1 in 3 companies are miscoded.
So is the risk you've priced.
Inoopa is the B2B data layer for insurance companies and brokers across Belgium and the Netherlands. Our semantic engine detects what every company actually does, not what their NACE or SBI code claims. Almost 30% of Belgian and Dutch companies file codes that no longer match their real activity. We surface the gap, score the confidence, and pair every prospect with the right contact for outreach. So your underwriters price the real risk on the floor, and your producers sell to the activity, not the registry.
Real activity vs filed code · sample
- ~30%
Companies miscoded
- 93%
Real-activity accuracy
- 5M+
BE + NL companies screened
- 200+
Data sources
Price the activity. Not the code.
A company files a NACE code at registration. Years later, it has pivoted, expanded or rebuilt itself entirely, but the code on file hasn't moved. The bakery now runs industrial ovens 24/7. The consultancy now hosts mission-critical SaaS. The car dealer now operates an electric last-mile fleet. The official code lags reality, and across Belgium and the Netherlands almost 30% of companies are filed under codes that no longer describe what they do.
Inoopa's semantic engine reads what every BE + NL company actually does. We confirm the code when it's right. We flag the gap when it isn't. And every prospect ships with the right contact for outreach. Underwriters price the real exposure. Producers pitch the real prospect. Risk and sales finally work from the same dataset.
- ~30%
Codes flagged miscoded · Confidence score per detection
- 100%
BE + NL companies screened · Members & non-members alike
Underwrite what they do. Not what they filed.
Plenty of providers ship NACE / SBI codes. Almost none detect what the code is wrong about. Inoopa's semantic engine reconstructs each company's real activity from first principles. When the official code matches, we confirm it. When it doesn't, we tell you what they actually do, what cluster they belong to, and how confident we are in the reclassification.
- Real activity detected for every B2B company in BE + NL
- ~30% of companies surface as miscoded, the gap quantified
- Confidence score on every reclassification
- Decision-maker contacts ping-verified before delivery
ON FILE
Bakery Mertens NV
Industrial bakery · 24/7
DECISION
REPRICE
Underwriters price the code. Not the risk.
Property, liability, fleet, cyber, professional indemnity, every line of B2B insurance is sized against the activity of the insured. But the only activity signal most carriers have is a NACE / SBI code filed at company registration, often years ago, often inaccurate, almost always too coarse for modern segmentation.
- 01
NACE codes lag reality by years.
Companies pivot, expand into adjacent activities, drop product lines, transform their operating model. The code on file stays untouched at the registry. Your underwriters price a 2015 business onto a 2025 company, and 1 in 3 times, the activity has moved on without telling anyone.
- 02
30% miscoding = a mispriced book.
Across a portfolio of thousands of SME and mid-market policies, a 30% miscoding rate is enough to skew loss ratios, mistarget renewal campaigns, and leak premium to competitors who see the activity more clearly. The book looks profitable on the dashboard, and bleeds at the claims desk.
- 03
Even right codes lack the texture you need.
"Manufacturing of bakery products" doesn't tell you whether it's a 3-person artisan bakery or a 24/7 industrial line with grain silos. "Road freight transport" doesn't separate dry haulage from cold-chain refrigerated fleets. The risk profile, and the premium, should be different. The code can't see the difference. Inoopa can.
Detect the activity. Then act on it.
Two layers. The core: real-activity detection on every Belgian and Dutch company, the only segmentation that prices the actual risk on your books. The optional commercial layer on top: niche segments, size/region slicing, and verified decision-maker contacts your producers and brokers can call on.
Price the risk on your actual book
The flagship layer. Real-activity detection on every Belgian and Dutch company, confirming the code when it matches, flagging it when it doesn't, with a confidence score on every reclassification.
Real-activity detection (unique)
Inoopa's semantic engine reconstructs what every BE + NL company actually does. When the official code matches, we confirm it. When it doesn't, we tell you what they actually do, with a confidence score on every reclassification. ~30% of Belgian and Dutch companies surface as miscoded. No other provider catches this.
Risk-aligned tariff segmentation
Once you know the real activity, you can price it. Inoopa clusters every company by actual exposure, industrial vs artisan bakery, cold-chain vs dry haulage, on-premise vs SaaS, EV fleet vs combustion. Your tariff grid finally maps to the risks you're underwriting, not the codes you're filed against.
100% portfolio screening
Audit your existing book in batch. Drop your insured list, get back every policy where the activity has drifted from the code, flagged with the new activity and the confidence score. The renewals that need re-rating, the policies that need re-cluster, the premium that needs recovering. Surfaced in one pass.
Act on the detection. Reach the right desk.
The commercial layer on top. Once every company is detected and clustered, you can build any segment from it, niche or generic, and ship it to your producers with verified decision-maker contacts.
Niche segment building
Build hyper-specific commercial targeting lists no code-based provider can match: cold-chain logistics under 50 vehicles, industrial bakeries with grain silos, last-mile EV fleets, tier-3 datacenters, e-commerce pure-players, food trucks, escape rooms. Sized, contact-enriched, ready for outreach in days, not quarters.
Generic segment slicing
Cut the BE + NL universe by size (headcount, turnover), region (Brussels / Flanders / Wallonia / NL province), legal form, age, growth trajectory, and any combination, always with the real-activity layer underneath. Your campaign brief drops in, the qualified segment drops out, ready for the broker desk or the producer team.
Decision-maker contact delivery
Every company in every segment ships with the right contact for your campaign, CEO, CFO, Operations Manager, Risk Manager, Fleet Manager, Procurement Director, when the role exists on the org chart. Phones and emails ping-verified before delivery. Your producers work clean data on day one, no dead leads.
Carriers and brokers already underwrite with us
Insurance carriers, brokers and bancassurance partners across Belgium and the Netherlands use Inoopa to detect real activity on their books, re-rate miscoded policies at renewal, and build niche segments for commercial expansion. The playbook on this page is already in production.
Insurance · BE + NL
...and additional insurance partners across the Belgian and Dutch market.
Frequently asked questions
Talk to a co-founder.
Not a sales bot.
30-minute working session. Bring us a sample slice of your book, 200 SMEs, a mid-market segment, a specific NACE family, and we'll run real-activity detection on every policy in front of you. You'll leave knowing exactly how many are miscoded, where the risk has drifted, which renewals need re-rating, and where the biggest niches in your commercial pipeline are hiding.