AI that demonstrably
increases your portfolio value.
Onesurance increases EBITDA, reduces churn and makes growth predictable - the three factors that structurally determine a broker multiple. Proven in the market. Deployable within three weeks.
Post-acquisition value erosion.
The six risks that compress multiples.
After acquisition, PE investors consistently encounter the same problems. The data is unequivocal.
Churn erodes the cash flow
At 8% churn on a EUR 5M commission book, you lose EUR 400K annually. Recurring. The cash flow on which the multiple was calculated declines each year.
500 offices, no direction
Roll-ups consist of dozens of offices, each with their own approach. No uniform portfolio management, no comparable KPIs.
Growth costs headcount, not data
Scaling means hiring. Cross-sell potential in the existing book remains untapped because no one knows where it lies.
Talent walks away
75% of portfolio company leaders cite talent retention as the greatest challenge. 50% of insurance professionals will retire before 2030.
Compliance becomes a dealbreaker
Regulators are tightening requirements. Without a demonstrable duty of care system, the multiple declines at exit. Buyers price the risk in.
Tech DD becomes more critical
Every add-on brings legacy systems. Integration becomes exponentially more complex. 52% of buyers expect greater focus on technology due diligence.
Onesurance in the M&A process.
Portfolio due diligence
Data analysis on quality, churn risk per segment, CLV distribution, cross-sell potential and impact of churners on cash flow.
Protect and grow value
Immediate action on high-churn clients, Next Best Policy for loyal clients, manage bleeders cost-effectively, uniform management across all entities.
Higher multiple at exit
AI engine as a competitive differentiator. Transparency increases buyer confidence. Value demonstrably quantified for buyers.
Realise value faster
Mitigate churn immediately after closing. Increase profitability with predictive insights. Support advisers with actionables from day one.
Three drivers that structurally determine a multiple.
1. Predictable retention
- Churn risk scored per client
- Demonstrable decline in churn
- Proven: -80% churn reduction
Reduces risk pricing by buyers.
2. Organic growth
- Cross-sell via AI, not via headcount
- +EUR 220K additional per EUR 5M book
- Proven: 870% ROI on investment
Higher EBITDA margin without cost growth.
3. Compliance as value
- Duty of care dossier per client
- GDPR/DORA/AI Act compliant
- Demonstrable during due diligence
Reduces valuation discount at transaction.
What leading advisors
say about this market.
Intermediaries with demonstrably predictable retention and growth structurally achieve higher multiples in transactions - because acquiring parties price in less risk in the deal structure.
Distributors that deploy AI for portfolio management reduce operational costs per client interaction by 30-50%, without compromising advisory quality - with direct EBITDA impact.
Duty of care compliance is increasingly becoming part of due diligence in acquisitions. Intermediaries without a systematic approach face valuation discounts and reputational risk in transactions.
The shift is not a trend. It is a structural revaluation of what a well-managed portfolio is worth in a transaction.
Simplified EBITDA model at EUR 5M commission.
| Base revenue | EUR 5,000,000 |
| Retention improvement Top Defend | +EUR 80,000 |
| Cross-sell growth Top Sales | +EUR 220,000 |
| Costs (80%) | -EUR 4,000,000 |
| Onesurance licence | -EUR 28,000 |
| EBITDA after implementation | +27% |
Demonstrable. Scalable. No lock-in.
Per entity live
Standard implementation on existing systems. No IT migration, no disruption.
Central dashboard
Compare retention, growth and compliance across all entities. Exportable for board reporting.
Vendor lock-in
Data ownership guaranteed. Monthly cancellation. Full export upon termination.
GDPR · DORA · AI Act · Data in EU · Cloud-native · API-first
What is the AI-readiness
of your portfolio?
We map out where your portfolio is leaving value on the table today.
Based on public and supplied book data, we analyse churn risk, growth potential and EBITDA impact per company in your portfolio.
- Concrete - expressed in EBITDA and company value
- Confidential - no data outside your control
- Available within one week
45 minutes. Focused on your deal structure and portfolio.
No product pitch - a conversation about:
- Which companies in your portfolio have the most potential
- How Onesurance fits into a value creation plan
- What to realistically expect in 6-18 months
- How it translates to exit value
Confidential · No obligations · Results within one week · No lock-in, data remains the property of the client