What Van Ekeren Hypotheken en Verzekeringen does

Van Ekeren Hypotheken en Verzekeringen is a privately held Dutch financial advisory firm founded in 1996 by Jenno van Ekeren, operating from four physical offices in Leerdam (headquarters), Gorinchem/Dalem, Culemborg, and Papendrecht. The firm advises individual consumers, small-business owners, and real-estate developers across the Drechtsteden, Betuwe, and Vijfheerenlanden regions on mortgages (starter, sustainability, bridge, refinancing, and Spain-property products), personal and commercial insurance (auto, legal expense, funeral, life), and complementary financial services (Financiële Foto planning, tax filing, pension insight via third-party MijnFinrust, and mortgage rate monitoring).

The integrated offering combines mortgage advisory, insurance brokerage, real estate brokerage (via the sister company Van Ekeren Kuiper, including the 2021-acquired 2M), and business insurance (via sister company Boveko). Technology stack consists of the Mijn Van Ekeren customer portal, a digital policy app for iOS and Android, an online mortgage calculator, the MijnFinrust pension insight integration, and Calendly for online appointment booking — none of these are proprietary AI/ML systems. Operations are regulated under AFM registration 12008344.

The business model blends one-time professional-service fees (e.g., €2,895-€3,495 for mortgage advice, €3,250+ for purchase guidance), recurring insurance commissions averaging ~20% of premium on damage insurance, and small monthly subscriptions (€9.50 membership, €19.50 tax service, €24.50 combined). Acquisition is largely sales-led via local-office walk-ins and inbound digital leads; the company reports 2,000+ satisfied customers annually, €1 billion in cumulative advised mortgages through 2023, 2,500+ new-construction homes financed since 2000, and a 9.3/10 average rating from 1,062 customer reviews, plus a 2025 Top 100 Netherlands ranking. The business is family-led, with the founder still active as Director/Senior Advisor alongside second-generation leadership.

Name

Van Ekeren Hypotheken en Verzekeringen

Legal name

Van Ekeren Hypotheken en Verzekeringen

Website

https://vanekeren.nl

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

11–50 employees

Short description

Van Ekeren Hypotheken en Verzekeringen is a privately held Dutch financial advisory firm founded in 1996, offering integrated mortgage, insurance, financial planning, and brokerage services to retail consumers, small-business owners, and property developers across four offices in the South Holland and Utrecht regions.

Ownership category

akta.pro rank

Product category

Mortgage and Insurance Advisory

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

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

Keywords

• Mortgage advisory services
• Insurance brokerage
• Financial planning advice
• Real estate brokerage
• Tax filing services

Headquarters

HQ city

Leerdam

HQ country

Netherlands

HQ region

Europe

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mortgage Advisory Fees: One-time fees for mortgage advice services ranging from €2,895 for starters to €3,495 for self-employed individuals. Includes comparison and closure at all banks, death risk insurance included for starter mortgages.
2. Insurance Commissions: Ongoing commission from insurance companies for damage insurances, averaging 20% of premium. Covers advice, mediation, changes and claims handling.
3. Service Subscriptions: Monthly recurring fees: Tax service €19.50/month, Van Ekeren Membership €9.50/month, combined package €24.50/month
4. Brokerage Services: Real estate brokerage services through sister company Van Ekeren Kuiper for purchase guidance from €3,250

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Van Ekeren Hypotheken en Verzekeringen is an integrated Dutch financial advisory firm that provides independent mortgage advice, a broad range of personal and business insurance products, real estate brokerage, and ongoing financial planning services. Operating since 1996 across four regional offices, the firm combines advisory fees, insurance commissions and recurring subscription services to support customers across life stages (starters, families, retirees, divorcees, and business owners) under the 'Voor 't Leven' (For Life) relationship concept.

Product overview

Van Ekeren Hypotheken en Verzekeringen is a financial advisory firm operating since 1996 that offers an integrated suite of mortgage, insurance, and financial planning services from four offices in Gorinchem, Leerdam, Culemborg, and Papendrecht. The core offering comprises mortgage advisory services (including starter mortgages, sustainability mortgages, bridge mortgages, and Spain mortgages), a comprehensive range of insurance products (auto, scooter, household, travel, funeral, legal expense, and life risk insurance), and financial advisory services (including the Financiële Foto, tax filing, and pension planning). Add-on services include Hypotheeksignalering (mortgage monitoring), Belastingservice (tax filing), and Van Ekeren Membership. Real estate brokerage and business insurance are delivered through sister companies Van Ekeren Kuiper and Boveko respectively. The company served over 1 billion euros in advised mortgages in 2023 and supports customers through digital tools including a customer portal (Mijn Van Ekeren) and external integrations with MijnFinrust and Calendly.

Differentiator

Problem solved

Functional benefit

Brands

• Van Ekeren Kuiper: Woning en Bedrijfsmakelaars - Real estate brokerage (residential and commercial)
• Boveko

Products and services

• Hypotheekadvies (Mortgage Advisory) Independent mortgage advisory guiding customers from first consultation through comparison across lenders, product selection, and notarization, with transparent fixed fees.
• Verzekeringen (Insurance Brokerage) Full range of personal insurance products including auto, scooter, household contents, travel, funeral, legal expense, and life (death risk) insurance, with advice, mediation and claims handling.
• Makelaardij (Real Estate Brokerage) Residential and commercial real estate brokerage delivered through sister company Van Ekeren Kuiper, covering buying, selling and valuations, including a specialized Spain property service.
• Financiële Foto (Financial Photo Review) Comprehensive financial review service providing insight into financial position, risks and future planning, including pension, disability and death risk assessment using the MijnFinrust tool.
• Belastingservice (Tax Filing Service) Monthly subscription tax filing assistance at €19.50 per month, handling annual tax returns for customers as part of the integrated financial offering.
• Van Ekeren Membership Monthly subscription program at €9.50 per month (€24.50 combined with tax service) providing ongoing mortgage monitoring and preferential service terms.
• Hypotheeksignalering (Mortgage Monitoring) Ongoing mortgage monitoring service at approximately €7 per month, alerting customers to opportunities such as interest rate reductions and refinancing.
• Bedrijfsverzekeringen (Business Insurance) Business insurance products delivered through sister company Boveko Bedrijfsverzekeringen, covering commercial risks for small businesses and entrepreneurs.
• Verduurzaamhypotheek (Sustainability Mortgage) Specialized loan for energy-saving home improvements (insulation, heat pumps, solar panels), allowing borrowing up to 106% of property value with a 2-3 year construction depot.
• Overbruggingshypotheek (Bridge Mortgage) Bridge mortgage product for customers purchasing a new home before selling their existing property.
• Hypotheek Spanje (Spain Property Mortgage) Specialized advisory service for purchasing property in Spain, including financing, regulations and full A-to-Z guidance through Van Ekeren Kuiper.
• Overlijdensrisicoverzekering (Term Life Insurance) Term life insurance providing financial security for dependents upon death, with customizable coverage amount and term.
• Rechtsbijstandverzekering (Legal Expense Insurance) Legal expense insurance covering consumer, work and traffic disputes, with modules for Consument & Wonen, Werk & Inkomen, and Verkeer.

Quantifiable outcome

• €1 billion in advised mortgages since inception
• +3 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature3 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Buitenstate MakelaarscoreChannel Partner/ Reseller/ Distributor · 1 January 2018Landelijk samenwerkingsverband tussen makelaars gespecialiseerd in begeleiding van aankoop en verkoop van landelijk gelegen, vrijstaande woningen. Van Ekeren is sinds 1 januari 2018 aangesloten als bedrijf.
• Van Ekeren Kuiper Woning en BedrijfsmakelaarscoreOthersSister company providing residential and commercial real estate brokerage services. Enables integrated service offering under one umbrella.
• Boveko BedrijfsverzekeringencoreOthersSister company providing commercial insurance services. Customers are referred for business insurance needs.
• Nationale WaarborgminorStrategic or Co-development PartnerProvides BankGarantieZeker certificate enabling buyers to bid without financing condition, specially designed for starters. Offers necessary guarantees to sellers.

Scale indicators7 records

Recent moves16 records

Expansion highlights5 records

Regional players

• Buitenstate Makelaars: Dutch national network of real estate brokers specializing in rural and detached homes; Van Ekeren has been an affiliated partner since 2018. Comparable via shared brokerage activity and customer overlap in rural property segments.

Direct peers

• Pricewise: Dutch comparison site for insurance, mortgages, and energy. Competes for the same consumer wallet in mortgage and insurance categories via digital channels, representing a structural disintermediation threat to traditional brokers.
• De Hypotheker: Largest Dutch mortgage advisor chain with ~200 franchise offices offering independent mortgage and insurance advice. Most directly comparable to Van Ekeren in customer segment (homebuyers), product mix (mortgage + insurance), and franchise/branch-led distribution model.
• Hypotheek Visie: Dutch mortgage advisory chain with nationwide branch network offering independent mortgage advice and related insurance products. Comparable in core mortgage advisory service and mid-market consumer focus.
• Independer.nl: Leading Dutch online insurance and financial product comparison platform. Comparable as an intermediation channel for the same consumer base but competes via digital aggregation rather than personal advisory relationships.
• Van Bruggen Adviesgroep: National Dutch financial advisory firm combining mortgage, insurance, and tax services through local offices. Closely comparable one-stop-shop service model, customer demographic (individual consumers and SMEs), and advisor-led GTM.

Broad incumbents

• ASR Nederland: Major Dutch insurance company and asset manager operating across life, non-life, and income protection. Comparable as a counterparty and competitor in the Dutch insurance brokerage value chain that Van Ekeren intermediates into.
• Rabobank: Major Dutch retail bank with large mortgage origination franchise and in-house advice. Overlaps with Van Ekeren's mortgage advisory offering as a broad incumbent that bundles mortgages with broader banking relationships.
• ING: Large Dutch bank offering mortgages, insurance, and investment products directly to consumers. Represents a broad-incumbent alternative that competes with Van Ekeren for the same homebuyer customer via direct distribution.

Others

• Nationale Waarborg: Provider of BankGarantieZeker certificates used by Van Ekeren to enable buyers (especially starters) to bid without financing conditions. An ecosystem partner/infrastructure provider rather than a competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/van-ekeren-hypotheken-en-verzekeringen

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 Van Ekeren Hypotheken en Verzekeringen