ZAKENKANTOOR VERWEE

What ZAKENKANTOOR VERWEE does

Zakenkantoor Verwee is a Belgian family-owned financial intermediary operating under the legal entity Zakenkantoor Verwee BV (RPR Oudenaarde 0894410868), with continuous operations dating to 22 August 1910 when it began as an agency of the Belgian Hypotheekmaatschappij en Spaarkas in Ruien. The firm operates two complementary lines: as a Crelan bank agent offering home loans, auto loans, savings and investment products, payments, and safe deposit boxes; and as an independent insurance broker (FVF member) distributing personal and commercial lines across multiple carriers including AG Insurance, AXA, DKV, Baloise, Dela, Allianz, Europ Assistance, DAS, and others. Service is delivered face-to-face across three Belgian offices in Kluisbergen (headquarters), Ronse, and Avelgem, with appointments available outside regular office hours.

The product portfolio spans loans, savings and investments, payments, safe deposit boxes, and a broad insurance catalogue (home, auto/moto, civil liability, family/health, travel, legal protection, pension savings, plus commercial fire, fleet, group, and owner-related lines). Underlying technology is entirely third-party: customer-facing portals from each insurance carrier (MyBroker, MyAXA, MyDKV, MyAG, MijnDela, Mijn Optimco) plus government services (MyMinfin, MyVehicleMyPlate, Mypension). No proprietary platform, mobile app, or AI tooling is evident; the cookie policy explicitly disclaims automated decision-making and profiling.

Commercially, the firm earns commissions on both banking mediation (Crelan) and insurance mediation (multi-carrier), with no publicly disclosed pricing. Go-to-market is sales-led and personal, driven by walk-ins and appointments in the Flemish Ardennes region, supported by a website (zakenkantoorverwee.be), newsletter sign-up, and a Crelan-hosted appointment booking link. Customer segments are individuals and SMEs/self-employed, segmented horizontally. Growth has been pursued via a regional roll-up: in 2024 the firm transitioned its banking affiliation from AXA Bank to Crelan Bank, in 2025 it merged with Frank Fivez's office and absorbed Kinsia Demaeght's Moen office, and in 2026 it acquired Crelan Avelgem and relocated the Moen operation, ending 2026 with three consolidated locations and roughly 15 named staff including zaakvoerders Koen Verwee, Ulrike Waeles, and Frank Fivez.

Name

ZAKENKANTOOR VERWEE

Legal name

Zakenkantoor Verwee BV

Website

https://zakenkantoorverwee.be

Company type

Private

Founded year

1910

Operating status

Operating

Headcount range

1–10 employees

Short description

Zakenkantoor Verwee is a Belgian family-owned financial intermediary founded in 1910, operating as a Crelan bank agent and independent insurance broker across three offices in the Flemish Ardennes (Kluisbergen, Ronse, Avelgem), serving individuals and SMEs with loans, savings, investments, and multi-carrier personal and business insurance.

Ownership category

akta.pro rank

Product category

Insurance and Banking Brokerage

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Mortgage and Nonmortgage Loan Brokers (522310), Portfolio Management and Investment Advice (523940)

SIC

Insurance Agents, Brokers & Service (6411), Mortgage Bankers & Loan Correspondents (6162), Investment Advice (6282)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

akta.pro secondary industries

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI), Fee-Only Advisory (FSAEAAAL)

Keywords

• Insurance brokerage
• Banking mediation
• Personal insurance advisory
• Business insurance solutions
• Loan and mortgage services

Headquarters

HQ city

Kluisbergen

HQ country

Belgium

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Banking mediation fees: As a Crelan bank agent, the company earns commissions on banking products including loans (mortgage loans, auto loans) and savings/beleggingsverzekeringen (investment insurance). Crelan is a 100% Belgian cooperative bank.
2. Insurance mediation fees: As an independent insurance broker (member of FVF), the company earns commissions on insurance products they advise, propose, and mediate for clients. They work with multiple insurance partners including AG Insurance, AXA, DKV, Baloise, Dela, and others.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels2 records

Core offering

Zakenkantoor Verwee is a Belgian family-owned financial services office that mediates banking and insurance products on behalf of clients. As a Crelan bank agent, it offers mortgages, car loans, savings/investment accounts, payment solutions, and safe deposit boxes; as an independent FVF-member insurance broker, it places personal and business insurance across multiple carriers and provides active risk analysis and damage claims management. Service is delivered through in-person consultations across three offices in the Flemish Ardennes region of Belgium.

Product overview

Zakenkantoor Verwee is a family-owned financial services company offering a comprehensive portfolio of banking and insurance services through its partnership with Crelan Bank and as an independent insurance broker. The core offerings consist of banking products (loans, savings, investments, payments, safe deposit boxes) and insurance products for both individuals and businesses. The company provides specialized services including risk analysis, claims management, and personalized financial advice. The business operates across three locations in Belgium (Kluisbergen, Ronse, and Avelgem) and has over 100 years of experience serving clients in the Flemish region.

Differentiator

Problem solved

Functional benefit

Products and services

• Loans (Leningen) Home loans (woonlening) for financing homes and car loans (autolening) for vehicle purchases, plus credit solutions for self-employed individuals and companies (vennootschappen). Offered as a Crelan bank agent to individuals and businesses in Belgium.
• Savings & Investments (Sparen & Beleggen) Safe savings accounts and customized investment plans (beleggingsplan) to help clients achieve financial goals and build a solid future. Offered as a Crelan bank agent to individuals and businesses in Belgium.
• Payments (Betalingen) Innovative payment solutions with expert advice on mobile and secure payments, plus access to an ATM (geldautomaat) for cash withdrawals. Offered as a Crelan bank agent in Belgium.
• Safe Deposit Boxes (Kluizen) Safe rental service (safes) at the Kluisbergen office, available daily during opening hours for clients to securely store valuables.
• Personal Insurance (Verzekeringen voor Particulieren) Comprehensive insurance offerings for individuals and families including home, auto/moto/bicycle, civil liability, family (hospitalization, personal accidents, dental, funeral, life, death), travel, legal protection, and pension insurance. Offered as an independent broker working with multiple carriers.
• Business Insurance (Verzekeringen voor KMO's en Zelfstandigen) Insurance products for SMEs and self-employed professionals including fire, machinery, computer, theft, business damage, liability (BA Uitbating), vehicle fleet insurance, employer insurance (work accidents, group insurance), and personal insurance for owners (patron insurance, income protection, supplementary pension, individual pension commitment).

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration14 records

Partnerships

Nine partnerships are on record, tiered core and major.

• Crelan BankcoreChannel Partner/ Reseller/ Distributor · 1 January 2024Crelan Bank is a 100% Belgian cooperative bank that acquired AXA Bank in 2024. Zakenkantoor Verwee operates as a Crelan bank agent, offering banking products including mortgage loans, auto loans, savings accounts, and investment products.
• AG InsurancemajorTechnology or IntegrationInsurance partner offering products including assistance services, hospitalization coverage, and travel insurance. Emergency number: 078 15 30 00.
• AXAmajorTechnology or IntegrationMajor insurance partner. AXA Assistance available at 02 550 05 55. Hospitalization abroad assistance at 02 552 5392. AXA customer zone (MyAXA) linked on e-tools page.
• DKVmajorTechnology or IntegrationHealth insurance partner offering hospitalization and medical expense coverage. MyDKV customer portal available. Emergency: 02 287 64 11, hospital abroad: 02 230 31 32.
• BaloisemajorTechnology or IntegrationInsurance partner offering various property and casualty insurance products. Baloise Assistance: 03 870 95 70.
• DelamajorTechnology or IntegrationFuneral and life insurance partner. Emergency assistance: 078 05 05 78. MijnDela customer portal available.
• Allianz Global AssistancemajorTechnology or IntegrationAssistance and travel insurance partner. Emergency: 02 529 76 70. Claims submission portal available on website.
• Europ AssistancemajorTechnology or IntegrationAssistance services partner for vehicle and travel coverage. Customer zone available for contract changes and damage declarations. Emergency: 02 533 75 75.
• MyBrokermajorTechnology or IntegrationDigital platform providing customers an overview of all their insurance policies managed through the office.

Scale indicators3 records

Recent moves10 records

Expansion highlights4 records

Regional players

• VDK Spaarbank: Belgian ethical bank with a network of independent bank agents. Comparable as a Belgian bank agent network model, though primarily Flemish and operating at modestly larger scale than Verwee.

Broad incumbents

• Aon Belgium: Global insurance and reinsurance broker with Belgian operations. Comparable insurance brokerage services, though primarily corporate and large account focused rather than retail/SME.
• DVV Insurance (Belfius): Belgian insurance broker chain owned by Belfius Bank, offering insurance products through a large network of physical offices across Belgium. Comparable insurance brokerage model but at national scale and affiliated with a major bank.
• Nagelmackers Bank: Belgian private bank offering wealth management, banking, and insurance through agents and offices. Comparable as a Belgian bank operating an agent-based distribution model for retail and SME clients.
• Marsh Belgium: Global insurance broker and risk advisor with Belgian presence serving businesses and individuals. Comparable intermediation model but at much larger scale and more corporate-focused.

Direct peers

• P&V Group: Belgian cooperative insurance group working with independent brokers and agents to distribute insurance products. Comparable as a Belgian insurance distribution structure relying on independent broker partnerships.
• Federale Verzekering: Belgian cooperative insurer with a network of independent agents and brokers. Comparable as a Belgian insurance intermediary structure serving individuals and SMEs through agents/brokers.
• Vanbreda Risk & Benefits: Belgian insurance broker and risk advisory firm serving individuals and businesses. Directly comparable as a Belgian insurance brokerage operating a similar intermediation model, though at significantly larger scale with corporate focus.
• Argenta Bank- en Verzekeringsagentschap: Belgian bank operating through an independent agent network offering combined banking and insurance products to retail customers. Closely comparable business model to Verwee as a Crelan/FVF agent combining bank mediation with insurance brokerage.

Others

• FVF (Flanders Brokers Association): Belgian professional association of independent insurance brokers of which Verwee is a member. Comparable as the industry ecosystem / peer network that Verwee operates within for regulatory compliance and standards.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/zakenkantoor-verwee

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 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 ZAKENKANTOOR VERWEE