Van de Zandschulp assurantiën

What Van de Zandschulp assurantiën does

Van de Zandschulp assurantiën is an independent Dutch financial advisory intermediary founded in 1943, operating from a single office at Kierkamperweg 25 in Bennekom, Netherlands. The firm advises individuals (particulieren), self-employed professionals (ZZP), and small-to-medium enterprises (MKB) across three integrated product lines: personal and business insurance, mortgage advisory, and financial planning. Its portfolio covers more than 30 products, including auto, home, travel, liability, legal expenses, valuables, bicycle, moped, motorcycle, boat, caravan, camper and roadside-assistance insurance on the personal side; building, business interruption, glass, signage, cyber, machine breakdown, reconstruction, environmental damage, disability, life, partner, and ZZP package insurance on the commercial side; and starter, mover, refinancing, and seven different mortgage types. Mortgage advisory fees, package discounts of up to 10%, and an authorized ASN Bank agency agreement for savings, payments, and mortgage products complete the offering.

The go-to-market is sales-led and locally concentrated: in-person consultations at the Bennekom office, phone-based advisory at (0318) 415 343, and online quote-request forms drive customer acquisition. Marketing channels include the firm's website, an email newsletter, Facebook and LinkedIn profiles, and an active reputation-building effort on the independent review platform Advieskeuze.nl. The firm holds professional memberships with ADFIZ, FFP (Financieel Planner Platform), Kifid (the Dutch financial-services dispute body), and SEH (Erkend Financieel Adviseur), and pursues a charitable partnership with Compassion. Revenue is generated through insurance brokerage commissions from multiple Dutch insurers, mortgage advisory and arrangement fees, and affiliate-style referral fees from the ASN Bank partnership. Underlying technology consists of standard financial-services tooling, downloadable PDF claim and declaration forms, and a content-managed website without disclosed proprietary systems, APIs, or AI components.

Name

Van de Zandschulp assurantiën

Legal name

Van de Zandschulp assurantiën

Website

https://zandschulp.nl

Company type

Private

Founded year

1943

Operating status

Operating

Headcount range

11–50 employees

Short description

Van de Zandschulp assurantiën is an independent Dutch advisory firm based in Bennekom that brokers personal and business insurance, provides mortgage and financial planning advice, and acts as an authorized ASN Bank agency for individuals, self-employed professionals, and SMEs.

Ownership category

akta.pro rank

Headquarters

HQ city

Bennekom

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: Earns commissions from insurance providers for placing policies (auto, home, travel, business insurance) for both personal and commercial customers.
2. Mortgage Advisory Fees: Generates revenue from advisory services for mortgages including new purchases, refinancing, and equity release. May include arrangement fees and ongoing servicing.
3. Banking Services (ASN Bank Partnership): Provides banking products (savings, payments, mortgages) under ASN Bank brand through a partnership arrangement.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Van de Zandschulp assurantiën is an independent Dutch insurance and mortgage advisory firm that brokers personal and business insurance products, provides mortgage advice, and offers ASN Bank account services. The firm advises individuals, self-employed professionals (ZZP), and small-to-medium businesses (MKB) on risk, mortgage, and banking solutions through in-person and remote consultations.

Product overview

Van de Zandschulp assurantiën is an independent insurance and mortgage advisory firm serving individuals (particulieren), self-employed professionals (ZZP), and small-to-medium businesses (MKB) in the Bennekom region. The company operates as a multi-product financial services practice offering a comprehensive portfolio organized into four main categories: (1) Personal Insurance including auto, home, travel, household contents, valuables, liability, legal expenses, bicycle, moped, motorcycle, classic car, van, camper, boat, caravan, and roadside assistance coverage; (2) Business Insurance covering buildings, business interruption, glass, signage, cyber risk, machinery breakdown, reconstruction, environmental damage, extra costs, disability, life, partner, and self-employed package policies; (3) Mortgages including advisory for first-time buyers, home movers, and refinancing across various mortgage types such as annuity, linear, savings, life, bank savings, investment, and interest-only; and (4) Financial Advisory encompassing pension planning, financial planning, and credit/loan services. The company also partners with ASN Bank for banking products. The portfolio is distributed through bundled package insurance options for both home and business customers, offering up to 10% premium discounts for consolidating multiple policies.

Differentiator

Problem solved

Functional benefit

Products and services

• Particulier Insurance (Personal Insurance) Multi-line personal insurance advisory for individuals and households, covering home, auto, travel, liability, and other personal risks. Products are brokered across multiple insurers to provide independent comparison and tailored coverage.
• ZZP Insurance (Self-Employed Insurance) Tailored insurance solutions for ZZP (self-employed/freelance) professionals, bundling professional liability, business assets, and personal coverage relevant to self-employment risk profiles.
• Zakelijk Insurance (Business Insurance for MKB) Business insurance brokerage for small and medium-sized enterprises (MKB), covering commercial liability, property, fleet, and other corporate risk lines, brokered across multiple insurers.
• Mortgage Advice (Hypotheekadvies) Independent mortgage advice for homebuyers and self-employed clients, including guidance on mortgage selection, structuring, and provider comparison.
• ASN Bank Bank Account Services Bank account opening and related banking services offered to clients via the firm's partnership with ASN Bank, including payments and savings products.

Named customers3 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

Partnerships

Six partnerships are on record, tiered core and minor.

• ASN BankcoreChannel Partner/ Reseller/ DistributorVan de Zandschulp assurantiën serves as an authorized ASN Bank location, offering ASN Bank products including savings accounts, payment services, and mortgages alongside their insurance offerings. This partnership enables bundled financial services for customers.
• CompassionminorOthersCharitable partnership where Van de Zandschulp supports Compassion, an organization focused on children in developing countries. The firm describes this as 'andere mensen helpen zit in ons bloed' (helping others runs in our blood).
• ADFIZminorOthersIndustry association for financial advisors. Logo displayed on website footer indicating membership or alignment.
• FFP (Financieel Planner Platform)minorOthersFinancial planner association representing certified financial planners. Logo displayed on website.
• Kifid (Klachteninstituut Financiële Dienstverlening)minorOthersDispute resolution body for financial services. Logo displayed indicates customer protection and compliance with dispute resolution mechanisms.
• SEH ( Erkend Financieel Adviseur)minorOthersCertified financial advisor recognition. Logo displayed indicates professional certification standards.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Emerging players

• InShared: Direct-to-consumer digital insurer under Achmea selling auto and home insurance online without intermediary; comparable as a pricing-disruptive alternative to the advisory channel this firm operates in, particularly for younger digital-native customers.
• Independer: Dutch insurance and financial-services comparison platform that commoditizes pricing transparency; comparable as it competes for the same consumer insurance buyers and threatens the value proposition of fee-based advisory from independent brokers like this firm.

Broad incumbents

• Achmea: Parent of Centraal Beheer and one of the largest NL insurance groups with broad personal and commercial coverage; comparable in the underlying product universe (auto, home, business, health, liability) that this firm distributes on behalf of carriers.
• A.S.R. Nederland: Major Dutch insurance group covering life, P&C, disability, and pensions with affiliated advisory distribution; comparable in product breadth across personal and commercial lines that this firm brokers on behalf of carriers.
• Nationale-Nederlanden: Large Dutch life, pension, and non-life insurer; comparable in providing the type of life, disability, and pension products that anchor this firm's commercial and ZZP offerings, but at significantly greater scale.
• Centraal Beheer: One of the largest Dutch direct P&C and life insurers with broad personal and SME coverage; comparable in that it offers many of the same product lines (auto, home, business, cyber, disability) but distributes direct rather than via independent brokers.

Regional players

• Univé: Dutch cooperative insurer operating regional offices with local advisors offering personal and business insurance plus adjacent services; comparable in its locally rooted insurance-advisory model and Dutch market focus, though organized as a mutual cooperative rather than independent advisor.

Direct peers

• De Hypotheker: Largest Dutch franchise mortgage-advisory chain, offering mortgage advice alongside insurance-adjacent services at the consumer level; comparable in that it bundles mortgage advisory with broader financial product distribution, though at much greater scale and via franchise model rather than single office.
• Hypotheek Visie: National Dutch mortgage and financial advisory network providing mortgage advisory and connected insurance/banking services; comparable as a multi-product financial advisor targeting consumers and SMEs in the Dutch market, similar customer segments, and overlapping distribution model.
• Van Bruggen Adviesgroep: Independent Dutch financial advisory firm providing insurance, mortgage, and financial planning services across multiple branches; closely comparable in offering the same multi-product advisory mix (particulier + ZZP + MKB) with similar revenue model and Dutch-market positioning.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

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• Facebookfacebook.com/vandezandschulp
• LinkedInlinkedin.com/company/van-de-zandschulp-assuranti-n-b.v.

Revenue estimate

Valuation estimate

Number of profiles

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 de Zandschulp assurantiën