dhv

What dhv does

DHV Verzekeringen (legal entity: DHV bv; Belgian business number BE 1012.988.519) is a tied insurance agent (verbonden verzekeringsagent) of KBC Verzekeringen nv, the insurance arm of Belgium-based KBC Group. The company distributes KBC's insurance portfolio — including home (brandverzekering/woningpolis), mortgage protection (schuldsaldoverzekering), vehicle, travel, family, hospitalization, and business insurance — to individuals, entrepreneurs, and associations from three physical offices located in Vilvoorde, Zemst, and Grimbergen in the Flemish periphery of Brussels. Advisory services are delivered in-person, by phone, email, or appointment, and complemented by KBC's digital self-service platforms (KBC Mobile, KBC Touch, KBC Business Dashboard), which support policy management, digital claims reporting, document retrieval, and the MyHome housing hub. At least six named commercial staff (Alexandra, Bram, Simon, Lenny, Luc, Laura) are listed on the vacancies page, and the agency is actively recruiting additional Commercieel Adviseur and Account Manager roles.

The technology stack is not proprietary: DHV operates as a distribution layer on top of KBC's regulated, brand-backed insurance products and digital infrastructure, with additional integrations into itsme (digital identity authentication), Doccle (digital document archive), Apple Pay, and Google Pay. Insurance pricing is quote-based, not publicly disclosed, and tailored per customer circumstance.

DHV's revenue is derived entirely from commissions on KBC insurance products sold through its three offices and digital referral. No public revenue figures are disclosed. The business model is sales-led, with customer acquisition driven by local office presence, the KBC brand's trust equity in Belgium, and KBC's digital self-service channels. Distribution is exclusively domestic (Flanders, Belgium), and there is no evidence of geographic or vertical expansion plans.

Name

dhv

Legal name

DHV bv

Website

https://dhv-verzekeringen.be

Company type

Private

Operating status

Operating

Short description

DHV Verzekeringen (DHV bv) is a tied insurance agent of KBC Verzekeringen in Belgium, distributing home, vehicle, travel, life, and business insurance to individuals, entrepreneurs, and associations through three offices in Vilvoorde, Zemst, and Grimbergen, complemented by KBC's digital platforms.

Ownership category

akta.pro rank

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Insurance Agent Commission: DHV bv operates as a tied insurance agent (verbonden verzekeringsagent) of KBC Verzekeringen, earning commission on insurance products sold to customers.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

DHV Verzekeringen (DHV bv) is a tied insurance agent (verbonden verzekeringsagent) of KBC Verzekeringen that distributes KBC's portfolio of personal, business, and association insurance products (home, vehicle, travel, family, hospitalization, life, and business coverage) to individuals, entrepreneurs, and associations. Advisory and policy sales are delivered through three physical offices in Vilvoorde, Grimbergen, and Zemst (Belgium), and complemented by KBC's digital self-service platforms (KBC Mobile, KBC Touch, KBC Business Dashboard).

Product overview

DHV Verzekeringen is a KBC-connected insurance agency (verbonden verzekeringsagent van KBC Verzekeringen) serving individuals (particulieren), entrepreneurs (ondernemers), and associations (verenigingen) from offices in Vilvoorde, Zemst, and Grimbergen, Belgium. The company distributes KBC's insurance portfolio — including home (brandverzekering/woningpolis), travel, motor, and business insurance — through both digital channels and face-to-face advisory. Key digital channels include KBC Mobile and KBC Touch, which support policy management, premium calculation, digital purchase, and claims submission. The MyHome hub within KBC Mobile bundles home insurance, mortgage protection (schuldsaldoverzekering), and home assistance for homeowners. For business clients, the KBC Business Dashboard provides a unified platform for banking, insurance, and investment administration. DHV also provides digital step-by-step guides covering KBC Mobile setup, itsme authentication, digital policy signing, claims tracking, address changes, and document retrieval.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Insurance (Particulieren) Insurance products and advisory services for individual/private customers in Belgium, covering homes, vehicles, health, travel, family, and personal liability through KBC's product portfolio.
• Business Insurance (Ondernemers) Insurance products and advisory services for entrepreneurs and business owners in Belgium, covering business assets, liability, commercial vehicles, and employee-related coverage.
• Association Insurance (Verenigingen) Insurance products tailored for associations and non-profit organizations in Belgium, covering their specific operational risks and liability needs.
• KBC Brandverzekering (Woningpolis) Home/fire insurance covering the dwelling and contents against fire, water damage, storm, hail, natural disasters, and similar perils. Distributed by DHV under KBC Verzekeringen.
• Schuldsaldoverzekering (Mortgage Protection Insurance) Mortgage protection insurance that covers the outstanding mortgage balance in the event of the borrower's death, distributed by DHV as part of KBC's portfolio.
• Reisverzekering (Travel Insurance) Travel insurance offering medical cost and assistance coverage, trip cancellation/interruption protection, lost or damaged luggage coverage, and roadside assistance. Available as single-trip or annual policies, distributed by DHV.
• KBC Motorverzekering (Motorcycle Insurance) Motorcycle insurance with customizable coverage options tailored to the rider's motorcycle and preferences, distributed by DHV under the KBC brand.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature3 records

Partnerships

One partnership is on record.

• KBC VerzekeringencoreChannel Partner/ Reseller/ DistributorDHV bv is a tied/connected insurance agent (verbonden verzekeringsagent) of KBC Verzekeringen. DHV sells KBC insurance products and earns commission. The agency operates under the KBC brand and uses KBC's digital platforms.

Scale indicators1 record

Recent moves5 records

Expansion highlights5 records

Direct peers

• Vanbreda Risk & Benefits: Vanbreda is Belgium's largest independent insurance broker, placing P&C, life, and group insurance for both individuals and businesses through a mix of office-based advisors and online tools — directly comparable to DHV in product breadth and customer segments, though materially larger and not tied to a single bank.
• DVV Verzekeringen: DVV is AG Insurance's retail brand, distributing P&C, life, and vehicle insurance to individuals and small businesses through a tied-agent/advisor network across Belgium — same distribution model, similar customer segments, and competing directly with DHV for particulieren coverage.
• Belfius Verzekeringen: Belfius sells insurance through its own bank branches and tied agents in Belgium across P&C, life, and credit protection — a direct peer because of the bank-affiliated tied-agent distribution model that structurally resembles DHV's KBC relationship.
• Fédérale Assurance: Fédérale Assurance is a Belgian mutual insurer serving individuals, self-employed, and SMEs with P&C, life, and hospitalization products through a tied-advisor network — directly comparable to DHV in customer segments and tied-advisor distribution model.
• BNP Paribas Cardif (Belgium): BNP Paribas Cardif distributes creditor, life, and P&C insurance through BNP Paribas Fortis's bank branch and tied-advisor network in Belgium — a direct peer because of the bank-affiliated distribution model serving both particulieren and ondernemers segments.

Broad incumbents

• AG Insurance: AG Insurance (subsidiary of Ageas) is one of Belgium's largest insurers offering the full P&C, life, and health product suite through DVV agents, brokers, and direct channels — overlapping with DHV's product shelf while operating at much greater scale as both an underwriter and distributor.
• Ethias:
• Aon Belgium: Aon's Belgian operation is a large brokerage placing commercial P&C, employee benefits, and risk management for mid-market and enterprise clients — comparable to DHV's ondernemers segment but focused on larger commercial accounts rather than individuals.
• Marsh Belgium: Marsh's Belgian office provides commercial insurance brokerage, risk advisory, and employee benefits for corporate and SME clients — comparable to DHV's ondernemers business insurance offering but without the particulieren retail focus.
• AXA Belgium: AXA Belgium is a top-tier insurer distributing P&C, life, and health products to individuals and businesses through agents, brokers, and direct channels — comparable in product breadth and customer segments to DHV but operating at materially greater scale and with multiple distribution channels.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/dhv.verzekeringen
• LinkedInlinkedin.com/company/dhv-verzekeringen
• Instagraminstagram.com/dhv_verzekeringen

Revenue estimate

Valuation estimate

Number of profiles

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 dhv