<?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:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink">
  <link:roleRef roleURI="urn:kvk:linkrole:notes-consolidated-intangible-assets-breakdown-insurance" xlink:href="../dictionary/kvk-linkroles-insurance.xsd#kvk-lr-in_NotesConsolidatedIntangibleAssetsBreakdownInsurance" xlink:type="simple"/>
  <link:presentationLink xlink:role="urn:kvk:linkrole:notes-consolidated-intangible-assets-breakdown-insurance" xlink:type="extended">
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_CostsIncorporationShareIssue" xlink:label="jenv-bw2-i_CostsIncorporationShareIssue_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_DevelopmentCosts" xlink:label="jenv-bw2-i_DevelopmentCosts_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_Goodwill" xlink:label="jenv-bw2-i_Goodwill_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_IntangibleAssets" xlink:label="jenv-bw2-i_IntangibleAssets_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_PatentsTrademarksOtherRights" xlink:label="jenv-bw2-i_PatentsTrademarksOtherRights_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../jenv/20261209.a/dictionary/jenv-bw2-data.xsd#jenv-bw2-i_PrepaymentsIntangibleAssets" xlink:label="jenv-bw2-i_PrepaymentsIntangibleAssets_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_IntangibleAssetsBreakdownTitle" xlink:label="kvk-abstr_IntangibleAssetsBreakdownTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../rj/20261209.a/dictionary/rj-data.xsd#rj-i_FutureProfitMarginsAcquiredPortfolio" xlink:label="rj-i_FutureProfitMarginsAcquiredPortfolio_loc" xlink:type="locator"/>
    <link:loc xlink:href="../../../rj/20261209.a/dictionary/rj-data.xsd#rj-i_IntangibleAssetsOther" xlink:label="rj-i_IntangibleAssetsOther_loc" xlink:type="locator"/>
    <link:presentationArc order="1" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="jenv-bw2-i_IntangibleAssets_loc" xlink:to="jenv-bw2-i_CostsIncorporationShareIssue_loc" xlink:type="arc"/>
    <link:presentationArc order="2" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="jenv-bw2-i_IntangibleAssets_loc" xlink:to="jenv-bw2-i_DevelopmentCosts_loc" xlink:type="arc"/>
    <link:presentationArc order="3" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="jenv-bw2-i_IntangibleAssets_loc" xlink:to="jenv-bw2-i_PatentsTrademarksOtherRights_loc" xlink:type="arc"/>
    <link:presentationArc order="4" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="jenv-bw2-i_IntangibleAssets_loc" xlink:to="jenv-bw2-i_Goodwill_loc" xlink:type="arc"/>
    <link:presentationArc order="5" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="jenv-bw2-i_IntangibleAssets_loc" xlink:to="jenv-bw2-i_PrepaymentsIntangibleAssets_loc" xlink:type="arc"/>
    <link:presentationArc order="6" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="jenv-bw2-i_IntangibleAssets_loc" xlink:to="rj-i_FutureProfitMarginsAcquiredPortfolio_loc" xlink:type="arc"/>
    <link:presentationArc order="7" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="jenv-bw2-i_IntangibleAssets_loc" xlink:to="rj-i_IntangibleAssetsOther_loc" xlink:type="arc"/>
    <link:presentationArc order="1" preferredLabel="http://www.xbrl.org/2003/role/totalLabel" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="kvk-abstr_IntangibleAssetsBreakdownTitle_loc" xlink:to="jenv-bw2-i_IntangibleAssets_loc" xlink:type="arc"/>
  </link:presentationLink>
</link:linkbase>
