afb
AFB AG is an Austrian independent insurance and financial advisory firm, founded 1992 in Graz, that operates as a multi-agent for ~30 insurance carriers plus financing and wealth partners, distributing products through three core offices and sixteen-plus partner offices across Austria. It serves private individuals, businesses, and municipalities via human-led advisory consultation.
- Company typePrivate
- Founded1992
- HeadquartersGraz, Austria
- Headcount—
- GTM typeB2B and B2C
- OfferingServices
What afb does
AFB AG (officially AFB Allgemeine Finanzierungsberatungs-Aktiengesellschaft) is an independent Austrian insurance agency and financial advisory firm founded in 1992 and headquartered in Graz. The company operates as a licensed multi-agent (Mehrfachagent) representing approximately 30 competing insurance providers, enabling it to offer broad product coverage without captive alignment to any single carrier. Core services span three lines: insurance brokerage (personal lines such as life, health, accident, home, motor, legal protection, and special collectibles; plus commercial lines including business interruption, liability, property, electronics, fleet, corporate legal protection, and industry-specific coverage), financing advisory (loans, leasing, building society products), and wealth advisory (Vermögensberatung). Revenue is generated exclusively through transaction fees and commissions paid by insurance carriers and financing partners; the firm is not authorized to collect premiums directly.
The company has no proprietary technology platform beyond a partner login portal and standard callback-service web forms; service delivery is fundamentally human-advisor-led, conducted in-person across three core offices (Graz headquarters, Vienna, Klagenfurt) and sixteen or more partner offices distributed across all major Austrian provinces. Customer segments are horizontal and diversified — private individuals, SMEs/trades/freelancers, and municipalities/associations — each served through tailored advisory rather than standardized product bundles. Marketing is largely referral-driven, supported by the firm's website and consecutive Kurier Gütesiegel Topberater awards in 2025 and 2026.
AFB AG is privately held, with no disclosed venture capital or institutional investor ownership, and is a member of the WVP Group consortium of Austrian financial services providers that share back-office IT and administrative services. Operational leadership consists of a Vorstand (Alma Osmancevic, BA MA) supported by a small central back-office team, with regional offices led by named Sales Directors and Senior Directors. The firm is actively recruiting both administrative staff and Geschäftspartner business partners, signaling continued channel buildout within Austria.
afb firmographics
Firmographics- Name
- afb
- Legal name
- AFB Allgemeine Finanzierungsberatungs-Aktiengesellschaft
- Website
- https://afb-ag.at
- Company type
- Private
- Founded year
- 1992
- Operating status
- Operating
- Short description
- AFB AG is an Austrian independent insurance and financial advisory firm, founded 1992 in Graz, that operates as a multi-agent for ~30 insurance carriers plus financing and wealth partners, distributing products through three core offices and sixteen-plus partner offices across Austria. It serves private individuals, businesses, and municipalities via human-led advisory consultation.
- Ownership category
- akta.pro rank
Where afb is headquartered
LocationHeadquarters
- HQ city
- Graz
- HQ country
- Austria
- HQ region
- Europe
Offices12 records
Markets served
afb business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Commission: AFB AG operates as a multi-agent (Mehrfachagent) for competing insurance companies, earning commissions on insurance products sold. The company is not authorized to receive premiums directly from customers.
- Financial Advisory and Financing Services: The company provides financial advisory services for financing solutions including loans, leasing, and building society products, earning fees or commissions from partner financial institutions and banks.
- Wealth Advisory: The company provides wealth management and investment advisory services (Vermögensberatung), earning commissions from financial product providers.
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
afb product offering
Product offeringCore offering
AFB AG is an independent insurance agency and financial advisory firm operating as a multi-agent (Mehrfachagent) representing products from nearly 30 insurance companies. The company provides three core service lines: insurance brokerage covering personal lines (life, health, accident, home, motor, legal protection, special insurance) and commercial lines (business interruption, liability, property, electronics, fleet, industry-specific), financing services including loans, leasing, and building savings products, and wealth management advisory (Vermögensberatung) for asset accumulation and investment planning.
Product overview
AFB AG (Allgemeine Finanzierungsberatungs-Aktiengesellschaft) is an independent insurance agency and financial advisory firm established in 1992, operating as a multi-agent (Mehrfachagent) that represents competing insurance products from nearly 30 insurance companies. The company offers a unified platform of three core services: insurance brokerage, financing services, and wealth management. Insurance offerings span personal lines (life, health, accident, home, auto, legal protection, special insurance for valuables) and commercial lines (business interruption, liability, property, electronics, corporate legal protection, fleet, and industry-specific coverage). Financing services include credit, loans, leasing, and building savings products. The company operates through a headquarters in Graz plus branch offices in Vienna and Klagenfurt, with partner offices throughout Austria. The portfolio is delivered through professional advisory consultation, callback service, and a business partner login portal, with ongoing support and contract management throughout the customer relationship.
Differentiator
Problem solved
Functional benefit
Quantifiable outcome
- Access to approximately 30 different insurance companies' products
Companies that use afb
Customer profileSegments3 records
afb technology and API
TechnologyAPI detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
afb partnerships and signals
Strategic signalPartnerships
26 partnerships are on record, tiered core.
- Allianz Elementar Lebensversicherung AGcoreInsurance company for which AFB AG acts as multi-agent, offering life insurance products to customers. AFB AG is licensed as a Versicherungsagent (insurance agent) under Austrian law.
- Generali Versicherung AGcoreMajor Austrian insurance provider represented by AFB AG as multi-agent for property and casualty insurance products.
- UniqacoreLeading Austrian insurance company whose products are distributed through AFB AG's multi-agent network.
- Wiener Städtische Versicherung AGcoreAustrian insurance company represented by AFB AG for various insurance products.
- Grazer Wechselseitige Versicherung AG (GRAWE)coreStyrian insurance company whose products are distributed through AFB AG's agency network.
- ERGO Versicherung AGcoreInternational insurance group represented by AFB AG for Austrian market products.
- Zürich Versicherungs AGcoreGlobal insurance company whose products are distributed through AFB AG's Austrian agency network.
- WWK LebensversicherungcoreLife insurance provider represented by AFB AG for life and pension insurance products.
- Helvetia Versicherung AGcoreSwiss-based insurance company whose Austrian products are distributed through AFB AG.
- Dialog Lebensversicherungs AGcoreLife insurance company represented by AFB AG for life insurance products.
- Merkur Versicherung AGcoreAustrian insurance provider whose products are distributed through AFB AG's network.
- HDI Lebensversicherung AGcoreLife insurance company represented by AFB AG for life insurance products.
- Wüstenrot Gruppe (Bausparkasse & Versicherung)coreBuilding society and insurance group providing building savings and insurance products distributed through AFB AG. AFB AG is authorized to mediate building society contracts (Bausparverträge).
- ARAGcoreInternational insurance group represented by AFB AG for legal protection and other insurance products.
- Donau Brokerline Versicherung AGcoreAustrian insurance company represented by AFB AG.
- Kärntner Landesversicherung AGcoreCarinthian regional insurance company represented by AFB AG.
- Niederösterreichische Versicherung AGcoreLower Austrian regional insurance company represented by AFB AG.
- R+V Allgemeine Versicherung AGcoreGerman-Austrian insurance company represented by AFB AG.
- VAV Versicherungs AktiengesellschaftcoreAustrian insurance company represented by AFB AG.
- Nürnberger Versicherung AGcoreGerman insurance company represented by AFB AG in Austrian market.
- HanseMerkur Krankenversicherungs AGcoreGerman health insurance company represented by AFB AG for health insurance products.
- HDI AGcoreInsurance company represented by AFB AG for various insurance products.
- Muki VersicherungcoreInsurance company represented by AFB AG.
- OBVcoreInsurance company represented by AFB AG.
- Allianz Elementar Lebensversicherung AGcoreInsurance company represented by AFB AG.
- WVP GroupcoreAFB AG is a member of WVP Group, an Austrian financial services group. External service providers include IT companies (MT Software, Dotcom Informationstechnik GmbH, digitalnova it & web solutions e.U.), telecommunications (VoiceNet GmbH), and other service providers. Group-level data administration and management occurs through WVP Group.
Scale indicators3 records
Recent moves6 records
Expansion highlights6 records
afb competitors and assessment
Company assessmentDirect peers
- Swiss Life Select: Swiss Life Select provides insurance and financial advisory through a consultant-led distribution model serving individuals and businesses. Its combination of insurance, financing, and wealth solutions across the DACH region is closely comparable to AFB's multi-service advisory model.
- Deutsche Vermögensberatung: Deutsche Vermögensberatung operates a large agent network distributing insurance, financial products, and wealth-building solutions. Its people-led, relationship-based intermediary model closely resembles AFB's network of advisors and partner offices.
- MRH Trowe: MRH Trowe is an insurance broker and financial-services provider serving corporate and private clients. Its commission-based advice and broad risk-product offering make it a relevant scaled analogue to AFB.
- GrECo Group: GrECo is a Central European insurance broker and risk-consulting group with a strong Austrian presence. It is comparable through its multi-carrier insurance distribution and advice to both corporate and individual clients.
- EFM Versicherungsmakler: EFM is an Austrian insurance brokerage business with a multi-location distribution network. Its insurance-focused intermediary model and domestic customer base make it a close regional comparator to AFB.
Broad incumbents
- Funk Gruppe: Funk Gruppe is an established insurance broker and risk-consulting provider in the German-speaking market. It overlaps with AFB in intermediating insurance and advising clients on risk, although its scale and service portfolio are substantially broader.
- Marsh: Marsh is a global insurance broker and risk adviser serving companies and institutions. It is relevant to AFB's commercial insurance and risk-advisory offering, but operates with far greater scale and breadth.
- Aon: Aon provides global insurance brokerage, risk advisory, and related financial-services solutions. AFB overlaps in commercial insurance distribution and risk advice, while Aon is a much larger incumbent with an international platform.
Emerging players
- durchblicker: durchblicker is an Austrian comparison platform focused on insurance and financial products. It competes for the same consumer shopping journey but through a digital, comparison-led model rather than AFB's office and partner-advisor network.
- CHECK24 Austria: CHECK24 Austria is an online comparison marketplace covering insurance and financial products. It is an adjacent but meaningful competitor for digitally acquired Austrian customers comparing policies offered through AFB.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
afb social profiles
Digital presenceafb financial estimates
Financial estimateRevenue estimate
Valuation estimate
afb leadership team
Management profileNumber of profiles
afb funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
afb 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 afb
What does afb do?
AFB AG is an independent insurance agency and financial advisory firm operating as a multi-agent (Mehrfachagent) representing products from nearly 30 insurance companies. The company provides three core service lines: insurance brokerage covering personal lines (life, health, accident, home, motor, legal protection, special insurance) and commercial lines (business interruption, liability, property, electronics, fleet, industry-specific), financing services including loans, leasing, and building savings products, and wealth management advisory (Vermögensberatung) for asset accumulation and investment planning.
Is afb a public or private company?
afb is a private company. It is currently operating.
When was afb founded?
afb was founded in 1992.
Where is afb based?
afb is headquartered in Graz, Austria, in the Europe region.
How does afb make money?
Three revenue lines are on record. Insurance Commission is the primary driver. The others are financial Advisory and Financing Services and wealth Advisory.
Who are afb's main competitors?
Direct peers on record are Swiss Life Select, Deutsche Vermögensberatung, MRH Trowe, GrECo Group and EFM Versicherungsmakler. Broad incumbents are Funk Gruppe, Marsh and Aon. Emerging players are durchblicker and CHECK24 Austria.
Does afb have an API?
No public API is recorded for afb.