<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<!--
  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 order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_NotesNoncurrentLiabilitiesMovementHousing_PrtFST1FactExplicitEQFactNonExplicit2_loc" xlink:to="NotesNoncurrentLiabilitiesMovementHousing_PrtFST1FactExplicitEQFactNonExplicit2_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_NotesNoncurrentLiabilitiesMovementHousing_PrtFST1FactExplicitEQFactNonExplicit3_loc" xlink:to="NotesNoncurrentLiabilitiesMovementHousing_PrtFST1FactExplicitEQFactNonExplicit3_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_NotesNoncurrentLiabilitiesMovementHousing_PrtFST1FactExplicitEQFactNonExplicit4_loc" xlink:to="NotesNoncurrentLiabilitiesMovementHousing_PrtFST1FactExplicitEQFactNonExplicit4_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_NotesNoncurrentLiabilitiesMovementHousing_PrtFST1FactExplicitEQFactNonExplicit5_loc" xlink:to="NotesNoncurrentLiabilitiesMovementHousing_PrtFST1FactExplicitEQFactNonExplicit5_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_NotesNoncurrentLiabilitiesMovementHousing_PrtFST1FactExplicitEQFactNonExplicit6_loc" xlink:to="NotesNoncurrentLiabilitiesMovementHousing_PrtFST1FactExplicitEQFactNonExplicit6_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_NotesNoncurrentLiabilitiesMovementHousing_PrtFST1FactExplicitEQFactNonExplicit7_loc" xlink:to="NotesNoncurrentLiabilitiesMovementHousing_PrtFST1FactExplicitEQFactNonExplicit7_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_NotesNoncurrentLiabilitiesMovementHousing_PrtFST1PeriodStartMutationPeriodEnd1_loc" xlink:to="NotesNoncurrentLiabilitiesMovementHousing_PrtFST1PeriodStartMutationPeriodEnd1_label_EN" xlink:type="arc"/>
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    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_NotesNoncurrentLiabilitiesMovementHousing_PrtFST1SumOfMembersOnAbstract1_loc" xlink:to="NotesNoncurrentLiabilitiesMovementHousing_PrtFST1SumOfMembersOnAbstract1_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_NotesNoncurrentLiabilitiesMovementHousing_PrtFST1SumOfMembersOnAbstract2_loc" xlink:to="NotesNoncurrentLiabilitiesMovementHousing_PrtFST1SumOfMembersOnAbstract2_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_NotesNoncurrentLiabilitiesMovementHousing_PrtFST103Variables1E1_loc" xlink:to="NotesNoncurrentLiabilitiesMovementHousing_PrtFST103Variables1E1_label_EN" xlink:type="arc"/>
    <label:label id="NotesNoncurrentLiabilitiesMovementHousing_PrtFST1PeriodStartMutationPeriodEnd1_label_EN" xlink:label="NotesNoncurrentLiabilitiesMovementHousing_PrtFST1PeriodStartMutationPeriodEnd1_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Reported value of `LiabilitiesNoncurrent` at end of period SHOULD be equal to sum of reported value of `LiabilitiesNoncurrent` at beginning of period and changes in that value during period, `LiabilitiesNoncurrentMovement`.</label:label>
    <label:label id="NotesNoncurrentLiabilitiesMovementHousing_PrtFST1SumOfMembersOnAbstract1_label_EN" xlink:label="NotesNoncurrentLiabilitiesMovementHousing_PrtFST1SumOfMembersOnAbstract1_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`LiabilitiesNoncurrentMember` SHOULD be equal to the summation of the underlying children members.</label:label>
    <label:label id="NotesNoncurrentLiabilitiesMovementHousing_PrtFST1SumOfMembersOnAbstract2_label_EN" xlink:label="NotesNoncurrentLiabilitiesMovementHousing_PrtFST1SumOfMembersOnAbstract2_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`LiabilitiesNoncurrentMember` SHOULD be equal to the summation of the underlying children members.</label:label>
    <label:label id="NotesNoncurrentLiabilitiesMovementHousing_PrtFST1SumOfChildrenParentCredit1E1_label_EN" xlink:label="NotesNoncurrentLiabilitiesMovementHousing_PrtFST1SumOfChildrenParentCredit1E1_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`LiabilitiesNoncurrentMovement` SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="NotesNoncurrentLiabilitiesMovementHousing_PrtFST103Variables1E1_label_EN" xlink:label="NotesNoncurrentLiabilitiesMovementHousing_PrtFST103Variables1E1_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`LiabilitiesNoncurrent` SHOULD be equal to + `LiabilitiesMaturityLessThanOneYear` + `LiabilitiesMaturityExceedingOneYearWithinFiveYears` + `LiabilitiesMaturityExceedingFiveYears`.</label:label>
    <label:label id="NotesNoncurrentLiabilitiesMovementHousing_PrtFST1FactExplicitEQFactNonExplicit6_label_EN" xlink:label="NotesNoncurrentLiabilitiesMovementHousing_PrtFST1FactExplicitEQFactNonExplicit6_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`LiabilitiesNoncurrent` reported with `LiabilitiesNoncurrentAxis` and `LiabilitiesFromRealEstateSoldSubjectTermsConditionsMember` SHOULD be equal to `LiabilitiesFromRealEstateSoldSubjectTermsConditions` without `LiabilitiesNoncurrentAxis` and `LiabilitiesFromRealEstateSoldSubjectTermsConditionsMember`.</label:label>
    <label:label id="NotesNoncurrentLiabilitiesMovementHousing_PrtFST1FactExplicitEQFactNonExplicit1_label_EN" xlink:label="NotesNoncurrentLiabilitiesMovementHousing_PrtFST1FactExplicitEQFactNonExplicit1_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`LiabilitiesNoncurrent` reported with `LiabilitiesNoncurrentAxis` and `LiabilitiesNoncurrentMember` SHOULD be equal to `LiabilitiesNoncurrent` without `LiabilitiesNoncurrentAxis` and `LiabilitiesNoncurrentMember`.</label:label>
    <label:label id="NotesNoncurrentLiabilitiesMovementHousing_PrtFST1FactExplicitEQFactNonExplicit3_label_EN" xlink:label="NotesNoncurrentLiabilitiesMovementHousing_PrtFST1FactExplicitEQFactNonExplicit3_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`LiabilitiesNoncurrent` reported with `LiabilitiesNoncurrentAxis` and `PayablesCreditInstitutionsNoncurrentMember` SHOULD be equal to `PayablesCreditInstitutionsNoncurrent` without `LiabilitiesNoncurrentAxis` and `PayablesCreditInstitutionsNoncurrentMember`.</label:label>
    <label:label id="NotesNoncurrentLiabilitiesMovementHousing_PrtFST1FactExplicitEQFactNonExplicit2_label_EN" xlink:label="NotesNoncurrentLiabilitiesMovementHousing_PrtFST1FactExplicitEQFactNonExplicit2_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`LiabilitiesNoncurrent` reported with `LiabilitiesNoncurrentAxis` and `PayablesGovernmentNoncurrentMember` SHOULD be equal to `PayablesGovernmentNoncurrent` without `LiabilitiesNoncurrentAxis` and `PayablesGovernmentNoncurrentMember`.</label:label>
    <label:label id="NotesNoncurrentLiabilitiesMovementHousing_PrtFST1FactExplicitEQFactNonExplicit4_label_EN" xlink:label="NotesNoncurrentLiabilitiesMovementHousing_PrtFST1FactExplicitEQFactNonExplicit4_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`LiabilitiesNoncurrent` reported with `LiabilitiesNoncurrentAxis` and `PayablesGroupCompaniesNoncurrentMember` SHOULD be equal to `PayablesGroupCompaniesNoncurrent` without `LiabilitiesNoncurrentAxis` and `PayablesGroupCompaniesNoncurrentMember`.</label:label>
    <label:label id="NotesNoncurrentLiabilitiesMovementHousing_PrtFST1FactExplicitEQFactNonExplicit7_label_EN" xlink:label="NotesNoncurrentLiabilitiesMovementHousing_PrtFST1FactExplicitEQFactNonExplicit7_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`LiabilitiesNoncurrent` reported with `LiabilitiesNoncurrentAxis` and `PayablesOtherNoncurrentMember` SHOULD be equal to `PayablesOtherNoncurrent` without `LiabilitiesNoncurrentAxis` and `PayablesOtherNoncurrentMember`.</label:label>
    <label:label id="NotesNoncurrentLiabilitiesMovementHousing_PrtFST1FactExplicitEQFactNonExplicit5_label_EN" xlink:label="NotesNoncurrentLiabilitiesMovementHousing_PrtFST1FactExplicitEQFactNonExplicit5_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`LiabilitiesNoncurrent` reported with `LiabilitiesNoncurrentAxis` and `PayablesShareholdersParticipatingInterestsNoncurrentMember` SHOULD be equal to `PayablesShareholdersParticipatingInterestsNoncurrent` without `LiabilitiesNoncurrentAxis` and `PayablesShareholdersParticipatingInterestsNoncurrentMember`.</label:label>
    <link:loc xlink:href="kvk-notes-noncurrent-liabilities-movement-housing-for.xml#valueAssertion_NotesNoncurrentLiabilitiesMovementHousing_PrtFST1FactExplicitEQFactNonExplicit1" xlink:label="valueAssertion_NotesNoncurrentLiabilitiesMovementHousing_PrtFST1FactExplicitEQFactNonExplicit1_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-notes-noncurrent-liabilities-movement-housing-for.xml#valueAssertion_NotesNoncurrentLiabilitiesMovementHousing_PrtFST1FactExplicitEQFactNonExplicit2" xlink:label="valueAssertion_NotesNoncurrentLiabilitiesMovementHousing_PrtFST1FactExplicitEQFactNonExplicit2_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-notes-noncurrent-liabilities-movement-housing-for.xml#valueAssertion_NotesNoncurrentLiabilitiesMovementHousing_PrtFST1FactExplicitEQFactNonExplicit3" xlink:label="valueAssertion_NotesNoncurrentLiabilitiesMovementHousing_PrtFST1FactExplicitEQFactNonExplicit3_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-notes-noncurrent-liabilities-movement-housing-for.xml#valueAssertion_NotesNoncurrentLiabilitiesMovementHousing_PrtFST1FactExplicitEQFactNonExplicit4" xlink:label="valueAssertion_NotesNoncurrentLiabilitiesMovementHousing_PrtFST1FactExplicitEQFactNonExplicit4_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-notes-noncurrent-liabilities-movement-housing-for.xml#valueAssertion_NotesNoncurrentLiabilitiesMovementHousing_PrtFST1FactExplicitEQFactNonExplicit5" xlink:label="valueAssertion_NotesNoncurrentLiabilitiesMovementHousing_PrtFST1FactExplicitEQFactNonExplicit5_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-notes-noncurrent-liabilities-movement-housing-for.xml#valueAssertion_NotesNoncurrentLiabilitiesMovementHousing_PrtFST1FactExplicitEQFactNonExplicit6" xlink:label="valueAssertion_NotesNoncurrentLiabilitiesMovementHousing_PrtFST1FactExplicitEQFactNonExplicit6_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-notes-noncurrent-liabilities-movement-housing-for.xml#valueAssertion_NotesNoncurrentLiabilitiesMovementHousing_PrtFST1FactExplicitEQFactNonExplicit7" xlink:label="valueAssertion_NotesNoncurrentLiabilitiesMovementHousing_PrtFST1FactExplicitEQFactNonExplicit7_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-notes-noncurrent-liabilities-movement-housing-for.xml#valueAssertion_NotesNoncurrentLiabilitiesMovementHousing_PrtFST1PeriodStartMutationPeriodEnd1" xlink:label="valueAssertion_NotesNoncurrentLiabilitiesMovementHousing_PrtFST1PeriodStartMutationPeriodEnd1_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-notes-noncurrent-liabilities-movement-housing-for.xml#valueAssertion_NotesNoncurrentLiabilitiesMovementHousing_PrtFST1SumOfChildrenParentCredit1E1" xlink:label="valueAssertion_NotesNoncurrentLiabilitiesMovementHousing_PrtFST1SumOfChildrenParentCredit1E1_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-notes-noncurrent-liabilities-movement-housing-for.xml#valueAssertion_NotesNoncurrentLiabilitiesMovementHousing_PrtFST1SumOfMembersOnAbstract1" xlink:label="valueAssertion_NotesNoncurrentLiabilitiesMovementHousing_PrtFST1SumOfMembersOnAbstract1_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-notes-noncurrent-liabilities-movement-housing-for.xml#valueAssertion_NotesNoncurrentLiabilitiesMovementHousing_PrtFST1SumOfMembersOnAbstract2" xlink:label="valueAssertion_NotesNoncurrentLiabilitiesMovementHousing_PrtFST1SumOfMembersOnAbstract2_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-notes-noncurrent-liabilities-movement-housing-for.xml#valueAssertion_NotesNoncurrentLiabilitiesMovementHousing_PrtFST103Variables1E1" xlink:label="valueAssertion_NotesNoncurrentLiabilitiesMovementHousing_PrtFST103Variables1E1_loc" xlink:type="locator"/>
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