Acm Insurance

What Acm Insurance does

ACM Insurance is the commercial brand for two Belgian insurance entities — ACM Belgium NV (non-life insurance, NBB code 0964) and ACM Belgium Life NV (life insurance, NBB code 0956) — operating as wholly-owned subsidiaries of Crédit Mutuel Alliance Fédérale, a large European banking and insurance federation. The company serves Belgian individual consumers and self-employed professionals, distributing insurance products exclusively within Belgium via six physical flagshipstores (Brussels, Antwerp, Ghent, Liège, Namur, Charleroi), online quote tools, telephone advisory, and a distribution partnership with Beobank for life insurance products.

The product portfolio spans mobility insurance (auto, motorcycle, moped/scooter, bicycle), home insurance, family liability and personal accident products, funeral and family protection plans, tax-advantaged savings (pension savings, long-term savings, life insurance), credit protection for personal/mortgage/credit card loans, and professional solutions including VAPZ and IPT for self-employed. The technology stack consists of web-based underwriting and policy management platforms compliant with EU Directive 2019/882 accessibility requirements, with IT infrastructure, cybersecurity (CERT CM-EI), and website management delivered by Euro-Information, the IT subsidiary of the parent group. Alarm and monitoring services (Homiris) are delivered in partnership with Euro Protection Surveillance (EPS), and assistance services are provided by AWP P&C NV (Mondial Assistance).

The business model is built on recurring subscription-based insurance premiums (annual auto/home policies, periodic life insurance payments, monthly alarm subscriptions), with a solidarity-based collective risk-sharing positioning. Pricing is largely quote-based and risk-adjusted per individual profile. Geographic concentration is total: the company insures only risks located in Belgium by NBB regulatory restriction, and distribution is hybrid (direct sales branches + digital self-service + Beobank intermediary). No revenue figures, headcount data, or financial performance metrics are disclosed in the source material.

Name

Acm Insurance

Legal name

ACM Belgium NV

Website

https://acm.be

Company type

Private

Founded year

2023

Operating status

Operating

Short description

ACM Insurance is a Belgian insurance provider serving individual consumers and self-employed professionals through six flagshipstores, digital quote tools, and a Beobank intermediary partnership, offering mobility, home, family, savings, and credit protection products under the Crédit Mutuel Alliance Fédérale group.

Ownership category

akta.pro rank

Product category

Personal Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Direct Life, Health, and Medical Insurance Carriers (52411), Insurance Carriers (5241)

SIC

Insurance Carriers, Nec (6399), Fire, Marine & Casualty Insurance (6331), Life Insurance (6311)

akta.pro primary industry

Personal Auto Insurance (FSAJAMAA)

akta.pro secondary industry

Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ)

Keywords

• Personal insurance products
• Auto insurance
• Home insurance
• Life insurance
• Pension savings

Headquarters

HQ city

Brussel

HQ country

Belgium

HQ region

Europe

Offices8 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Non-life Insurance Premiums: Recurring premium payments for property and casualty insurance products including auto, motor, scooter/bicycle, home, and familial liability insurance. Annual contracts with automatic renewal.
2. Life Insurance Premiums: Premium payments for life insurance products (IPT - Individual Pension Commitment and VAPZ - Free Complementary Pension for Self-employed) with periodic payment options (annual, semi-annual, quarterly, monthly).
3. Alarm and Remote Monitoring Services: Monthly subscription fees for Homiris Pro alarm and surveillance services offered in partnership with EPS, including Comfort Pro (from €39.50/month excl. VAT) and Serenity Pro (from €48.50/month excl. VAT) formulas.
4. Credit Protection Insurance: Credit protection plans for personal loans, mortgage loans, and credit cards.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

ACM Insurance is a Belgian insurance provider operating two licensed entities (ACM Belgium NV for non-life and ACM Belgium Life NV for life insurance) under the Crédit Mutuel Alliance Fédérale group. It sells personal and professional insurance products spanning mobility (auto, motorcycle, moped, bicycle), home, family liability, personal accidents, funeral and family protection plans, tax-advantaged pension and long-term savings, credit protection for loans and cards, professional pensions (IPT/VAPZ), and alarm/monitoring services (Homiris via EPS).

Product overview

ACM Insurance (ACM Belgium NV) is a Belgian insurance company offering a comprehensive portfolio of insurance and savings products. The offering is organized as multiple distinct product lines rather than a unified platform: (1) Mobility insurance covering auto, motorcycle, moped/scooter, and bicycle; (2) Home insurance for owners, tenants, and landlords; (3) Family insurance including civil liability, personal accidents, funeral planning, and family protection; (4) Tax-advantaged savings including pension savings, long-term savings, and investment products (Beobank Patrimonial, Invest 21); (5) Credit protection insurance for loans and credit cards; (6) Professional solutions including business auto, VAPZ (supplementary pension for self-employed), IPT (individual pension commitment), and alarm/monitoring services via the Homiris partner brand. Products are distributed through branches, online quoting, and the Beobank intermediary partnership.

Differentiator

Problem solved

Functional benefit

Brands

• Agenia Business IPT: Individual pension commitment (IPT) life insurance product for self-employed business leaders
• Agenia Business VAPZ
• Moto Serenity
• Scoot & Bike Serenity
• Home Serenity
• Invest 21
• Beobank Patrimonial

Products and services

• Autoverzekering (Auto Insurance)

Quantifiable outcome

• 10% minimum discount for drivers covering less than 10,000 km per year
• +4 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• EPS (Euro Protection Surveillance)coreStrategic or Co-development PartnerEPS manages the Homiris alarm and remote monitoring service offered to ACM Insurance customers. EPS is a major European player in monitoring services with 40 years of experience. They partner with G4S and SERIS for security solutions in Belgium.
• Beobank NV/SAcoreChannel Partner/ Reseller/ DistributorBeobank acts as insurance intermediary for ACM Belgium Life NV's life insurance products including Agenia Business IPT (Individual Pension Commitment) and Agenia Business VAPZ (Free Complementary Pension for Self-employed). Distribution through Beobank branches across Belgium.
• AWP P&C NV (Mondial Assistance)coreStrategic or Co-development PartnerMondial Assistance provides assistance services (Tak 18) for ACM Insurance products. Located at Koning Albert II-laan 32, 1000 Brussel, approved under code 2769. Handles assistance requests including rental bicycle costs up to €250 and repatriation services.
• Euro-InformationcoreTechnology or IntegrationEuro-Information provides IT services, website management, and cybersecurity infrastructure for ACM Insurance. Registered in Strasbourg (RCS B 312 730 674), headquartered at 4 rue Frédéric-Guillaume Raiffeisen, 67000 Strasbourg, France. Manages the vulnerability disclosure program and CERT CM-EI.
• Crédit Mutuel Alliance FédéralecoreOthersParent company/group of ACM Insurance. Euro-Information is the IT subsidiary of Crédit Mutuel Alliance Fédérale. ACM Insurance operates under this European banking and insurance federation.
• G4SminorOthersSecurity solutions provider partnered with EPS for Homiris alarm services, providing intervention and monitoring capabilities in Belgium.
• SERISminorOthersSecurity solutions provider partnered with EPS for Homiris alarm services in Belgium, specializing in intervention and surveillance.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Belfius Insurance: Bancassurer offering life, non-life, and savings products distributed through Belfius bank's branch and digital channels. Highly comparable to ACM's Beobank-anchored hybrid distribution and Belgian market concentration.
• AG Insurance: Belgium's largest multi-line insurer offering life, non-life, and savings products with extensive branch and bank-partner distribution (via BNP Paribas Fortis). Closest direct competitor to ACM's full product portfolio and Belgian market focus.
• Baloise Belgium: Swiss-headquartered insurer operating in Belgium offering P&C and life products for individuals and SMEs. Overlaps with ACM in personal lines, auto, and home coverage in the Belgian market.
• Allianz Belgium: Belgian arm of Allianz offering auto, home, life, and investment products via agents and brokers. Direct competitor in personal insurance with similar product breadth.
• AXA Belgium: Major Belgian insurer providing auto, home, family, life, and savings products through agents and brokers. Competes head-to-head with ACM in personal lines and bancassurance-adjacent distribution.
• Ethias: Belgian mutual insurer providing P&C, life, and health insurance for individuals and the public sector. Comparable Belgian-only footprint and multi-line retail positioning.
• KBC Insurance: Belgian bancassurer integrated with KBC Bank offering life, non-life, and investment products with strong mobile/digital distribution. Comparable product breadth and Belgian-only market scope.
• DVV (De Verzekering): Belgian multi-line insurer offering auto, home, family, and life insurance through a tied-agent network across Belgium. Similar branch-based advisory model and personal-lines focus as ACM.
• Vivium: Belgian mutual insurer focused on P&C and life for individuals, with a strong regional/branch presence in Flanders. Comparable in scale and Belgian-market-only scope to ACM.

Emerging players

• BNP Paribas Cardif Belgium: Belgian life and creditor insurance arm of BNP Paribas Cardif, distributed via BNP Paribas Fortis branches. Comparable bancassurance life-insurance model and Beobank-style intermediary dependency.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/acminsurance

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 Acm Insurance