Go Forward

What Go Forward does

Go Forward (legally Go-forward srl) is an independent insurance and credit brokerage firm established in 1998 and headquartered in Mons, Belgium. The company operates two physical brokerage offices—one in Mons (Avenue d'Hyon, 45) and one in Tarcienne in the Charleroi area (Route de Philippeville 87)—serving individual and small business clients across Belgium's Hainaut region, with some clients in Brabant wallon, Namurois (Philippeville), and Brussels. As an FSMA-regulated independent intermediary (registration 041307) authorized across all 29 insurance branches, Go Forward is not tied to any single insurance company and instead places business with a panel of carriers including AEDES, AG Insurance, Allianz, Arag, Axa, Dela, DKV, Euromex, Generali, and Vivium. Mr. Olivier Manbour is identified as the publisher and principal responsible person for the firm.

The product portfolio spans personal lines (auto, home/fire, personal civil liability, DKV hospitalization, life/death, and pension savings) and commercial lines (RC Pro, RC Exploitation, vehicle fleet, multi-risk professional premises, and legal protection). Beyond insurance, the firm intermediates mortgage credit through partnerships with bankb.be (formerly CKV) and Credimo, operating under Brocom certification. Client acquisition relies on regional presence, referrals, in-person and mobile consultations, and three digital properties (go-forward.be, assurancesmons.be, assurancescharleroi.be) optimized for local SEO in Mons and Charleroi.

Revenue is generated through commissions paid by insurance carriers on placed policies, with the legal form being a Société à Responsabilité Limitée (srl), indicating a closely-held, owner-managed structure with no institutional investors or parent company. No proprietary technology platform is referenced; the firm uses standard industry tools for policy management, estimates, and client communications. The firm maintains a horizontal segmentation approach targeting both individuals/families (primary) and professionals/SMEs (secondary), with no disclosed enterprise customers or revenue figures.

Name

Go Forward

Legal name

Go-forward srl

Website

https://go-forward.be

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

1–10 employees

Short description

Go Forward is an independent insurance and credit brokerage founded in 1998, operating from two offices in Belgium's Hainaut region to place personal and commercial insurance policies and mortgage credit on behalf of individual and SME clients.

Ownership category

akta.pro rank

Headquarters

HQ city

South Dennis

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Insurance Intermediation Commissions: Go Forward earns commissions from insurance companies for placing policies. They receive commissions for intermediation services in insurance branches 1-29 as regulated by FSMA. The bureau may also receive remuneration tied to insurance portfolios for specific insurance companies or tasks performed on their behalf.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Go Forward is an independent insurance and credit brokerage that places personal and professional insurance policies — including auto, home, civil liability, hospitalization, life/death, and pension savings — on behalf of clients with multiple Belgian and European insurers. The firm also acts as an intermediary for mortgage and consumer credit through bankb.be and Credimo, providing quotes, policy issuance, administrative handling, and claims management from offices in Mons and Tarcienne across Hainaut, Wallonia, and Brussels.

Product overview

Go Forward is an independent insurance and credit brokerage firm established in 1998, operating as an intermediary between clients and insurance companies or credit institutions. The company offers a comprehensive portfolio of insurance products including professional liability (RC Pro), vehicle fleet insurance, multi-risk professional insurance, legal protection, auto insurance, home insurance, personal liability, DKV hospitalization insurance, life/death insurance, and pension savings. For credit services, the company acts as an intermediary for mortgage loans through bankb.be and Credimo. The broker operates across 29 insurance branches and is regulated by FSMA (041307), serving clients primarily in the Hainaut region of Wallonia, Belgium.

Differentiator

Problem solved

Functional benefit

Products and services

• RC Pro — Professional Civil Liability Insurance Professional liability cover for damages caused by the insured, their employees, or professional equipment during professional activities due to negligence or professional fault. Targeted at self-employed professionals and SMEs.
• RC Exploitation — Operational Liability Insurance Operational liability cover for damages from incidents related to business activity that are not directly tied to contract execution. Targeted at SMEs and professionals exposed to third-party damage during operations.
• Assurance Flotte Automobile — Vehicle Fleet Insurance Combined vehicle fleet cover for businesses or individuals with three or more vehicles under a single contract, offering optimized pricing, exemption from bonus-malus clauses, and preferential treatment as a major client. Targeted at SMEs, fleets, and collectors.
• Assurance Multirisque Professionnelle — Multi-Risk Professional Insurance Multi-risk cover for professional premises against fire, water damage, theft, and vandalism, with optional inclusion of civil liability and business interruption cover. Targeted at SMEs, large enterprises, very small businesses, and self-employed professionals.
• Assurance Protection Juridique — Legal Protection Insurance Legal protection insurance covering lawyer fees, expert costs, and procedure fees for disputes, available as a standalone policy or embedded in multi-risk home cover. Targeted at individuals and businesses facing litigation exposure.
• Assurance Auto — Motor Vehicle Insurance Mandatory third-party liability cover for drivers on public roads, with optional theft, fire, and driver protection add-ons. Targeted at vehicle owners in Belgium.
• Assurance Habitation / Incendie — Home and Fire Insurance Home insurance covering property damage and policyholder liability, mandatory for tenants under Belgian rental contracts, providing compensation for fire or other catastrophes and third-party liability cover. Targeted at homeowners and tenants.
• Assurance Responsabilité Civile Vie Privée — Personal Civil Liability Insurance Personal liability cover for damages caused to third parties due to negligence, including damages caused by minor children and domestic animals. Targeted at households and individuals.
• Assurance Hospitalisation DKV — Hospitalization Insurance Hospitalization cover complementing mandatory Belgian health insurance, paying medical fees, room charges, medication, consultations, radiology, and ambulatory expenses. Targeted at individuals and families seeking private healthcare cover.
• Assurance Vie / Assurance Décès — Life and Death Insurance Life cover serving as borrower insurance for credits and as an investment vehicle for retirement savings, with tax advantages. Targeted at individuals taking out mortgage or consumer credit and savers seeking tax-advantaged retirement products.
• Épargne Pension — Pension Savings Pension savings complementing the Belgian state pension, offered as guaranteed insurance-based pension savings or as a stock-market-based pension fund through a bank. Targeted at individuals planning retirement.
• Intermédiation en Crédits Hypothécaires — Mortgage Credit Intermediation Mortgage loan intermediation through partnerships with bankb.be (formerly CKV) and Credimo, offered under Brocom certification. Targeted at individuals and businesses seeking mortgage financing.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

13 partnerships are on record, tiered core and minor.

• AG InsurancecoreChannel Partner/ Reseller/ DistributorPrimary insurance partner providing life, non-life, and investment insurance products through Go Forward's brokerage network across personal and business lines.
• AllianzcoreChannel Partner/ Reseller/ DistributorInternational insurer represented through Go Forward's brokerage, offering personal and commercial insurance solutions.
• AxacoreChannel Partner/ Reseller/ DistributorGlobal insurance provider available through Go Forward's intermediation services for auto, home, and business coverage.
• DKVcoreChannel Partner/ Reseller/ DistributorSpecialized hospitalization insurance provider; Go Forward offers DKV hospital insurance as a key product for covering medical expenses.
• GeneralicoreChannel Partner/ Reseller/ DistributorEuropean insurer available through Go Forward's brokerage for various personal and business insurance needs.
• AEDESminorChannel Partner/ Reseller/ DistributorInsurance company represented in Go Forward's product portfolio.
• AragminorChannel Partner/ Reseller/ DistributorLegal protection insurance specialist available through Go Forward.
• DelaminorChannel Partner/ Reseller/ DistributorInsurance company in Go Forward's network offering funeral and related insurance products.
• EuromexminorChannel Partner/ Reseller/ DistributorInsurance provider available through Go Forward's brokerage.
• ViviumminorChannel Partner/ Reseller/ DistributorInsurance company represented in Go Forward's product offerings.
• bankb.be (formerly CKV)coreChannel Partner/ Reseller/ DistributorMortgage credit provider for which Go Forward acts as intermediary. Clients can access mortgage loans through this partnership; product brochures available on Go Forward's website.
• CredimocoreChannel Partner/ Reseller/ DistributorMortgage credit provider partnered with Go Forward for home loan intermediation. Product information available through Go Forward's websites.
• BrocomcoreChannel Partner/ Reseller/ DistributorCertified broker network affiliation granting Go Forward authority to intermediated credit products. Go Forward displays Brocom certification as proof of regulatory compliance.

Scale indicators2 records

Recent moves1 record

Expansion highlights4 records

Direct peers

• DVV Verzekeringen: Belgian insurance intermediary network operating as a tied agent of AG Insurance across Wallonia and Flanders. Directly comparable to Go Forward as a regional multi-line insurance brokerage serving individuals and SMEs with personal advisory service.
• Fintro: Belgian bank-insurance intermediary brand (part of BNP Paribas Fortis) offering personal advisory on insurance, mortgage and consumer credit via local agents. Closely parallels Go Forward's combined insurance + credit intermediation model across Belgian regional markets.

Broad incumbents

• AG Insurance: Leading Belgian life and non-life insurer and parent of DVV. As Go Forward's primary partner, AG's own direct and agent distribution channels compete head-on with independent brokers for the same client segments.
• Argenta: Belgian bank-insurer focused on retail families and savings-oriented customers, distributing insurance products through its branch and digital channels. Competes with regional brokers on home, life and hospitalization products.
• KBC Bank: Major Belgian bank-insurer with integrated insurance and mortgage distribution. Operates as a large incumbent offering many of the same product categories (auto, home, life, hospitalization, mortgage) that Go Forward intermediates.
• Baloise Belgium: Belgian arm of the Baloise Group offering non-life and life insurance through brokers and direct channels. Competes for the same broker-distributed SME and household business in Belgium.
• Belfius Insurance: Belgian bank-insurer offering life, non-life, pension and credit products through its own branch network. Comparable as a broad insurance and credit provider competing with independent brokers in the same Walloon and Brussels segments.
• AXA Belgium: Major Belgian insurer (one of Go Forward's core carrier partners) with its own agent and broker network. Comparable as a broad-line carrier that both supplies and competes with regional intermediaries.

Emerging players

• LeLynx Belgium: Online insurance comparison platform active in Belgium and France. Represents the digital-first distribution model that threatens traditional brokers like Go Forward in standardized lines such as auto and home insurance.
• Independer.be: Belgian online insurance and financial product comparison site. Comparable as a low-overhead digital alternative targeting the same consumer segments Go Forward serves via physical offices.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/courtier-en-assurances-go-forward

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Go Forward