Yfv Youfinance Vermittlungs Gmbh

What Yfv Youfinance Vermittlungs Gmbh does

Yfv Youfinance Vermittlungs Gmbh (operating as YouFinance) is a Wiesbaden-based, founder-owned financial investment advisory firm (Finanzanlagenvermittler) licensed under §34f of the German Trade Regulations Act (GewO) and supervised by BaFin. The company was founded by Marvin Hegewald, a former Deutsche Bank employee, and Jakob Abel, a former insurance professional, and serves German affluent private investors who hold at least €20,000 in capital, earn a minimum of €3,500 net monthly income from permanent employment, and have a positive Schufa credit history.

YouFinance distributes two core products: an Immobilienportfolio-Aufbau-Service for building real estate investment portfolios targeting 4-6% rental yields with borrower-positive cash flow, and a WELT AG Paket of evidence-based equity allocations across global stocks marketed with stated average annual returns of approximately +10%. There is no proprietary technology platform; the firm uses standard martech infrastructure — HubSpot CRM, Google Ads and Analytics, Facebook and LinkedIn retargeting, WhatsApp Business, ProvenExpert review badges, and Zapier automation — to operate a structured three-step consultation sales funnel (initial meeting, personalized advisory, and implementation).

The business model is professional services: revenue is earned through advisory fees and placement commissions on real estate and securities transactions, with no recurring AUM-based fee schedule disclosed. The company operates from a single headquarters in Wiesbaden, services only the German domestic market, has no external investors or parent entity, and has not raised institutional funding. The market position is built on founder credibility, a contrarian positioning against bank-sold ETFs and insurance products, and a relationship-driven direct sales motion rather than on technology, scale, or proprietary data assets.

Name

Yfv Youfinance Vermittlungs Gmbh

Legal name

YFV YouFinance Vermittlungs GmbH

Website

https://youfinance.net

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

11–50 employees

Short description

YouFinance is a Wiesbaden-based, BaFin-supervised financial investment broker (Finanzanlagenvermittler) that advises German affluent professionals on real estate portfolios and evidence-based global equity packages, starting at €20,000 per client.

Ownership category

akta.pro rank

Product category

Financial Advisory

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Private Banking Advisory & Discretionary Portfolio Management (FSABADAD)

akta.pro secondary industries

Affluent / Mass-Affluent Private Banking (FSABADAC), Comprehensive Financial Planning (FSAEAAAA), Real Estate Capital Markets Advisory (Debt/Equity Placement, Refinancing) (BPAJANAE)

Keywords

• Financial advisory services
• Real estate investment
• Wealth management
• Investment brokerage
• Portfolio advisory

Headquarters

HQ city

Wiesbaden

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Financial Advisory and Investment Consulting Services: The company generates revenue through advisory fees and potentially commissions on financial products placed. As a licensed financial investment broker (Finanzanlagenvermittler) under §34f GewO, they earn fees for investment advice and product placement in real estate and securities. The revenue model appears to be primarily fee-based, potentially with transaction commissions on executed investments.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels6 records

Core offering

YouFinance is a licensed financial investment broker (Finanzanlagenvermittler under §34f GewO, supervised by BAFin) that provides personalized advisory services to private investors for building real estate portfolios and evidence-based global stock packages. The firm offers a structured 3-step consultation process targeting affluent professionals with at least €20,000 in capital and €3,500 net monthly income, positioning itself as an alternative to traditional bank and insurance products.

Product overview

YouFinance is a financial investment advisory firm offering two core services: (1) an Immobilienportfolio-Aufbau-Service for building real estate investment portfolios with minimum 4-6% rental yields, and (2) a WELT AG Paket providing evidence-based stock packages across all global stocks with claimed average 10% annual returns. Both products target private investors seeking to build 7-digit wealth through long-term investments, with a minimum investment threshold of €20,000 and requirements for steady employment and clean credit history.

Differentiator

Problem solved

Functional benefit

Products and services

• Immobilienportfolio-Aufbau-Service Real estate portfolio building service for private investors that targets rental yields of 4-6% with long-term positive cash flow, where tenant rent covers financing costs. Designed to help clients build a 7-digit real estate wealth for retirement with reliable rental income.
• WELT AG Paket (Aktienpakete) Evidence-based stock package providing exposure to all global stocks, with a claimed average annual return of +10%, designed for long-term wealth building and retirement planning for private investors.

Quantifiable outcome

• 4-6% rental yield on real estate investments
• +3 more outcomes

Named customers3 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Direct peers

• Quirin Privatbank AG: German fee-only private bank offering advisory and discretionary portfolio management to affluent and HNW clients — the closest regulated competitor to YouFinance in the same product category (investment advisory) and customer segment (mass-affluent to HNW), with explicit anti-bank positioning.
• MLP SE: Major German independent financial advisory and brokerage group serving mass-affluent and HNW clients across wealth, insurance, and real estate financing — directly comparable to YouFinance in target customer, regulated advisory model, and multi-product (real estate + securities) offering.
• Honorarfinanz AG: German association of fee-only financial advisors providing transparent, commission-light investment advice to private clients — a direct peer in philosophy (transparent fees, advisory not product-pushing) and German mass-affluent target market.

Emerging players

• Oskar.de (Scalable Capital JV): German Robo-advisor / ETF-based wealth builder targeting mass-affluent investors with low minimums — comparable on customer segment (€20K+ German investors) and fee transparency, though opposite on the active-management / passive-ETF philosophy.
• Fintechs GmbH (FYNE): German digital wealth management / advisory platform targeting mass-affluent investors — emerging competitor with overlapping customer segment and digital-first advisory delivery, comparable to YouFinance's tech-enabled consultation model.

Broad incumbents

• Deutsche Bank Wealth Management: Private banking and wealth management division of Deutsche Bank — the establishment incumbent YouFinance explicitly positions against, offering the same advisory services to mass-affluent and HNW clients that YouFinance targets with its anti-bank pitch.
• Hypoport AG / Dr. Klein: German fintech platform group whose Dr. Klein brand is a major real estate financing broker — directly comparable to YouFinance's Immobilienportfolio-Aufbau-Service in product category and customer segment, but operating at vastly larger scale as a B2B platform.
• DVAG (Deutsche Vermögensberatung): Largest German independent financial advisory network with hundreds of thousands of clients across insurance, investment, and real estate financing — broader incumbent in the same retail advisory space where YouFinance competes for the same affluent professional segment.
• Baader Bank AG: German mid-tier bank offering capital markets, brokerage, and investment advisory services — comparable as a regulated German platform that can execute securities transactions similar to the WELT AG Paket and serve advisory clients in the same mass-affluent segment.

Others

• Finanztip / Verbraucherzentrale (advisory content peers): Major German consumer finance advisory media brands shaping retail investor sentiment on bank fees and product transparency — not a direct competitor but an ecosystem influence that frames how prospective YouFinance clients evaluate bank vs. independent advisory.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/yfv-youfinance-vermittlungs-gmbh

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 Yfv Youfinance Vermittlungs Gmbh