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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_NotesReceivablesAndPrepaymentsBreakdownPremiumPensionInstitutions_loc" xlink:to="kvk-lr-p-p-i_NotesReceivablesAndPrepaymentsBreakdownPremiumPensionInstitutions_label_nl" 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_NotesSumOfTransferTransferredPensionObligationsPremiumPensionInstitutions_loc" xlink:to="kvk-lr-p-p-i_NotesSumOfTransferTransferredPensionObligationsPremiumPensionInstitutions_label_nl" 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_nl" xlink:type="arc"/>
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    <label:label id="kvk-lr-p-p-i_ReportOfTheManagementBoardPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_ReportOfTheManagementBoardPremiumPensionInstitutions_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-p-i_ClassesOfInvestmentsParticipantsPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_ClassesOfInvestmentsParticipantsPremiumPensionInstitutions_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-p-i_ClassesOfInvestmentsPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_ClassesOfInvestmentsPremiumPensionInstitutions_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-p-i_ClassesOfObligationsOnBehalfOfParticipantsPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_ClassesOfObligationsOnBehalfOfParticipantsPremiumPensionInstitutions_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Categorieën van verplichtingen voor risico deelnemers</label:label>
    <label:label id="kvk-lr-p-p-i_ConsolidatedBalanceSheetPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_ConsolidatedBalanceSheetPremiumPensionInstitutions_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-p-i_ConsolidatedIncomeStatementPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_ConsolidatedIncomeStatementPremiumPensionInstitutions_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Geconsolideerde winst-en-verliesrekening PPI</label:label>
    <label:label id="kvk-lr-p-p-i_ConsolidatedIncomeStatementParticipantsPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_ConsolidatedIncomeStatementParticipantsPremiumPensionInstitutions_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Geconsolideerde winst-en-verliesrekening voor risico deelnemers</label:label>
    <label:label id="kvk-lr-p-p-i_NotesAccountingPrinciplesAssetsLiabilitiesPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesAccountingPrinciplesAssetsLiabilitiesPremiumPensionInstitutions_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de enkelvoudige jaarrekening - Grondslagen voor de waardering van activa en passiva</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfParticipantsMovementPreviousPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfParticipantsMovementPreviousPremiumPensionInstitutions_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-p-i_NotesConsolidatedInvestmentsOnBehalfOfParticipantsBreakdownPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfParticipantsBreakdownPremiumPensionInstitutions_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-p-i_NotesConsolidatedInvestmentsOnBehalfOfParticipantsMovementPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfParticipantsMovementPremiumPensionInstitutions_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-p-i_NotesConsolidatedInvestmentsOnBehalfOfParticipantsPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfParticipantsPremiumPensionInstitutions_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-p-i_NotesConsolidatedInvestmentsOnBehalfOfMovementPreviousPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfMovementPreviousPremiumPensionInstitutions_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 premiepensioeninstellingen, voorgaande periode: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfBreakdownPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfBreakdownPremiumPensionInstitutions_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 premiepensioeninstellingen: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfMovementPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfMovementPremiumPensionInstitutions_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 premiepensioeninstellingen: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfPremiumPensionInstitutions_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 premiepensioeninstellingen</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedInvestmentResultsCategoriesBreakdownPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesConsolidatedInvestmentResultsCategoriesBreakdownPremiumPensionInstitutions_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-p-i_NotesConsolidatedInvestmentResultsOnBehalfOfParticipantsBreakdownPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesConsolidatedInvestmentResultsOnBehalfOfParticipantsBreakdownPremiumPensionInstitutions_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-p-i_NotesConsolidatedEquityPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesConsolidatedEquityPremiumPensionInstitutions_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Eigen vermogen</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedExpirationCapitalPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesConsolidatedExpirationCapitalPremiumPensionInstitutions_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Expiratiekapitaal premiepensioeninstellingen</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedAccountingPrinciplesResultPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesConsolidatedAccountingPrinciplesResultPremiumPensionInstitutions_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-p-i_NotesConsolidatedAccountingPrinciplesAssetsLiabilitiesPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesConsolidatedAccountingPrinciplesAssetsLiabilitiesPremiumPensionInstitutions_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-p-i_NotesConsolidatedDeductedManagementFeesAndOtherFeesPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesConsolidatedDeductedManagementFeesAndOtherFeesPremiumPensionInstitutions_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Ingehouden beheervergoedingen en andere vergoedingen premiepensioeninstellingen</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedReimbursementActivitiesInvestmentsPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesConsolidatedReimbursementActivitiesInvestmentsPremiumPensionInstitutions_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Kostenvergoedingen beleggingsactiviteiten premiepensioeninstellingen</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedChangeProvisionPensionObligationsOnBehalfOfParticipantsPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesConsolidatedChangeProvisionPensionObligationsOnBehalfOfParticipantsPremiumPensionInstitutions_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-p-i_NotesConsolidatedSumOfTransferTransferredPensionObligationsPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesConsolidatedSumOfTransferTransferredPensionObligationsPremiumPensionInstitutions_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Overdrachtssom overgedragen pensioenverplichtingen premiepensioeninstellingen</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedSumOfTransferTakenPensionObligationsPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesConsolidatedSumOfTransferTakenPensionObligationsPremiumPensionInstitutions_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Overdrachtssom overgenomen pensioenverplichtingen premiepensioeninstellingen</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedOtherAssetsPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesConsolidatedOtherAssetsPremiumPensionInstitutions_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Overige activa premiepensioeninstellingen</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedAssetsOtherAssetsOtherSpecificationPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesConsolidatedAssetsOtherAssetsOtherSpecificationPremiumPensionInstitutions_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Overige activa: Overige activa: Specificatie</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedIncomeOtherPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesConsolidatedIncomeOtherPremiumPensionInstitutions_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-p-i_NotesConsolidatedOtherReimbursementsPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesConsolidatedOtherReimbursementsPremiumPensionInstitutions_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Overige kostenvergoedingen premiepensioeninstellingen</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedExpensesOtherPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesConsolidatedExpensesOtherPremiumPensionInstitutions_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-p-i_NotesConsolidatedOtherLiabilitiesAndAccruedLiabilitiesBreakdownPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesConsolidatedOtherLiabilitiesAndAccruedLiabilitiesBreakdownPremiumPensionInstitutions_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Overige schulden en overlopende passiva premiepensioeninstellingen: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedOtherLiabilitiesAndAccruedLiabilitiesPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesConsolidatedOtherLiabilitiesAndAccruedLiabilitiesPremiumPensionInstitutions_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Overige schulden en overlopende passiva premiepensioeninstellingen</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedOtherLiabilitiesAndAccruedLiabilitiesSpecificationPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesConsolidatedOtherLiabilitiesAndAccruedLiabilitiesSpecificationPremiumPensionInstitutions_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Overige schulden en overlopende passiva: Overige schulden: Specificatie</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedPensionAdministrationExpensesPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesConsolidatedPensionAdministrationExpensesPremiumPensionInstitutions_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-p-i_NotesConsolidatedPremiumContributionsPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesConsolidatedPremiumContributionsPremiumPensionInstitutions_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-p-i_NotesConsolidatedObligationsOnBehalfOfParticipantsMovementPreviousPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesConsolidatedObligationsOnBehalfOfParticipantsMovementPreviousPremiumPensionInstitutions_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Verplichtingen voor risico deelnemers, voorgaande periode: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedObligationsOnBehalfOfParticipantsMovementPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesConsolidatedObligationsOnBehalfOfParticipantsMovementPremiumPensionInstitutions_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Verplichtingen voor risico deelnemers: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedObligationsOnBehalfOfParticipantsPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesConsolidatedObligationsOnBehalfOfParticipantsPremiumPensionInstitutions_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Verplichtingen voor risico deelnemers</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedReceivablesAndPrepaymentsReceivablesOtherSpecificationPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesConsolidatedReceivablesAndPrepaymentsReceivablesOtherSpecificationPremiumPensionInstitutions_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: Kortlopende overige vorderingen: Specificatie</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedReceivablesAndPrepaymentsBreakdownPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesConsolidatedReceivablesAndPrepaymentsBreakdownPremiumPensionInstitutions_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-p-i_NotesConsolidatedReceivablesAndPrepaymentsPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesConsolidatedReceivablesAndPrepaymentsPremiumPensionInstitutions_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-p-i_NotesConsolidatedReceivablesBreakdownMaturityPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesConsolidatedReceivablesBreakdownMaturityPremiumPensionInstitutions_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de geconsolideerde jaarrekening - Vorderingen: Uitsplitsing looptijd</label:label>
    <label:label id="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfParticipantsMovementPreviousPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfParticipantsMovementPreviousPremiumPensionInstitutions_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-p-i_NotesInvestmentsOnBehalfOfParticipantsBreakdownPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfParticipantsBreakdownPremiumPensionInstitutions_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-p-i_NotesInvestmentsOnBehalfOfParticipantsMovementPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfParticipantsMovementPremiumPensionInstitutions_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-p-i_NotesInvestmentsOnBehalfOfParticipantsPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfParticipantsPremiumPensionInstitutions_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-p-i_NotesInvestmentsOnBehalfOfMovementPreviousPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfMovementPreviousPremiumPensionInstitutions_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Beleggingen voor risico premiepensioeninstellingen, voorgaande periode: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfPremiumPensionInstitutionsBreakdownPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfPremiumPensionInstitutionsBreakdownPremiumPensionInstitutions_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Beleggingen voor risico premiepensioeninstellingen: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfPremiumPensionInstitutionsMovementPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfPremiumPensionInstitutionsMovementPremiumPensionInstitutions_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Beleggingen voor risico premiepensioeninstellingen: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfPremiumPensionInstitutions_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Beleggingen voor risico premiepensioeninstellingen</label:label>
    <label:label id="kvk-lr-p-p-i_NotesInvestmentResultsCategoriesBreakdownPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesInvestmentResultsCategoriesBreakdownPremiumPensionInstitutions_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-p-i_NotesInvestmentResultsBreakdownPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesInvestmentResultsBreakdownPremiumPensionInstitutions_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-p-i_NotesEquityPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesEquityPremiumPensionInstitutions_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Eigen vermogen</label:label>
    <label:label id="kvk-lr-p-p-i_NotesExpirationCapitalPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesExpirationCapitalPremiumPensionInstitutions_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Expiratiekapitaal premiepensioeninstellingen</label:label>
    <label:label id="kvk-lr-p-p-i_NotesAccountingPrinciplesResultPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesAccountingPrinciplesResultPremiumPensionInstitutions_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-p-i_NotesDeductedManagementFeesAndOtherFeesPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesDeductedManagementFeesAndOtherFeesPremiumPensionInstitutions_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Ingehouden beheervergoedingen en andere vergoedingen premiepensioeninstellingen</label:label>
    <label:label id="kvk-lr-p-p-i_NotesReimbursementActivitiesInvestmentsPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesReimbursementActivitiesInvestmentsPremiumPensionInstitutions_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Kostenvergoedingen beleggingsactiviteiten premiepensioeninstellingen</label:label>
    <label:label id="kvk-lr-p-p-i_NotesChangeProvisionPensionObligationsOnBehalfOfParticipantsPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesChangeProvisionPensionObligationsOnBehalfOfParticipantsPremiumPensionInstitutions_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-p-i_NotesSumOfTransferTransferredPensionObligationsPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesSumOfTransferTransferredPensionObligationsPremiumPensionInstitutions_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Overdrachtssom overgedragen pensioenverplichtingen premiepensioeninstellingen</label:label>
    <label:label id="kvk-lr-p-p-i_NotesSumOfTransferTakenPensionObligationsPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesSumOfTransferTakenPensionObligationsPremiumPensionInstitutions_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Overdrachtssom overgenomen pensioenverplichtingen premiepensioeninstellingen</label:label>
    <label:label id="kvk-lr-p-p-i_NotesOtherAssetsPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesOtherAssetsPremiumPensionInstitutions_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Overige activa premiepensioeninstellingen</label:label>
    <label:label id="kvk-lr-p-p-i_NotesAssetsOtherAssetsOtherSpecificationPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesAssetsOtherAssetsOtherSpecificationPremiumPensionInstitutions_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Overige activa: Overige activa: Specificatie</label:label>
    <label:label id="kvk-lr-p-p-i_NotesIncomeOtherPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesIncomeOtherPremiumPensionInstitutions_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-p-i_NotesOtherReimbursementsPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesOtherReimbursementsPremiumPensionInstitutions_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Overige kostenvergoedingen premiepensioeninstellingen</label:label>
    <label:label id="kvk-lr-p-p-i_NotesExpensesOtherPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesExpensesOtherPremiumPensionInstitutions_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-p-i_NotesOtherLiabilitiesAndAccruedLiabilitiesBreakdownPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesOtherLiabilitiesAndAccruedLiabilitiesBreakdownPremiumPensionInstitutions_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Overige schulden en overlopende passiva premiepensioeninstellingen: Uitsplitsing</label:label>
    <label:label id="kvk-lr-p-p-i_NotesOtherLiabilitiesAndAccruedLiabilitiesPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesOtherLiabilitiesAndAccruedLiabilitiesPremiumPensionInstitutions_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Overige schulden en overlopende passiva premiepensioeninstellingen</label:label>
    <label:label id="kvk-lr-p-p-i_NotesOtherLiabilitiesAndAccruedLiabilitiesSpecificationPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesOtherLiabilitiesAndAccruedLiabilitiesSpecificationPremiumPensionInstitutions_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Overige schulden en overlopende passiva: Overige schulden: Specificatie</label:label>
    <label:label id="kvk-lr-p-p-i_NotesPensionAdminstrationExpensesPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesPensionAdminstrationExpensesPremiumPensionInstitutions_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-p-i_NotesPremiumContributionsPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesPremiumContributionsPremiumPensionInstitutions_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-p-i_NotesObligationsOnBehalfOfParticipantsMovementPreviousPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesObligationsOnBehalfOfParticipantsMovementPreviousPremiumPensionInstitutions_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Verplichtingen voor risico deelnemers, voorgaande periode: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-p-p-i_NotesObligationsOnBehalfOfParticipantsMovementPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesObligationsOnBehalfOfParticipantsMovementPremiumPensionInstitutions_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Verplichtingen voor risico deelnemers: Verloopoverzicht</label:label>
    <label:label id="kvk-lr-p-p-i_NotesObligationsOnBehalfOfParticipantsPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesObligationsOnBehalfOfParticipantsPremiumPensionInstitutions_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Verplichtingen voor risico deelnemers</label:label>
    <label:label id="kvk-lr-p-p-i_NotesReceivablesAndPrepaymentsReceivablesOtherSpecificationPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesReceivablesAndPrepaymentsReceivablesOtherSpecificationPremiumPensionInstitutions_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: Kortlopende overige vorderingen: Specificatie</label:label>
    <label:label id="kvk-lr-p-p-i_NotesReceivablesAndPrepaymentsBreakdownPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesReceivablesAndPrepaymentsBreakdownPremiumPensionInstitutions_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-p-i_NotesReceivablesAndPrepaymentsPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesReceivablesAndPrepaymentsPremiumPensionInstitutions_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-p-i_NotesReceivablesBreakdownMaturityPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesReceivablesBreakdownMaturityPremiumPensionInstitutions_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichting op de jaarrekening - Vorderingen: Uitsplitsing looptijd</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedInvestmentResultsOnBehalfOfPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesConsolidatedInvestmentResultsOnBehalfOfPremiumPensionInstitutions_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichtingen op de geconsolideerde jaarrekening - Beleggingsresultaten voor premiepensioeninstellingen</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedInvestmentResultsOnBehalfOfParticipantsPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesConsolidatedInvestmentResultsOnBehalfOfParticipantsPremiumPensionInstitutions_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichtingen op de geconsolideerde jaarrekening - Beleggingsresultaten</label:label>
    <label:label id="kvk-lr-p-p-i_NotesInvestmentResultsOnBehalfOfPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesInvestmentResultsOnBehalfOfPremiumPensionInstitutions_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichtingen op de jaarrekening - Beleggingsresultaten voor premiepensioeninstellingen</label:label>
    <label:label id="kvk-lr-p-p-i_NotesInvestmentResultsOnBehalfOfParticipantsPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_NotesInvestmentResultsOnBehalfOfParticipantsPremiumPensionInstitutions_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Toelichtingen op de jaarrekening - Beleggingsresultaten</label:label>
    <label:label id="kvk-lr-p-p-i_IncomeStatementPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_IncomeStatementPremiumPensionInstitutions_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Winst-en-verliesrekening PPI</label:label>
    <label:label id="kvk-lr-p-p-i_IncomeStatementParticipantsPremiumPensionInstitutions_label_nl" xlink:label="kvk-lr-p-p-i_IncomeStatementParticipantsPremiumPensionInstitutions_label_nl" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Winst-en-verliesrekening voor risico deelnemers</label:label>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_BalanceSheetPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_BalanceSheetPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_ClassesOfInvestmentsParticipantsPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_ClassesOfInvestmentsParticipantsPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_ClassesOfInvestmentsPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_ClassesOfInvestmentsPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_ClassesOfObligationsOnBehalfOfParticipantsPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_ClassesOfObligationsOnBehalfOfParticipantsPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_ConsolidatedBalanceSheetPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_ConsolidatedBalanceSheetPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_ConsolidatedIncomeStatementParticipantsPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_ConsolidatedIncomeStatementParticipantsPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_ConsolidatedIncomeStatementPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_ConsolidatedIncomeStatementPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_IncomeStatementParticipantsPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_IncomeStatementParticipantsPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_IncomeStatementPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_IncomeStatementPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_NotesAccountingPrinciplesAssetsLiabilitiesPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_NotesAccountingPrinciplesAssetsLiabilitiesPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_NotesAccountingPrinciplesResultPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_NotesAccountingPrinciplesResultPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_NotesAssetsOtherAssetsOtherSpecificationPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_NotesAssetsOtherAssetsOtherSpecificationPremiumPensionInstitutions_loc" xlink:type="locator"/>
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