<?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: NT21
  Version: 20261209.a
  Release date: April, 2026
-->
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    <link:label id="jenv-bw2-i_CashAndCashEquivalents_periodEndLabel_en" xlink:label="jenv-bw2-i_CashAndCashEquivalents_periodEndLabel_en" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en">Cash and cash equivalents at the end of the period</link:label>
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    <link:label id="jenv-bw2-i_ReceivablesOtherCurrent_periodEndLabel_en" xlink:label="jenv-bw2-i_ReceivablesOtherCurrent_periodEndLabel_en" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en">Current other receivables at the end of the period</link:label>
    <link:label id="jenv-bw2-i_EqualisationReserve_periodEndLabel_en" xlink:label="jenv-bw2-i_EqualisationReserve_periodEndLabel_en" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en">Equalisation reserve at the end of the period</link:label>
    <link:label id="jenv-bw2-i_Equity_periodEndLabel_en" xlink:label="jenv-bw2-i_Equity_periodEndLabel_en" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en">Equity at the end of the period</link:label>
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    <link:label id="jenv-bw2-i_GeneralBankingRisksReserve_periodEndLabel_en" xlink:label="jenv-bw2-i_GeneralBankingRisksReserve_periodEndLabel_en" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en">General banking risks reserve at the end of the period</link:label>
    <link:label id="jenv-bw2-i_TechnicalProvisionsForDamagesOrBenefitsPayableGross_periodEndLabel_en" xlink:label="jenv-bw2-i_TechnicalProvisionsForDamagesOrBenefitsPayableGross_periodEndLabel_en" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en">Gross technical provisions for damages or benefits payable at the end of the period</link:label>
    <link:label id="jenv-bw2-i_IncomeFromInvestmentsInParticipatingInterestsOther_periodEndLabel_en" xlink:label="jenv-bw2-i_IncomeFromInvestmentsInParticipatingInterestsOther_periodEndLabel_en" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en">Income from investments in other participating interests at the end of the period</link:label>
    <link:label id="jenv-bw2-i_IntangibleAssets_periodEndLabel_en" xlink:label="jenv-bw2-i_IntangibleAssets_periodEndLabel_en" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en">Intangible assets at the end of the period</link:label>
    <link:label id="jenv-bw2-i_Inventories_periodEndLabel_en" xlink:label="jenv-bw2-i_Inventories_periodEndLabel_en" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en">Inventories at the end of the period</link:label>
    <link:label id="jenv-bw2-i_Investments_periodEndLabel_en" xlink:label="jenv-bw2-i_Investments_periodEndLabel_en" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en">Investments at the end of the period</link:label>
    <link:label id="jenv-bw2-i_InvestmentsInParticipatingInterests_periodEndLabel_en" xlink:label="jenv-bw2-i_InvestmentsInParticipatingInterests_periodEndLabel_en" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en">Investments in participating interests at the end of the period</link:label>
    <link:label id="jenv-bw2-i_LoansAdvancesGuaranteesOnBehalfOfManagingSupervisoryDirectors_periodEndLabel_en" xlink:label="jenv-bw2-i_LoansAdvancesGuaranteesOnBehalfOfManagingSupervisoryDirectors_periodEndLabel_en" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en">Loans, advances and guarantees on behalf of managing and supervisory directors at the end of the period</link:label>
    <link:label id="jenv-bw2-i_NetRevenue_periodEndLabel_en" xlink:label="jenv-bw2-i_NetRevenue_periodEndLabel_en" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en">Net revenue at the end of the period</link:label>
    <link:label id="jenv-bw2-i_LiabilitiesNoncurrent_periodEndLabel_en" xlink:label="jenv-bw2-i_LiabilitiesNoncurrent_periodEndLabel_en" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en">Non-current liabilities at the end of the period</link:label>
    <link:label id="jenv-bw2-i_ShareCapitalNumberShares_periodEndLabel_en" xlink:label="jenv-bw2-i_ShareCapitalNumberShares_periodEndLabel_en" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en">Number of shares at the end of the period</link:label>
    <link:label id="jenv-bw2-i_InvestmentsInLandAndBuildingsOther_periodEndLabel_en" xlink:label="jenv-bw2-i_InvestmentsInLandAndBuildingsOther_periodEndLabel_en" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en">Other investments in land and buildings at the end of the period</link:label>
    <link:label id="jenv-bw2-i_InvestmentsInParticipatingInterestsOther_periodEndLabel_en" xlink:label="jenv-bw2-i_InvestmentsInParticipatingInterestsOther_periodEndLabel_en" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en">Other investments in participating interests at the end of the period</link:label>
    <link:label id="jenv-bw2-i_PropertyPlantEquipmentOther_periodEndLabel_en" xlink:label="jenv-bw2-i_PropertyPlantEquipmentOther_periodEndLabel_en" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en">Other property, plant and equipment at the end of the period</link:label>
    <link:label id="jenv-bw2-i_ProvisionsOther_periodEndLabel_en" xlink:label="jenv-bw2-i_ProvisionsOther_periodEndLabel_en" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en">Other provisions at the end of the period</link:label>
    <link:label id="jenv-bw2-i_TechnicalProvisionsOther_periodEndLabel_en" xlink:label="jenv-bw2-i_TechnicalProvisionsOther_periodEndLabel_en" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en">Other technical provisions at the end of the period</link:label>
    <link:label id="jenv-bw2-i_OtherFinancialInvestmentsOther_periodEndLabel_en" xlink:label="jenv-bw2-i_OtherFinancialInvestmentsOther_periodEndLabel_en" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en">Other types of financial investments at the end of the period</link:label>
    <link:label id="jenv-bw2-i_OtherAssetsOther_periodEndLabel_en" xlink:label="jenv-bw2-i_OtherAssetsOther_periodEndLabel_en" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en">Other types of other assets at the end of the period</link:label>
    <link:label id="jenv-bw2-i_PropertyPlantEquipment_periodEndLabel_en" xlink:label="jenv-bw2-i_PropertyPlantEquipment_periodEndLabel_en" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en">Property, plant and equipment at the end of the period</link:label>
    <link:label id="jenv-bw2-i_Provisions_periodEndLabel_en" xlink:label="jenv-bw2-i_Provisions_periodEndLabel_en" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en">Provisions at the end of the period</link:label>
    <link:label id="jenv-bw2-i_Receivables_periodEndLabel_en" xlink:label="jenv-bw2-i_Receivables_periodEndLabel_en" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en">Receivables at the end of the period</link:label>
    <link:label id="jenv-bw2-i_ReceivablesFromBanks_periodEndLabel_en" xlink:label="jenv-bw2-i_ReceivablesFromBanks_periodEndLabel_en" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en">Receivables from banks at the end of the period</link:label>
    <link:label id="jenv-bw2-i_ReceivablesFromCustomers_periodEndLabel_en" xlink:label="jenv-bw2-i_ReceivablesFromCustomers_periodEndLabel_en" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en">Receivables from customers at the end of the period</link:label>
    <link:label id="jenv-bw2-i_TechnicalProvisionsForDamagesOrBenefitsPayableReinsuredPart_periodEndLabel_en" xlink:label="jenv-bw2-i_TechnicalProvisionsForDamagesOrBenefitsPayableReinsuredPart_periodEndLabel_en" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en">Reinsurance part of technical provisions for damages or benefits payable at the end of the period</link:label>
    <link:label id="jenv-bw2-i_RevaluationReserve_periodEndLabel_en" xlink:label="jenv-bw2-i_RevaluationReserve_periodEndLabel_en" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en">Revaluation reserve at the end of the period</link:label>
    <link:label id="jenv-bw2-i_RightsGrantedNotYetExercised_periodEndLabel_en" xlink:label="jenv-bw2-i_RightsGrantedNotYetExercised_periodEndLabel_en" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en">Rights not yet exercised at the end of the period</link:label>
    <link:label id="jenv-bw2-i_SecuritiesCurrent_periodEndLabel_en" xlink:label="jenv-bw2-i_SecuritiesCurrent_periodEndLabel_en" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en">Securities at the end of the period</link:label>
    <link:label id="jenv-bw2-i_SharesOtherVariableYieldSecurities_periodEndLabel_en" xlink:label="jenv-bw2-i_SharesOtherVariableYieldSecurities_periodEndLabel_en" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en">Shares and other variable-yield securities at the end of the period</link:label>
    <link:label id="jenv-bw2-i_IntangibleAssetsAccumulatedAmortisationImpairments_periodEndLabel_en" xlink:label="jenv-bw2-i_IntangibleAssetsAccumulatedAmortisationImpairments_periodEndLabel_en" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en">Sum of the amortisation and impairments of intangible assets at the end of the period</link:label>
    <link:label id="jenv-bw2-i_FinancialAssetsAccumulatedDepreciationImpairments_periodEndLabel_en" xlink:label="jenv-bw2-i_FinancialAssetsAccumulatedDepreciationImpairments_periodEndLabel_en" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en">Sum of the depreciation and impairments of financial assets at the end of the period</link:label>
    <link:label id="jenv-bw2-i_InvestmentPropertiesAccumulatedDepreciationImpairments_periodEndLabel_en" xlink:label="jenv-bw2-i_InvestmentPropertiesAccumulatedDepreciationImpairments_periodEndLabel_en" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en">Sum of the depreciation and impairments of investment properties at the end of the period</link:label>
    <link:label id="jenv-bw2-i_PropertyPlantEquipmentAccumulatedDepreciationImpairments_periodEndLabel_en" xlink:label="jenv-bw2-i_PropertyPlantEquipmentAccumulatedDepreciationImpairments_periodEndLabel_en" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en">Sum of the depreciation and impairments of property, plant and equipment at the end of the period</link:label>
    <link:label id="jenv-bw2-i_PropertyPlantEquipmentAccumulatedRevaluations_periodEndLabel_en" xlink:label="jenv-bw2-i_PropertyPlantEquipmentAccumulatedRevaluations_periodEndLabel_en" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en">Sum of the revaluations concerning property, plant and equipment at the end of the period</link:label>
    <link:label id="jenv-bw2-i_FinancialAssetsAccumulatedRevaluations_periodEndLabel_en" xlink:label="jenv-bw2-i_FinancialAssetsAccumulatedRevaluations_periodEndLabel_en" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en">Sum of the revaluations of financial assets at the end of the period</link:label>
    <link:label id="jenv-bw2-i_IntangibleAssetsAccumulatedRevaluations_periodEndLabel_en" xlink:label="jenv-bw2-i_IntangibleAssetsAccumulatedRevaluations_periodEndLabel_en" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en">Sum of the revaluations related to intangible assets at the end of the period</link:label>
    <link:label id="jenv-bw2-i_TechnicalProvisions_periodEndLabel_en" xlink:label="jenv-bw2-i_TechnicalProvisions_periodEndLabel_en" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en">Technical provisions at the end of the period</link:label>
    <link:label id="jenv-bw2-i_TreasuryShares_periodEndLabel_en" xlink:label="jenv-bw2-i_TreasuryShares_periodEndLabel_en" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en">Treasury shares at the end of the period</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="jenv-bw2-i_Equity_loc" xlink:to="jenv-bw2-i_Equity_periodEndLabel_en" xlink:type="arc"/>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="jenv-bw2-i_FinancialAssets_loc" xlink:to="jenv-bw2-i_FinancialAssets_periodEndLabel_en" xlink:type="arc"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="jenv-bw2-i_GeneralBankingRisksReserve_loc" xlink:to="jenv-bw2-i_GeneralBankingRisksReserve_periodEndLabel_en" xlink:type="arc"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="jenv-bw2-i_IncomeFromInvestmentsInParticipatingInterestsOther_loc" xlink:to="jenv-bw2-i_IncomeFromInvestmentsInParticipatingInterestsOther_periodEndLabel_en" xlink:type="arc"/>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="jenv-bw2-i_LiabilitiesCurrent_loc" xlink:to="jenv-bw2-i_LiabilitiesCurrent_periodEndLabel_en" xlink:type="arc"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="jenv-bw2-i_LiabilitiesNoncurrent_loc" xlink:to="jenv-bw2-i_LiabilitiesNoncurrent_periodEndLabel_en" xlink:type="arc"/>
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