OVB Allfinanz Slovensko as

What OVB Allfinanz Slovensko as does

OVB Allfinanz Slovensko a.s. is a Slovak financial intermediation company headquartered in Bratislava, operating since 1993 as a wholly-owned subsidiary of Germany's OVB Holding AG (founded 1970 in Cologne). The company is licensed by the National Bank of Slovakia as an independent financial agent (registration No. 113) and is authorized to operate across six regulated sectors: insurance/reinsurance, capital markets, supplementary pension savings, deposit taking, lending, and old-age pension savings. Its core function is to connect individual Slovak households with financial products from a network of more than 30 product partners, including banks, insurers, building societies, pension fund management companies, and asset managers.

The company's product portfolio spans insurance (property, home, travel, and business), investment solutions (capital market instruments, funds, investment insurance), retirement planning (supplementary pension savings — DDS, and old-age pension savings — SDS), savings, and housing finance (mortgages, housing loans, building society savings). Supporting infrastructure includes the Moje OVB client portal (online archive of contract proposals), the OVB Portal e-learning platform for mandatory advisor training (Osobitné finančné vzdelávanie — OFV), Zoom-based remote consultations, and a publicly accessible career portal for intermediary recruitment. Distribution is carried out exclusively through a nationwide network of licensed independent financial intermediaries (podriadení finanční agenti) meeting clients in person or online.

The business model is commission-based: OVB does not charge clients directly for brokerage services, instead earning commissions (provízie) from financial product providers on each successfully intermediated transaction. Sub-agents receive monetary or non-monetary compensation. The primary customer segment is individual Slovak households seeking comprehensive, long-term financial planning across life stages. Marketing is conducted through a Slovak-language blog, Facebook and LinkedIn channels, and the Finančná gramotnosť hrou financial literacy program targeting schools and adults.

Name

OVB Allfinanz Slovensko as

Legal name

OVB Allfinanz Slovensko a. s.

Website

https://ovb.sk

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

OVB Allfinanz Slovensko a.s. is a Slovak financial intermediary connecting individual households with insurance, investment, retirement, savings, and housing products from 30+ financial partners. A subsidiary of Germany's OVB Holding AG, it distributes through a nationwide network of licensed financial intermediaries.

Ownership category

akta.pro rank

Product category

Financial Intermediation & Advisory Services

NAICS

Insurance Agencies and Brokerages (524210), Portfolio Management and Investment Advice (523940), Miscellaneous Intermediation (523910)

SIC

Insurance Agents, Brokers & Service (6411), Investment Advice (6282), Loan Brokers (6163)

akta.pro primary industry

Independent Broker-Dealer / Registered Representative Networks (FSAEACAG)

akta.pro secondary industry

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)

Keywords

• Financial intermediation
• Insurance brokerage
• Retirement planning
• Investment advisory
• Mortgage brokerage

Headquarters

HQ city

Bratislava

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Commission from financial institutions: OVB earns commissions (provízie) from financial institutions (banks, insurers, pension companies, asset managers) for each financial product successfully intermediated. OVB does not charge clients directly for brokerage services; revenue is paid by the financial product providers. OVB pays commissions to its sub-agents (podriadení finanční agenti) in the form of monetary or non-monetary compensation.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

OVB Allfinanz Slovensko a.s. provides comprehensive financial intermediation services in Slovakia, connecting individual clients with more than 30 financial product partners (banks, insurance companies, pension fund management companies, building societies, and asset managers). Licensed as an independent financial agent by the National Bank of Slovakia, the company covers six regulated sectors including insurance, capital markets, supplementary and old-age pension savings, deposit taking, and lending, with a long-term advisory model featuring regular financial plan reviews tailored to clients' life stages.

Product overview

OVB Allfinanz Slovensko as operates as a comprehensive financial intermediation platform offering individualized financial solutions through a network of financial intermediaries. The core offering is financial intermediation services that connect clients with over 30 financial product partners including banks, insurance companies, and building societies. The product portfolio includes insurance (property, home, travel, business), investments (capital market instruments, funds), retirement planning (supplementary pension DDS, old-age pension SDS), savings, housing finance (mortgages, loans), and financial planning. Supporting infrastructure includes the Moje OVB client portal (providing online access to contract proposals), OVB Portal e-learning platform for advisor training, OVB Mail email service, and specialized financial education (OFV) programs. The company is regulated by the National Bank of Slovakia as a licensed financial broker (registration number 113).

Differentiator

Problem solved

Functional benefit

Products and services

• Insurance brokerage (Poistenie)

Quantifiable outcome

• More than 3.3 million clients served across Europe
• +2 more outcomes

Named customers1 record

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature3 records

Partnerships

One partnership is on record.

• 30+ Financial Institutions (Banks, Insurers, Pension Companies)coreOthersOVB cooperates with more than 30 product partners (financial institutions) on the Slovak market, including banks, insurers, building societies, pension fund management companies, and asset management companies. These partners are selected based on strict criteria and provide the product portfolio that OVB intermediaries offer to clients.

Scale indicators4 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• Generali Group: Generali is OVB Holding AG's qualified minority shareholder (via Generali CEE Holding) and a major pan-European insurer with its own distribution networks. It is both a product supplier and strategic counterparty, with overlapping insurance-distribution interests in Slovakia.
• Allianz - Slovenská poisťovňa: Allianz - Slovenská poisťovňa is the largest composite insurer in Slovakia with an established tied/captive agent network selling life, motor, and property insurance. It is both an OVB product partner and a structural distribution competitor in Slovak retail insurance.
• OVB Holding AG: OVB Holding AG is the German-listed parent company of OVB Allfinanz Slovensko and operates the same multi-line intermediation model in 15 other European countries, providing direct group-level comparability on revenue mix, commission dependence, and advisor productivity.
• Kooperativa (Vienna Insurance Group): Kooperativa is one of Slovakia's largest insurers with a tied agent distribution network offering life, non-life, and combined insurance products. It overlaps with OVB as both an insurance product supplier via the partner ecosystem and a competing distribution channel.

Direct peers

• Partners Financial Group (Czech/Slovak): Partners is a competing financial-advisory network operating in Czechia and Slovakia with a similar multi-product intermediation model and large independent advisor base; it directly competes with OVB for retail intermediation clients in Slovakia.
• Swiss Life Select (formerly AWD): Swiss Life Select is one of Europe's largest independent multi-line financial intermediary networks, structurally similar to OVB—operating through registered advisors placing insurance, investment, retirement, and mortgage products from multiple providers. Both rely on commission-based revenue from product partners.
• Deutsche Vermögensberatung (DVAG): DVAG is Germany's largest independent financial advisory network with a similar multi-product, branch-based structure; competes directly with OVB in the German/Central European retail intermediation space using registered sub-agents selling across insurance, investment, and banking products.
• Fincentrum & Forbes: Fincentrum (operating under Fincentrum & Forbes in Slovakia) is a leading Czech-Slovak financial advisory platform offering multi-line intermediation via a network of licensed advisors; competes head-on with OVB on the Slovak market for retail intermediation.
• MLP Group: MLP is a German-listed independent financial advisory group serving retail and SME clients across insurance, wealth, and lending. Its network of independent financial advisors and multi-partner product model mirrors OVB's intermediation approach in DACH/CEE markets.

Regional players

• Wüstenrot - stavebná sporiteľňa: Wüstenrot is a Slovak building society offering housing savings, mortgages, and related financial advisory through a regional branch and advisor network; it competes with OVB in housing-related intermediation and savings products within Slovakia.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/sharer/sharer.php?kid_directed_site=0&sdk=joey&u=https://www.ovb.sk
• LinkedInlinkedin.com/company/ovballfinanzslovensko

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 OVB Allfinanz Slovensko as