<?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: NT13
  Version: 20181212
  Release date: Tue Nov 6 09:00:00 2018
-->
<xs:schema xmlns:kvk-codes="http://www.nltaxonomie.nl/nt13/kvk/20181212/dictionary/kvk-codes" xmlns:kvk-i="http://www.nltaxonomie.nl/nt13/kvk/20181212/dictionary/kvk-data" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:nl-codes="http://www.nltaxonomie.nl/nt13/sbr/20180301/dictionary/nl-codes" xmlns:nl-types="http://www.nltaxonomie.nl/nt13/sbr/20180301/dictionary/nl-types" xmlns:num="http://www.xbrl.org/dtr/type/numeric" xmlns:sbi="http://www.nltaxonomie.nl/nt13/sbr/20180301/dictionary/sbi-businesscodes-2018" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xs="http://www.w3.org/2001/XMLSchema" attributeFormDefault="unqualified" elementFormDefault="qualified" targetNamespace="http://www.nltaxonomie.nl/nt13/kvk/20181212/dictionary/kvk-data">
  <xs:annotation>
    <xs:appinfo>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="kvk-data-documentation-lab-en.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="kvk-data-documentation-lab-nl.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="kvk-data-lab-de.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="kvk-data-lab-en.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="kvk-data-lab-fr.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="kvk-data-lab-nl.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="kvk-data-terse-lab-de.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="kvk-data-terse-lab-en.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="kvk-data-terse-lab-fr.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="kvk-data-terse-lab-nl.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="kvk-data-verbose-lab-de.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="kvk-data-verbose-lab-en.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="kvk-data-verbose-lab-fr.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="kvk-data-verbose-lab-nl.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="kvk-data-ref.xml" xlink:role="http://www.xbrl.org/2003/role/referenceLinkbaseRef" xlink:type="simple"/>
    </xs:appinfo>
  </xs:annotation>
  <xs:import namespace="http://www.nltaxonomie.nl/nt13/kvk/20181212/dictionary/kvk-codes" schemaLocation="kvk-codes.xsd"/>
  <xs:import namespace="http://www.nltaxonomie.nl/nt13/sbr/20180301/dictionary/nl-codes" schemaLocation="../../../sbr/20180301/dictionary/nl-codes.xsd"/>
  <xs:import namespace="http://www.nltaxonomie.nl/nt13/sbr/20180301/dictionary/nl-types" schemaLocation="../../../sbr/20180301/dictionary/nl-types.xsd"/>
  <xs:import namespace="http://www.nltaxonomie.nl/nt13/sbr/20180301/dictionary/sbi-businesscodes-2018" schemaLocation="../../../sbr/20180301/dictionary/sbi-businesscodes-2018.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/dtr/type/numeric" schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd"/>
  <xs:element abstract="false" id="kvk-i_AdjustmentsReconcileOperatingResultOther" name="AdjustmentsReconcileOperatingResultOther" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimalsItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_BusinessNames" name="BusinessNames" nillable="false" substitutionGroup="xbrli:item" type="nl-types:string1000ItemType" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_CashFlowStatementMethodType" name="CashFlowStatementMethodType" nillable="false" substitutionGroup="xbrli:item" type="kvk-codes:cashFlowStatementMethodItemType" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_CashFlowsFinancingActivitiesOther" name="CashFlowsFinancingActivitiesOther" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimalsItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_CashFlowsInvestingActivitiesOther" name="CashFlowsInvestingActivitiesOther" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimalsItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_CashFlowsInvestmentActivitiesOther" name="CashFlowsInvestmentActivitiesOther" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimalsItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_CashFlowsOperatingActivitiesOther" name="CashFlowsOperatingActivitiesOther" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimalsItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_DividendsPaidOtherClassifiedAsFinancingActivities" name="DividendsPaidOtherClassifiedAsFinancingActivities" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimalsItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_DividendsPaidOtherClassifiedAsOperatingActivities" name="DividendsPaidOtherClassifiedAsOperatingActivities" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimalsItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_DocumentResubmissionDueToUnsurmountableInaccuracies" name="DocumentResubmissionDueToUnsurmountableInaccuracies" nillable="false" substitutionGroup="xbrli:item" type="nl-codes:yesNoItemType" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_EmailAddressContact" name="EmailAddressContact" nillable="false" substitutionGroup="xbrli:item" type="nl-types:emailItemType" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_EquityContributionsShareholders" name="EquityContributionsShareholders" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimalsItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_EquityDirectlyBusinessAcquisitions" name="EquityDirectlyBusinessAcquisitions" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimalsItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_EquityDirectlyBusinessDivestitures" name="EquityDirectlyBusinessDivestitures" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimalsItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_EquityDirectlyChangeAccountingPolicies" name="EquityDirectlyChangeAccountingPolicies" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimalsItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element abstract="false" id="kvk-i_EquityDirectlyExchangeDifferences" name="EquityDirectlyExchangeDifferences" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimalsItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_EquityDirectlyGoodwill" name="EquityDirectlyGoodwill" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimalsItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_EquityDirectlyImpairment" name="EquityDirectlyImpairment" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimalsItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_EquityDirectlyImpairmentReversal" name="EquityDirectlyImpairmentReversal" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimalsItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_EquityDirectlyMaterialErrors" name="EquityDirectlyMaterialErrors" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimalsItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_EquityDividendDistribution" name="EquityDividendDistribution" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimalsItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_EquityLossReduction" name="EquityLossReduction" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimalsItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_EquityMovementOther" name="EquityMovementOther" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimalsItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_EquityResultAllocation" name="EquityResultAllocation" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimalsItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_EquityRevaluations" name="EquityRevaluations" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimalsItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_EquityShareBasedArrangementsExercised" name="EquityShareBasedArrangementsExercised" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimalsItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_EquityShareBasedArrangementsGranted" name="EquityShareBasedArrangementsGranted" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimalsItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_EquityShareIssue" name="EquityShareIssue" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimalsItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_EquitySharesWithdrawal" name="EquitySharesWithdrawal" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimalsItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_EquityTransfers" name="EquityTransfers" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimalsItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_EquityTreasurySharesPurchase" name="EquityTreasurySharesPurchase" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimalsItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_EquityTreasurySharesSale" name="EquityTreasurySharesSale" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimalsItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_IncomeStatementClassificationType" name="IncomeStatementClassificationType" nillable="false" substitutionGroup="xbrli:item" type="kvk-codes:incomeStatementClassificationItemType" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_IncomeTaxExpenseReconciliationToCorporateTaxReturnDisclosure" name="IncomeTaxExpenseReconciliationToCorporateTaxReturnDisclosure" nillable="false" substitutionGroup="xbrli:item" type="nl-types:formattedExplanationItemType" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_IncreaseDecreaseInConstructionContracts" name="IncreaseDecreaseInConstructionContracts" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimalsItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_IncreaseDecreaseInOtherPayables" name="IncreaseDecreaseInOtherPayables" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimalsItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_IncreaseDecreaseInSecurities" name="IncreaseDecreaseInSecurities" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimalsItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_IncreaseDecreasePayablesCreditInstitutions" name="IncreaseDecreasePayablesCreditInstitutions" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimalsItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_IntangibleAssetsLimitedOwnershipDescription" name="IntangibleAssetsLimitedOwnershipDescription" nillable="false" substitutionGroup="xbrli:item" type="nl-types:formattedExplanationItemType" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_IntangibleAssetsPutUpAsCollateralForDebtsDescription" name="IntangibleAssetsPutUpAsCollateralForDebtsDescription" nillable="false" substitutionGroup="xbrli:item" type="nl-types:formattedExplanationItemType" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_InvestmentPropertiesInDevelopment" name="InvestmentPropertiesInDevelopment" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimalsItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element abstract="false" id="kvk-i_InvestmentPropertiesInExploitation" name="InvestmentPropertiesInExploitation" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimalsItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element abstract="false" id="kvk-i_InvestmentsAcquisitionsOther" name="InvestmentsAcquisitionsOther" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimalsItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_InvestmentsMovementOtherOther" name="InvestmentsMovementOtherOther" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimalsItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_InvestmentsPriceDifferencesOther" name="InvestmentsPriceDifferencesOther" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimalsItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_InvestmentsRevaluationsOther" name="InvestmentsRevaluationsOther" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimalsItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_InvestmentsSalesOther" name="InvestmentsSalesOther" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimalsItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_LegalEntityDateLastFinancialStatements" name="LegalEntityDateLastFinancialStatements" nillable="false" substitutionGroup="xbrli:item" type="xbrli:dateItemType" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_LegalEntityInterestInVotingRights" name="LegalEntityInterestInVotingRights" nillable="false" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant"/>
  <xs:element abstract="false" id="kvk-i_LegalSizeCriteriaClassification" name="LegalSizeCriteriaClassification" nillable="false" substitutionGroup="xbrli:item" type="kvk-codes:legalSizeCriteriaItemType" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_ManagementExpensesOther" name="ManagementExpensesOther" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimalsItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_OtherIncomeExpensesAfterTax" name="OtherIncomeExpensesAfterTax" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimalsItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_PaymentsSuppliers" name="PaymentsSuppliers" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimalsItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_ProceedsSalesInvestmentProperties" name="ProceedsSalesInvestmentProperties" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimalsItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_PurchaseInvestmentProperties" name="PurchaseInvestmentProperties" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimalsItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_SbiBusinessCode" name="SbiBusinessCode" nillable="false" substitutionGroup="xbrli:item" type="sbi:sbiItemType" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_ShareInResults" name="ShareInResults" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimalsItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="kvk-i_SubordinatedLiabilitiesCurrent" name="SubordinatedLiabilitiesCurrent" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimalsItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element abstract="false" id="kvk-i_SubordinatedLiabilitiesNoncurrent" name="SubordinatedLiabilitiesNoncurrent" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimalsItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element abstract="false" id="kvk-i_TitleOfTheDocument" name="TitleOfTheDocument" nillable="false" substitutionGroup="xbrli:item" type="nl-types:string1000ItemType" xbrli:periodType="duration"/>
</xs:schema>
