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Annik Penders leads the Insurance practice of Boston Consulting Group in Belgium. She is also a member of BCG’s cadre of experts in the health care payer and provider sectors, which focuses on hospital work. Annik is the People Chair for BCG’s Brussels office, leading all people processes from career development to mobility.

Since joining BCG in 2000, Annik’s work has focused on advising Belgian and international insurance senior executives on a broad range of strategy, operations, and transformation topics. She has built deep expertise in distribution strategy and operating model design for insurers across life insurance, property and casualty insurance, and health care businesses.

Annik joined BCG directly upon completing her master’s degree.

Areas of Expertise

  • Leads BCG’s Insurance practice in Belgium
  • Leads BCG’s People Team in Brussels
  • Health care providers and payers
  • Insurance—life and property and casualty
  • Strategy
  • Transformation
  • Operational efficiency


  • Master’s in Management, Vlerick Leuven Ghent Management School
  • MA, magna cum laude, commercial engineering, UFSIA Antwerp
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