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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-p-i_NotesOtherLiabilitiesAndAccruedLiabilitiesSpecificationPremiumPensionInstitutions_loc" xlink:to="kvk-lr-p-p-i_NotesOtherLiabilitiesAndAccruedLiabilitiesSpecificationPremiumPensionInstitutions_label_fr" xlink:type="arc"/>
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    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-p-i_NotesReceivablesAndPrepaymentsPremiumPensionInstitutions_loc" xlink:to="kvk-lr-p-p-i_NotesReceivablesAndPrepaymentsPremiumPensionInstitutions_label_fr" xlink:type="arc"/>
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    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-p-i_NotesReceivablesBreakdownMaturityPremiumPensionInstitutions_loc" xlink:to="kvk-lr-p-p-i_NotesReceivablesBreakdownMaturityPremiumPensionInstitutions_label_fr" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-p-i_NotesReimbursementActivitiesInvestmentsPremiumPensionInstitutions_loc" xlink:to="kvk-lr-p-p-i_NotesReimbursementActivitiesInvestmentsPremiumPensionInstitutions_label_fr" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-p-i_NotesSumOfTransferTakenPensionObligationsPremiumPensionInstitutions_loc" xlink:to="kvk-lr-p-p-i_NotesSumOfTransferTakenPensionObligationsPremiumPensionInstitutions_label_fr" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-p-i_NotesSumOfTransferTransferredPensionObligationsPremiumPensionInstitutions_loc" xlink:to="kvk-lr-p-p-i_NotesSumOfTransferTransferredPensionObligationsPremiumPensionInstitutions_label_fr" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-p-i_ReportOfTheManagementBoardPremiumPensionInstitutions_loc" xlink:to="kvk-lr-p-p-i_ReportOfTheManagementBoardPremiumPensionInstitutions_label_fr" xlink:type="arc"/>
    <label:label id="kvk-lr-p-p-i_NotesAssetsOtherAssetsOtherSpecificationPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesAssetsOtherAssetsOtherSpecificationPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Annexe aux comptes annuels - Autres actifs: Autres actifs: Spécification</label:label>
    <label:label id="kvk-lr-p-p-i_NotesReceivablesAndPrepaymentsBreakdownPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesReceivablesAndPrepaymentsBreakdownPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Annexe aux comptes annuels - Autres créances et produits à recevoir: Ventilation</label:label>
    <label:label id="kvk-lr-p-p-i_NotesReceivablesAndPrepaymentsPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesReceivablesAndPrepaymentsPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Annexe aux comptes annuels - Autres créances et produits à recevoir</label:label>
    <label:label id="kvk-lr-p-p-i_NotesOtherLiabilitiesAndAccruedLiabilitiesSpecificationPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesOtherLiabilitiesAndAccruedLiabilitiesSpecificationPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Annexe aux comptes annuels - Autres passifs: Autres passifs: Spécification</label:label>
    <label:label id="kvk-lr-p-p-i_NotesReceivablesAndPrepaymentsReceivablesOtherSpecificationPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesReceivablesAndPrepaymentsReceivablesOtherSpecificationPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Annexe aux comptes annuels - Créances et produits à recevoir: Autres courantes: Spécification</label:label>
    <label:label id="kvk-lr-p-p-i_NotesReceivablesBreakdownMaturityPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesReceivablesBreakdownMaturityPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Annexe aux comptes annuels - Créances: Ventilation par période couverte</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedEquityPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedEquityPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Annexe aux comptes annuels - Fonds propres</label:label>
    <label:label id="kvk-lr-p-p-i_NotesEquityPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesEquityPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Annexe aux comptes annuels - Fonds propres</label:label>
    <label:label id="kvk-lr-p-p-i_NotesSumOfTransferTakenPensionObligationsPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesSumOfTransferTakenPensionObligationsPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Annexe aux comptes annuels - Montant de transfert des obligations de pension assumées les institutions de retraite premium</label:label>
    <label:label id="kvk-lr-p-p-i_NotesReimbursementActivitiesInvestmentsPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesReimbursementActivitiesInvestmentsPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Annexe aux comptes annuels - Remboursement des coûts des activités d'investissement les institutions de retraite premium</label:label>
    <label:label id="kvk-lr-p-p-i_NotesSumOfTransferTransferredPensionObligationsPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesSumOfTransferTransferredPensionObligationsPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Annexe aux comptes annuels - Virement transféré passif de pension les institutions de retraite premium</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedAssetsOtherAssetsOtherSpecificationPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedAssetsOtherAssetsOtherSpecificationPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Annexe aux comptes annuels consolidés - Autres actifs: Autres actifs: Spécification</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedReceivablesAndPrepaymentsBreakdownPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedReceivablesAndPrepaymentsBreakdownPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Annexe aux comptes annuels consolidés - Autres créances et produits à recevoir: Ventilation</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedReceivablesAndPrepaymentsPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedReceivablesAndPrepaymentsPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Annexe aux comptes annuels consolidés - Autres créances et produits à recevoir</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedOtherLiabilitiesAndAccruedLiabilitiesSpecificationPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedOtherLiabilitiesAndAccruedLiabilitiesSpecificationPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Annexe aux comptes annuels consolidés - Autres passifs: Autres passifs: Spécification</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedReceivablesAndPrepaymentsReceivablesOtherSpecificationPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedReceivablesAndPrepaymentsReceivablesOtherSpecificationPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Annexe aux comptes annuels consolidés - Créances et produits à recevoir: Autres courantes: Spécification</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedReceivablesBreakdownMaturityPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedReceivablesBreakdownMaturityPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Annexe aux comptes annuels consolidés - Créances: Ventilation par période couverte</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedSumOfTransferTakenPensionObligationsPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedSumOfTransferTakenPensionObligationsPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Annexe aux comptes annuels consolidés - Montant de transfert des obligations de pension assumées les institutions de retraite premium</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedReimbursementActivitiesInvestmentsPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedReimbursementActivitiesInvestmentsPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Annexe aux comptes annuels consolidés - Remboursement des coûts des activités d'investissement les institutions de retraite premium</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedSumOfTransferTransferredPensionObligationsPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedSumOfTransferTransferredPensionObligationsPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Annexe aux comptes annuels consolidés - Virement transféré passif de pension les institutions de retraite premium</label:label>
    <label:label id="kvk-lr-p-p-i_ConsolidatedBalanceSheetPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_ConsolidatedBalanceSheetPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Bilan consolidé</label:label>
    <label:label id="kvk-lr-p-p-i_BalanceSheetPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_BalanceSheetPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Bilan</label:label>
    <label:label id="kvk-lr-p-p-i_ClassesOfInvestmentsParticipantsPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_ClassesOfInvestmentsParticipantsPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Catégories d'investissements</label:label>
    <label:label id="kvk-lr-p-p-i_ClassesOfInvestmentsPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_ClassesOfInvestmentsPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Catégories d'investissements</label:label>
    <label:label id="kvk-lr-p-p-i_ClassesOfObligationsOnBehalfOfParticipantsPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_ClassesOfObligationsOnBehalfOfParticipantsPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Catégories d'obligations pour les participants au risque</label:label>
    <label:label id="kvk-lr-p-p-i_ConsolidatedIncomeStatementPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_ConsolidatedIncomeStatementPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Compte de pertes et profits consolidés les institutions de retraite premium</label:label>
    <label:label id="kvk-lr-p-p-i_IncomeStatementPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_IncomeStatementPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Compte de pertes et profits consolidés les institutions de retraite premium</label:label>
    <label:label id="kvk-lr-p-p-i_ConsolidatedIncomeStatementParticipantsPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_ConsolidatedIncomeStatementParticipantsPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Compte de pertes et profits consolidés les participants</label:label>
    <label:label id="kvk-lr-p-p-i_IncomeStatementParticipantsPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_IncomeStatementParticipantsPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Compte de pertes et profits les participants</label:label>
    <label:label id="kvk-lr-p-p-i_NotesOtherAssetsPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesOtherAssetsPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Autres actifs les institutions de retraite premium</label:label>
    <label:label id="kvk-lr-p-p-i_NotesExpensesOtherPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesExpensesOtherPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Autres charges</label:label>
    <label:label id="kvk-lr-p-p-i_NotesOtherLiabilitiesAndAccruedLiabilitiesBreakdownPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesOtherLiabilitiesAndAccruedLiabilitiesBreakdownPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Autres passifs les institutions de retraite premium: Répartition</label:label>
    <label:label id="kvk-lr-p-p-i_NotesOtherLiabilitiesAndAccruedLiabilitiesPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesOtherLiabilitiesAndAccruedLiabilitiesPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Autres passifs les institutions de retraite premium</label:label>
    <label:label id="kvk-lr-p-p-i_NotesIncomeOtherPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesIncomeOtherPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Autres produits</label:label>
    <label:label id="kvk-lr-p-p-i_NotesOtherReimbursementsPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesOtherReimbursementsPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Autres remboursements de dépenses les institutions de retraite premium</label:label>
    <label:label id="kvk-lr-p-p-i_NotesExpirationCapitalPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesExpirationCapitalPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Capital expiratoire les institutions de retraite premium</label:label>
    <label:label id="kvk-lr-p-p-i_NotesPremiumContributionsPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesPremiumContributionsPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Cotisations</label:label>
    <label:label id="kvk-lr-p-p-i_NotesPensionAdminstrationExpensesPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesPensionAdminstrationExpensesPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Coûts de gestion des retraites</label:label>
    <label:label id="kvk-lr-p-p-i_NotesDeductedManagementFeesAndOtherFeesPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesDeductedManagementFeesAndOtherFeesPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Frais de gestion conservés et autres frais les institutions de retraite premium</label:label>
    <label:label id="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfMovementPreviousPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfMovementPreviousPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Investissements au risque des institutions de retraite premium, période écoulée: Aperçu du déroulement</label:label>
    <label:label id="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfPremiumPensionInstitutionsMovementPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfPremiumPensionInstitutionsMovementPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Investissements au risque des institutions de retraite premium: Aperçu du déroulement</label:label>
    <label:label id="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfPremiumPensionInstitutionsBreakdownPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfPremiumPensionInstitutionsBreakdownPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Investissements au risque des institutions de retraite premium: Répartition</label:label>
    <label:label id="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Investissements au risque des institutions de retraite premium</label:label>
    <label:label id="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfParticipantsMovementPreviousPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfParticipantsMovementPreviousPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Investissements au risque des participants, période écoulée: Aperçu du déroulement</label:label>
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    <label:label id="kvk-lr-p-p-i_NotesAccountingPrinciplesResultPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesAccountingPrinciplesResultPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - politique relative à la détermination du résultat</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedOtherAssetsPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedOtherAssetsPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Autres actifs les institutions de retraite premium</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedExpensesOtherPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedExpensesOtherPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Autres charges</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedOtherLiabilitiesAndAccruedLiabilitiesBreakdownPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedOtherLiabilitiesAndAccruedLiabilitiesBreakdownPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Autres passifs les institutions de retraite premium: Répartition</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedOtherLiabilitiesAndAccruedLiabilitiesPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedOtherLiabilitiesAndAccruedLiabilitiesPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Autres passifs les institutions de retraite premium</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedIncomeOtherPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedIncomeOtherPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Autres produits</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedOtherReimbursementsPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedOtherReimbursementsPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Autres remboursements de dépenses les institutions de retraite premium</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedExpirationCapitalPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedExpirationCapitalPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Capital expiratoire les institutions de retraite premium</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedPremiumContributionsPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedPremiumContributionsPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Cotisations</label:label>
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    <label:label id="kvk-lr-p-p-i_NotesConsolidatedDeductedManagementFeesAndOtherFeesPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedDeductedManagementFeesAndOtherFeesPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Frais de gestion conservés et autres frais les institutions de retraite premium</label:label>
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