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<!--
  This file is part of the Dutch Taxonomy (Nederlandse Taxonomie; NT)
  Intellectual Property of the State of the Netherlands
  Architecture: NT13
  Version: 20181212.a
  Release date: Tue Jun 19 09:00:00 2018
-->
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    <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_en" 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_en" 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_en" xlink:type="arc"/>
    <label:label id="kvk-lr-p-p-i_BalanceSheetPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_BalanceSheetPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Balance sheet</label:label>
    <label:label id="kvk-lr-p-p-i_ClassesOfInvestmentsParticipants_label_en" xlink:label="kvk-lr-p-p-i_ClassesOfInvestmentsParticipants_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Classes of investments</label:label>
    <label:label id="kvk-lr-p-p-i_ClassesOfInvestmentsPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_ClassesOfInvestmentsPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Classes of investments</label:label>
    <label:label id="kvk-lr-p-p-i_ClassesOfObligationsOnBehalfOfParticipants_label_en" xlink:label="kvk-lr-p-p-i_ClassesOfObligationsOnBehalfOfParticipants_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Classes of obligations on behalf of risk participants</label:label>
    <label:label id="kvk-lr-p-p-i_ConsolidatedBalanceSheetPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_ConsolidatedBalanceSheetPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Consolidated balance sheet</label:label>
    <label:label id="kvk-lr-p-p-i_ConsolidatedIncomeStatementPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_ConsolidatedIncomeStatementPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Consolidated income and expenses statement PPI</label:label>
    <label:label id="kvk-lr-p-p-i_ConsolidatedIncomeStatementParticipantsPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_ConsolidatedIncomeStatementParticipantsPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Consolidated income statement participants</label:label>
    <label:label id="kvk-lr-p-p-i_IncomeStatementPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_IncomeStatementPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Income and expenses statement PPI</label:label>
    <label:label id="kvk-lr-p-p-i_IncomeStatementParticipantsPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_IncomeStatementParticipantsPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Income statement participants</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedObligationsOnBehalfOfParticipantsMovementPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_NotesConsolidatedObligationsOnBehalfOfParticipantsMovementPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statement - Obligations on behalf of risk participants: Movement schedule</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedObligationsOnBehalfOfParticipants_label_en" xlink:label="kvk-lr-p-p-i_NotesConsolidatedObligationsOnBehalfOfParticipants_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statement - Obligations on behalf of risk participants</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedAccountingPrinciplesAssetsLiabilitiesPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_NotesConsolidatedAccountingPrinciplesAssetsLiabilitiesPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Accounting principles applied to the valuation of assets and liabilities</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedAccountingPrinciplesResultPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_NotesConsolidatedAccountingPrinciplesResultPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Accounting principles for the determination of the result</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedChangeProvisionPensionObligationsOnBehalfOfParticipantsPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_NotesConsolidatedChangeProvisionPensionObligationsOnBehalfOfParticipantsPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Change provision pension obligations on behalf of participants</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedDeductedManagementFeesAndOtherFeesPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_NotesConsolidatedDeductedManagementFeesAndOtherFeesPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Deducted management fees and other fees premium pension institutions</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedEquityPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_NotesConsolidatedEquityPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Equity</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedExpirationCapitalPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_NotesConsolidatedExpirationCapitalPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Expiration capital premium pension institutions</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedInvestmentResultsCategoriesBreakdownPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_NotesConsolidatedInvestmentResultsCategoriesBreakdownPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Investment results categories: Breakdown</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedInvestmentResultsOnBehalfOfPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_NotesConsolidatedInvestmentResultsOnBehalfOfPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Investment results on behalf of premium pension institutions</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedInvestmentResultsOnBehalfOfParticipantsBreakdownPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_NotesConsolidatedInvestmentResultsOnBehalfOfParticipantsBreakdownPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Investment results: Breakdown</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedInvestmentResultsOnBehalfOfParticipantsPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_NotesConsolidatedInvestmentResultsOnBehalfOfParticipantsPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Investment results</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfParticipantsBreakdownPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfParticipantsBreakdownPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Investments on behalf of participants: Breakdown</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfParticipantsMovementPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfParticipantsMovementPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Investments on behalf of participants: Movement</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfParticipantsPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfParticipantsPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Investments on behalf of participants</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfPremiumPensionInstitutionsBreakdown_label_en" xlink:label="kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfPremiumPensionInstitutionsBreakdown_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Investments on behalf of premium pension institutions: Breakdown</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfPremiumPensionInstitutionsMovement_label_en" xlink:label="kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfPremiumPensionInstitutionsMovement_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Investments on behalf of premium pension institutions: Movement</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Investments on behalf of premium pension institutions</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedOtherAssetsPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_NotesConsolidatedOtherAssetsPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Other assets premium pension institutions</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedExpensesOtherPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_NotesConsolidatedExpensesOtherPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Other expenses</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedIncomeOtherPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_NotesConsolidatedIncomeOtherPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Other income</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedOtherLiabilitiesAndAccruedLiabilitiesBreakdownPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_NotesConsolidatedOtherLiabilitiesAndAccruedLiabilitiesBreakdownPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Other liabilities and accrued liabilities premium pension institutions: Breakdown</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedOtherLiabilitiesAndAccruedLiabilitiesPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_NotesConsolidatedOtherLiabilitiesAndAccruedLiabilitiesPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Other liabilities and accrued liabilities premium pension institutions</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedReceivablesAndPrepaymentsPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_NotesConsolidatedReceivablesAndPrepaymentsPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Other receivables</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedOtherReimbursementsPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_NotesConsolidatedOtherReimbursementsPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Other reimbursements premium pension institutions</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedPensionAdministrationExpensesPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_NotesConsolidatedPensionAdministrationExpensesPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Pension administration expenses</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedPremiumContributionsPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_NotesConsolidatedPremiumContributionsPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Premium contributions</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedReceivablesAndPrepaymentsBreakdownPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_NotesConsolidatedReceivablesAndPrepaymentsBreakdownPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Receivables and prepayments: Breakdown</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedReceivablesBreakdownMaturityPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_NotesConsolidatedReceivablesBreakdownMaturityPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Receivables: Breakdown maturity</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedReimbursementActivitiesInvestmentsPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_NotesConsolidatedReimbursementActivitiesInvestmentsPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Reimbursement activities investments premium pension institutions</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedSumOfTransferTakenPensionObligationsPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_NotesConsolidatedSumOfTransferTakenPensionObligationsPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Sum of transfer taken pension obligations premium pension institutions</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedSumOfTransferTransferredPensionObligationsPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_NotesConsolidatedSumOfTransferTransferredPensionObligationsPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Sum of transfer transferred pension obligations premium pension institutions</label:label>
    <label:label id="kvk-lr-p-p-i_NotesObligationsOnBehalfOfParticipantsMovementPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_NotesObligationsOnBehalfOfParticipantsMovementPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statement - Obligations on behalf of risk participants: Movement schedule</label:label>
    <label:label id="kvk-lr-p-p-i_NotesObligationsOnBehalfOfParticipants_label_en" xlink:label="kvk-lr-p-p-i_NotesObligationsOnBehalfOfParticipants_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statement - Obligations on behalf of risk participants</label:label>
    <label:label id="kvk-lr-p-p-i_NotesAccountingPrinciplesResultPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_NotesAccountingPrinciplesResultPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Accounting principles for the determination of the result</label:label>
    <label:label id="kvk-lr-p-p-i_NotesChangeProvisionPensionObligationsOnBehalfOfParticipantsPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_NotesChangeProvisionPensionObligationsOnBehalfOfParticipantsPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Change provision pension obligations on behalf of participants</label:label>
    <label:label id="kvk-lr-p-p-i_NotesDeductedManagementFeesAndOtherFeesPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_NotesDeductedManagementFeesAndOtherFeesPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Deducted management fees and other fees premium pension institutions</label:label>
    <label:label id="kvk-lr-p-p-i_NotesEquityPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_NotesEquityPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Equity</label:label>
    <label:label id="kvk-lr-p-p-i_NotesExpirationCapitalPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_NotesExpirationCapitalPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Expiration capital premium pension institutions</label:label>
    <label:label id="kvk-lr-p-p-i_NotesInvestmentResultsCategoriesBreakdownPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_NotesInvestmentResultsCategoriesBreakdownPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Investment results categories: Breakdown</label:label>
    <label:label id="kvk-lr-p-p-i_NotesInvestmentResultsOnBehalfOfPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_NotesInvestmentResultsOnBehalfOfPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Investment results on behalf of premium pension institutions</label:label>
    <label:label id="kvk-lr-p-p-i_NotesInvestmentResultsBreakdownPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_NotesInvestmentResultsBreakdownPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Investment results: Breakdown</label:label>
    <label:label id="kvk-lr-p-p-i_NotesInvestmentResultsOnBehalfOfParticipantsPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_NotesInvestmentResultsOnBehalfOfParticipantsPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Investment results</label:label>
    <label:label id="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfParticipantsBreakdownPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfParticipantsBreakdownPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Investments on behalf of participants: Breakdown</label:label>
    <label:label id="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfParticipantsMovementPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfParticipantsMovementPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Investments on behalf of participants: Movement</label:label>
    <label:label id="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfParticipantsPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfParticipantsPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Investments on behalf of participants</label:label>
    <label:label id="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfPremiumPensionInstitutionsBreakdown_label_en" xlink:label="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfPremiumPensionInstitutionsBreakdown_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Investments on behalf of premium pension institutions: Breakdown</label:label>
    <label:label id="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfPremiumPensionInstitutionsMovement_label_en" xlink:label="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfPremiumPensionInstitutionsMovement_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Investments on behalf of premium pension institutions: Movement</label:label>
    <label:label id="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Investments on behalf of premium pension institutions</label:label>
    <label:label id="kvk-lr-p-p-i_NotesOtherAssetsPremiumPensionInstitutions_label_en" xlink:label="kvk-lr-p-p-i_NotesOtherAssetsPremiumPensionInstitutions_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Other assets premium pension institutions</label:label>
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