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Achmea Holding N.V. is one of the largest suppliers of financial services in the Netherlands. The company was formed by a merger of Zilveren Kruis and Avéro Centraal Beheer Groep on January 1, 1995. The roots of Achmea date back to 1811 when the Frisian accountant, Ulbe Piers Draisma [fy], founded the "Onderlinge Brand Assurantie Sociëteit " in Achlum, Frisia, the Netherlands.