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<!--
  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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    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_ReportOfTheManagementBoardBreakdownPensionFunds_loc" xlink:to="kvk-lr-p-f_ReportOfTheManagementBoardBreakdownPensionFunds_label_nl" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_ReportOfTheManagementBoardPensionFunds_loc" xlink:to="kvk-lr-p-f_ReportOfTheManagementBoardPensionFunds_label_nl" xlink:type="arc"/>
    <label:label id="kvk-lr-p-f_BalanceSheetPensionFunds_label_nl" xlink:label="kvk-lr-p-f_BalanceSheetPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Balans</label:label>
    <label:label id="kvk-lr-p-f_ReportOfTheManagementBoardBreakdownPensionFunds_label_nl" xlink:label="kvk-lr-p-f_ReportOfTheManagementBoardBreakdownPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Bestuursverslag: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-f_ReportOfTheManagementBoardPensionFunds_label_nl" xlink:label="kvk-lr-p-f_ReportOfTheManagementBoardPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Bestuursverslag</label:label>
    <label:label id="kvk-lr-p-f_ClassesOfInvestmentsOnBehalfOfParticipantsPensionFunds_label_nl" xlink:label="kvk-lr-p-f_ClassesOfInvestmentsOnBehalfOfParticipantsPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Categorieën van beleggingen voor risico deelnemers</label:label>
    <label:label id="kvk-lr-p-f_ClassesOfInvestmentsOnBehalfOfPensionFundBreakdownReceivablesPayablesPensionFunds_label_nl" xlink:label="kvk-lr-p-f_ClassesOfInvestmentsOnBehalfOfPensionFundBreakdownReceivablesPayablesPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Categorieën van beleggingen voor risico pensioenfonds: vorderingen en schulden: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-f_ClassesOfInvestmentsOnBehalfOfPensionFunds_label_nl" xlink:label="kvk-lr-p-f_ClassesOfInvestmentsOnBehalfOfPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Categorieën van beleggingen voor risico pensioenfonds</label:label>
    <label:label id="kvk-lr-p-f_ClassesOfInvestmentsPensionFunds_label_nl" xlink:label="kvk-lr-p-f_ClassesOfInvestmentsPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Categorieën van beleggingen</label:label>
    <label:label id="kvk-lr-p-f_ClassesOfParticipatingInterestsPensionFunds_label_nl" xlink:label="kvk-lr-p-f_ClassesOfParticipatingInterestsPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Categorieën van deelnemingen</label:label>
    <label:label id="kvk-lr-p-f_ClassesOfProvisionsOtherPensionFunds_label_nl" xlink:label="kvk-lr-p-f_ClassesOfProvisionsOtherPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Categorieën van overige voorzieningen</label:label>
    <label:label id="kvk-lr-p-f_ComponentsOfPensionObligationsParticipantsPensionFunds_label_nl" xlink:label="kvk-lr-p-f_ComponentsOfPensionObligationsParticipantsPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Categorieën van pensioenverplichtingen voor deelnemers</label:label>
    <label:label id="kvk-lr-p-f_ClassesOfFoundationCapitalAndReservesPensionFunds_label_nl" xlink:label="kvk-lr-p-f_ClassesOfFoundationCapitalAndReservesPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Categorieën van stichtingskapitaal en reserves</label:label>
    <label:label id="kvk-lr-p-f_ConsolidatedBalanceSheetPensionFunds_label_nl" xlink:label="kvk-lr-p-f_ConsolidatedBalanceSheetPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Geconsolideerde balans</label:label>
    <label:label id="kvk-lr-p-f_ConsolidatedCashFlowStatementPensionFunds_label_nl" xlink:label="kvk-lr-p-f_ConsolidatedCashFlowStatementPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Geconsolideerde kasstroomoverzicht</label:label>
    <label:label id="kvk-lr-p-f_ConsolidatedIncomeExpensesStatementAppropriationBalanceIncomeExpensesPensionFunds_label_nl" xlink:label="kvk-lr-p-f_ConsolidatedIncomeExpensesStatementAppropriationBalanceIncomeExpensesPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Geconsolideerde staat van baten en lasten bestemming van het saldo van baten en lasten</label:label>
    <label:label id="kvk-lr-p-f_ConsolidatedIncomeExpensesStatementPensionFunds_label_nl" xlink:label="kvk-lr-p-f_ConsolidatedIncomeExpensesStatementPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Geconsolideerde staat van baten en lasten</label:label>
    <label:label id="kvk-lr-p-f_ReinsurancePartTechnicalProvisionMovementPensionFunds_label_nl" xlink:label="kvk-lr-p-f_ReinsurancePartTechnicalProvisionMovementPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Herverzekeringsdeel technische voorzieningen: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-p-f_CashFlowStatementPensionFunds_label_nl" xlink:label="kvk-lr-p-f_CashFlowStatementPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Kasstroomoverzicht</label:label>
    <label:label id="kvk-lr-p-f_IncomeExpensesStatementAppropriationBalanceIncomeExpensesPensionFunds_label_nl" xlink:label="kvk-lr-p-f_IncomeExpensesStatementAppropriationBalanceIncomeExpensesPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Staat van baten en lasten bestemming van het saldo van baten en lasten</label:label>
    <label:label id="kvk-lr-p-f_IncomeExpensesStatementPensionFunds_label_nl" xlink:label="kvk-lr-p-f_IncomeExpensesStatementPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Staat van baten en lasten</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedShareResultsParticipatingInterestsSpecificationPensionFundsTotal_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedShareResultsParticipatingInterestsSpecificationPensionFundsTotal_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Aandeel in resultaat van ondernemingen waarin wordt deelgenomen: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedSubordinatedLoansPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedSubordinatedLoansPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Achtergestelde leningen</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsMovementPreviousPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsMovementPreviousPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Beleggingen voor risico deelnemers, voorgaande periode: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsFundOtherSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsFundOtherSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Beleggingen voor risico deelnemers: Overige beleggingen voor risico deelnemers: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsFundOtherMovementSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsFundOtherMovementSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Beleggingen voor risico deelnemers: Overige beleggingen voor risico deelnemers: Verloopoverzicht: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsBreakdownPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsBreakdownPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Beleggingen voor risico deelnemers: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsMovementPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsMovementPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Beleggingen voor risico deelnemers: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Beleggingen voor risico deelnemers</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundMovementPreviousPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundMovementPreviousPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Beleggingen voor risico pensioenfonds, voorgaande periode: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundOtherMovementPreviousSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundOtherMovementPreviousSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Beleggingen voor risico pensioenfonds: Overige beleggingen voor risico pensioenfonds, voorgaande periode: Verloopoverzicht: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundOtherSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundOtherSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Beleggingen voor risico pensioenfonds: Overige beleggingen voor risico pensioenfonds: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundOtherMovementSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundOtherMovementSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Beleggingen voor risico pensioenfonds: Overige beleggingen voor risico pensioenfonds: Verloopoverzicht: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundInvestmentsOtherSpecificationPensionFundsTotal_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundInvestmentsOtherSpecificationPensionFundsTotal_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Beleggingen voor risico pensioenfonds: Overige beleggingen: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundInvestmentsOtherSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundInvestmentsOtherSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Beleggingen voor risico pensioenfonds: Overige beleggingen: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundBreakdownPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundBreakdownPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Beleggingen voor risico pensioenfonds: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundMovementPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundMovementPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Beleggingen voor risico pensioenfonds: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundReceivablesPayablesBreakdownPreviousPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundReceivablesPayablesBreakdownPreviousPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Beleggingen voor risico pensioenfonds: vorderingen en schulden, voorgaande periode: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundReceivablesPayablesBreakdownPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundReceivablesPayablesBreakdownPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Beleggingen voor risico pensioenfonds: vorderingen en schulden: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Beleggingen voor risico pensioenfonds</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInvestmentResultsCategoriesBreakdownPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentResultsCategoriesBreakdownPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Beleggingsresultaten categorieën: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInvestmentResultsAssetManagementExpensesCategoriesBreakdownPreviousPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentResultsAssetManagementExpensesCategoriesBreakdownPreviousPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Beleggingsresultaten: Kosten vermogensbeheer categorieën, voorgaande periode: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInvestmentResultsAssetManagementExpensesCategoriesBreakdownPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentResultsAssetManagementExpensesCategoriesBreakdownPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Beleggingsresultaten: Kosten vermogensbeheer categorieën: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInvestmentResultsAssetManagementExpensesBreakdownPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentResultsAssetManagementExpensesBreakdownPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Beleggingsresultaten: Kosten vermogensbeheer: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInvestmentResultsTransactionCostsBreakdownPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentResultsTransactionCostsBreakdownPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Beleggingsresultaten: Transactiekosten: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInvestmentResultsBreakdownPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentResultsBreakdownPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Beleggingsresultaten: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInvestmentsNetPensionArrangementsPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsNetPensionArrangementsPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Beleggingsresultaten: nettopensioenregelingen</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInvestmentResultsPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentResultsPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Beleggingsresultaten</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedParticipatingInterestsMovementPreviousPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedParticipatingInterestsMovementPreviousPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Deelnemingen, voorgaande periode: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedParticipatingInterestsOtherPreviousSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedParticipatingInterestsOtherPreviousSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Deelnemingen: Andere deelnemingen, voorgaande periode: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedParticipatingInterestsOtherMovementPreviousSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedParticipatingInterestsOtherMovementPreviousSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Deelnemingen: Andere deelnemingen, voorgaande periode: Verloopoverzicht: Specificatie</label:label>
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    <label:label id="kvk-lr-p-f_NotesConsolidatedParticipatingInterestsPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedParticipatingInterestsPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Deelnemingen</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedSegmentReportingSpecificationByGeographyPensionFundsTotal_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedSegmentReportingSpecificationByGeographyPensionFundsTotal_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Gesegmenteerde informatie: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedSegmentReportingSpecificationByGeographyPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedSegmentReportingSpecificationByGeographyPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Gesegmenteerde informatie: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedSegmentReportingSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedSegmentReportingSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Gesegmenteerde informatie: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedAccountingPrinciplesResultPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedAccountingPrinciplesResultPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Grondslagen voor de bepaling van het resultaat</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedAccountingPrinciplesAssetsLiabilitiesPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedAccountingPrinciplesAssetsLiabilitiesPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Grondslagen voor de waardering van activa en passiva</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedReinsuranceTechnicalProvisionsContractsSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedReinsuranceTechnicalProvisionsContractsSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Herverzekeringsdeel technische voorzieningen: Overige contracten herverzekering: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedReinsuranceTechnicalProvisionsReceivablesSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedReinsuranceTechnicalProvisionsReceivablesSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Herverzekeringsdeel technische voorzieningen: Overige vorderingen uit hoofde van herverzekeringsdeel technische voorzieningen: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedReinsurancePartTechnicalProvisionsBreakdownPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedReinsurancePartTechnicalProvisionsBreakdownPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Herverzekeringsdeel technische voorzieningen: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedReinsurancePartTechnicalProvisionsMovementPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedReinsurancePartTechnicalProvisionsMovementPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Herverzekeringsdeel technische voorzieningen: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedReinsurancePartTechnicalProvisionsPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedReinsurancePartTechnicalProvisionsPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Herverzekeringsdeel technische voorzieningen</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedChangeReinsurancePartTechnicalProvisionSpecificationPensionFundsTotal_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedChangeReinsurancePartTechnicalProvisionSpecificationPensionFundsTotal_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Mutatie herverzekeringsdeel technische voorzieningen: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedChangeReinsurancePartTechnicalProvisionSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedChangeReinsurancePartTechnicalProvisionSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Mutatie herverzekeringsdeel technische voorzieningen: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedChangeReinsurancePartTechnicalProvisionPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedChangeReinsurancePartTechnicalProvisionPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Mutatie herverzekeringsdeel technische voorzieningen</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedChangeProvisionPensionObligationsOnBehalfOfParticipantsPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedChangeProvisionPensionObligationsOnBehalfOfParticipantsPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Mutatie voorziening pensioenverplichtingen voor risico deelnemers</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedChangeProvisionPensionObligationsOnBehalfOfPensionFundPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedChangeProvisionPensionObligationsOnBehalfOfPensionFundPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Mutatie voorziening pensioenverplichtingen voor risico pensioenfonds</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedReceivablesInsurancePoliciesNotDueCurrentAccountBreakdownPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedReceivablesInsurancePoliciesNotDueCurrentAccountBreakdownPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Niet direct uit lopende afrekeningen opeisbare vorderingen uit verzekeringspolissen: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedReceivablesFromInsurancePoliciesNotImmediatelyDueFromCurrentAccountPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedReceivablesFromInsurancePoliciesNotImmediatelyDueFromCurrentAccountPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Niet direct uit lopende afrekeningen opeisbare vorderingen uit verzekeringspolissen</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedPayablesVPLArrangementsReceivedNotYetUtilisedPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedPayablesVPLArrangementsReceivedNotYetUtilisedPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Ontvangen middelen uit hoofde van VPL maar nog niet aangewend</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedTransfersOfRightsBalanceBreakdownPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedTransfersOfRightsBalanceBreakdownPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Overdrachten van rechten: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedTransfersOfRightsBalancePensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedTransfersOfRightsBalancePensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Overdrachten van rechten</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedAssetsOtherOtherAssetsOtherSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedAssetsOtherOtherAssetsOtherSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Overige activa: Andere overige activa: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedAssetsOtherBreakdownPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedAssetsOtherBreakdownPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Overige activa: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedAssetsOtherPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedAssetsOtherPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Overige activa</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedIncomeOtherPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedIncomeOtherPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Overige baten</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedExpensesOtherPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedExpensesOtherPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Overige lasten</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedLiabilitiesOtherBreakdownPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedLiabilitiesOtherBreakdownPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Overige schulden: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedLiabilitiesOtherPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedLiabilitiesOtherPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Overige schulden</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedPensionBenefitsPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedPensionBenefitsPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Pensioenuitkeringen</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedPensionAdministrationExpensesBreakdownPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedPensionAdministrationExpensesBreakdownPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Pensioenuitvoeringskosten: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedPensionAdministrationExpensesPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedPensionAdministrationExpensesPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Pensioenuitvoeringskosten</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedPremiumContributionsBreakdownPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedPremiumContributionsBreakdownPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Premiebijdragen: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedPremiumContributionsPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedPremiumContributionsPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Premiebijdragen</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedTechnicalProvisionsOtherMovementPreviousSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedTechnicalProvisionsOtherMovementPreviousSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Technische voorzieningen overig, voorgaande periode: Verloopoverzicht: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedTechnicalProvisionsOtherMovementSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedTechnicalProvisionsOtherMovementSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Technische voorzieningen overig: Verloopoverzicht: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedTechnicalProvisionsTechnicalProvisionsOtherSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedTechnicalProvisionsTechnicalProvisionsOtherSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Technische voorzieningen: Overige technische voorzieningen: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedTechnicalProvisionsBreakdownPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedTechnicalProvisionsBreakdownPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Technische voorzieningen: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedTechnicalProvisionsPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedTechnicalProvisionsPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Technische voorzieningen</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInsurancePoliciesCurrentAccountSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedInsurancePoliciesCurrentAccountSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Verzekeringspolissen: Overige niet direct uit lopende afrekeningen opeisbare vorderingen uit verzekeringspolissen: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedProvisionPensionObligationsOnBehalfOfParticipantsMovementPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionPensionObligationsOnBehalfOfParticipantsMovementPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Voorziening pensioenverplichtingen voor risico deelnemers: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedProvisionPensionObligationsOnBehalfOfParticipantsPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionPensionObligationsOnBehalfOfParticipantsPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Voorziening pensioenverplichtingen voor risico deelnemers</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedProvisionPensionNumberParticipantsPreviousSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionPensionNumberParticipantsPreviousSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Voorziening pensioenverplichtingen voor risico pensioenfonds aantal deelnemers: Aantal overige deelnemers, voorgaande periode: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedProvisionPensionNumberParticipantsSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionPensionNumberParticipantsSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Voorziening pensioenverplichtingen voor risico pensioenfonds aantal deelnemers: Aantal overige deelnemers: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedProvisionPensionObligationsPensionFundNumberParticipantsBreakdownPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionPensionObligationsPensionFundNumberParticipantsBreakdownPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Voorziening pensioenverplichtingen voor risico pensioenfonds aantal deelnemers: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedProvisionPensionObligationsBehalfPensionFundParticipantsBreakdownPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionPensionObligationsBehalfPensionFundParticipantsBreakdownPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Voorziening pensioenverplichtingen voor risico pensioenfonds deelnemers: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedProvisionPensionObligationsOnBehalfOfPensionFundMovementPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionPensionObligationsOnBehalfOfPensionFundMovementPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Voorziening pensioenverplichtingen voor risico pensioenfonds: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedProvisionsSpreadingCapacitySpecificiationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionsSpreadingCapacitySpecificiationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Voorziening pensioenverplichtingen: Spreidingsvermogen: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedProvisionsPayoutCapacitySpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionsPayoutCapacitySpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Voorziening pensioenverplichtingen: Uitkeringsvermogen: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedProvisionsOtherBreakdownMaturityPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionsOtherBreakdownMaturityPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Voorzieningen overig: Looptijd</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedProvisionsOtherProvisionsOtherMovementPreviousSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionsOtherProvisionsOtherMovementPreviousSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Voorzieningen overig: Overige voorzieningen, voorgaande periode: Verloopoverzicht: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedProvisionsOtherProvisionsOtherSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionsOtherProvisionsOtherSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Voorzieningen overig: Overige voorzieningen: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedProvisionsOtherProvisionsOtherMovementSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionsOtherProvisionsOtherMovementSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Voorzieningen overig: Overige voorzieningen: Verloopoverzicht: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedProvisionsOtherBreakdownPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionsOtherBreakdownPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Voorzieningen overig: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedProvisionsOtherPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionsOtherPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Voorzieningen overig</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedProvisionsOtherMovementPreviousPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionsOtherMovementPreviousPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Voorzieningen, voorgaande periode: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedProvisionsOtherMovementPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionsOtherMovementPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Voorzieningen: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedReceivablesAndPrepaymentsReceivablesOtherSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedReceivablesAndPrepaymentsReceivablesOtherSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Vorderingen en overlopende activa: Overige vorderingen: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedReceivablesAndPrepaymentsBreakdownMaturityPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedReceivablesAndPrepaymentsBreakdownMaturityPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Vorderingen en overlopende activa: Uitsplitsing looptijd</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedReceivablesAndPrepaymentsBreakdownPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedReceivablesAndPrepaymentsBreakdownPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Vorderingen en overlopende activa: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedReceivablesAndPrepaymentsPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesConsolidatedReceivablesAndPrepaymentsPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Vorderingen en overlopende activa</label:label>
    <label:label id="kvk-lr-p-f_NotesShareResultsParticipatingInterestsSpecificationPensionFundsTotal_label_nl" xlink:label="kvk-lr-p-f_NotesShareResultsParticipatingInterestsSpecificationPensionFundsTotal_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Aandeel in resultaat van ondernemingen waarin wordt deelgenomen: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesSubordinatedLoansPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesSubordinatedLoansPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Achtergestelde leningen</label:label>
    <label:label id="kvk-lr-p-f_NotesInvestmentsOnBehalfOfParticipantsMovementPreviousPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfParticipantsMovementPreviousPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Beleggingen voor risico deelnemers, voorgaande periode: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-p-f_NotesInvestmentsOnBehalfOfParticipantsFundOtherSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfParticipantsFundOtherSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Beleggingen voor risico deelnemers: Overige beleggingen voor risico deelnemers: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesInvestmentsOnBehalfOfParticipantsFundOtherMovementSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfParticipantsFundOtherMovementSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Beleggingen voor risico deelnemers: Overige beleggingen voor risico deelnemers: Verloopoverzicht: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesInvestmentsOnBehalfOfParticipantsBreakdownPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfParticipantsBreakdownPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Beleggingen voor risico deelnemers: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-f_NotesInvestmentsOnBehalfOfParticipantsMovementPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfParticipantsMovementPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Beleggingen voor risico deelnemers: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-p-f_NotesInvestmentsOnBehalfOfParticipantsPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfParticipantsPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Beleggingen voor risico deelnemers</label:label>
    <label:label id="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundMovementPreviousPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundMovementPreviousPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Beleggingen voor risico pensioenfonds, voorgaande periode: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundOtherMovementPreviousSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundOtherMovementPreviousSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Beleggingen voor risico pensioenfonds: Overige beleggingen voor risico pensioenfonds, voorgaande periode: Verloopoverzicht: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundOtherSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundOtherSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Beleggingen voor risico pensioenfonds: Overige beleggingen voor risico pensioenfonds: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundOtherMovementSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundOtherMovementSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Beleggingen voor risico pensioenfonds: Overige beleggingen voor risico pensioenfonds: Verloopoverzicht: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundInvestmentsOtherSpecificationPensionFundsTotal_label_nl" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundInvestmentsOtherSpecificationPensionFundsTotal_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Beleggingen voor risico pensioenfonds: Overige beleggingen: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundInvestmentsOtherSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundInvestmentsOtherSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Beleggingen voor risico pensioenfonds: Overige beleggingen: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundBreakdownPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundBreakdownPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Beleggingen voor risico pensioenfonds: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundMovementPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundMovementPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Beleggingen voor risico pensioenfonds: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundReceivablesPayablesBreakdownPreviousPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundReceivablesPayablesBreakdownPreviousPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Beleggingen voor risico pensioenfonds: vorderingen en schulden, voorgaande periode: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundReceivablesPayablesBreakdownPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundReceivablesPayablesBreakdownPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Beleggingen voor risico pensioenfonds: vorderingen en schulden: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Beleggingen voor risico pensioenfonds</label:label>
    <label:label id="kvk-lr-p-f_NotesInvestmentResultsCategoriesBreakdownPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesInvestmentResultsCategoriesBreakdownPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Beleggingsresultaten categorieën: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-f_NotesInvestmentResultsAssetManagementExpensesCategoriesBreakdownPreviousPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesInvestmentResultsAssetManagementExpensesCategoriesBreakdownPreviousPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Beleggingsresultaten: Kosten vermogensbeheer categorieën, voorgaande periode: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-f_NotesInvestmentResultsAssetManagementExpensesCategoriesBreakdownPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesInvestmentResultsAssetManagementExpensesCategoriesBreakdownPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Beleggingsresultaten: Kosten vermogensbeheer categorieën: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-f_NotesInvestmentResultsAssetManagementExpensesBreakdownPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesInvestmentResultsAssetManagementExpensesBreakdownPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Beleggingsresultaten: Kosten vermogensbeheer: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-f_NotesInvestmentResultsTransactionCostsBreakdownPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesInvestmentResultsTransactionCostsBreakdownPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Beleggingsresultaten: Transactiekosten: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-f_NotesInvestmentResultsBreakdownPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesInvestmentResultsBreakdownPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Beleggingsresultaten: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-f_NotesInvestmentsNetPensionArrangementsPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesInvestmentsNetPensionArrangementsPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Beleggingsresultaten: nettopensioenregelingen</label:label>
    <label:label id="kvk-lr-p-f_NotesInvestmentResultsPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesInvestmentResultsPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Beleggingsresultaten</label:label>
    <label:label id="kvk-lr-p-f_NotesDesignatedReserveMovementPreviousSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesDesignatedReserveMovementPreviousSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Bestemmingsreserve, voorgaande periode: Verloopoverzicht: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesDesignatedReserveMovementSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesDesignatedReserveMovementSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Bestemmingsreserve: Verloopoverzicht: specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesDesignatedReservesSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesDesignatedReservesSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Bestemmingsreserves: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesParticipatingInterestsMovementPreviousPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesParticipatingInterestsMovementPreviousPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Deelnemingen, voorgaande periode: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-p-f_NotesParticipatingInterestsOtherPreviousSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesParticipatingInterestsOtherPreviousSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Deelnemingen: Andere deelnemingen, voorgaande periode: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesParticipatingInterestsOtherMovementPreviousSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesParticipatingInterestsOtherMovementPreviousSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Deelnemingen: Andere deelnemingen, voorgaande periode: Verloopoverzicht: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesParticipatingInterestsOtherSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesParticipatingInterestsOtherSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Deelnemingen: Andere deelnemingen: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesParticipatingInterestsOtherMovementSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesParticipatingInterestsOtherMovementSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Deelnemingen: Andere deelnemingen: Verloopoverzicht: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesParticipatingInterestsBreakdownPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesParticipatingInterestsBreakdownPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Deelnemingen: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-f_NotesParticipatingInterestsMovementPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesParticipatingInterestsMovementPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Deelnemingen: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-p-f_NotesParticipatingInterestsPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesParticipatingInterestsPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Deelnemingen</label:label>
    <label:label id="kvk-lr-p-f_NotesSegmentReportingSpecificationByGeographyPensionFundsTotal_label_nl" xlink:label="kvk-lr-p-f_NotesSegmentReportingSpecificationByGeographyPensionFundsTotal_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Gesegmenteerde informatie: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesSegmentReportingSpecificationByGeographyPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesSegmentReportingSpecificationByGeographyPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Gesegmenteerde informatie: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesSegmentReportingSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesSegmentReportingSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Gesegmenteerde informatie: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesAccountingPrinciplesResultPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesAccountingPrinciplesResultPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Grondslagen voor de bepaling van het resultaat</label:label>
    <label:label id="kvk-lr-p-f_NotesAccountingPrinciplesAssetsLiabilitiesPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesAccountingPrinciplesAssetsLiabilitiesPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Grondslagen voor de waardering van activa en passiva</label:label>
    <label:label id="kvk-lr-p-f_NotesReinsuranceTechnicalProvisionsContractsSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesReinsuranceTechnicalProvisionsContractsSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Herverzekeringsdeel technische voorzieningen: Overige contracten herverzekering: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesReinsuranceTechnicalProvisionsReceivablesSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesReinsuranceTechnicalProvisionsReceivablesSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Herverzekeringsdeel technische voorzieningen: Overige vorderingen uit hoofde van herverzekeringsdeel technische voorzieningen: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesReinsurancePartTechnicalProvisionsBreakdownPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesReinsurancePartTechnicalProvisionsBreakdownPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Herverzekeringsdeel technische voorzieningen: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-f_NotesReinsurancePartTechnicalProvisionsMovementPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesReinsurancePartTechnicalProvisionsMovementPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Herverzekeringsdeel technische voorzieningen: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-p-f_NotesReinsurancePartTechnicalProvisionsPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesReinsurancePartTechnicalProvisionsPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Herverzekeringsdeel technische voorzieningen</label:label>
    <label:label id="kvk-lr-p-f_NotesChangeReinsurancePartTechnicalProvisionSpecificationPensionFundsTotal_label_nl" xlink:label="kvk-lr-p-f_NotesChangeReinsurancePartTechnicalProvisionSpecificationPensionFundsTotal_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Mutatie herverzekeringsdeel technische voorzieningen: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesChangeReinsurancePartTechnicalProvisionSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesChangeReinsurancePartTechnicalProvisionSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Mutatie herverzekeringsdeel technische voorzieningen: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesChangeReinsurancePartTechnicalProvisionPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesChangeReinsurancePartTechnicalProvisionPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Mutatie herverzekeringsdeel technische voorzieningen</label:label>
    <label:label id="kvk-lr-p-f_NotesChangeProvisionPensionObligationsOnBehalfOfParticipantsPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesChangeProvisionPensionObligationsOnBehalfOfParticipantsPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Mutatie voorziening pensioenverplichtingen voor risico deelnemers</label:label>
    <label:label id="kvk-lr-p-f_NotesChangeProvisionPensionObligationsOnBehalfOfPensionFundPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesChangeProvisionPensionObligationsOnBehalfOfPensionFundPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Mutatie voorziening pensioenverplichtingen voor risico pensioenfonds</label:label>
    <label:label id="kvk-lr-p-f_NotesReceivablesInsurancePoliciesNotDueCurrentAccountBreakdownPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesReceivablesInsurancePoliciesNotDueCurrentAccountBreakdownPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Niet direct uit lopende afrekeningen opeisbare vorderingen uit verzekeringspolissen: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-f_NotesReceivablesFromInsurancePoliciesNotImmediatelyDueFromCurrentAccountPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesReceivablesFromInsurancePoliciesNotImmediatelyDueFromCurrentAccountPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Niet direct uit lopende afrekeningen opeisbare vorderingen uit verzekeringspolissen</label:label>
    <label:label id="kvk-lr-p-f_NotesPayablesVPLArrangementsReceivedNotYetUtilisedPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesPayablesVPLArrangementsReceivedNotYetUtilisedPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Ontvangen middelen uit hoofde van VPL maar nog niet aangewend</label:label>
    <label:label id="kvk-lr-p-f_NotesTransfersOfRightsBalanceBreakdownPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesTransfersOfRightsBalanceBreakdownPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Overdrachten van rechten: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-f_NotesTransfersOfRightsBalancePensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesTransfersOfRightsBalancePensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Overdrachten van rechten</label:label>
    <label:label id="kvk-lr-p-f_NotesAssetsOtherOtherAssetsOtherSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesAssetsOtherOtherAssetsOtherSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Overige activa: Andere overige activa: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesAssetsOtherBreakdownPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesAssetsOtherBreakdownPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Overige activa: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-f_NotesAssetsOtherPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesAssetsOtherPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Overige activa</label:label>
    <label:label id="kvk-lr-p-f_NotesIncomeOtherPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesIncomeOtherPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Overige baten</label:label>
    <label:label id="kvk-lr-p-f_NotesExpensesOtherPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesExpensesOtherPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Overige lasten</label:label>
    <label:label id="kvk-lr-p-f_NotesLiabilitiesOtherBreakdownPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesLiabilitiesOtherBreakdownPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Overige schulden: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-f_NotesLiabilitiesOtherPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesLiabilitiesOtherPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Overige schulden</label:label>
    <label:label id="kvk-lr-p-f_NotesPensionBenefitsPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesPensionBenefitsPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Pensioenuitkeringen</label:label>
    <label:label id="kvk-lr-p-f_NotesPensionAdministrationExpensesBreakdownPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesPensionAdministrationExpensesBreakdownPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Pensioenuitvoeringskosten: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-f_NotesPensionAdministrationExpensesPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesPensionAdministrationExpensesPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Pensioenuitvoeringskosten</label:label>
    <label:label id="kvk-lr-p-f_NotesPremiumContributionsBreakdownPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesPremiumContributionsBreakdownPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Premiebijdragen: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-f_NotesPremiumContributionsPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesPremiumContributionsPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Premiebijdragen</label:label>
    <label:label id="kvk-lr-p-f_NotesRiskSectionRiskManagementDisclosurePensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesRiskSectionRiskManagementDisclosurePensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Risicoparagraaf: Beheersing van risico's</label:label>
    <label:label id="kvk-lr-p-f_NotesRiskSectionIndividualInvestmentAboveFivePercentSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesRiskSectionIndividualInvestmentAboveFivePercentSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Risicoparagraaf: Individuele belegging groter dan vijf procent: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesRiskSectionPensionObligationsPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesRiskSectionPensionObligationsPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Risicoparagraaf: Pensioenverplichtingen</label:label>
    <label:label id="kvk-lr-p-f_NotesRiskSectionInvestmentsSharesPortfolioCompositionByIndustrySpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesRiskSectionInvestmentsSharesPortfolioCompositionByIndustrySpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Risicoparagraaf: Samenstelling van de aandelenportefeuille naar bedrijfstak: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesRiskSectionInvestmentsSharesPortfolioCompositionByRegionSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesRiskSectionInvestmentsSharesPortfolioCompositionByRegionSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Risicoparagraaf: Samenstelling van de aandelenportefeuille naar regio: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesRiskSectionInvestmentsSharesPortfolioCompositionByCurrencySpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesRiskSectionInvestmentsSharesPortfolioCompositionByCurrencySpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Risicoparagraaf: Samenstelling van de aandelenportefeuille naar valuta: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesRiskSectionInvestmentPropertiesPortfolioCompositionByClassSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesRiskSectionInvestmentPropertiesPortfolioCompositionByClassSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Risicoparagraaf: Samenstelling van de beleggingsportefeuille van vastgoedbeleggingen naar categorie: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesRiskSectionInvestmentPropertiesPortfolioCompositionByRegionSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesRiskSectionInvestmentPropertiesPortfolioCompositionByRegionSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Risicoparagraaf: Samenstelling van de beleggingsportefeuille van vastgoedbeleggingen naar regio: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesRiskSectionInvestmentPropertiesPortfolioCompositionByCurrencySpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesRiskSectionInvestmentPropertiesPortfolioCompositionByCurrencySpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Risicoparagraaf: Samenstelling van de beleggingsportefeuille van vastgoedbeleggingen naar valuta: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesRiskSectionInvestmentsFixedIncomeSecuritiesPortfolioCompCreditRatingSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesRiskSectionInvestmentsFixedIncomeSecuritiesPortfolioCompCreditRatingSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Risicoparagraaf: Samenstelling van de vastrentende beleggingsportefeuille naar creditrating: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesRiskSectionInvestmentsFixedIncomeSecuritiesPortfolioCompositionByDurationSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesRiskSectionInvestmentsFixedIncomeSecuritiesPortfolioCompositionByDurationSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Risicoparagraaf: Samenstelling van de vastrentende beleggingsportefeuille naar looptijd: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesRiskSectionInvestmentsFixedIncomeSecuritiesPortfolioCompositionByCurrencySpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesRiskSectionInvestmentsFixedIncomeSecuritiesPortfolioCompositionByCurrencySpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Risicoparagraaf: Samenstelling van de vastrentende beleggingsportefeuille naar valuta: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesRiskSectionInvestmentsPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesRiskSectionInvestmentsPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Risicoparagraaf: Toelichting beleggingen</label:label>
    <label:label id="kvk-lr-p-f_NotesFoundationCapitalAndReservesRequiredEquityBreakdownPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesFoundationCapitalAndReservesRequiredEquityBreakdownPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Stichtingskapitaal en reserves - vereist eigen vermogen: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-f_NotesFoundationCapitalAndReservesMovementPreviousPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesFoundationCapitalAndReservesMovementPreviousPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Stichtingskapitaal en reserves, voorgaande periode: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-p-f_NotesFoundationCapitalAndReservesMovementPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesFoundationCapitalAndReservesMovementPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Stichtingskapitaal en reserves: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-p-f_NotesFoundationCapitalAndReservesPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesFoundationCapitalAndReservesPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Stichtingskapitaal en reserves</label:label>
    <label:label id="kvk-lr-p-f_NotesTechnicalProvisionsOtherMovementPreviousSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesTechnicalProvisionsOtherMovementPreviousSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Technische voorzieningen overig, voorgaande periode: Verloopoverzicht: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesTechnicalProvisionsOtherMovementSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesTechnicalProvisionsOtherMovementSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Technische voorzieningen overig: Verloopoverzicht: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesTechnicalProvisionsTechnicalProvisionsOtherSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesTechnicalProvisionsTechnicalProvisionsOtherSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Technische voorzieningen: Overige technische voorzieningen: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesTechnicalProvisionsBreakdownPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesTechnicalProvisionsBreakdownPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Technische voorzieningen: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-f_NotesTechnicalProvisionsPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesTechnicalProvisionsPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Technische voorzieningen</label:label>
    <label:label id="kvk-lr-p-f_NotesInsurancePoliciesCurrentAccountSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesInsurancePoliciesCurrentAccountSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Verzekeringspolissen: Overige niet direct uit lopende afrekeningen opeisbare vorderingen uit verzekeringspolissen: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesProvisionPensionObligationsOnBehalfOfParticipantsMovementPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesProvisionPensionObligationsOnBehalfOfParticipantsMovementPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Voorziening pensioenverplichtingen voor risico deelnemers: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-p-f_NotesProvisionPensionObligationsOnBehalfOfParticipantsPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesProvisionPensionObligationsOnBehalfOfParticipantsPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Voorziening pensioenverplichtingen voor risico deelnemers</label:label>
    <label:label id="kvk-lr-p-f_NotesProvisionPensionNumberParticipantsPreviousSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesProvisionPensionNumberParticipantsPreviousSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Voorziening pensioenverplichtingen voor risico pensioenfonds aantal deelnemers: Aantal overige deelnemers, voorgaande periode: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesProvisionPensionNumberParticipantsSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesProvisionPensionNumberParticipantsSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Voorziening pensioenverplichtingen voor risico pensioenfonds aantal deelnemers: Aantal overige deelnemers: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesProvisionPensionObligationsPensionFundNumberParticipantsBreakdownPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesProvisionPensionObligationsPensionFundNumberParticipantsBreakdownPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Voorziening pensioenverplichtingen voor risico pensioenfonds aantal deelnemers: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-f_NotesProvisionPensionObligationsBehalfPensionFundParticipantsBreakdownPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesProvisionPensionObligationsBehalfPensionFundParticipantsBreakdownPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Voorziening pensioenverplichtingen voor risico pensioenfonds deelnemers: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-f_NotesProvisionPensionObligationsOnBehalfOfPensionFundMovementPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesProvisionPensionObligationsOnBehalfOfPensionFundMovementPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Voorziening pensioenverplichtingen voor risico pensioenfonds: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-p-f_NotesProvisionsSpreadingCapacitySpecificiationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesProvisionsSpreadingCapacitySpecificiationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Voorziening pensioenverplichtingen: Spreidingsvermogen: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesProvisionsPayoutCapacitySpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesProvisionsPayoutCapacitySpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Voorziening pensioenverplichtingen: Uitkeringsvermogen: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesProvisionsOtherBreakdownMaturityPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesProvisionsOtherBreakdownMaturityPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Voorzieningen overig: Looptijd</label:label>
    <label:label id="kvk-lr-p-f_NotesProvisionsOtherProvisionsOtherMovementPreviousSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesProvisionsOtherProvisionsOtherMovementPreviousSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Voorzieningen overig: Overige voorzieningen, voorgaande periode: Verloopoverzicht: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesProvisionsOtherProvisionsOtherSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesProvisionsOtherProvisionsOtherSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Voorzieningen overig: Overige voorzieningen: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesProvisionsOtherProvisionsOtherMovementSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesProvisionsOtherProvisionsOtherMovementSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Voorzieningen overig: Overige voorzieningen: Verloopoverzicht: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesProvisionsOtherBreakdownPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesProvisionsOtherBreakdownPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Voorzieningen overig: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-f_NotesProvisionsOtherPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesProvisionsOtherPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Voorzieningen overig</label:label>
    <label:label id="kvk-lr-p-f_NotesProvisionsOtherMovementPreviousPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesProvisionsOtherMovementPreviousPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Voorzieningen, voorgaande periode: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-p-f_NotesProvisionsOtherMovementPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesProvisionsOtherMovementPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Voorzieningen: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-p-f_NotesReceivablesAndPrepaymentsReceivablesOtherSpecificationPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesReceivablesAndPrepaymentsReceivablesOtherSpecificationPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Vorderingen en overlopende activa: Overige vorderingen: Specificatie</label:label>
    <label:label id="kvk-lr-p-f_NotesReceivablesAndPrepaymentsBreakdownMaturityPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesReceivablesAndPrepaymentsBreakdownMaturityPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Vorderingen en overlopende activa: Uitsplitsing looptijd</label:label>
    <label:label id="kvk-lr-p-f_NotesReceivablesAndPrepaymentsBreakdownPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesReceivablesAndPrepaymentsBreakdownPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Vorderingen en overlopende activa: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-f_NotesReceivablesAndPrepaymentsPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesReceivablesAndPrepaymentsPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Vorderingen en overlopende activa</label:label>
    <label:label id="kvk-lr-p-f_NotesLegalStatutoryReservesBreakdownPensionFunds_label_nl" xlink:label="kvk-lr-p-f_NotesLegalStatutoryReservesBreakdownPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Wettelijke en statutaire reserves: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-f_ProvisionPensionObligationsOnBehalfOfParticipantsMovementPensionFunds_label_nl" xlink:label="kvk-lr-p-f_ProvisionPensionObligationsOnBehalfOfParticipantsMovementPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Voorziening pensioenverplichtingen voor risico deelnemers: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-p-f_ProvisionPensionObligationsOnBehalfOfPensionFundMovementPensionFunds_label_nl" xlink:label="kvk-lr-p-f_ProvisionPensionObligationsOnBehalfOfPensionFundMovementPensionFunds_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Voorziening pensioenverplichtingen voor risico pensioenfonds: Verloopoverzicht</label:label>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_BalanceSheetPensionFunds" xlink:label="kvk-lr-p-f_BalanceSheetPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_CashFlowStatementPensionFunds" xlink:label="kvk-lr-p-f_CashFlowStatementPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_ClassesOfFoundationCapitalAndReservesPensionFunds" xlink:label="kvk-lr-p-f_ClassesOfFoundationCapitalAndReservesPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_ClassesOfInvestmentsOnBehalfOfParticipantsPensionFunds" xlink:label="kvk-lr-p-f_ClassesOfInvestmentsOnBehalfOfParticipantsPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_ClassesOfInvestmentsOnBehalfOfPensionFundBreakdownReceivablesPayablesPensionFunds" xlink:label="kvk-lr-p-f_ClassesOfInvestmentsOnBehalfOfPensionFundBreakdownReceivablesPayablesPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_ClassesOfInvestmentsOnBehalfOfPensionFunds" xlink:label="kvk-lr-p-f_ClassesOfInvestmentsOnBehalfOfPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_ClassesOfInvestmentsPensionFunds" xlink:label="kvk-lr-p-f_ClassesOfInvestmentsPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_ClassesOfParticipatingInterestsPensionFunds" xlink:label="kvk-lr-p-f_ClassesOfParticipatingInterestsPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_ClassesOfProvisionsOtherPensionFunds" xlink:label="kvk-lr-p-f_ClassesOfProvisionsOtherPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_ComponentsOfPensionObligationsParticipantsPensionFunds" xlink:label="kvk-lr-p-f_ComponentsOfPensionObligationsParticipantsPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_ConsolidatedBalanceSheetPensionFunds" xlink:label="kvk-lr-p-f_ConsolidatedBalanceSheetPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_ConsolidatedCashFlowStatementPensionFunds" xlink:label="kvk-lr-p-f_ConsolidatedCashFlowStatementPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_ConsolidatedIncomeExpensesStatementAppropriationBalanceIncomeExpensesPensionFunds" xlink:label="kvk-lr-p-f_ConsolidatedIncomeExpensesStatementAppropriationBalanceIncomeExpensesPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_ConsolidatedIncomeExpensesStatementPensionFunds" xlink:label="kvk-lr-p-f_ConsolidatedIncomeExpensesStatementPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_IncomeExpensesStatementAppropriationBalanceIncomeExpensesPensionFunds" xlink:label="kvk-lr-p-f_IncomeExpensesStatementAppropriationBalanceIncomeExpensesPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_IncomeExpensesStatementPensionFunds" xlink:label="kvk-lr-p-f_IncomeExpensesStatementPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesAccountingPrinciplesAssetsLiabilitiesPensionFunds" xlink:label="kvk-lr-p-f_NotesAccountingPrinciplesAssetsLiabilitiesPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesAccountingPrinciplesResultPensionFunds" xlink:label="kvk-lr-p-f_NotesAccountingPrinciplesResultPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesAssetsOtherBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesAssetsOtherBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesAssetsOtherOtherAssetsOtherSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesAssetsOtherOtherAssetsOtherSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesAssetsOtherPensionFunds" xlink:label="kvk-lr-p-f_NotesAssetsOtherPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesChangeProvisionPensionObligationsOnBehalfOfParticipantsPensionFunds" xlink:label="kvk-lr-p-f_NotesChangeProvisionPensionObligationsOnBehalfOfParticipantsPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesChangeProvisionPensionObligationsOnBehalfOfPensionFundPensionFunds" xlink:label="kvk-lr-p-f_NotesChangeProvisionPensionObligationsOnBehalfOfPensionFundPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesChangeReinsurancePartTechnicalProvisionPensionFunds" xlink:label="kvk-lr-p-f_NotesChangeReinsurancePartTechnicalProvisionPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesChangeReinsurancePartTechnicalProvisionSpecificationPensionFundsTotal" xlink:label="kvk-lr-p-f_NotesChangeReinsurancePartTechnicalProvisionSpecificationPensionFundsTotal_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesChangeReinsurancePartTechnicalProvisionSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesChangeReinsurancePartTechnicalProvisionSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedAccountingPrinciplesAssetsLiabilitiesPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedAccountingPrinciplesAssetsLiabilitiesPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedAccountingPrinciplesResultPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedAccountingPrinciplesResultPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedAssetsOtherBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedAssetsOtherBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedAssetsOtherOtherAssetsOtherSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedAssetsOtherOtherAssetsOtherSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedAssetsOtherPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedAssetsOtherPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedChangeProvisionPensionObligationsOnBehalfOfParticipantsPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedChangeProvisionPensionObligationsOnBehalfOfParticipantsPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedChangeProvisionPensionObligationsOnBehalfOfPensionFundPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedChangeProvisionPensionObligationsOnBehalfOfPensionFundPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedChangeReinsurancePartTechnicalProvisionPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedChangeReinsurancePartTechnicalProvisionPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedChangeReinsurancePartTechnicalProvisionSpecificationPensionFundsTotal" xlink:label="kvk-lr-p-f_NotesConsolidatedChangeReinsurancePartTechnicalProvisionSpecificationPensionFundsTotal_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedChangeReinsurancePartTechnicalProvisionSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedChangeReinsurancePartTechnicalProvisionSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedExpensesOtherPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedExpensesOtherPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedIncomeOtherPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedIncomeOtherPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInsurancePoliciesCurrentAccountSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedInsurancePoliciesCurrentAccountSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInvestmentResultsAssetManagementExpensesBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentResultsAssetManagementExpensesBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInvestmentResultsAssetManagementExpensesCategoriesBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentResultsAssetManagementExpensesCategoriesBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInvestmentResultsAssetManagementExpensesCategoriesBreakdownPreviousPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentResultsAssetManagementExpensesCategoriesBreakdownPreviousPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInvestmentResultsBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentResultsBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInvestmentResultsCategoriesBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentResultsCategoriesBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInvestmentResultsPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentResultsPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInvestmentResultsTransactionCostsBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentResultsTransactionCostsBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInvestmentsNetPensionArrangementsPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsNetPensionArrangementsPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsFundOtherMovementSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsFundOtherMovementSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsFundOtherSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsFundOtherSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsMovementPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsMovementPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsMovementPreviousPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsMovementPreviousPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundInvestmentsOtherSpecificationPensionFundsTotal" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundInvestmentsOtherSpecificationPensionFundsTotal_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundInvestmentsOtherSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundInvestmentsOtherSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundMovementPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundMovementPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundMovementPreviousPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundMovementPreviousPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundOtherMovementPreviousSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundOtherMovementPreviousSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundOtherMovementSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundOtherMovementSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundOtherSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundOtherSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundReceivablesPayablesBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundReceivablesPayablesBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundReceivablesPayablesBreakdownPreviousPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundReceivablesPayablesBreakdownPreviousPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedLiabilitiesOtherBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedLiabilitiesOtherBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedLiabilitiesOtherPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedLiabilitiesOtherPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedParticipatingInterestsBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedParticipatingInterestsBreakdownPensionFunds_loc" xlink:type="locator"/>
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