CHARTA AG
- Company typePrivate
- Founded1994
- HeadquartersDüsseldorf, Germany
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
CHARTA AG firmographics
Firmographics- Name
- CHARTA AG
- Legal name
- CHARTA Börse für Versicherungen AG
- Website
- https://charta.de
- Company type
- Private
- Founded year
- 1994
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Where CHARTA AG is headquartered
LocationHeadquarters
- HQ city
- Düsseldorf
- HQ country
- Germany
- HQ region
- Europe
Offices2 records
Markets served
CHARTA AG business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Partner/Membership Fees: Insurance brokers pay membership fees to join the CHARTA network. The company offers tiered partnership models (CHARTA.PLUS, CHARTA.START) with monthly fees. CHARTA.PLUS partners receive free CHARTA.WEB access and other bundled benefits.
- Commission Revenue from Insurance Transactions: CHARTA earns commissions through its insurance pool (CHARTA.POOL/DÜSEV) from insurance policies placed by partner brokers. The pool processes business and negotiates commission rates with insurers.
- CHARTA.WEB Subscription: Monthly subscription fee of 25 EUR for website services (25 EUR/month), with one-time setup fees of 390 EUR for new customers or 290 EUR for switchers.
- Software Licensing (Morgen & Morgen / SkenData): Revenue from licensing specialized comparison software tools to partner brokers, including M&M Office modules and WERT 14 property valuation tools.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| One time/ perpetual license | Pay-as-you-go | CHARTA.WEB one-time setup for new customers |
| One time/ perpetual license | Pay-as-you-go | CHARTA.WEB one-time setup for switching customers |
| Subscription | Monthly | CHARTA.WEB monthly subscription |
| Subscription | Monthly | SkenData WERT 14 - 10% discount for CHARTA partners |
| Subscription | Annual | M&M Office - included for full partners |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels7 records
CHARTA AG product offering
Product offeringCore offering
CHARTA operates a broker-owned insurance exchange and service platform serving independent Versicherungsmakler in Germany. Members of the broker network simultaneously become shareholders of CHARTA AG and gain access to an integrated suite including the CHARTA.NETZ broker platform, the 100% broker-owned CHARTA.POOL (POOL GMBH / DüSEV) insurance pool, the CHARTA.SCOUT commercial insurance quotation platform, CHARTA.WEB professional website subscriptions, and licensed comparison tools (M&M Office, SkenData WERT 14), with commission and subscription revenue flowing back through the partner-shareholder structure.
Product overview
CHARTA AG operates as a broker network platform offering a comprehensive insurance distribution ecosystem. The core platform CHARTA.NETZ serves as the central infrastructure, supplemented by specialized modules including Beraten & Tarifieren for consulting and tariff calculation, CHARTA.POOL for commercial lines, and CHARTA.WEB for website services. CHARTA.SCOUT provides commercial risk management with D&O and Cyber pricing modules. The network integrates Morgen & Morgen Office for insurance comparison and provides member access through Wir@CHARTA portal. Training resources include Building Business programs. The company recently expanded into exclusive fund-based pension products through the Ambassandor tariff launched in May 2025.
Differentiator
Problem solved
Functional benefit
Brands
- CHARTA.POOL: Insurance pool services for partner companies, formerly DÜSEV
- CHARTA.WEB
- CHARTA.SCOUT
- CHARTA.NETZ
- CHARTA Joker
- Building Business
- Beraten & Tarifieren
- CHARTA Marktplatz
- Surf the Future
- Cyberforum
Products and services
- CHARTA.NETZ Core broker network platform serving as the central infrastructure for CHARTA's insurance distribution network in Germany, providing members with access to multiple insurance products, partner connections, and integrated broker tools across life, health, and property/casualty lines.
- CHARTA.WEB Professional website subscription service for insurance brokers with responsive design, SSL encryption, unlimited mailboxes, and automated legal content updates; offered at 25 EUR/month with one-time setup fees and bundled into the CHARTA.PLUS partnership tier.
- CHARTA.SCOUT Commercial insurance comparison and quotation platform covering D&O (Directors & Officers), Cyber, and other commercial lines, with integrated risk assessment tools and property valuation support via SkenData WERT 14.
- CHARTA.POOL (POOL GMBH, formerly DüSEV) Wholly broker-owned insurance pool (POOL GMBH, formerly Düseldorfer Servicegesellschaft Versicherungswirtschaft mbH / DüSEV) providing policy administration and attractive commission rates to CHARTA partner companies; positioned as the only broker pool in Germany that is 100% in broker ownership.
- M&M Office (Morgen & Morgen) HTML5-based comparison and analysis software for insurance brokerage covering life, health, and property/casualty lines, distributed through the CHARTA-Morgen & Morgen partnership; includes Volatium stochastic simulation model, IDD-compliant profiler, and ESy digital sales processes. Main license is bundled for full CHARTA partners with additional user licenses available for purchase.
- Ambassandor Fund-Based Pension Tariff CHARTA's first exclusive fund-based pension insurance tariff, developed in cooperation with neutral rating agency IVFP and insurer die Bayerische, and made available exclusively to CHARTA partners for distribution to their end clients.
Quantifiable outcome
- Premium service standard maintained since 1994 (30+ years)
- +1 more outcomes
Companies that use CHARTA AG
Customer profileNamed customers10 records
Segments1 record
Ideal customer profiles1 record
CHARTA AG technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
Feature7 records
CHARTA AG partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core and minor.
- germanBroker.net AG (gBnet)coreCHARTA and germanBroker.net AG (gBnet) are merging into a single organization. The merger was approved by shareholder meetings on June 29, 2026, effective retroactively to January 1, 2026. Both companies share a broker-owned governance structure and a collegial approach to partner brokers. The merger aims to strengthen the position of independent insurance brokers, respond to technological competition, and combine digital platforms and services while preserving both locations (Hagen and Düsseldorf).
- Franklin TempletonminorCHARTA cooperates with investment company Franklin Templeton to expand training offerings for network partners. The educational offerings go beyond classic product training and target both beginners and professionals.
- Die Bayerische (Versicherer)coreIn cooperation with neutral rating agency IVFP (Institut für Vorsorge und Finanzplanung) and insurer die Bayerische, CHARTA launched its first exclusive fund-based pension insurance tariff available exclusively to CHARTA partners. This represents CHARTA's expansion into exclusive product development.
- Policen DirektminorPolicen Direkt Versicherungsvermittlung GmbH became a partner in CHARTA's expert network. It is a nationwide operating insurance broker.
- blau direktminorStrategic partnership with blau direkt (infrastructure service provider) covering technology and consulting know-how. Part of CHARTA's innovation course including new partnerships with policen direkt and prokundo.
- prokundominorCHARTA expanded collaboration with prokundo (Assekuradeur of Volkswohl Bund Gruppe) through a new CHARTA-exclusive accident insurance product with new benefit contents.
- CHARTA CyberforumminorCHARTA founded the Cyberforum to optimize early competence development among partners in cyber protection, combining expertise from cyber protection specialists with practical experience for high-quality knowledge transfer.
- Morgen & Morgen GmbHcoreCHARTA partners with Morgen & Morgen, the market leader in insurance comparison software, to provide M&M Office tools to CHARTA brokers. Full partners receive a main license for M&M Office (covering life, health, and property/casualty analysis) included in the partner fee. The partnership includes ESy digital sales processes and IDD-compliant consulting tools.
- POOL GMBH (formerly DÜSEV)corePOOL GMBH (formerly Düsseldorfer Servicegesellschaft Versicherungswirtschaft mbH, DÜSEV) is CHARTA's own insurance pool, 100% in broker ownership. It processes policies and offers attractive commission rates for CHARTA partners. It is the only broker pool in Germany fully owned by brokers.
Scale indicators3 records
Recent moves6 records
Expansion highlights4 records
CHARTA AG competitors and assessment
Company assessmentDirect peers
- Jung, DMS & Cie. AG: German listed financial services network providing infrastructure, products, and platform services to financial brokers and insurance agents. Comparable as a German financial/insurance intermediary network serving affiliated brokers.
- blau direkt GmbH: German insurance broker infrastructure provider offering technology and consulting services to Versicherungsmakler — already a strategic partner of CHARTA but also competes for broker affiliations and platform services.
- Fonds Finanz Maklerservice GmbH: One of Germany's largest independent financial broker networks and distribution platforms, offering product access, marketing, and infrastructure services to affiliated brokers — closely comparable in business model and target customer.
- germanBroker.net AG (gBnet): The broker network merging with CHARTA in 2026; operates a parallel broker-owned model with comparable service platform for independent German insurance brokers. Direct peer and now merger counterparty.
- VEMA eG: German cooperative Versicherungsmakler network headquartered in Germany with a similar broker-owned/partnership-driven model and service offerings to brokers. Direct competitor for independent broker affiliations and pool services.
- Qualitypool GmbH: German insurance broker pool providing product platforms, tariff comparison, and back-office processing to affiliated Versicherungsmakler. Operates a comparable business model to CHARTA's broker pool and integrated tooling.
- BCA AG (Broker Concept Assekuranz): One of Germany's largest broker pools and Maklerverbund organizations, offering comparison tools, product platforms, and commission processing to affiliated insurance brokers — directly comparable to CHARTA.POOL and CHARTA.NETZ.
- Policen Direkt Versicherungsvermittlung GmbH: Nationwide operating German insurance broker that recently joined the CHARTA network as a partner; comparable as a larger affiliated broker organization with national reach and competing pool relationships.
Broad incumbents
- Funk Gruppe: Major German independent insurance and risk broker serving corporate and mid-market clients. Competes indirectly with CHARTA's broker members for large commercial accounts while operating a much broader risk advisory practice.
- Aon Germany (Aon Versicherungsmakler Deutschland): Global insurance brokerage with a substantial German footprint serving large corporate clients. Represents the broad incumbent end of the market that CHARTA partners compete against, particularly in commercial lines.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
CHARTA AG social profiles
Digital presenceCHARTA AG financial estimates
Financial estimateRevenue estimate
Valuation estimate
CHARTA AG leadership team
Management profileNumber of profiles
Profiles1 record
CHARTA AG subsidiaries and ownership
Company hierarchySubsidiaries1 record
CHARTA AG funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CHARTA AG M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CHARTA AG
What does CHARTA AG do?
CHARTA operates a broker-owned insurance exchange and service platform serving independent Versicherungsmakler in Germany. Members of the broker network simultaneously become shareholders of CHARTA AG and gain access to an integrated suite including the CHARTA.NETZ broker platform, the 100% broker-owned CHARTA.POOL (POOL GMBH / DüSEV) insurance pool, the CHARTA.SCOUT commercial insurance quotation platform, CHARTA.WEB professional website subscriptions, and licensed comparison tools (M&M Office, SkenData WERT 14), with commission and subscription revenue flowing back through the partner-shareholder structure.
Is CHARTA AG a public or private company?
CHARTA AG is a private company. It is classified as management employee owned and is currently operating.
When was CHARTA AG founded?
CHARTA AG was founded in 1994. It employs 11 to 50 people.
Where is CHARTA AG based?
CHARTA AG is headquartered in Düsseldorf, Germany, in the Europe region.
How does CHARTA AG make money?
Four revenue lines are on record. Partner/Membership Fees are the primary driver. The others are commission Revenue from Insurance Transactions, CHARTA.WEB Subscription and software Licensing (Morgen & Morgen / SkenData).
Who are CHARTA AG's main competitors?
Direct peers on record are Jung, DMS & Cie. AG, blau direkt GmbH, Fonds Finanz Maklerservice GmbH, germanBroker.net AG (gBnet), VEMA eG, Qualitypool GmbH, BCA AG (Broker Concept Assekuranz) and Policen Direkt Versicherungsvermittlung GmbH. Broad incumbents are Funk Gruppe and Aon Germany (Aon Versicherungsmakler Deutschland).
Does CHARTA AG have an API?
No public API is recorded for CHARTA AG.