports Oude Wolbers in conducting certified property appraisals.
• VGC (Vereniging van Gecertificeerde Taxateurs)coreStrategic or Co-development PartnerAssociation of certified appraisers ensuring quality standards for property valuations.
• Register TaxateurcoreTechnology or IntegrationOfficial registry for certified property appraisers in the Netherlands. Alexander Reith holds RM/RT certification as NVM Makelaar Taxateur.
• Erkend Financieel TaxateurcoreTechnology or IntegrationCertified financial appraiser designation supporting mortgage and property valuation services.

Scale indicators2 records

Recent moves4 records

Emerging players

• Pricewise: Dutch comparison site for insurance, energy, and telecom; competes with traditional advisors by giving consumers direct digital price comparison, representing the secular shift Oude Wolbers must adapt to.
• Independer: Leading Dutch online insurance and mortgage comparison platform that competes for the same retail customer wallet; represents the digital-disruptor archetype that Oude Wolbers' Combipolis and Move.nl tools are designed to counter.
• Verzekeringssite.nl / Overstappen.nl: Dutch insurance comparison and switching sites enabling direct consumer purchase; representative of the digital disintermediation trend pressuring traditional brokers like Oude Wolbers Assurantiën B.V.

Direct peers

• Hypotheek Visie: Dutch franchise mortgage broker network providing independent mortgage advice across the Netherlands; very comparable offering to Oude Wolbers' Hypotheken service including interest-rate comparison and NHG guidance.
• NVM member brokers: Collective of NVM-certified Dutch real estate agents and appraisers (Oude Wolbers is itself a member) operating in similar regional broker niches; the closest direct competitor pool for Oude Wolbers Makelaardij B.V.'s property services.

Broad incumbents

• Rabobank: Large Dutch cooperative bank with full mortgage, insurance, and real-estate services; competes for the same Enschede-region customers Oude Wolbers serves but at national scale with bundled banking products.
• De Hypotheker: National Dutch mortgage and insurance advisory franchise network with hundreds of branches; directly comparable business model (independent advisor brokering mortgages and insurance) and significantly larger scale than Oude Wolbers.
• ING Bank (NL retail): Major Dutch retail bank providing mortgages, insurance, and investment products; one of Oude Wolbers' named banking partners and a broader incumbent competitor in mortgage origination.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Customer concentration

• Xx.com/oudewol
• Facebookfacebook.com/Oude.Wolbers.Verzekeringen.Hypotheken.Makelaars
• LinkedInlinkedin.com/company/oude-wolbers

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries2 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 Oude Wolbers