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<!--
  This file is part of the Dutch Taxonomy (Nederlandse Taxonomie; NT)
  Intellectual Property of the State of the Netherlands
  Architecture: NT20
  Version: 20251210.a
  Release date: April 4, 2025
-->
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    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-ti_ReportOfTheSupervisoryBoardHousing_loc" xlink:to="kvk-lr-ti_ReportOfTheSupervisoryBoardHousing_label_en" xlink:type="arc"/>
    <label:label id="kvk-lr-ti_EquityAdditionalInformationBreakdownHousing_label_en" xlink:label="kvk-lr-ti_EquityAdditionalInformationBreakdownHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Additional information on total equity</label:label>
    <label:label id="kvk-lr-ti_CompoundBalanceSheetHousing_label_en" xlink:label="kvk-lr-ti_CompoundBalanceSheetHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Balance sheet (Compound)</label:label>
    <label:label id="kvk-lr-ti_BalanceSheetDaebHousing_label_en" xlink:label="kvk-lr-ti_BalanceSheetDaebHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Balance sheet (DAEB)</label:label>
    <label:label id="kvk-lr-ti_BalanceSheetNonDaebHousing_label_en" xlink:label="kvk-lr-ti_BalanceSheetNonDaebHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Balance sheet (non-DAEB)</label:label>
    <label:label id="kvk-lr-ti_BalanceSheetHousing_label_en" xlink:label="kvk-lr-ti_BalanceSheetHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Balance sheet</label:label>
    <label:label id="kvk-lr-ti_CashFlowStatementDaebHousing_label_en" xlink:label="kvk-lr-ti_CashFlowStatementDaebHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Cash flow statement (DAEB)</label:label>
    <label:label id="kvk-lr-ti_CompoundCashFlowStatementHousing_label_en" xlink:label="kvk-lr-ti_CompoundCashFlowStatementHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Cash flow statement (non-DAEB compound)</label:label>
    <label:label id="kvk-lr-ti_CashFlowStatementNonDaebHousing_label_en" xlink:label="kvk-lr-ti_CashFlowStatementNonDaebHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Cash flow statement (non-DAEB)</label:label>
    <label:label id="kvk-lr-ti_CashFlowStatementHousing_label_en" xlink:label="kvk-lr-ti_CashFlowStatementHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Cash flow statement</label:label>
    <label:label id="kvk-lr-ti_ClassesOfLandPositionsValueHousing_label_en" xlink:label="kvk-lr-ti_ClassesOfLandPositionsValueHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Classes of balance sheet value of land positions</label:label>
    <label:label id="kvk-lr-ti_ClassesOfCashFlowStatementsTotalHousing_label_en" xlink:label="kvk-lr-ti_ClassesOfCashFlowStatementsTotalHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Classes of cash flow statements (total)</label:label>
    <label:label id="kvk-lr-ti_ClassesOfLandPositionsAreaHousing_label_en" xlink:label="kvk-lr-ti_ClassesOfLandPositionsAreaHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Classes of construction of land positions</label:label>
    <label:label id="kvk-lr-ti_ClassesOfEquityHousing_label_en" xlink:label="kvk-lr-ti_ClassesOfEquityHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Classes of equity</label:label>
    <label:label id="kvk-lr-ti_ClassesOfFinancialAssetsHousing_label_en" xlink:label="kvk-lr-ti_ClassesOfFinancialAssetsHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Classes of financial assets</label:label>
    <label:label id="kvk-lr-ti_ClassesOfHousingFacilitiesSoldUnderConditionsHousing_label_en" xlink:label="kvk-lr-ti_ClassesOfHousingFacilitiesSoldUnderConditionsHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Classes of housing facilities sold under conditions</label:label>
    <label:label id="kvk-lr-ti_ClassesOfIntangibleAssetsHousing_label_en" xlink:label="kvk-lr-ti_ClassesOfIntangibleAssetsHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Classes of intangible assets</label:label>
    <label:label id="kvk-lr-ti_ClassesOfLiabilitiesNoncurrentInterestRateHousing_label_en" xlink:label="kvk-lr-ti_ClassesOfLiabilitiesNoncurrentInterestRateHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Classes of interest rate of non-current liabilities</label:label>
    <label:label id="kvk-lr-ti_ClassesOfInvestmentPropertiesHousing_label_en" xlink:label="kvk-lr-ti_ClassesOfInvestmentPropertiesHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Classes of investment properties</label:label>
    <label:label id="kvk-lr-ti_ClassesOfNoncurrentLiabilitiesHousing_label_en" xlink:label="kvk-lr-ti_ClassesOfNoncurrentLiabilitiesHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Classes of non-current liabilities</label:label>
    <label:label id="kvk-lr-ti_ClassesOfPropertyPlantEquipmentHousing_label_en" xlink:label="kvk-lr-ti_ClassesOfPropertyPlantEquipmentHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Classes of property, plant and equipment</label:label>
    <label:label id="kvk-lr-ti_ClassesOfProvisionsHousing_label_en" xlink:label="kvk-lr-ti_ClassesOfProvisionsHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Classes of provisions</label:label>
    <label:label id="kvk-lr-ti_CompoundFinancialStatementHousing_label_en" xlink:label="kvk-lr-ti_CompoundFinancialStatementHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Compound financial statement</label:label>
    <label:label id="kvk-lr-ti_ConsolidatedBalanceSheetHousing_label_en" xlink:label="kvk-lr-ti_ConsolidatedBalanceSheetHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Consolidated balance sheet</label:label>
    <label:label id="kvk-lr-ti_ConsolidatedCashFlowStatementHousing_label_en" xlink:label="kvk-lr-ti_ConsolidatedCashFlowStatementHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Consolidated cash flow statement</label:label>
    <label:label id="kvk-lr-ti_ConsolidatedIncomeStatementHousing_label_en" xlink:label="kvk-lr-ti_ConsolidatedIncomeStatementHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Consolidated income statement</label:label>
    <label:label id="kvk-lr-ti_DaebFinancialStatement_label_en" xlink:label="kvk-lr-ti_DaebFinancialStatement_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">DAEB financial statement</label:label>
    <label:label id="kvk-lr-ti_DescriptionAdditionalRelevantPositionsHousing_label_en" xlink:label="kvk-lr-ti_DescriptionAdditionalRelevantPositionsHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Declarations of directors and supervisory directors</label:label>
    <label:label id="kvk-lr-ti_DocumentInformationHousing_label_en" xlink:label="kvk-lr-ti_DocumentInformationHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Document information</label:label>
    <label:label id="kvk-lr-ti_IncomeStatementDaebHousing_label_en" xlink:label="kvk-lr-ti_IncomeStatementDaebHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Income statement (DAEB)</label:label>
    <label:label id="kvk-lr-ti_IncomeStatementNonDaebHousing_label_en" xlink:label="kvk-lr-ti_IncomeStatementNonDaebHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Income statement (non-DAEB)</label:label>
    <label:label id="kvk-lr-ti_IncomeStatementHousing_label_en" xlink:label="kvk-lr-ti_IncomeStatementHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Income statement</label:label>
    <label:label id="kvk-lr-ti_NonDaebFinancialStatement_label_en" xlink:label="kvk-lr-ti_NonDaebFinancialStatement_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Non DAEB financial statement</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedAccountingPrinciplesAssetsLiabilitiesHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedAccountingPrinciplesAssetsLiabilitiesHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Accounting principles applied to the valuation of assets and liabilities</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedAccountingPrinciplesResultHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedAccountingPrinciplesResultHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Accounting principles for the determination of the result</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedAssetsLiabilitiesNotRecognisedHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedAssetsLiabilitiesNotRecognisedHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Assets and liabilities not recognised in balance sheet</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedBorrowingsFromGovernmentsCreditInstitutionsBreakdownHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedBorrowingsFromGovernmentsCreditInstitutionsBreakdownHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Borrowings from governments and credit institutions: Breakdown</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedBorrowingsFromGovernmentsCreditInstitutionsHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedBorrowingsFromGovernmentsCreditInstitutionsHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Borrowings from governments and credit institutions</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedChangesValueRealEstatePortfolioHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedChangesValueRealEstatePortfolioHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Changes in value of real estate portfolio</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedCurrentLiabilitiesPayablesOtherCurrentSpecificationHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedCurrentLiabilitiesPayablesOtherCurrentSpecificationHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Current liabilities: Other payables: Specification</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedCurrentLiabilitiesHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedCurrentLiabilitiesHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Current liabilities</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedEqualisationAccountHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedEqualisationAccountHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Equalisation account</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedEquityHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedEquityHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Equity</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedFinancialAssetsMovementPreviousHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedFinancialAssetsMovementPreviousHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Financial assets, previous period: Movement schedule</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedFinancialAssetsMovementHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedFinancialAssetsMovementHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Financial assets: Movement schedule</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedFinancialAssetsNonWswSecuredLoansSpecificationHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedFinancialAssetsNonWswSecuredLoansSpecificationHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Financial assets: Non WSW secured loans: Specification</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedFinancialAssetsNonWswSecuredLoansHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedFinancialAssetsNonWswSecuredLoansHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Financial assets: Non WSW secured loans</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedFinancialAssetsHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedFinancialAssetsHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Financial assets</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedFinancialIncomeExpenseHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedFinancialIncomeExpenseHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Financial income and expense</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedIntangibleAssetsMovementPreviousHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedIntangibleAssetsMovementPreviousHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Intangible assets, previous period: Movement schedule</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedIntangibleAssetsEconomicLifeHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedIntangibleAssetsEconomicLifeHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Intangible assets: Economic life</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedIntangibleAssetsMovementHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedIntangibleAssetsMovementHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Intangible assets: Movement schedule</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedIntangibleAssetsIntangibleAssetsOtherSpecificationHousingTotal_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedIntangibleAssetsIntangibleAssetsOtherSpecificationHousingTotal_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Intangible assets: Other intangible assets: Specification</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedIntangibleAssetsHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedIntangibleAssetsHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Intangible assets</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedInventoriesInventoriesOtherSpecificationHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedInventoriesInventoriesOtherSpecificationHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Inventories: Other inventories: Specification</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedInventoriesHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedInventoriesHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Inventories</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedInvestmentPropertiesMovementPreviousHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedInvestmentPropertiesMovementPreviousHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Investment properties, previous period: Movement schedule</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedInvestmentPropertiesEconomicLifeHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedInvestmentPropertiesEconomicLifeHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Investment properties: Economic life</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedInvestmentPropertiesMovementHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedInvestmentPropertiesMovementHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Investment properties: Movement schedule</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedInvestmentPropertiesHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedInvestmentPropertiesHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Investment properties</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedLandPositionsAreaMovementPreviousHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedLandPositionsAreaMovementPreviousHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Land positions area, previous period: Movement schedule</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedLandPositionsAreaMovementHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedLandPositionsAreaMovementHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Land positions area: Movement schedule</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedLandPositionsBalanceSheetMovementPreviousHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedLandPositionsBalanceSheetMovementPreviousHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Land positions balance sheet value, previous period: Movement schedule</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedLandPositionsBalanceSheetMovementHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedLandPositionsBalanceSheetMovementHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Land positions balance sheet value: Movement schedule</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedLandPositionsOtherAmountsHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedLandPositionsOtherAmountsHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Land positions included in the balance sheet</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedLandPositionsHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedLandPositionsHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Land positions</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedLiveabilityExpensesHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedLiveabilityExpensesHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Liveability expenses</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedNetRealisedResultSalesRealEstatePortfolioHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedNetRealisedResultSalesRealEstatePortfolioHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Net realised result from sales of real estate portfolio</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedNetResultExploitationOfRealEstatePortfolioHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedNetResultExploitationOfRealEstatePortfolioHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Net result from exploitation of real estate portfolio</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedNetResultSoldRealEstateInDevelopmentHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedNetResultSoldRealEstateInDevelopmentHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Net result from sold real estate in development</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedNetResultOtherActivitiesHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedNetResultOtherActivitiesHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Net result other activities</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedNetRevenueBreakdownHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedNetRevenueBreakdownHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Net revenue: Breakdown</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedNoncurrentLiabilitiesMovementPreviousHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedNoncurrentLiabilitiesMovementPreviousHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Non-current liabilities, previous period: Movement schedule</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedNoncurrentLiabilitiesInterestRatesHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedNoncurrentLiabilitiesInterestRatesHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Non-current liabilities: Interest rates</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedNoncurrentLiabilitiesMovementHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedNoncurrentLiabilitiesMovementHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Non-current liabilities: Movement schedule</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedNoncurrentLiabilitiesHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedNoncurrentLiabilitiesHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Non-current liabilities</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedCashFlowStatementBreakdownHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedCashFlowStatementBreakdownHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Notes to the cash flow statement: Breakdown</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedOrganisationCostsOtherHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedOrganisationCostsOtherHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Other organisation costs</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedPropertyPlantEquipmentMovementPreviousHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedPropertyPlantEquipmentMovementPreviousHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Property, plant and equipment, previous period: Movement schedule</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedPropertyPlantEquipmentEconomicLifeHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedPropertyPlantEquipmentEconomicLifeHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Property, plant and equipment: Economic life</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedPropertyPlantEquipmentMovementHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedPropertyPlantEquipmentMovementHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Property, plant and equipment: Movement schedule</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedPropertyPlantEquipmentOtherAmountsBreakdownHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedPropertyPlantEquipmentOtherAmountsBreakdownHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Property, plant and equipment: Other amounts: Breakdown</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedPropertyPlantEquipmentTangibleAssetsOtherSpecificationHousingTotal_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedPropertyPlantEquipmentTangibleAssetsOtherSpecificationHousingTotal_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Property, plant and equipment: Other tangible assets: Specification</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedPropertyPlantEquipmentHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedPropertyPlantEquipmentHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Property, plant and equipment</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedProvisionsMovementPreviousHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedProvisionsMovementPreviousHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Provisions, previous period: Movement schedule</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedProvisionsBreakdownHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedProvisionsBreakdownHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Provisions: Breakdown</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedProvisionsMovementHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedProvisionsMovementHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Provisions: Movement schedule</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedProvisionsHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedProvisionsHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Provisions</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedRealEstateForSaleBreakdownHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedRealEstateForSaleBreakdownHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Real estate for sale: Breakdown</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedAdditionsRealEstateInExploitationBreakdownHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedAdditionsRealEstateInExploitationBreakdownHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Real estate in exploitation: Additions: Breakdown</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedRealEstateExploitationReclassificationsHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedRealEstateExploitationReclassificationsHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Real estate in exploitation: Reclassifications</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedRealEstateExploitationMarketValueHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedRealEstateExploitationMarketValueHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Real estate in exploitation: Valued at market value</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedReceivablesBreakdownMaturityHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedReceivablesBreakdownMaturityHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Receivables: Breakdown maturity</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedReceivablesReceivablesOtherCurrentSpecificationHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedReceivablesReceivablesOtherCurrentSpecificationHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Receivables: Other receivables: Specification</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedReceivablesHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedReceivablesHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Receivables</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedSalesToThirdPartiesBreakdownHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedSalesToThirdPartiesBreakdownHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Sales to third parties: Breakdown</label:label>
    <label:label id="kvk-lr-ti_NotesConsolidatedStaffingFormationHousing_label_en" xlink:label="kvk-lr-ti_NotesConsolidatedStaffingFormationHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Staffing formation</label:label>
    <label:label id="kvk-lr-ti_NotesAccountingPrinciplesAssetsLiabilitiesHousing_label_en" xlink:label="kvk-lr-ti_NotesAccountingPrinciplesAssetsLiabilitiesHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Accounting principles applied to the valuation of assets and liabilities</label:label>
    <label:label id="kvk-lr-ti_NotesAccountingPrinciplesResultHousing_label_en" xlink:label="kvk-lr-ti_NotesAccountingPrinciplesResultHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Accounting principles for the determination of the result</label:label>
    <label:label id="kvk-lr-ti_NotesAssetsLiabilitiesNotRecognisedHousing_label_en" xlink:label="kvk-lr-ti_NotesAssetsLiabilitiesNotRecognisedHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Assets and liabilities not recognised in balance sheet</label:label>
    <label:label id="kvk-lr-ti_NotesBorrowingsFromGovernmentsCreditInstitutionsBreakdownHousing_label_en" xlink:label="kvk-lr-ti_NotesBorrowingsFromGovernmentsCreditInstitutionsBreakdownHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Borrowings from governments and credit institutions: Breakdown</label:label>
    <label:label id="kvk-lr-ti_NotesBorrowingsFromGovernmentsCreditInstitutionsHousing_label_en" xlink:label="kvk-lr-ti_NotesBorrowingsFromGovernmentsCreditInstitutionsHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Borrowings from governments and credit institutions</label:label>
    <label:label id="kvk-lr-ti_NotesCashAndCashEquivalentsOtherAmountsHousing_label_en" xlink:label="kvk-lr-ti_NotesCashAndCashEquivalentsOtherAmountsHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Cash and cash equivalents: Other amounts</label:label>
    <label:label id="kvk-lr-ti_NotesCashAndCashEquivalentsSpecificationHousing_label_en" xlink:label="kvk-lr-ti_NotesCashAndCashEquivalentsSpecificationHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Cash and cash equivalents: Specification</label:label>
    <label:label id="kvk-lr-ti_NotesChangesValueRealEstatePortfolioHousing_label_en" xlink:label="kvk-lr-ti_NotesChangesValueRealEstatePortfolioHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Changes in value of real estate portfolio</label:label>
    <label:label id="kvk-lr-ti_NotesCurrentLiabilitiesPayablesOtherCurrentSpecificationHousing_label_en" xlink:label="kvk-lr-ti_NotesCurrentLiabilitiesPayablesOtherCurrentSpecificationHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Current liabilities: Other payables: Specification</label:label>
    <label:label id="kvk-lr-ti_NotesCurrentLiabilitiesHousing_label_en" xlink:label="kvk-lr-ti_NotesCurrentLiabilitiesHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Current liabilities</label:label>
    <label:label id="kvk-lr-ti_NotesEqualisationAccountHousing_label_en" xlink:label="kvk-lr-ti_NotesEqualisationAccountHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Equalisation account</label:label>
    <label:label id="kvk-lr-ti_NotesEquityStatementOfChangesPreviousHousing_label_en" xlink:label="kvk-lr-ti_NotesEquityStatementOfChangesPreviousHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Equity, previous period: Statement of changes</label:label>
    <label:label id="kvk-lr-ti_NotesEquityStatementOfChangesHousing_label_en" xlink:label="kvk-lr-ti_NotesEquityStatementOfChangesHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Equity: Statement of changes</label:label>
    <label:label id="kvk-lr-ti_NotesEquityHousing_label_en" xlink:label="kvk-lr-ti_NotesEquityHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Equity</label:label>
    <label:label id="kvk-lr-ti_NotesFinancialAssetsMovementPreviousHousing_label_en" xlink:label="kvk-lr-ti_NotesFinancialAssetsMovementPreviousHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Financial assets, previous period: Movement schedule</label:label>
    <label:label id="kvk-lr-ti_NotesFinancialAssetsMovementHousing_label_en" xlink:label="kvk-lr-ti_NotesFinancialAssetsMovementHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Financial assets: Movement schedule</label:label>
    <label:label id="kvk-lr-ti_NotesFinancialAssetsNonWswSecuredLoansSpecificationHousing_label_en" xlink:label="kvk-lr-ti_NotesFinancialAssetsNonWswSecuredLoansSpecificationHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Financial assets: Non WSW secured loans: Specification</label:label>
    <label:label id="kvk-lr-ti_NotesFinancialAssetsNonWswSecuredLoansHousing_label_en" xlink:label="kvk-lr-ti_NotesFinancialAssetsNonWswSecuredLoansHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Financial assets: Non WSW secured loans</label:label>
    <label:label id="kvk-lr-ti_NotesFinancialAssetsHousing_label_en" xlink:label="kvk-lr-ti_NotesFinancialAssetsHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Financial assets</label:label>
    <label:label id="kvk-lr-ti_NotesFinancialIncomeExpenseHousing_label_en" xlink:label="kvk-lr-ti_NotesFinancialIncomeExpenseHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Financial income and expense</label:label>
    <label:label id="kvk-lr-ti_NotesIntangibleAssetsMovementPreviousHousing_label_en" xlink:label="kvk-lr-ti_NotesIntangibleAssetsMovementPreviousHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Intangible assets, previous period: Movement schedule</label:label>
    <label:label id="kvk-lr-ti_NotesIntangibleAssetsEconomicLifeHousing_label_en" xlink:label="kvk-lr-ti_NotesIntangibleAssetsEconomicLifeHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Intangible assets: Economic life</label:label>
    <label:label id="kvk-lr-ti_NotesIntangibleAssetsMovementHousing_label_en" xlink:label="kvk-lr-ti_NotesIntangibleAssetsMovementHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Intangible assets: Movement schedule</label:label>
    <label:label id="kvk-lr-ti_NotesIntangibleAssetsIntangibleAssetsOtherSpecificationHousingTotal_label_en" xlink:label="kvk-lr-ti_NotesIntangibleAssetsIntangibleAssetsOtherSpecificationHousingTotal_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Intangible assets: Other intangible assets: Specification</label:label>
    <label:label id="kvk-lr-ti_NotesIntangibleAssetsHousing_label_en" xlink:label="kvk-lr-ti_NotesIntangibleAssetsHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Intangible assets</label:label>
    <label:label id="kvk-lr-ti_NotesInventoriesInventoriesOtherSpecificationHousing_label_en" xlink:label="kvk-lr-ti_NotesInventoriesInventoriesOtherSpecificationHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Inventories: Other inventories: Specification</label:label>
    <label:label id="kvk-lr-ti_NotesInventoriesHousing_label_en" xlink:label="kvk-lr-ti_NotesInventoriesHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Inventories</label:label>
    <label:label id="kvk-lr-ti_NotesInvestmentPropertiesMovementPreviousHousing_label_en" xlink:label="kvk-lr-ti_NotesInvestmentPropertiesMovementPreviousHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Investment properties, previous period: Movement schedule</label:label>
    <label:label id="kvk-lr-ti_NotesInvestmentPropertiesEconomicLifeHousing_label_en" xlink:label="kvk-lr-ti_NotesInvestmentPropertiesEconomicLifeHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Investment properties: Economic life</label:label>
    <label:label id="kvk-lr-ti_NotesInvestmentPropertiesMovementHousing_label_en" xlink:label="kvk-lr-ti_NotesInvestmentPropertiesMovementHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Investment properties: Movement schedule</label:label>
    <label:label id="kvk-lr-ti_NotesInvestmentPropertiesHousing_label_en" xlink:label="kvk-lr-ti_NotesInvestmentPropertiesHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Investment properties</label:label>
    <label:label id="kvk-lr-ti_NotesLandPositionsAreaMovementPreviousHousing_label_en" xlink:label="kvk-lr-ti_NotesLandPositionsAreaMovementPreviousHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Land positions area, previous period: Movement schedule</label:label>
    <label:label id="kvk-lr-ti_NotesLandPositionsAreaMovementHousing_label_en" xlink:label="kvk-lr-ti_NotesLandPositionsAreaMovementHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Land positions area: Movement schedule</label:label>
    <label:label id="kvk-lr-ti_NotesLandPositionsBalanceSheetMovementPreviousHousing_label_en" xlink:label="kvk-lr-ti_NotesLandPositionsBalanceSheetMovementPreviousHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Land positions balance sheet value, previous period: Movement schedule</label:label>
    <label:label id="kvk-lr-ti_NotesLandPositionsBalanceSheetMovementHousing_label_en" xlink:label="kvk-lr-ti_NotesLandPositionsBalanceSheetMovementHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Land positions balance sheet value: Movement schedule</label:label>
    <label:label id="kvk-lr-ti_NotesLandPositionsOtherAmountsHousing_label_en" xlink:label="kvk-lr-ti_NotesLandPositionsOtherAmountsHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Land positions included in the balance sheet</label:label>
    <label:label id="kvk-lr-ti_NotesLandPositionsHousing_label_en" xlink:label="kvk-lr-ti_NotesLandPositionsHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Land positions</label:label>
    <label:label id="kvk-lr-ti_NotesLiveabilityExpensesHousing_label_en" xlink:label="kvk-lr-ti_NotesLiveabilityExpensesHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Liveability expenses</label:label>
    <label:label id="kvk-lr-ti_NotesNetRealisedResultSalesRealEstatePortfolioHousing_label_en" xlink:label="kvk-lr-ti_NotesNetRealisedResultSalesRealEstatePortfolioHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Net realised result from sales of real estate portfolio</label:label>
    <label:label id="kvk-lr-ti_NotesNetResultExploitationOfRealEstatePortfolioHousing_label_en" xlink:label="kvk-lr-ti_NotesNetResultExploitationOfRealEstatePortfolioHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Net result from exploitation of real estate portfolio</label:label>
    <label:label id="kvk-lr-ti_NotesNetResultSoldRealEstateInDevelopmentHousing_label_en" xlink:label="kvk-lr-ti_NotesNetResultSoldRealEstateInDevelopmentHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Net result from sold real estate in development</label:label>
    <label:label id="kvk-lr-ti_NotesNetResultOtherActivitiesHousing_label_en" xlink:label="kvk-lr-ti_NotesNetResultOtherActivitiesHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Net result other activities</label:label>
    <label:label id="kvk-lr-ti_NotesNetRevenueBreakdownHousing_label_en" xlink:label="kvk-lr-ti_NotesNetRevenueBreakdownHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Net revenue: Breakdown</label:label>
    <label:label id="kvk-lr-ti_NotesNoncurrentLiabilitiesMovementPreviousHousing_label_en" xlink:label="kvk-lr-ti_NotesNoncurrentLiabilitiesMovementPreviousHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Non-current liabilities, previous period: Movement schedule</label:label>
    <label:label id="kvk-lr-ti_NotesNoncurrentLiabilitiesInterestRatesHousing_label_en" xlink:label="kvk-lr-ti_NotesNoncurrentLiabilitiesInterestRatesHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Non-current liabilities: Interest rates</label:label>
    <label:label id="kvk-lr-ti_NotesNoncurrentLiabilitiesMovementHousing_label_en" xlink:label="kvk-lr-ti_NotesNoncurrentLiabilitiesMovementHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Non-current liabilities: Movement schedule</label:label>
    <label:label id="kvk-lr-ti_NotesNoncurrentLiabilitiesHousing_label_en" xlink:label="kvk-lr-ti_NotesNoncurrentLiabilitiesHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Non-current liabilities</label:label>
    <label:label id="kvk-lr-ti_NotesCashFlowStatementBreakdownHousing_label_en" xlink:label="kvk-lr-ti_NotesCashFlowStatementBreakdownHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Notes to the cash flow statement: Breakdown</label:label>
    <label:label id="kvk-lr-ti_NotesOrganisationCostsOtherHousing_label_en" xlink:label="kvk-lr-ti_NotesOrganisationCostsOtherHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Other organisation costs</label:label>
    <label:label id="kvk-lr-ti_NotesPropertyPlantEquipmentMovementPreviousHousing_label_en" xlink:label="kvk-lr-ti_NotesPropertyPlantEquipmentMovementPreviousHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Property, plant and equipment, previous period: Movement schedule</label:label>
    <label:label id="kvk-lr-ti_NotesPropertyPlantEquipmentEconomicLifeHousing_label_en" xlink:label="kvk-lr-ti_NotesPropertyPlantEquipmentEconomicLifeHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Property, plant and equipment: Economic life</label:label>
    <label:label id="kvk-lr-ti_NotesPropertyPlantEquipmentMovementHousing_label_en" xlink:label="kvk-lr-ti_NotesPropertyPlantEquipmentMovementHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Property, plant and equipment: Movement schedule</label:label>
    <label:label id="kvk-lr-ti_NotesPropertyPlantEquipmentOtherAmountsBreakdownHousing_label_en" xlink:label="kvk-lr-ti_NotesPropertyPlantEquipmentOtherAmountsBreakdownHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Property, plant and equipment: Other amounts: Breakdown</label:label>
    <label:label id="kvk-lr-ti_NotesPropertyPlantEquipmentTangibleAssetsOtherSpecificationHousingTotal_label_en" xlink:label="kvk-lr-ti_NotesPropertyPlantEquipmentTangibleAssetsOtherSpecificationHousingTotal_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Property, plant and equipment: Other tangible assets: Specification</label:label>
    <label:label id="kvk-lr-ti_NotesPropertyPlantEquipmentHousing_label_en" xlink:label="kvk-lr-ti_NotesPropertyPlantEquipmentHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Property, plant and equipment</label:label>
    <label:label id="kvk-lr-ti_NotesProvisionsMovementPreviousHousing_label_en" xlink:label="kvk-lr-ti_NotesProvisionsMovementPreviousHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Provisions, previous period: Movement schedule</label:label>
    <label:label id="kvk-lr-ti_NotesProvisionsBreakdownHousing_label_en" xlink:label="kvk-lr-ti_NotesProvisionsBreakdownHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Provisions: Breakdown</label:label>
    <label:label id="kvk-lr-ti_NotesProvisionsMovementHousing_label_en" xlink:label="kvk-lr-ti_NotesProvisionsMovementHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Provisions: Movement schedule</label:label>
    <label:label id="kvk-lr-ti_NotesProvisionsHousing_label_en" xlink:label="kvk-lr-ti_NotesProvisionsHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Provisions</label:label>
    <label:label id="kvk-lr-ti_NotesRealEstateForSaleBreakdownHousing_label_en" xlink:label="kvk-lr-ti_NotesRealEstateForSaleBreakdownHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Real estate for sale: Breakdown</label:label>
    <label:label id="kvk-lr-ti_NotesAdditionsRealEstateInExploitationBreakdownHousing_label_en" xlink:label="kvk-lr-ti_NotesAdditionsRealEstateInExploitationBreakdownHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Real estate in exploitation: Additions: Breakdown</label:label>
    <label:label id="kvk-lr-ti_NotesRealEstateExploitationReclassificationsHousing_label_en" xlink:label="kvk-lr-ti_NotesRealEstateExploitationReclassificationsHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Real estate in exploitation: Reclassifications</label:label>
    <label:label id="kvk-lr-ti_NotesRealEstateExploitationMarketValueHousing_label_en" xlink:label="kvk-lr-ti_NotesRealEstateExploitationMarketValueHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Real estate in exploitation: Valued at market value</label:label>
    <label:label id="kvk-lr-ti_NotesReceivablesBreakdownMaturityHousing_label_en" xlink:label="kvk-lr-ti_NotesReceivablesBreakdownMaturityHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Receivables: Breakdown maturity</label:label>
    <label:label id="kvk-lr-ti_NotesReceivablesDeferredTaxAssetsHousing_label_en" xlink:label="kvk-lr-ti_NotesReceivablesDeferredTaxAssetsHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Receivables: Deferred tax assets</label:label>
    <label:label id="kvk-lr-ti_NotesReceivablesReceivablesOtherCurrentSpecificationHousing_label_en" xlink:label="kvk-lr-ti_NotesReceivablesReceivablesOtherCurrentSpecificationHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Receivables: Other receivables: Specification</label:label>
    <label:label id="kvk-lr-ti_NotesReceivablesHousing_label_en" xlink:label="kvk-lr-ti_NotesReceivablesHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Receivables</label:label>
    <label:label id="kvk-lr-ti_NotesHousingFacilitiesOwnerOccupiedForSaleValueHousing_label_en" xlink:label="kvk-lr-ti_NotesHousingFacilitiesOwnerOccupiedForSaleValueHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Sales of housing facilities under conditions and not yet sold owner-occupied facilities: Sales of housing facilities not sold: Breakdown balance sheet value</label:label>
    <label:label id="kvk-lr-ti_NotesHousingFacilitiesOwnerOccupiedForSaleAmountHousing_label_en" xlink:label="kvk-lr-ti_NotesHousingFacilitiesOwnerOccupiedForSaleAmountHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Sales of housing facilities under conditions and not yet sold owner-occupied facilities: Sales of housing facilities not sold: Breakdown numbers</label:label>
    <label:label id="kvk-lr-ti_NotesHousingFacilitiesOwnerOccupiedForSaleHousing_label_en" xlink:label="kvk-lr-ti_NotesHousingFacilitiesOwnerOccupiedForSaleHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Sales of housing facilities under conditions and not yet sold owner-occupied facilities: Sales of housing facilities not sold</label:label>
    <label:label id="kvk-lr-ti_NotesSalesRealEstateConditionalMovementPreviousHousing_label_en" xlink:label="kvk-lr-ti_NotesSalesRealEstateConditionalMovementPreviousHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Sales of housing facilities under conditions and not yet sold owner-occupied facilities: Sales of housing facilities sold, previous period: Movement schedule</label:label>
    <label:label id="kvk-lr-ti_NotesSalesRealEstateConditionalBreakdownHousing_label_en" xlink:label="kvk-lr-ti_NotesSalesRealEstateConditionalBreakdownHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Sales of housing facilities under conditions and not yet sold owner-occupied facilities: Sales of housing facilities sold: Breakdown</label:label>
    <label:label id="kvk-lr-ti_NotesSalesRealEstateConditionalMovementHousing_label_en" xlink:label="kvk-lr-ti_NotesSalesRealEstateConditionalMovementHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Sales of housing facilities under conditions and not yet sold owner-occupied facilities: Sales of housing facilities sold: Movements</label:label>
    <label:label id="kvk-lr-ti_NotesSalesRealEstateConditionalHousing_label_en" xlink:label="kvk-lr-ti_NotesSalesRealEstateConditionalHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Sales of housing facilities under conditions and not yet sold owner-occupied facilities: Sales of housing facilities sold</label:label>
    <label:label id="kvk-lr-ti_NotesSalesToThirdPartiesBreakdownHousing_label_en" xlink:label="kvk-lr-ti_NotesSalesToThirdPartiesBreakdownHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Sales to third parties: Breakdown</label:label>
    <label:label id="kvk-lr-ti_NotesStaffingFormationHousing_label_en" xlink:label="kvk-lr-ti_NotesStaffingFormationHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Staffing formation</label:label>
    <label:label id="kvk-lr-ti_OtherInformationHousing_label_en" xlink:label="kvk-lr-ti_OtherInformationHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Other information</label:label>
    <label:label id="kvk-lr-ti_CompoundIncomeStatementHousing_label_en" xlink:label="kvk-lr-ti_CompoundIncomeStatementHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Profit and loss account (Compound)</label:label>
    <label:label id="kvk-lr-ti_ReportOfTheManagementBoardHousing_label_en" xlink:label="kvk-lr-ti_ReportOfTheManagementBoardHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Report of the Management Board</label:label>
    <label:label id="kvk-lr-ti_ReportOfTheSupervisoryBoardHousing_label_en" xlink:label="kvk-lr-ti_ReportOfTheSupervisoryBoardHousing_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Report of the Supervisory Body</label:label>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_BalanceSheetDaebHousing" xlink:label="kvk-lr-ti_BalanceSheetDaebHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_BalanceSheetHousing" xlink:label="kvk-lr-ti_BalanceSheetHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_BalanceSheetNonDaebHousing" xlink:label="kvk-lr-ti_BalanceSheetNonDaebHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_CashFlowStatementDaebHousing" xlink:label="kvk-lr-ti_CashFlowStatementDaebHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_CashFlowStatementHousing" xlink:label="kvk-lr-ti_CashFlowStatementHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_CashFlowStatementNonDaebHousing" xlink:label="kvk-lr-ti_CashFlowStatementNonDaebHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_ClassesOfCashFlowStatementsTotalHousing" xlink:label="kvk-lr-ti_ClassesOfCashFlowStatementsTotalHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_ClassesOfEquityHousing" xlink:label="kvk-lr-ti_ClassesOfEquityHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_ClassesOfFinancialAssetsHousing" xlink:label="kvk-lr-ti_ClassesOfFinancialAssetsHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_ClassesOfHousingFacilitiesSoldUnderConditionsHousing" xlink:label="kvk-lr-ti_ClassesOfHousingFacilitiesSoldUnderConditionsHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_ClassesOfIntangibleAssetsHousing" xlink:label="kvk-lr-ti_ClassesOfIntangibleAssetsHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_ClassesOfInvestmentPropertiesHousing" xlink:label="kvk-lr-ti_ClassesOfInvestmentPropertiesHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_ClassesOfLandPositionsAreaHousing" xlink:label="kvk-lr-ti_ClassesOfLandPositionsAreaHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_ClassesOfLandPositionsValueHousing" xlink:label="kvk-lr-ti_ClassesOfLandPositionsValueHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_ClassesOfLiabilitiesNoncurrentInterestRateHousing" xlink:label="kvk-lr-ti_ClassesOfLiabilitiesNoncurrentInterestRateHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_ClassesOfNoncurrentLiabilitiesHousing" xlink:label="kvk-lr-ti_ClassesOfNoncurrentLiabilitiesHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_ClassesOfPropertyPlantEquipmentHousing" xlink:label="kvk-lr-ti_ClassesOfPropertyPlantEquipmentHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_ClassesOfProvisionsHousing" xlink:label="kvk-lr-ti_ClassesOfProvisionsHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_CompoundBalanceSheetHousing" xlink:label="kvk-lr-ti_CompoundBalanceSheetHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_CompoundCashFlowStatementHousing" xlink:label="kvk-lr-ti_CompoundCashFlowStatementHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_CompoundFinancialStatementHousing" xlink:label="kvk-lr-ti_CompoundFinancialStatementHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_CompoundIncomeStatementHousing" xlink:label="kvk-lr-ti_CompoundIncomeStatementHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_ConsolidatedBalanceSheetHousing" xlink:label="kvk-lr-ti_ConsolidatedBalanceSheetHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_ConsolidatedCashFlowStatementHousing" xlink:label="kvk-lr-ti_ConsolidatedCashFlowStatementHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_ConsolidatedIncomeStatementHousing" xlink:label="kvk-lr-ti_ConsolidatedIncomeStatementHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_DaebFinancialStatement" xlink:label="kvk-lr-ti_DaebFinancialStatement_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_DescriptionAdditionalRelevantPositionsHousing" xlink:label="kvk-lr-ti_DescriptionAdditionalRelevantPositionsHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_DocumentInformationHousing" xlink:label="kvk-lr-ti_DocumentInformationHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_EquityAdditionalInformationBreakdownHousing" xlink:label="kvk-lr-ti_EquityAdditionalInformationBreakdownHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_IncomeStatementDaebHousing" xlink:label="kvk-lr-ti_IncomeStatementDaebHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_IncomeStatementHousing" xlink:label="kvk-lr-ti_IncomeStatementHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_IncomeStatementNonDaebHousing" xlink:label="kvk-lr-ti_IncomeStatementNonDaebHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_NonDaebFinancialStatement" xlink:label="kvk-lr-ti_NonDaebFinancialStatement_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_NotesAccountingPrinciplesAssetsLiabilitiesHousing" xlink:label="kvk-lr-ti_NotesAccountingPrinciplesAssetsLiabilitiesHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_NotesAccountingPrinciplesResultHousing" xlink:label="kvk-lr-ti_NotesAccountingPrinciplesResultHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_NotesAdditionsRealEstateInExploitationBreakdownHousing" xlink:label="kvk-lr-ti_NotesAdditionsRealEstateInExploitationBreakdownHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_NotesAssetsLiabilitiesNotRecognisedHousing" xlink:label="kvk-lr-ti_NotesAssetsLiabilitiesNotRecognisedHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_NotesBorrowingsFromGovernmentsCreditInstitutionsBreakdownHousing" xlink:label="kvk-lr-ti_NotesBorrowingsFromGovernmentsCreditInstitutionsBreakdownHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_NotesBorrowingsFromGovernmentsCreditInstitutionsHousing" xlink:label="kvk-lr-ti_NotesBorrowingsFromGovernmentsCreditInstitutionsHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_NotesCashAndCashEquivalentsOtherAmountsHousing" xlink:label="kvk-lr-ti_NotesCashAndCashEquivalentsOtherAmountsHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_NotesCashAndCashEquivalentsSpecificationHousing" xlink:label="kvk-lr-ti_NotesCashAndCashEquivalentsSpecificationHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_NotesCashFlowStatementBreakdownHousing" xlink:label="kvk-lr-ti_NotesCashFlowStatementBreakdownHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_NotesChangesValueRealEstatePortfolioHousing" xlink:label="kvk-lr-ti_NotesChangesValueRealEstatePortfolioHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_NotesConsolidatedAccountingPrinciplesAssetsLiabilitiesHousing" xlink:label="kvk-lr-ti_NotesConsolidatedAccountingPrinciplesAssetsLiabilitiesHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_NotesConsolidatedAccountingPrinciplesResultHousing" xlink:label="kvk-lr-ti_NotesConsolidatedAccountingPrinciplesResultHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_NotesConsolidatedAdditionsRealEstateInExploitationBreakdownHousing" xlink:label="kvk-lr-ti_NotesConsolidatedAdditionsRealEstateInExploitationBreakdownHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_NotesConsolidatedAssetsLiabilitiesNotRecognisedHousing" xlink:label="kvk-lr-ti_NotesConsolidatedAssetsLiabilitiesNotRecognisedHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_NotesConsolidatedBorrowingsFromGovernmentsCreditInstitutionsBreakdownHousing" xlink:label="kvk-lr-ti_NotesConsolidatedBorrowingsFromGovernmentsCreditInstitutionsBreakdownHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_NotesConsolidatedBorrowingsFromGovernmentsCreditInstitutionsHousing" xlink:label="kvk-lr-ti_NotesConsolidatedBorrowingsFromGovernmentsCreditInstitutionsHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_NotesConsolidatedCashFlowStatementBreakdownHousing" xlink:label="kvk-lr-ti_NotesConsolidatedCashFlowStatementBreakdownHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_NotesConsolidatedChangesValueRealEstatePortfolioHousing" xlink:label="kvk-lr-ti_NotesConsolidatedChangesValueRealEstatePortfolioHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_NotesConsolidatedCurrentLiabilitiesHousing" xlink:label="kvk-lr-ti_NotesConsolidatedCurrentLiabilitiesHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_NotesConsolidatedCurrentLiabilitiesPayablesOtherCurrentSpecificationHousing" xlink:label="kvk-lr-ti_NotesConsolidatedCurrentLiabilitiesPayablesOtherCurrentSpecificationHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_NotesConsolidatedEqualisationAccountHousing" xlink:label="kvk-lr-ti_NotesConsolidatedEqualisationAccountHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_NotesConsolidatedEquityHousing" xlink:label="kvk-lr-ti_NotesConsolidatedEquityHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_NotesConsolidatedFinancialAssetsHousing" xlink:label="kvk-lr-ti_NotesConsolidatedFinancialAssetsHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_NotesConsolidatedFinancialAssetsMovementHousing" xlink:label="kvk-lr-ti_NotesConsolidatedFinancialAssetsMovementHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_NotesConsolidatedFinancialAssetsMovementPreviousHousing" xlink:label="kvk-lr-ti_NotesConsolidatedFinancialAssetsMovementPreviousHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_NotesConsolidatedFinancialAssetsNonWswSecuredLoansHousing" xlink:label="kvk-lr-ti_NotesConsolidatedFinancialAssetsNonWswSecuredLoansHousing_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-housing.xsd#kvk-lr-ti_NotesConsolidatedFinancialAssetsNonWswSecuredLoansSpecificationHousing" xlink:label="kvk-lr-ti_NotesConsolidatedFinancialAssetsNonWswSecuredLoansSpecificationHousing_loc" xlink:type="locator"/>
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