CHARTA AG

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

Headquarters

HQ city

Düsseldorf

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. 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.
2. 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.
3. 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.
4. 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

Go-to-market motion1 record

Distribution channels1 record

Marketing channels7 records

Core 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

Named customers10 records

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature7 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• germanBroker.net AG (gBnet)coreStrategic or Co-development Partner · 29 June 2026CHARTA 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 TempletonminorGTM or Marketing Partner · 27 August 2025CHARTA 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)coreStrategic or Co-development Partner · 26 May 2025In 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 DirektminorChannel Partner/ Reseller/ Distributor · 3 August 2023Policen Direkt Versicherungsvermittlung GmbH became a partner in CHARTA's expert network. It is a nationwide operating insurance broker.
• blau direktminorStrategic or Co-development Partner · 24 June 2023Strategic 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.
• prokundominorStrategic or Co-development Partner · 29 March 2023CHARTA expanded collaboration with prokundo (Assekuradeur of Volkswohl Bund Gruppe) through a new CHARTA-exclusive accident insurance product with new benefit contents.
• CHARTA CyberforumminorOthers · 1 December 2022CHARTA 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 GmbHcoreTechnology or IntegrationCHARTA 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)coreStrategic or Co-development PartnerPOOL 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

Direct 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

• Facebookfacebook.com/CHARTAAG
• LinkedInlinkedin.com/company/charta-ag

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 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 CHARTA AG