Stichting CIS

What Stichting CIS does

Stichting CIS (Stichting Centraal Informatie Systeem) is a Dutch non-profit foundation founded in 1985 by Achmea, AEGON, asr, and Nationale-Nederlanden to operate a shared insurance data platform serving the Dutch insurance market. The organization manages the CIS Database, which contains 17 million registrations contributed by nearly 400 participating insurance companies and authorised agents, and supports risk assessment in underwriting acceptance, claims handling, fraud prevention, and regulatory compliance. The platform underpins an estimated 9 out of 10 insurance fraud investigations in the Netherlands and processes 1.2 million automated and 170,000 manual queries per month across approximately 7,300 users.

The foundation's product architecture is a platform-plus-modules structure. The core CIS Database stores claim notices, confidential notices, the external reference index (EVR), guarantee fund reports, driving disqualifications, total loss reports, and sanctions list data. The FISH software application provides member-side query and management access, while the WebApp (integrated with the Yivi identity platform) gives Dutch consumers a GDPR-compliant channel to view and correct their own registrations. Add-on services include Compliancy Check for mandatory Wwft/Sanctions Act screening, UBO Check for beneficial-owner verification, the in-development CIS Referencing Tool (CRT) for cross-insurer reference lookups, and Internal Member Notes (IVR) for member-private records.

CIS operates on a cost-recovery membership model: insurance companies contribute fees scaled to their market share, authorised agents holding power of attorney from a participating insurer are not charged, and all funds are reinvested into service development. Participation is restricted to entities licensed under the Financial Supervision Act (Wft) and registered with the AFM. The foundation is governed by a board with representatives from ASR Schadeverzekering, Nationale-Nederlanden Schadeverzekering, and the Nederlandse Vereniging van gevolmachtigde Assurantiebedrijven (NVGA), and operates under the Gedragscode Verwerking Persoonsgegevens Verzekeraars and the Protocol Incidentenwaarschuwingssysteem Financiële Instellingen. Headcount is in the 11-50 range, and CIS is explicitly a non-profit with no external investors or parent company.

Name

Stichting CIS

Legal name

Stichting Centraal Informatie Systeem

Website

https://stichtingcis.nl

Company type

Private

Founded year

1985

Operating status

Operating

Headcount range

11–50 employees

Short description

Stichting CIS is a Dutch non-profit foundation operating a shared insurance database serving nearly 400 insurers and authorised agents with fraud prevention, risk assessment, sanctions screening, and UBO verification services for the Dutch market.

Ownership category

akta.pro rank

Product category

Insurance Data Services

NAICS

Insurance Carriers and Related Activities (524)

akta.pro primary industry

Risk, Controls & Governance (GRC) Platforms (FSAFAOAG)

Keywords

• Insurance data sharing
• Fraud prevention services
• Claims risk assessment
• Sanctions compliance check
• UBO verification services

Headquarters

HQ city

The Hague

HQ country

Netherlands

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Infrastructure

Revenue model

1. Membership Contributions: CIS is a non-profit foundation. Membership fees are based on the insurance company's market share. Authorised agents are not charged provided they hold power of attorney from a participating insurer. All funds are reinvested into service development and delivery.

Go-to-market motion1 record

Distribution channels1 record

Core offering

Stichting CIS operates a centralized insurance data platform (CIS Databank) containing 17 million registrations shared among nearly 400 Dutch insurance companies and authorized agents. The foundation delivers fraud prevention, risk assessment for policy acceptance and claims, mandatory sanctions-list screening (Compliancy Check), and UBO verification services to its member insurers operating under the Dutch Financial Supervision Act (Wft).

Product overview

Stichting CIS operates a core platform centered on the CIS Database (CIS Databank), which contains 17 million insurance-related records. The offering is structured as a platform-plus-modules architecture. The core platform is supported by the FISH software application and the WebApp for consumer access requests. Additional services include Compliancy Check for sanctions screening, UBO Check for beneficial ownership verification, and the CIS Referencing Tool (under development) for identifying insurance relationships. Internal Member Notes provide members with internal recording capabilities. The CIS Database is queried 1.2 million times automatically and 170,000 times manually per month, with CIS data forming the basis for 9 out of 10 insurance fraud investigations in the Netherlands.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• 9 in 10 insurance fraud investigations start with CIS data
• +2 more outcomes

Named customers14 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature4 records

Partnerships

One partnership is on record.

• Verbond van Verzekeraars (Association of Insurers)coreOthers · 1 January 1985CIS was established in 1985 through collaboration of leading Dutch insurers. The Association of Insurers (Verbond van Verzekeraars) continues to collaborate with CIS, including receiving driving disqualification data from the government under their responsibility and hosting the Centre for Combating Insurance Crime (CBV) which receives data from CIS.

Scale indicators6 records

Recent moves7 records

Expansion highlights4 records

Emerging players

• FRISS: Provider of fraud and risk analytics specifically for P&C insurers, combining internal policy data with external data sources for real-time fraud detection at underwriting and claims. Closely comparable to CIS's fraud-prevention use case but delivered as a SaaS overlay rather than a shared industry database.
• Shift Technology: AI-native insurance fraud detection and claims automation vendor used by global property & casualty and health insurers. Competes with CIS for the fraud-detection workload inside member insurers by offering richer ML-based scoring on top of carrier data.

Others

• Datavant: Health-data exchange company that connects fragmented health records across organisations while preserving privacy. Operates a comparable 'shared data utility for an industry vertical' model to CIS, even though the underlying industry (healthcare) is different.

Regional players

• Insurance Information Bureau of India: Industry-backed repository of insurance claims information in India used by insurers for fraud detection and underwriting. Structurally analogous to CIS - a non-commercial, industry-funded shared insurance database - but operating in a different geographic market.
• Assuralia: Belgian professional association of insurance companies that coordinates industry-wide initiatives including fraud prevention. Comparable to CIS in its role as an industry-coordination body for the Belgian insurance market, though its scope is broader than CIS's database-led offering.

Broad incumbents

• Verisk: Large data-analytics and risk-assessment vendor serving the global insurance industry with proprietary industry databases, fraud analytics, and underwriting solutions. Overlaps with CIS on insurance data aggregation and risk assessment but operates commercially and at global scale rather than as a country-specific non-profit exchange.
• LexisNexis Risk Solutions: Provides data, analytics, and fraud-detection technology to insurers for identity verification, claims fraud, and underwriting risk assessment. Comparable to CIS in serving insurer fraud-prevention and risk-assessment workflows, but as a commercial multi-country vendor rather than a member-owned foundation.
• SAS Fraud Management (Insurance): Enterprise analytics platform with a dedicated insurance fraud-management offering used by large global carriers. Overlaps with CIS in fraud detection at member insurers but is a commercial enterprise-software vendor rather than a shared industry exchange.

Direct peers

• Insurance Fraud Bureau (IFB): UK not-for-profit body, established and funded by the insurance industry, that coordinates intelligence-led action against insurance fraud. Like CIS, it serves as a shared industry infrastructure for fraud detection and investigation, with comparable member-driven governance.
• Claims and Underwriting Exchange (CUE): UK-based shared industry database used by insurers to detect fraudulent and dishonest insurance claims. It is the closest international analogue to Stichting CIS, operating the same cross-carrier claims-history and fraud-prevention data-exchange model for the UK insurance market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/stichting-cis

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Stichting CIS