groupe dendre unite tva

What groupe dendre unite tva does

Groupe Dendre is a privately held Belgian financial services group headquartered in Lens, in the Hainaut region of Wallonia. Founded in 1993, the group operates through two legal entities — Dendre Consult SPRL and Dendre Assur SRL — delivering three core service lines: (1) a Crelan bank agency providing payments, credits, savings, and investment products; (2) independent insurance brokerage covering automobile, fire, liability, legal protection, hospitalization, life and pension products for individuals, plus crop, agricultural liability, and work-accident coverages for professionals and farmers; and (3) an FWA (Fédération Wallonne de l'Agriculture) secretariat handling administrative procedures for farmers including PAC declarations, quota management, tax filings, investment aid, and farm succession planning. An additional agricultural consultancy line provides farm management and accounting advisory.

The group generates revenue through three distinct streams: commissions on banking products sourced via Crelan, commissions on insurance placements (FSMA broker registration #114672A), and professional services fees for FWA administration. Distribution is exclusively through a five-branch physical network in Lens (headquarters), Ath, Rebecq, Enghien, and Antoing, supported by named bank and insurance advisors. The group has no proprietary technology, no digital products, and no AI capabilities; service delivery is human-driven with walk-in consultations and appointments. Marketing is limited to a corporate website and a content blog. Customer segments are diversified across individual retail clients, farmers in the Lens-Silly-Enghien sector, and SMEs/professionals, with no concentration on any single enterprise account. Strategic posture is conservative: one merger (Philippe Cambier office, 2015), one new branch (Rebecq, 2023), and modest CSR investments, with no external funding or institutional ownership.

Name

groupe dendre unite tva

Legal name

Dendre Consult SPRL

Website

https://dendre.be

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

1–10 employees

Short description

Groupe Dendre is a privately held Belgian financial services group operating five branches in Wallonia's Hainaut region, providing Crelan banking agency services, independent insurance brokerage, and FWA agricultural secretariat services to individuals, farmers, and SMEs.

Ownership category

akta.pro rank

Headquarters

HQ city

Lens

HQ country

Belgium

HQ region

Europe

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance brokerage commissions: Dendre Assur operates as an independent insurance broker earning commissions on insurance products sold. The company is registered as a broker under FSMA number 114672 A.
2. Banking agency services: Dendre Consult operates as a Crelan bank agency providing banking services including payments, credits, and investments, earning commissions from Crelan.
3. FWA agricultural secretariat: Administrative services for farmers including PAC declarations, quota management, tax declarations, and business setup assistance.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

Groupe Dendre is a multi-service financial services group operating a Crelan banking agency (Dendre Consult SPRL) and an independent insurance brokerage (Dendre Assur SRL), along with FWA agricultural secretariat services and agricultural consultancy. The group delivers banking, insurance, and farm-administrative services through five physical branches in the Hainaut region of Wallonia, Belgium.

Product overview

Groupe Dendre is a multi-service financial services group operating as a unified structure with distinct business units. The company provides three core services: a Crelan banking agency (Agence Crelan) offering payments, credits, and investment products; an independent insurance brokerage (Dendre Assur) serving individuals, professionals, and businesses; and an FWA agricultural secretariat providing administrative services to farmers. Additionally, the group offers agricultural consultancy services. These services are provided through multiple physical locations (Lens, Ath, Rebecq, Enghien, Antoing) with a combined team of advisors. The company operates as a traditional financial services broker with no technology or AI-based products.

Differentiator

Problem solved

Functional benefit

Products and services

• Agence Crelan (Crelan Agency)
• Courtage en Assurances (Insurance Brokerage)
• Secrétariat FWA (FWA Secretariat)
• Consultance (Agricultural Consultancy)

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core.

• CrelancoreChannel Partner/ Reseller/ DistributorCrelan is a Belgian cooperative bank. Dendre operates as a Crelan bank agency (Agence Crelan), providing banking services including payments, credits, and investments on behalf of Crelan S.A.
• BrocomcoreChannel Partner/ Reseller/ DistributorBrocom is the Belgian insurance broker network. Dendre holds the Brocom label for its insurance brokerage activities.
• Fédération Wallonne de l'Agriculture (FWA)coreStrategic or Co-development PartnerFWA is the Walloon Federation of Agriculture. Dendre provides FWA secretariat services for the Lens-Silly-Enghien sector, helping farmers with administrative procedures including PAC declarations.

Scale indicators2 records

Recent moves8 records

Expansion highlights4 records

Broad incumbents

• Argenta: Belgian retail bank that also distributes insurance products through its branch and digital network. Comparable as a Belgian institution combining banking and insurance distribution for retail and small-business customers, though at much larger scale and with a heavier digital footprint.
• KBC Group: Major Belgian bancassurer offering integrated banking and insurance products. Comparable as a Belgian financial services group combining banking agency-type distribution with insurance brokerage, though operating at national scale and with full digital capabilities.
• Belfius: Large Belgian bank with retail, SME, and insurance distribution activities. Comparable as a Belgian institution combining banking and insurance offerings to retail/SME customers, though at significantly larger scale and with full proprietary digital channels.
• AG Insurance: Major Belgian insurer with bancassurance distribution through BNP Paribas Fortis. Comparable as a Belgian insurance provider operating through agent/broker channels for retail and SME customers, though at significantly larger scale and with proprietary technology platforms.
• BNP Paribas Fortis: Largest Belgian bank with integrated retail banking and insurance distribution. Comparable as a Belgian institution combining banking and insurance offerings for retail and professional customers, though operating at national scale with full digital capabilities.
• Ethias: Belgian mutual insurer offering non-life and life insurance, often distributed through broker networks. Comparable as a Belgian insurance provider operating through agent and broker channels for retail and professional customers.

Others

• Crelan: Belgian cooperative bank that Dendre operates as an agency for. Included as a direct principal/partner rather than competitor; relevant for understanding Dendre's distribution economics and channel structure.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/dendre.group
• LinkedInlinkedin.com/company/dendre

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

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 →

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