ZFP GROUP

What ZFP GROUP does

ZFP GROUP, a.s. is a privately-held Czech financial services holding company founded in 1995 by Vladimír and Jarmila Poliakovi, headquartered in Břeclav, Czech Republic. The group operates through a portfolio of wholly-owned subsidiaries spanning financial education (ZFP akademie in the Czech Republic and ZFP akadémia in Slovakia), investment management (ZFP Investments managing the ZFP real estate fund — the 3rd largest retail real estate fund in the Czech Republic with 14.3+ billion CZK AUM and 66,000+ clients), commercial real estate crowdfunding (ZFP Finance I., with 1.8 billion CZK deployed across 30+ projects), gold and precious metals investment (ZFP Gold), and a wholly-owned seminar hotel chain (Seminární hotely Akademie). It serves retail consumers, investors, and aspiring financial advisors across six Central European countries (Czech Republic, Slovakia, Poland, Hungary, Serbia, and Romania).

The group operates a sales-led, advisor-driven go-to-market model: independent financial advisors and 110+ certified lecturers distribute a multi-product catalog (investments, savings, insurance, loans) sourced from approximately 20 partner institutions including Allianz, Česká spořitelna, ČSOB, Generali, Komerční banka, Kooperativa, UNIQA, Raiffeisen, J&T Banka, UniCredit, WOOD & Company, and others, generating commission revenue. Recurring revenue comes from management fees on the ZFP real estate fund (delivering 5.39% p.a. average over five years and 78.28% cumulative since inception) and the ZFP UP Premium SICAV qualified-investor fund, supplemented by crowdfunding transaction fees and gold product margins. The proprietary ZFP Akademie educational system — over 360,000 seminar participants trained since 1995 — is the foundational technology, paired with the Šanon klienta client mobile application for portfolio aggregation. Across its 31-year history, the group has mediated 4.7 million contracts and currently administers 17 billion CZK in assets across all subsidiaries.

Name

ZFP GROUP

Legal name

ZFP GROUP, a.s.

Website

https://zfpgroup.cz

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

51–100 employees

Short description

ZFP GROUP, a.s. is a privately-held Czech financial services holding company offering financial education, brokerage, and investment management across six Central European countries. It serves retail investors and aspiring financial advisors through a proprietary seminar-based educational system and a network of independent agents distributing investments, insurance, savings, and loans.

Ownership category

akta.pro rank

Headquarters

HQ city

Breclav

HQ country

Czechia

HQ region

Europe

Offices6 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Financial Brokerage and Intermediation: Commission revenue from mediating financial products including investments, savings, insurance, and loans. The company acts as an intermediary connecting clients with financial product providers (banks, insurance companies, investment funds). Generated more than 4.7 million mediated contracts.
2. Real Estate Fund Management: ZFP Investments manages the ZFP Real Estate Fund, generating management fees from assets under administration. The fund manages approximately 14.3+ billion CZK across commercial properties including shopping centers, office buildings, and logistics facilities.
3. Crowdfunding Platform: ZFP Finance I. operates a crowdfunding platform for commercial property development projects, generating platform fees and investment returns. Has financed more than 30 projects with 1.8 billion CZK invested.
4. Gold Investment Products: ZFP Gold offers gold and silver investment products through regular savings programs and one-time purchases, generating revenue from product margins and processing fees.
5. Network/Agent Commissions and Licensing: Revenue from the network of independent agents who operate under the ZFP brand, including training fees, certification, and volume-based commissions from product sales exceeding 14 billion CZK distributed to the network over company history.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

ZFP GROUP operates as a financial education, brokerage, and investment holding company based in Břeclav, Czech Republic. Through its subsidiary network, the company mediates investments, savings, insurance, and loans for individual clients via a sales force of independent advisors trained in its proprietary ZFP Akademie system, and runs its own ZFP Real Estate Fund, a ZFP Finance I. crowdfunding platform, and ZFP Gold precious metals investment services. It also operates a network of seminar hotels used for client training and events across Czech Republic, Slovakia, Poland, Hungary, Serbia, and Romania.

Product overview

ZFP GROUP is a diversified financial services holding company offering educational, brokerage, and investment services through its portfolio of subsidiary brands. The company operates a platform model consisting of ZFP akademie (financial education and seminars), ZFP Investments (real estate fund management), ZFP Finance I. (crowdfunding), ZFP Gold (precious metals investment), ZFP Hotely (seminar hotel network), ZFP Reality (real estate services), and ZFP World Index (financial indices). Core product categories include investments (ETFs, real estate funds, commodities, crowdfunding, DIP), savings (building savings, pension savings), insurance (life and non-life), and loans (consumer and mortgage products). The company serves clients across the Czech Republic, Slovakia, Poland, Hungary, Serbia, and Romania.

Differentiator

Problem solved

Functional benefit

Brands

• ZFP akademie: Financial education and advisory services (Czech Republic)
• ZFP akadémia
• ZFP Investments
• ZFP Finance I.
• ZFP Gold
• Hotely Akademie
• ZFP Reality
• ZFP World Index
• ZFP Makléř
• ZFP UP Premium SICAV
• Šanon klienta

Products and services

• Investment Products (Investice) Investment brokerage offerings covering ETFs, real estate funds, commodities such as gold and silver, crowdfunding projects, and long-term investment products (DIP), brokered to individual clients through the ZFP advisor network.
• Savings Products (Spoření) Building savings (stavební spoření) and supplementary pension savings (DPS) products distributed to clients through partner institutions and the ZFP advisor network.
• Insurance Products (Pojištění) Non-life insurance (property, vehicle, liability, travel) and life insurance products brokered to individual clients from multiple insurance partners including Allianz, Kooperativa, UNIQA, and Generali.
• Loan Products (Úvěry) Consumer loans and mortgage financing products brokered to clients in partnership with banks such as Česká spořitelna, Komerční banka, UniCredit Bank, and Hypoteční banka.
• ZFP Real Estate Fund Retail open-ended real estate fund investing in commercial properties including shopping centers, office buildings, and logistics facilities across Czech Republic, Slovakia, Poland, and Hungary; available to retail investors with minimum investment thresholds.
• ZFP UP Premium SICAV Premium real estate fund structured as SICAV for qualified investors, holding institutional-grade commercial properties such as BCT 1 in Košice with long-term tenants including Deutsche Telekom IT Solutions Slovakia.
• ZFP Finance I. Crowdfunding Platform Online crowdfunding platform enabling individual investors to participate in commercial real estate development projects through pooled project-specific investments.
• ZFP Gold Investment Products Physical gold and silver investment products offered through one-time purchases and the Zlatý Finanční Program (Golden Financial Program) regular savings scheme for individual investors.
• ZFP Akademie Financial Education Seminars Structured financial literacy education delivered through free and advanced seminars covering investments, savings, insurance, and loans, also serving as the certification pathway for ZFP financial advisors.
• Šanon klienta Mobile App Client-facing mobile application providing a consolidated overview of a client's financial products held with ZFP and partner institutions.

Quantifiable outcome

• 360,000+ seminar participants trained since 1995
• +5 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

26 partnerships are on record, tiered core, minor and flagship.

• AllianzcoreChannel Partner/ Reseller/ DistributorInsurance product partner - ZFP offers Allianz insurance products through its advisor network.
• Česká spořitelnacoreChannel Partner/ Reseller/ DistributorBanking and financial services partner - products offered through ZFP network include Česká spořitelna financial instruments.
• ČSOBcoreChannel Partner/ Reseller/ DistributorBanking group partner including ČSOB Pojišťovna, ČSOB Penzijní společnost, ČSOB leasing - offering loans, insurance, pension, and leasing products.
• Generali Česká pojišťovnacoreChannel Partner/ Reseller/ DistributorInsurance partner offering life and non-life insurance products through ZFP advisors.
• Komerční bankacoreChannel Partner/ Reseller/ DistributorBanking partner including KB Penzijní společnost and KB Pojišťovna - financial products distributed through ZFP network.
• KooperativacoreChannel Partner/ Reseller/ DistributorMajor Czech insurance company partner for property and casualty insurance products.
• UNIQAcoreChannel Partner/ Reseller/ DistributorInsurance partner offering health and property insurance products.
• Raiffeisen BANKcoreChannel Partner/ Reseller/ DistributorBanking partner including Raiffeisen Stavební spořitelna for building savings products.
• Modrá pyramidacoreChannel Partner/ Reseller/ DistributorBuilding savings products offered through ZFP advisor network.
• NNcoreChannel Partner/ Reseller/ DistributorInsurance and pension products partner for life insurance and supplementary pension savings.
• ČPPminorChannel Partner/ Reseller/ DistributorProperty insurance partner.
• Direct pojišťovnaminorChannel Partner/ Reseller/ DistributorDirect insurance products partner.
• Stavební spořitelna České spořitelny (Burinka)coreChannel Partner/ Reseller/ DistributorBuilding savings products distributor.
• Hypoteční bankacoreChannel Partner/ Reseller/ DistributorMortgage products partner for housing loans.
• J&T BankacoreChannel Partner/ Reseller/ DistributorPrivate banking and investment products partner.
• mBankminorChannel Partner/ Reseller/ DistributorDigital banking products offered through network.
• OberbankminorChannel Partner/ Reseller/ DistributorBanking services for Czech and Slovak clients.
• UniCredit BankcoreChannel Partner/ Reseller/ DistributorCorporate and retail banking products through ZFP advisors.
• SLAVIA PojišťovnaminorChannel Partner/ Reseller/ DistributorSpecialty insurance products.
• VZP PojišťovnaminorChannel Partner/ Reseller/ DistributorHealth insurance products partner.
• BidliminorChannel Partner/ Reseller/ DistributorEnergy and utility services partner.
• GreenUPminorChannel Partner/ Reseller/ DistributorEnergy savings and sustainability products.
• WOOD & CompanycoreChannel Partner/ Reseller/ DistributorInvestment and asset management partner.
• Česká národní bankaflagshipStrategic or Co-development PartnerHost venue for Financial Literacy Competition finals; regulatory oversight of financial services; Q3/Q4 2025 partnership in education initiatives.
• Ministerstvo financí ČRflagshipStrategic or Co-development PartnerPatronage of Financial Literacy Competition; regulatory support for financial education initiatives.
• Ministerstvo školství, mládeže a tělovýchovy ČRflagshipStrategic or Co-development PartnerPatronage of Financial Literacy Competition; supporting financial education in Czech schools.

Scale indicators15 records

Recent moves13 records

Expansion highlights6 records

Broad incumbents

• Aon: Global insurance and reinsurance brokerage with CEE presence. Comparable intermediation/commission model at vastly larger scale; operates as a broad incumbent rather than a regional education-led specialist.
• Swiss Life Select: European financial-advisory network with Czech operations distributing insurance and investment products through tied advisors. Comparable business model but with materially larger international parent and broader European footprint than ZFP.

Direct peers

• Conseq Investment Management: Czech investment-management company managing mutual funds, asset management mandates, and pension products. Directly comparable to ZFP Investments as a domestic retail fund manager competing in Czech fund rankings.
• Partners Financial Services: Czech financial-services intermediary distributing insurance, investment, and banking products through an externally licensed advisor network. Closely comparable business model to ZFP Makléř's intermediation arm and a clear competitor for the same bank/insurer partnerships.
• AMISTA investiční společnost: Czech investment-management company operating open-ended funds (including real estate). Peer to ZFP Investments in domestic fund management, with comparable client base and regulatory positioning.
• J&T Investiční společnost: J&T's Czech asset-management arm running retail and qualified-investor funds across multiple asset classes, including real estate. Comparable to ZFP Investments/ZFP UP Premium SICAV on AUM-sourcing, fund structuring, and cross-selling through CEE distribution.
• REICO (ČS nemovitostní fond): UniCredit's Czech real estate fund — long-standing retail real estate fund that competes with ZFP real estate fund in the same Hospodářské noviny 'TOP real estate funds' ranking. Closest head-to-head competitor for Czech retail real estate capital.
• Fincentrum / Banka CREDITAS: Czech financial advisory group built on a field advisor/broker model distributing banking, investment, and insurance products. Operates in the same Czech retail intermediation market with overlapping partner banks and insurers, and is the most direct strategic comparable to ZFP akademie/ZFP Makléř.

Regional players

• Wood & Company: Prague-headquartered CEE investment-management and brokerage firm with private banking, asset management, and securities services. Already a strategic partner of ZFP and a regional peer in investment distribution and asset gathering.

Emerging players

• CrowdEstate: Central European real-estate crowdfunding platform allowing retail investors to fund individual development projects. Closest digital-native comparable to ZFP Finance I.'s crowdfunding vehicle, though smaller in capital deployed.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCZbK1Np2Rgni6FAftGIgNPg/featured
• Facebookfacebook.com/zfpgroupcz
• LinkedInlinkedin.com/company/zfpgroupcz
• Instagraminstagram.com/zfpgroupcz

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries9 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 ZFP GROUP