<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<!--
  This file is part of the Dutch Taxonomy (Nederlandse Taxonomie; NT)
  Intellectual Property of the State of the Netherlands
  Architecture: NT21
  Version: 20261209.a
  Release date: April, 2026
-->
<link:linkbase xmlns:gen="http://xbrl.org/2008/generic" xmlns:label="http://xbrl.org/2008/label" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://xbrl.org/2008/generic http://www.xbrl.org/2008/generic-link.xsd http://xbrl.org/2008/label http://www.xbrl.org/2008/generic-label.xsd">
  <link:roleRef roleURI="http://www.xbrl.org/2008/role/label" xlink:href="http://www.xbrl.org/2008/generic-label.xsd#standard-label" xlink:type="simple"/>
  <link:roleRef roleURI="urn:kvk:linkrole:notes-provisions-movement-insurance" xlink:href="../dictionary/kvk-linkroles-insurance.xsd#kvk-lr-in_NotesProvisionsMovementInsurance" xlink:type="simple"/>
  <link:arcroleRef arcroleURI="http://xbrl.org/arcrole/2008/element-label" xlink:href="http://www.xbrl.org/2008/generic-label.xsd#element-label" xlink:type="simple"/>
  <gen:link xlink:role="urn:kvk:linkrole:notes-provisions-movement-insurance" xlink:type="extended">
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_NotesProvisionsMovementInsurance_PrtFST1FactExplicitEQFactNonExplicit1_loc" xlink:to="NotesProvisionsMovementInsurance_PrtFST1FactExplicitEQFactNonExplicit1_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_NotesProvisionsMovementInsurance_PrtFST1FactExplicitEQFactNonExplicit2_loc" xlink:to="NotesProvisionsMovementInsurance_PrtFST1FactExplicitEQFactNonExplicit2_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_NotesProvisionsMovementInsurance_PrtFST1FactExplicitEQFactNonExplicit3_loc" xlink:to="NotesProvisionsMovementInsurance_PrtFST1FactExplicitEQFactNonExplicit3_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_NotesProvisionsMovementInsurance_PrtFST1FactExplicitEQFactNonExplicit4_loc" xlink:to="NotesProvisionsMovementInsurance_PrtFST1FactExplicitEQFactNonExplicit4_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_NotesProvisionsMovementInsurance_PrtFST1FactExplicitEQFactNonExplicit5_loc" xlink:to="NotesProvisionsMovementInsurance_PrtFST1FactExplicitEQFactNonExplicit5_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_NotesProvisionsMovementInsurance_PrtFST1PeriodStartMutationPeriodEnd1_loc" xlink:to="NotesProvisionsMovementInsurance_PrtFST1PeriodStartMutationPeriodEnd1_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_NotesProvisionsMovementInsurance_PrtFST1SumOfChildrenParentCredit1E1_loc" xlink:to="NotesProvisionsMovementInsurance_PrtFST1SumOfChildrenParentCredit1E1_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_NotesProvisionsMovementInsurance_PrtFST1SumOfMembersOnAbstract1_loc" xlink:to="NotesProvisionsMovementInsurance_PrtFST1SumOfMembersOnAbstract1_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_NotesProvisionsMovementInsurance_PrtFST1SumOfMembersOnAbstract2_loc" xlink:to="NotesProvisionsMovementInsurance_PrtFST1SumOfMembersOnAbstract2_label_EN" xlink:type="arc"/>
    <label:label id="NotesProvisionsMovementInsurance_PrtFST1PeriodStartMutationPeriodEnd1_label_EN" xlink:label="NotesProvisionsMovementInsurance_PrtFST1PeriodStartMutationPeriodEnd1_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Reported value of `Provisions` at end of period SHOULD be equal to sum of reported value of `Provisions` at beginning of period and changes in that value during period, `ProvisionsMovement`.</label:label>
    <label:label id="NotesProvisionsMovementInsurance_PrtFST1SumOfMembersOnAbstract1_label_EN" xlink:label="NotesProvisionsMovementInsurance_PrtFST1SumOfMembersOnAbstract1_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`ProvisionsMember` SHOULD be equal to the summation of the underlying children members.</label:label>
    <label:label id="NotesProvisionsMovementInsurance_PrtFST1SumOfMembersOnAbstract2_label_EN" xlink:label="NotesProvisionsMovementInsurance_PrtFST1SumOfMembersOnAbstract2_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`ProvisionsMember` SHOULD be equal to the summation of the underlying children members.</label:label>
    <label:label id="NotesProvisionsMovementInsurance_PrtFST1SumOfChildrenParentCredit1E1_label_EN" xlink:label="NotesProvisionsMovementInsurance_PrtFST1SumOfChildrenParentCredit1E1_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`ProvisionsMovement` SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="NotesProvisionsMovementInsurance_PrtFST1FactExplicitEQFactNonExplicit5_label_EN" xlink:label="NotesProvisionsMovementInsurance_PrtFST1FactExplicitEQFactNonExplicit5_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`Provisions` reported with `ClassesOfProvisionsOtherAxis` and `ProvisionEmployeeBenefitsMember` SHOULD be equal to `ProvisionEmployeeBenefits` without `ClassesOfProvisionsOtherAxis` and `ProvisionEmployeeBenefitsMember`.</label:label>
    <label:label id="NotesProvisionsMovementInsurance_PrtFST1FactExplicitEQFactNonExplicit2_label_EN" xlink:label="NotesProvisionsMovementInsurance_PrtFST1FactExplicitEQFactNonExplicit2_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`Provisions` reported with `ClassesOfProvisionsOtherAxis` and `ProvisionPensionObligationsMember` SHOULD be equal to `ProvisionPensionObligations` without `ClassesOfProvisionsOtherAxis` and `ProvisionPensionObligationsMember`.</label:label>
    <label:label id="NotesProvisionsMovementInsurance_PrtFST1FactExplicitEQFactNonExplicit3_label_EN" xlink:label="NotesProvisionsMovementInsurance_PrtFST1FactExplicitEQFactNonExplicit3_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`Provisions` reported with `ClassesOfProvisionsOtherAxis` and `ProvisionTaxLiabilitiesMember` SHOULD be equal to `ProvisionTaxLiabilities` without `ClassesOfProvisionsOtherAxis` and `ProvisionTaxLiabilitiesMember`.</label:label>
    <label:label id="NotesProvisionsMovementInsurance_PrtFST1FactExplicitEQFactNonExplicit1_label_EN" xlink:label="NotesProvisionsMovementInsurance_PrtFST1FactExplicitEQFactNonExplicit1_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`Provisions` reported with `ClassesOfProvisionsOtherAxis` and `ProvisionsMember` SHOULD be equal to `Provisions` without `ClassesOfProvisionsOtherAxis` and `ProvisionsMember`.</label:label>
    <label:label id="NotesProvisionsMovementInsurance_PrtFST1FactExplicitEQFactNonExplicit4_label_EN" xlink:label="NotesProvisionsMovementInsurance_PrtFST1FactExplicitEQFactNonExplicit4_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`Provisions` reported with `ClassesOfProvisionsOtherAxis` and `ProvisionsOtherMember` SHOULD be equal to `ProvisionsOther` without `ClassesOfProvisionsOtherAxis` and `ProvisionsOtherMember`.</label:label>
    <link:loc xlink:href="kvk-notes-provisions-movement-insurance-for.xml#valueAssertion_NotesProvisionsMovementInsurance_PrtFST1FactExplicitEQFactNonExplicit1" xlink:label="valueAssertion_NotesProvisionsMovementInsurance_PrtFST1FactExplicitEQFactNonExplicit1_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-notes-provisions-movement-insurance-for.xml#valueAssertion_NotesProvisionsMovementInsurance_PrtFST1FactExplicitEQFactNonExplicit2" xlink:label="valueAssertion_NotesProvisionsMovementInsurance_PrtFST1FactExplicitEQFactNonExplicit2_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-notes-provisions-movement-insurance-for.xml#valueAssertion_NotesProvisionsMovementInsurance_PrtFST1FactExplicitEQFactNonExplicit3" xlink:label="valueAssertion_NotesProvisionsMovementInsurance_PrtFST1FactExplicitEQFactNonExplicit3_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-notes-provisions-movement-insurance-for.xml#valueAssertion_NotesProvisionsMovementInsurance_PrtFST1FactExplicitEQFactNonExplicit4" xlink:label="valueAssertion_NotesProvisionsMovementInsurance_PrtFST1FactExplicitEQFactNonExplicit4_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-notes-provisions-movement-insurance-for.xml#valueAssertion_NotesProvisionsMovementInsurance_PrtFST1FactExplicitEQFactNonExplicit5" xlink:label="valueAssertion_NotesProvisionsMovementInsurance_PrtFST1FactExplicitEQFactNonExplicit5_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-notes-provisions-movement-insurance-for.xml#valueAssertion_NotesProvisionsMovementInsurance_PrtFST1PeriodStartMutationPeriodEnd1" xlink:label="valueAssertion_NotesProvisionsMovementInsurance_PrtFST1PeriodStartMutationPeriodEnd1_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-notes-provisions-movement-insurance-for.xml#valueAssertion_NotesProvisionsMovementInsurance_PrtFST1SumOfChildrenParentCredit1E1" xlink:label="valueAssertion_NotesProvisionsMovementInsurance_PrtFST1SumOfChildrenParentCredit1E1_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-notes-provisions-movement-insurance-for.xml#valueAssertion_NotesProvisionsMovementInsurance_PrtFST1SumOfMembersOnAbstract1" xlink:label="valueAssertion_NotesProvisionsMovementInsurance_PrtFST1SumOfMembersOnAbstract1_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-notes-provisions-movement-insurance-for.xml#valueAssertion_NotesProvisionsMovementInsurance_PrtFST1SumOfMembersOnAbstract2" xlink:label="valueAssertion_NotesProvisionsMovementInsurance_PrtFST1SumOfMembersOnAbstract2_loc" xlink:type="locator"/>
  </gen:link>
</link:linkbase>
